I have previously posted on this issue so apologies for any possible duplication, but there has been a sudden change in the whole situation that i would really really appreciate some clarity on. I have tried to be brief even though i could write a whole essay on this!
Bit of background – Fell into arrears with my HP agreement, default issued and offer of repayment plan made by myself which was seemingly rejected, then court proceedings launched by the creditor which result in a Suspended Return of Goods Order
As an aside, i had offered a revised monthly payment of £251 in the very first instance some months before court action commenced and the resulting order was for £271 per month. This makes me wonder why court action was ever necessary, particular as i have been hit with £360 in court costs and i am guessing landed with a CCJ?
Also, prior to court action a 3rd party had attended my house in attempt to recover my vehicle, i was not in at the time but the agent left an unenveloped note disclosing the purpose of the failed visit. This was seen by my housemates so much embarrassment followed. I also wonder why this was undertaken given i have paid over half of the agreement so a court order is necessary for vehicle collection
I have raised a complaint to Omsbudsman primarily concerning these issues and the underhand and negligent tactics applied by the finance company
Therefore, imagine my suprise when this morning i receive an answerphone message from an agent saying he was calling on behalf of the finance company to arrange collection of my vehicle!
Given that a court order has been obtained and i have paid the first agreed instalment and i have previously outlined my dissatisfaction with the previous attempted recovery and their general practices, how on earth can they do this? Particularly as on previous correspondence, i reminded them that they have no formal right to attend my property and as such any breach of this will be considered trespassing
I did infact call the agent and outlined the whole situation to him, he stated that he had no knowledge of this and had merely been instructed by the finance company to proceed. He confirmed that he would now go back to the finance company
Please can anyone advise what i can do as i am so shocked by this latest turn of events?
Bit of background – Fell into arrears with my HP agreement, default issued and offer of repayment plan made by myself which was seemingly rejected, then court proceedings launched by the creditor which result in a Suspended Return of Goods Order
As an aside, i had offered a revised monthly payment of £251 in the very first instance some months before court action commenced and the resulting order was for £271 per month. This makes me wonder why court action was ever necessary, particular as i have been hit with £360 in court costs and i am guessing landed with a CCJ?
Also, prior to court action a 3rd party had attended my house in attempt to recover my vehicle, i was not in at the time but the agent left an unenveloped note disclosing the purpose of the failed visit. This was seen by my housemates so much embarrassment followed. I also wonder why this was undertaken given i have paid over half of the agreement so a court order is necessary for vehicle collection
I have raised a complaint to Omsbudsman primarily concerning these issues and the underhand and negligent tactics applied by the finance company
Therefore, imagine my suprise when this morning i receive an answerphone message from an agent saying he was calling on behalf of the finance company to arrange collection of my vehicle!
Given that a court order has been obtained and i have paid the first agreed instalment and i have previously outlined my dissatisfaction with the previous attempted recovery and their general practices, how on earth can they do this? Particularly as on previous correspondence, i reminded them that they have no formal right to attend my property and as such any breach of this will be considered trespassing
I did infact call the agent and outlined the whole situation to him, he stated that he had no knowledge of this and had merely been instructed by the finance company to proceed. He confirmed that he would now go back to the finance company
Please can anyone advise what i can do as i am so shocked by this latest turn of events?
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