Husband has court summons for car repossession

John1993_2

Amy_Smith wrote: »

Thanks Jim - my sense of humour remains but is wearing thin at times. Yes, I am in this situations (and others) through no fault of my own, but here I am.

I hope that it urns out as well as it can for you, but just wanted to say thianks for restorinng some of my faith in people that you are looking for the best route forward, rather than casting about looking to blame the world.

worried48

Just posting to express sympathy, Amy, yours sounds rather like mine.

Amy_Smith

A bit late in the day, but I thought I'd pop in. Yes, a company called round three times and left a card, the fourth time they wrote 'this is final, have keys and documents ready by Monday'. When I cam back from work on Monday the car was gone (huge relief). You're right - they don't care about anything (I couldn't find the V5) and they must have juts turned up and towed it away. Unfortunately the husband is still here and hasn't earned a penny in 2 years. But I can't afford to pay the electricity bills now, so I'm hoping that as soon as that gets turned off by edf he will hot-foot it over to his Mums as she has the Internet. And fags! Then I will be free to just quietly slip away.

poppasmurf_bewdley

Amy_Smith wrote: »

A bit late in the day, but I thought I'd pop in. Yes, a company called round three times and left a card, the fourth time they wrote 'this is final, have keys and documents ready by Monday'. When I cam back from work on Monday the car was gone (huge relief). You're right - they don't care about anything (I couldn't find the V5) and they must have juts turned up and towed it away. Unfortunately the husband is still here and hasn't earned a penny in 2 years. But I can't afford to pay the electricity bills now, so I'm hoping that as soon as that gets turned off by edf he will hot-foot it over to his Mums as she has the Internet. And fags! Then I will be free to just quietly slip away.

I don't want to be cruel, but couldn't you just throw the idle sod out?

Amy_Smith

Afraid not, he just ignores me. But I have told him that I will be moving out at the end of the month as the income/outcome is unsustainable and I am throwing in the towel. This will mean cancelling any payments for the mortgage and secured loan so I can afford to do it and he can stay there and rot. I'm going to see if I can get some advice from Stepchange first though, as I think the only thing to do really is to declare bankruptcy.

Amy_Smith

worried48 wrote: »

Just posting to express sympathy, Amy, yours sounds rather like mine.

Yep - don't worry about anything in his name, just deal with yourself. It's (a little) more weight off your mind.

Mr_F_Dorsetty

Non payment in cases like this is are a civil matter not criminal, these days you cannot be arrested for failure to pay bills.

If he doesn't give them the keys they'll certainly just get a high court writ and then take it. They will also most likely bankrupt him.

I don't know if you own your house or whatever but you obviously realise your husbands actions are far from adult and can have a rather nasty effect on you and your finances if you're not careful.

He can do or 'not do' as he likes but financially as you're married at minimum, save yourself is my advice. Try to make sure you have nothing in joint names if possible or you'll sink with him.

TrustyOven

Wow. Sounds like he just doesnt care, or has an addiction, and is a waste of space, your time and your kindness.

I hope it all turns out ok for you, Amy.

disco.stu

Sorry to hear about your predicament. Unfortunately, as it's not your car, neither the finance company nor the collections people have any obligation to listen to you or acknowledge you.

The collection agency are getting paid to recover the vehicle, so if they use their truck and it takes them 2 hours to secure it and load it onto the truck - instead of 2 minutes by using the key that you provide - they just get to charge more money back to the finance company (and then onto your husband). if it won't start, they will have to lift/drag it onto the truck anyway.

Your first concern should be to make sure you are not putting yourself (and any kids if applicable) in the middle of the operation. They are going to recover the car and they are going to do it their way. Let them get on with it, and keep out of the way.

The keys are unimportant. If they happen to be conveniently located when they come past, then that may save a bit of money off the bill that will be coming thereafter. But as someone else mentioned, don't put them anywhere where they can be stolen, as you put your insurance at risk and that's one more hassle you probably don't need! If you really want to give them the keys, make sure you give them directly to the collections people and preferably note down the name of who you gave them to. But the keys are not that important to them - they can easily remove the car without them. By the sounds of it, your husband is unlikely to pay the bill which will arrive afterwards, so the cost of the keys isn't going to make much difference.

EDIT: Whoops, hadn't seen that last page and that the car was gone. Maybe it will be a turning point of some sort, and things will get better soon. Here's hoping.