Hughes rental

Bailey7070

I have some items with Hughes rental and due to covid I have been unable to keep payments. 
I have made numerous arrangements I couldn't keep hoping to be back at work 
Now on universal credit 
They are now threatening court action. 
As anyone been through this.
My items are essential items I'm wondering can they repossess them or will they get a ccj for value of items. 
Help appreciated. 

[Deleted User]

They could repossess, though the goods will likely have low value.

A CCJ will be the normal outcome if you can't come to some kind of mutual agreement.

bradders1983

What are the "essential items"?

sourcrates

Hi,

I don`t know much about the company itself, but I do know a great deal about debt collection.

They will not repossess your goods, no one wants a second hand frying pan or whatever it may be, the value of second hand goods never covers the outstanding debt, so is only ever a very last resort, and only if the goods are re-sellable.

The wording of the letters they send you are almost always generic, and in a standard form, outlining what the consequences of non payment MAY be, not WILL be, big difference.

If you have been affected by COVID-19 the sencible thing to do is write and tell them so, communication with your creditor is a must in these situations, and will ward off potential legal action, are you not aware of the payment breaks available due to the pandemic ?.

Be proactive, even a pound per month can be acceptable, don`t stick your head in the sand, speak to them as soon as possible.

bradders1983

https://www.hughesrental.co.uk/about-rental/

Surely if you are only "renting" you can hand them back, and stop the debts going up more, what are the items in question? If its a washing machine fair enough, but I would argue a TV isnt "essential" in the same sense.

Bailey7070

Hi
We have washer, drier, fridge freezer

sourcrates

They have a live chat function on their website, it connected to me in less than 10 seconds, i`m sure you can make some kind of arrangememt with them that will ease your mind, than you won`t have to worry about it will you.

Bailey7070

Not sure if you read my post I have had numerous plans I couldnt keep. 
Its at the point of court. 

twhitehousescat

Bailey7070 said:

Not sure if you read my post I have had numerous plans I couldnt keep. 
Its at the point of court. 

I suspect its a long way from court 

the company know you are struggling , they know of covid dificulties , they know you are on universal credit 

they cant get blood out of a stone , and they wont risk £50 on court fees plus solisiters to get nothing back 

tell them to collect there goods to mitigate there losses , bet they dont ! , 

listen to what sourcrates is saying 

Bailey7070

sourcrates said:

Hi,

I don`t know much about the company itself, but I do know a great deal about debt collection.

They will not repossess your goods, no one wants a second hand frying pan or whatever it may be, the value of second hand goods never covers the outstanding debt, so is only ever a very last resort, and only if the goods are re-sellable.

The wording of the letters they send you are almost always generic, and in a standard form, outlining what the consequences of non payment MAY be, not WILL be, big difference.

If you have been affected by COVID-19 the sencible thing to do is write and tell them so, communication with your creditor is a must in these situations, and will ward off potential legal action, are you not aware of the payment breaks available due to the pandemic ?.

Be proactive, even a pound per month can be acceptable, don`t stick your head in the sand, speak to them as soon as possible.

What are the payment breaks for covid 

bradders1983

Have you asked for a payment break? I have no idea if the "payment break" thing is covered by this, it isnt a credit agreement as such, its a rental.

In any case if you are struggling to even cover the cost of a tenner a week for a washing machine then I suspect you have much much bigger problems with other debts and maybe you should head to the Debt Free boards.