Repossession order for hire purchase car

AdrianC

Arklight wrote: »

Tbh it doesn't sound like even if there were a chance that the finance company could be talked round, that your husband would really be able to anyway.

The OP has had the car for just over three years, and this situation has been ongoing for a year, after just four missed payments and a total debt of ~£720. We don't know where the total debt is now, but it does seem that the financier have been trying their hardest to get a sensible dialogue going. Taking court action is usually very much the final option, not least because from their perspective it moves everything from "let's work this out and continue the contract" to "how little will this cost us to close it down?"

AndyMc.....

atrixblue.-MFR-. wrote: »

OP comes on here for advise about a repossession and gets told to divorce her husband essentially C.R.A.Z.Y....


Op if your still reading.... Your husband has made a big mistake in that he has been obstructive in dealing with them when he has made the contact, Trying to pull on the heart strings of the Case manager in my opinion would be a futile exercise as it would be taken as a delaying tactic to the repo order they hear allsorts of excuses.


If you mention your going bankrupt they have a live order now and they will just pick it up and cart it off sooner rather than later before you get the chance to put in the paper work and start a bankruptcy.

What’s a case manager going to do?

Next step will be enforcement action bailiffs or sheriffs.

elsien

Can you afford to make higher payments than those you were on previously? High enough to prompt them to reconsider?

atrixblue.-MFR-.

AndyMc..... wrote: »

What!!!8217;s a case manager going to do?

Next step will be enforcement action bailiffs or sheriffs.

Read post number 5, I responded to that with what I posted.


I would say to the OP they need to research N440/N244 Time order and ask for 2 things, one more time to pay, and two set a repayment thats more affordable for them.


Keep a receipt for the N440/N244 if enforcement agents turn up or if the car is lifted by a recovery truck without contact they will need to show proof the N440 is in process with the courts which should stay proceedings of the repo order until this is resolved either the car if lifted will go into storage, or the enforcement agent contact the case manager at the finance company and informs them the N240/N244 is in process and that they cant lift it till its resolved.


https://www.nationaldebtline.org/EW/factsheets/Pages/time-order-hp/hire-purchase-and-conditional-sale.aspx

usefulmale

Mercdriver wrote: »

Seriously - you're giving marital advice to someone you don't know at all, and whose husband you don't know? There's a word for that and that is crazy. Keep your beak out.

Ha ha ha. I don't take any notice of arrogant mercdrivers, either on the road or online. I think I will decline your request.

AndyMc.....

atrixblue.-MFR-. wrote: »

Read post number 5, I responded to that with what I posted.


I would say to the OP they need to research N440/N244 Time order and ask for 2 things, one more time to pay, and two set a repayment thats more affordable for them.


Keep a receipt for the N440/N244 if enforcement agents turn up or if the car is lifted by a recovery truck without contact they will need to show proof the N440 is in process with the courts which should stay proceedings of the repo order until this is resolved either the car if lifted will go into storage, or the enforcement agent contact the case manager at the finance company and informs them the N240/N244 is in process and that they cant lift it till its resolved.


https://www.nationaldebtline.org/EW/factsheets/Pages/time-order-hp/hire-purchase-and-conditional-sale.aspx

Get someone to read post 1 to you.

Mercdriver

usefulmale wrote: »

Ha ha ha. I don't take any notice of arrogant mercdrivers, either on the road or online. I think I will decline your request.

My post wasn't arrogant - and I no longer drive a Merc. Divorces are also generally not very moneysaving. I repeat keep your beak out of other people's business. You don't know them.

usefulmale

Mercdriver wrote: »

My post wasn't arrogant - and I no longer drive a Merc. Divorces are also generally not very moneysaving. I repeat keep your beak out of other people's business. You don't know them.

Acting like the OPs husband isn't exactly moneysaving either.


I repeat, I don't take notice of arrogant mercdrivers either on the road or online.


I decline your request.

Mercdriver

usefulmale wrote: »

Acting like the OPs husband isn't exactly moneysaving either.


I repeat, I don't take notice of arrogant mercdrivers either on the road or online.


I decline your request.

Grow up, Uselessmale