car repossession

maxmycardagain

even fairly mundane family cars can do well if they are low mileage/good spec, etc, i.e. a mondeo ghia will make 20% more than an LX compared with thier relative trade prices, the LX will struggle to make book, the ghia should make its book price easily.

brighter_side_of_life

thanks everyone.

I definately didnt sign any of their paperwork. I only agreed to repossession.

I am going to take 3 clicks advice and return the car to the dealership tomorrow :eek: Dreading it!

I will take with me a covering letter and details of the finance department who have asked for the car back. I have a contact name for their recovery department.

I will leave the keys and relevant docs and run away !!! Well - walk at a fast pace at least!

I will let you know what happens.

The finance company will just have to pick it up from there! I am going to take a firm stance with them. They wanted the car back after all. They refused to let my partner take over the payments because they would rather not deviate from their terms and conditions. Their loss - thats what i say !! :T

Oh dear, look what you have done - turned a poodle into a rockwilder!

I suppose you have to grow a thick skin in the bankruptcy thingy.

Watch this space .........

mysterio_2

if you do a covering letter make sure you dont sign with your sig...type it instead (lenders in the past have been known to do the odd cut & paste job)

brighter_side_of_life

Oh no - how dare they cut and paste ! :mad: That would be illegal and a bloomin dirty trick to play! Surely you could take them to the cleaners for that!

I will take you advice though and just type it. Mind you, they have my signature on my other letters...... they also have it on the original agreement. I have kept a copy of everything and always sent them an original copy. If they do try to cut and paste my signature I will ask why it is photocopied when all the others are in ink.... oh my goodness I am sounding all panicky now!

Hey ho. I wont send my signature from now on.

It comes to something when all i have done is try to be honest with them.

If they send me any more correspondence I will not reply, instead I will send it to my OR and tell them what is going on. Oh, btw, I was told today that my file has been passed to RTLU - will they take this up on my behalf?

thanks

MicheH

The problem is when you post your thoughts and they're dangerously wrong, offering advice that could get someone in hot water you see, we have to pull you up on it because the real experts on here know that vulnerable people are hanging on our/yours/everyones word for a way out or good news. That's the only reason we dare say well no you're a bit off track there.

This board isn't like many others, we mostly have to deal with fact not opinion.

MicheH

Why do you feel the need to be so personally nasty. At no point in any of my posts to you today I have been nasty or rude. It just doesn't make sense why you would attack me like this.

brighter_side_of_life

Hi MicheH

Well done for upholding such dignity! I suppose tensions run high on this board at times. But well done for not being drawn in.

I appreciate all the advice from where ever it comes from. However, you are right we very much hang on to every word. Anything that shows some light at the end of the tunnel.

I think it is right to say if you feel someone may have got it slightly wrong. There is no harm in that - everyone benefits. I has to be taken as it is meant - constructive criticism.

Keep up the good work EVERYONE !! :T x

brighter_side_of_life

Well, I was all set to take my car today, but alas it never happened! The reason is that I was concerned about the registration docs. Apparently the person to whom you are selling or transferring the car to has to sign by law.

So, concerned I would be making the 32 mile round trip for nothing (as the 'girl' on reception probably wouldnt have signed) I have decided to ring the finance company tomorrow and ask them how they go about this.

I am going to say that they can pick the car up from my address but only if whoever picks it up signs to say it has been handed over etc.

Anyway, to put things into perspective.... I attended a rememorial service today and listened as they read out the 100 + names of all those young men who have died in Afgan and Iraq, alot aged 18 and 21..... need I say more. God bless them and their families and everyone still out there, protect them and keep them safe.