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Hi Everyone, this is my first post so please bare with me.
I'm posting on behalf of my mother who has just had her car repossessed by Sherforce on behalf of Corporate and Legal who were attempting to claim the debt which she owed to her local credit union.
The debt was £3700 and my mother had spoken with a bailiff who said they would return at a later date. After this initial conversation, she spoke to the head of the credit union who accepted a monthly repayment option and said not to worry about the bailiffs as he would handle it. This was roughly two weeks ago.
Today, bailiffs arrived at the house demanding my mothers car (purchased around 18 months ago at £5000) for this debt. My mother spoke to the head of the union who insisted that this was not on his behalf and said that the debt collection company C+L had sent an email this morning stating that they would not be taking the car and he expressed shock that the bailiffs had arrived at our home. The head of the credit union explained over the telephone to the bailiff that he had received this email and also forwarded this to the email account of the bailiff. The bailiffs then spoke with C+L who told them to ignore this and to take the car.
My mother then spoke to the person handling this account with C+L who claimed that he was not aware that Bailiffs had been sent out to claim the car. Upon request of returning the car, the man at C+L said that this would require a £1000 payment for fees incurred which would not affect the amount owed on her account.
I don't really know what to do or how to act. I know that this is immoral behaviour from a notoriously immoral profession, but there was an agreement between my mother and her creditor- to the extent that the car would have been sold to pay off the debt had she not received confirmation that it would not be repossessed. This added to the email sent this morning to the credit union must give us some kind of argument to fight?
We've never been in this situation so have no idea what procedures to follow and whether we have been treated unfairly in the eyes of the law.
Any help is greatly appreciated.
Kind Regards.
I'm posting on behalf of my mother who has just had her car repossessed by Sherforce on behalf of Corporate and Legal who were attempting to claim the debt which she owed to her local credit union.
The debt was £3700 and my mother had spoken with a bailiff who said they would return at a later date. After this initial conversation, she spoke to the head of the credit union who accepted a monthly repayment option and said not to worry about the bailiffs as he would handle it. This was roughly two weeks ago.
Today, bailiffs arrived at the house demanding my mothers car (purchased around 18 months ago at £5000) for this debt. My mother spoke to the head of the union who insisted that this was not on his behalf and said that the debt collection company C+L had sent an email this morning stating that they would not be taking the car and he expressed shock that the bailiffs had arrived at our home. The head of the credit union explained over the telephone to the bailiff that he had received this email and also forwarded this to the email account of the bailiff. The bailiffs then spoke with C+L who told them to ignore this and to take the car.
My mother then spoke to the person handling this account with C+L who claimed that he was not aware that Bailiffs had been sent out to claim the car. Upon request of returning the car, the man at C+L said that this would require a £1000 payment for fees incurred which would not affect the amount owed on her account.
I don't really know what to do or how to act. I know that this is immoral behaviour from a notoriously immoral profession, but there was an agreement between my mother and her creditor- to the extent that the car would have been sold to pay off the debt had she not received confirmation that it would not be repossessed. This added to the email sent this morning to the credit union must give us some kind of argument to fight?
We've never been in this situation so have no idea what procedures to follow and whether we have been treated unfairly in the eyes of the law.
Any help is greatly appreciated.
Kind Regards.
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