Car Repo - Barclays partner Finance (Scotland)

LocoJones

That's what I'm thinking, but I was wondering if I submitted a Time to pay order, by the time it went to court the arrears would be paid off, everything would be up to date so might the court not put a hold on the repo'?
I know the law is slightly different (a bit sketchy) in Scotland as to whether or not they can just take property without a court order (and I know technically, it's their property anyway)

burlington6

pvt wrote: »

I think the point Xbigman was trying to stress was that the option to pay what's owed and carry on with the finance will have gone. They will want full repayment of the outstanding loan amount, not just the missed payments.

Actually, the OP can't even pay what's owed. They need ''4 to 6 weeks'' to catch up

pappa_golf

you changed banks , did you use the "switch" service , which is "guaranteed" to transfer over ALL direct debit type payments


if so , how was this one missed and not transferred ?

LocoJones

I can probably get the money for next week, the 4 - 6 weeks was more of a worst case scenario in regards my getting paid next, but I can juggle about a few things and get the money together.

No, I didn't use the switch service as it was an account I already had open, I just manually over time moved payments over

pvt

LocoJones wrote: »

That's what I'm thinking, but I was wondering if I submitted a Time to pay order, by the time it went to court the arrears would be paid off, everything would be up to date so might the court not put a hold on the repo'?
I know the law is slightly different (a bit sketchy) in Scotland as to whether or not they can just take property without a court order (and I know technically, it's their property anyway)

Not sure about Scotland, but I am pretty sure that the car is their property, and if you have breached the terms of the contract they are at liberty to now recover their property without any need for a court order.

Also, if you hide the car and refuse to tell them where it is, they can essentially report it to the police as stolen.

I am fairly sure that the only way you will keep the car is if you find out who the matter has been passed to, and then pay them the full amount of the outstanding finance together with, I am guessing, whatever fees these financial vultures dream up.

pvt

LocoJones wrote: »

No, I didn't use the switch service as it was an account I already had open, I just manually over time moved payments over

And the old bank didn't write to tell you about the failed DDs, month after month?

tidds

pvt wrote: »

And the old bank didn't write to tell you about the failed DDs, month after month?

Probably... But those letters weren't opened I bet... Didn't look important enough....

mcpitman

To the OP;

Most debt collection cases only get to court orders at ~ 6 months delinquent.

@ 2-3 months is where debt collectors get involved.

I honestly don't know how you didn't feel "well off" every month, sadly ignorance is no defence.

However, youy have said it is your mistake, I suggest contacting Barclays again and keep going at them until you know who now "owns" or acting on the debt, then contact them directly. Escalate if the 1st person won't tell you and so on until you get an answer.

Seems odd Barclays have a "we want the money" stance, but won't tell you who or where you can pay.

National_Debtline

Hi LocoJones


I agree with the above poster that it seems odd that Barclays should want to make it difficult for you to repay them. Odder still in that the more time that passes, the greater the risk that the car will have fallen into disrepair or worse by the time they get round to recovering it.


That all said, a reading of Scots common law would suggest they'd need a court order to remove the car from your land, regardless of the % repaid so far. This may give you some leeway to negotiate a mutually acceptable repayment arrangement. For now, if you are able to determine a channel for making payments on account, I would suggest you start making those (over)payments at the earliest opportunity.


Dennis
@natdebtline