Help! Car was impounded and now the lender has it

cb1979

missile wrote: »

I suspect there may be more to this story than OP is letting on?

You are not alone in thinking that

waamo

Mza1234 wrote: »

No I mean repay the full settlement for the car. The car was seized Thursday night, I went Friday morning. I was told to ring my insurer and amend my policy and come back on Monday (the station don’t deal with impounded cars on weekends)

I came back today (Monday) after fixing the issue with my insurer only to find out the lender has already taken the car. I ring them only to find out as the car was out of my possession over the weekend this violates my contract and I must either pay the full settlement for the car, or they will auction the car and I pay the remainder.

I have been up to dates on my payments for the car (infact I have over paid some months)


Ps my login for the other account doesn’t work for some reason hence why I made a new one

There is a strong suspicion that you are (understandably) being somewhat reticent to divulge the full details of this event.

Advice based on half a story is generally poor advice. If there is more to tell then it would help to tell it.

flower77g

I suspect the OP doesn't have valid insurance cover on the car. It seems as if they have changed address and not notified the insurance company. The cost of insuring a car varies depending on the address: there may well have been an additional premium required.

Warwick_Hunt

flower77g wrote: »

I suspect the OP doesn't have valid insurance cover on the car. It seems as if they have changed address and not notified the insurance company. The cost of insuring a car varies depending on the address: there may well have been an additional premium required.

Well never know since they would have written to him at an address he no longer lives at.

AdrianC

Mza1234 wrote: »

No I mean repay the full settlement for the car.

This is definitely not making sense.

maninthestreet

Who was it that took your car without your permission? Are they known to you?
What is the exact clause in your contract with Blue Motion that states the car must always be in your possession?

Mza123

Tarambor wrote: »

So how far behind were you on the payments on the car finance? This is literally the only scenario in which they'd take back the car in such an event. Finance companies aren't in the habit of taking back cars that've been impounded for parking or road tax offences or been recovered from being stolen if you're not in arrears.

As I mentioned I’m up to date with payments, well I’m actually ahead in payments. They took back the car was the car being in impound was seen as the car being out of my possession and is a breach of the contract.

Mza123

missile wrote: »

I suspect there may be more to this story than OP is letting on?

Nope there’s nothing else to it, hence why I feel this is unfair

waamo

See a solicitor and tell them the whole story, not just the bits you want them to hear.

AndyMc.....

Mza123 wrote: »

As I mentioned I’m up to date with payments, well I’m actually ahead in payments. They took back the car was the car being in impound was seen as the car being out of my possession and is a breach of the contract.

Who took the car and how?