reposession

[neilap]

my husband purchased a car on hp 10 months ago we have paid a total of 2500 on a 7000 car. We changed address and informed them but they lost the new address and sent letters to my old address so they say. They also say they phoned my husbands work and they said he didnt work there anymore which he does my answerphone is permanently on wich they said they rang but no messages were ever left and said they tried his mobile which is always on but he never recieved any calls. On monday night he got a call and gave his address again the bloke said we would be recieving correspondance but turned up on our doorstep out of the blue and said he would not leave without the car or he would report it stolen so we had no choice but to give him the car. Seeing as we recieved no correspondance can they do this.

mrs palmer

[Sammy Snake]

Check out this website: www.insolvencyhelpline.co.uk/identify_problem/hire_purchase_problems.htm

Apparently they can only reposess without a court order if you have paid less than 1 third of the total and the vehicle is parked on public ground.

They can get a court order if they have sent you a pre-possesion notice which details what you owe and gives you 15 days to pay it.

Did you actually make any payments on the car or is the �2500 jus the deposit you put down?

[Loosehead]

It is unclear from your question,. Why have you stopped paying? The only reason they'd be chasing you is if you stopped paying. Have I missed something? All the confusion seems peripheral to the central fact.

They can reposess the car under certain circumstances although they cannot force you to hand over the keys. They cannot take it if you sit in it. If they have spare keys they may take it, and then posession being 9 points of the law will probably be able to hang on to it. The car is registered to your husband so they cannot report it stolen and the Police wouldn't be very helpful if they did,.

I could give a fuller answer if I knew why you have stopped paying!!

[Oneeyedvic]

Yes, why did you stop paying.....surely by moving adress, your direct debit / standing order etc shouldn't have changed. Did you query why they weren't taking any money?

the company can send correspondence to your last known house. They would not have had to get a court order if you paid less than a third of the total amount repayable. The police would have supported them in their repossession.

AS loosehead says, there is much confusion in your posts. I fyou clarify the above points, we may be able to help some more.