Default notice car finance

a2204ndy

Hi there.

looking for a bit of advice.

I have just been issued with a default notice dated the 25/06/2018.

This was sent as i have missed 3 payments. I sent them a letter on the 10/06/2018 requesting that they allow me to VT my agreement. I never heard back from them until i got the default notice. I also sent a second letter, this time via recorded delivery which included the original letter and a second letter which was also dated on the 25/06/2018.

What i would like to know is, can they default me after i have given them notice to terminate my agreement and where do i stand on a legal stand point. The problem i have is that i did not send the 1st letter recorded delivery like the second one. But both the default and my second VT letter are dated the 25/06/2018. Which takes precedent?? Anyone?

[Deleted User]

If you missed payments while waiting for the VT to be arranged, then those missed payments take precedence.

a2204ndy

The whole reason for VT the agreement was that i could not afford the payments. I gave them 14 days notice and heard nothing from them.

I also have not paid 50% so i know there is going to be a bill down the line to pay, but right now i do not have the funds to keep ploughing into this.

I have until the 12/07 before the account defaults so can i VT before then or now that they have issued the letter does that mean im stuck and need to follow through with the default?.


Thanks

[Deleted User]

Phone them and ask, but if you don't have the funds to pay the 50%, then you can't VT.

[Deleted User]

Why did you take it if you couldn't afford the payments?

System

a2204ndy wrote: »

]
What i would like to know is, can they default me after i have given them notice to terminate my agreement

Yes if you haven't continued to honour the contract until it has been terminated.

and where do i stand on a legal stand point.

You owe the money, you are in breach of contract.