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car finance payment device
diggerman123
Posts: 367 Forumite
in Loans
so had a car for 30 months of a 36 month agreement with a payment reminder device fitted . The company turned off my car with no prior warning the other day as I was 7 days late paying .
quick legal question
as this is finance and I have paid more than 2 thirds of it , can they legally turn the car off without a court order ? ( preventing me using it ) I did pay it straight away when car was turned off , but had no prior warning beeps from the device .
No preaching about making payments on time please , I was in hospital at the time .
Just interested as to whether they can legally prevent use of it without a court order so far in to the agreement
thanks
quick legal question
as this is finance and I have paid more than 2 thirds of it , can they legally turn the car off without a court order ? ( preventing me using it ) I did pay it straight away when car was turned off , but had no prior warning beeps from the device .
No preaching about making payments on time please , I was in hospital at the time .
Just interested as to whether they can legally prevent use of it without a court order so far in to the agreement
thanks
we all have bad days , some more than others ..................
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Yes, they can.0
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can you explain why zx81 ?we all have bad days , some more than others ..................0
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Can you explain why you think they shouldn't be able to?
What does your paperwork say?"Facism arrives as your friend. It will restore your honour, make you feel proud, protect your house, give you a job, clean up the neighbourhood, remind you of how great you once were, clear out the venal and the corrupt, remove anything you feel is unlike you... [it] doesn't walk in saying, "our programme means militias, mass imprisonments, transportations, war and persecution."0 -
Because it's not your car, you stop paying they turn off the car.diggerman123 wrote: »can you explain why zx81 ?
It's the most ridiculous thing anyone would want to sign up to, but each to their own.0 -
so if I miss a payment on say , a fridge or washing machine , they can prevent use ??????we all have bad days , some more than others ..................0
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If you were to voluntarily sign up for a hypothetical fridge or a washing machine with a remote-controlled off-switch controlled by a finance company, then yes, I dare say they would.diggerman123 wrote: »so if I miss a payment on say , a fridge or washing machine , they can prevent use ??????"Facism arrives as your friend. It will restore your honour, make you feel proud, protect your house, give you a job, clean up the neighbourhood, remind you of how great you once were, clear out the venal and the corrupt, remove anything you feel is unlike you... [it] doesn't walk in saying, "our programme means militias, mass imprisonments, transportations, war and persecution."0 -
I have nothing useful to add to this thread, but I was really surprised to hear that such a mechanism existed. OP, why would you sign up to this in the first place? Was it the only way you could secure finance?0
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diggerman123, if you owned the vehicle the leasing company wouldn't be allowed to fit an immobiliser... as laying claim to other peoples property in lieu of payment, in this country, is against the law, subject to a court order.The views expressed here are my own. I am not a Solicitor nor am I affiliated with any of the parties I mention. If you disagree with any of my comments please say in whatever way feels most natural to you. No one self improves in a bubble!0
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diggerman123 wrote: »
I was in hospital at the time .
Not an excuse in legal terms. Did you allow a direct debit to bounce?0 -
I get flyers from a companny called buy as your view or something. Very high interest rates, a brighthouse type company. It says on their flyer if you take anything from them they will fit a simillar device to your new or existing TV. It's another way of securing paymennts
High interest rates and you have to put up with that... I don't know why people use them.0
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