Court Action Help
Hi, thanks for accepting. Hoping someone can help. I got a car on finance back in 2019, really bad APR because my credit was bad, but had no choice at the time. I was paying £200 a month for 3 years, over the summer I just couldn’t afford it anymore so cancelled my DD. Ignored them until last month when I contacted them to try and set up a lower monthly payment. I told them I wasn’t working but I am. They said it’s too late and already due a county court hearing in Dec. I asked what can I do to avoid court, they said pay £450 per month, which just isn’t possible. Do I have a chance pleading my case at county court or do they always rule in favour of the lender? I don’t want to attend the hearing, is it possible just to email them a witness statement? Thanks in advance
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What has happened to the car?
What type of finance was it, and has it been re-possessed, what is the status with that?I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected]. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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