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    • Emmzzi is right, we don't recommend advice by PM. As she rightly says, it's better that advice is made in public and peer-reviewed. HB
    • Personally I would work out what I was owed and go to small claims court; it's faster than an ET and shoud you lose the fees are smaller. Thank you for your DM: I do prefer to comment on a public thread because I am not perfect and extra eyes to catch anything I miss are always helpful.  
    • Right here it is - Ill be checking back throughout the night to make any amendments to our WS Clmt ws redacted (1).pdf
    • Just an update, when going in to sign my payslip they seemed to not expect me. Then I said I was told to be here fore that, and they said it was just being done right then and if I would like to wait. I said I would come back the next day. I brought my father the following day, and they would not answer the door for a while. They cracked open the door to see who it was and spotted my father, closing it. The buzzer was held down and they eventually answered and had us sit in the waiting room. They would have been aware this was my father. After 5-10 minutes they called me specifically into the next room. I did so and they closed the door, which I then got up and opened so that my father could be present as witness. The manager who closed the door seemed shocked by this, saying she has to go and "sign him in" and she went off for 30 seconds before coming back. I asked why I did not have to be signed in, to no response. They were not smiling. I asked where the payslip was, and they instead began by saying that they were conducting an investigation on me for slander of the company.  The manager was then questioned by my father, saying that he had experience as a manager and knows you cannot investigate ex-employees. The cracked a smile and said that I was never employed, but self-employed. This got the same response from my father, which saw "Well, if that's what you think..." in return. Throughout the exchange my father kept asking when I would be getting paid, which was always countered with the fact this "investigation" with no definite end was ongoing. They also said they would get back to me whether they will decide to take it further. My father told me to leave, and that this was about them avoiding being able to pay me.  This may be the case as they were likely aware that debits charged to me would have been listed on the payslip, and that I had asked for the justification for each debit to be listed. Alternatively, this company is notorious for taking customers to court, and it was remarked by then new staff that they had an insane amount of ongoing court cases and that they had never seen a company more aggressive when it came to chasing customers for money. Thus far I had gotten an overview to trading standards (sans the company identity until I got confirmation I would be anonymous) , but concerns over anonymity and the impact of having a record/court case could have on future career prospects prevented me from following up to proscribed bodies or the employment tribunal.  I have been told by friends and family this is likely scare tactics intended to frighten me out of remembering I should be paid. However, they may force my hand here. What is the best course of action?  
    • Thanks for your help   what you have put in post #44 is numbered 1-2-3  but on defences 1 was admitted so it was number 2-3-4 with the responses do I still number just 1-2-3 for the defences
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Im so sick!!

 

i was woken up @ 8am yesterday by x2 men and a pick up truck, i should of been in court thurs, but arrived 10 mins late due to parking arghhh. the case was over by the time i got in there,and nothing i could say to change things. i didnt fill the nc1 forn in b,coz i intended to defend myself in court!

 

the man collecting my car said i could contact the courts and arrange to repay my arrears so that i can keep the car but.... no joy with them.

so i phoned the dca to see if theres any way of me getting the car back if i pay my arrears off they said NO not unless you pay the full bal which is £8600 :eek: .

 

Is there anything i can do? surely they must be something i can do to come to some arrangment to repay!

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Sorry i dont have a reply, but i am in a situation where i am 3 months behind with a car for my wife, its with lomard & they sent me a letter today saying they want the car back, i will have the money to bring the account up to date in the new year,,,, how long did it take for them to come knacking at your door ?

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have had the default about 2 weeks ago,, so they have to get a court notice then? i thought they could just come and take it,, i just really dont want someone turning up at my door at 8 in the morning. i thought i had come to an arrangment with lombard but seems not ??? to many people at places like lombard means things dont get done when they say they will. 1 thing i do know is that if they terminate the agreement even after a default you cant settle the car and have it back, and they wont give the car back. it will go to auction , be sold and come to you for the difference, and in todays climate i think it may be hard to get a decent price at auction for the cars

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Su76

 

As the reposession has already taken place you can try contacting Volkswagen Finance and try to negotiate some sort of repayment plan if they are prepared to return the car to you. If they say No then Volkswagen Finance will auction your car and you will probably have to pay anything that is outstanding.

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have had the default about 2 weeks ago,, so they have to get a court notice then? i thought they could just come and take it,, i just really dont want someone turning up at my door at 8 in the morning. i thought i had come to an arrangment with lombard but seems not ??? to many people at places like lombard means things dont get done when they say they will. 1 thing i do know is that if they terminate the agreement even after a default you cant settle the car and have it back, and they wont give the car back. it will go to auction , be sold and come to you for the difference, and in todays climate i think it may be hard to get a decent price at auction for the cars

 

If you have paid over a 3rd off the finance then they have to get a court order to repo, if you haven't paid over a 3rd then they are able to just come and collect the car!

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I'm intrigued a little here - if you had a court date what exactly was that for? If it was for a Return of Goods Order, then although it is common practice for finance companies to turn up and seek the return of the car once they have the order, in actual fact only a County Court Bailiff can forcefully repossess the vehicle once he is in possession of a Warrant. Can you rewind a little and explain exactly what went on. Volkswagen Finance may be in a more helpful mood if you explain that you have paid over 1/3, the car has been illegal repossessed and you are entitled to the return of all monies paid!

 

RM

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repoman

 

this is new to me

 

so only a court baliff can do a repo once a court order has been granted

what is the situation on a repo where a company like welcome finance, who use there own repo company, country wide.

being this company are not baliffs, just collection agents.

 

can a repo company just go to the court and pick up the warrent, then just drive round and repo the car

 

sub prime car finance is my area so all info gladly appreciated

 

please confirm

 

only a court baliff can do a repo with a court order, not certificated private baliffs or collection agents

 

 

many thanks

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You got it.

 

Basically, under a third paid - car can be repossessed by anyone acting on the instructions of the finance company, subject to vehicle not being on private property/driveway etc etc.

 

Over a third - wot they effectively want to do is get the customer to "surrender" the vehicle to them. They will probably show a copy of the Court Order which states that the car should be returned forthwith or within a period of time. However, if they refuse to (which is unlikely as most people don't know) then the claimant should apply to the court for a warrant. Once the warrant is issued it will be passed to the County Court bailiff who will arrange an appointment to attend. It is the CC bailiff who has the Court's authority to enter property such as a garage or to remove the vehicle from the driveway.

 

Certificated bailiffs have no powers to execute county court warrants. CBs only are allowed to execute liability orders for council tax, csa and rta debt. If a CB shows his certificate to "execute" ROG orders then he is acting outside of his remit.

 

Of course the defendant would be able to propose payments to get a ROG order suspended, even once the warrant was issued it could be suspended.

 

Hope that helps

 

RM

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Hi repoman,

 

I was supposed to attend court but was minutes late due to traffic/parking etc..i had a form (to give me more time) with me to hand in, by the time i got there it had already been dealt with!

 

I have spoken with VW they say it's out of their hands and cannot discuss it with me...

 

the dca have said unless i pay outstanding balance i cannot have the car back.

 

i have seeked advice and feel that i have nothing to loose by trying to get a 2nd hearing to defend myself, so that is what i am doing.

 

first thing in the morning i am going to the courts filling in a N244 form...and hoping to explain why i didn't attend, and why i should be able to continue with the finance!

 

Just hope im not wasting 75pounds in doing so...

Edited by Su76
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Hi Su. Sorry to be a pain but I think we need the full story to be able to help. Who was/is the collection agency. Has the debt been sold on? Who actually took you to Court? If, as I believe, someone has acted illegally by repossessing the car without a warrant from the Court and not being a County Court bailiff they potentially have far more to lose than just letting you continue with the finance. Have you got a copy of the Order the Court made in your absence?

 

RM

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Hi Su. Sorry to be a pain but I think we need the full story to be able to help. Who was/is the collection agency. Has the debt been sold on? Who actually took you to Court? If, as I believe, someone has acted illegally by repossessing the car without a warrant from the Court and not being a County Court bailiff they potentially have far more to lose than just letting you continue with the finance. Have you got a copy of the Order the Court made in your absence?

 

RM

 

Hi no probs glad of the advice...

 

I was taken to court on the 17th Dec by VW finance (the claimant) the dca dealing with it is close credit management.

 

I have had no letters letting me no the outcome of the hearing off either the courts nor the dca company ....i had to contact the dca company on the 17 Dec to ask what had happened they replied with "we have nothing on the systems yet so far but will ring you on the 18th as soon as we know" .....on the 18th i had no phone call again so i called them back in the evening to which they said they still have nothing on the systems but will ring and let me know on the morning of the 19th...again they didnt ring!!

 

i rang somebody at the dca on the 19th about 5pm ish ...she said there was still nothing on the systems and assured me i would be called back on the 20th and not to worry they would let me know before they collected the car, if it went in there favour that is!

 

the next thing i know the guy and a pick up truck was banging my door down @ 8am on the 21st Dec....i told him he wasnt taking the car that i would drive it away, he threatened me with the police said they were on the way now! so i just went along with him!

 

hope this makes sense

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OK, as I said before the usual order that a court would make is for you to return the goods either forthwith (unlikely) or within 28 days. Only a County Court bailiff can repossess the car unless you voluntarily surrendered it...which sounds unlikely...I will do some digging for you, but I think they have illegally repossessed your car, which was protected goods under the Consumer Credit Act and you are therefore entitled to the return of all monies paid under the Agreement. I'd be tempted to put all of this in writing to them, and see what they say. If you can put full details on here than great as others then benefit, but blank out any personal information. I will then create a letter for you. If it comes to it you may issue proceedings for the money, and it may be worth putting the £75 towards that.

 

Let me know. I'm in court tomorrow morning and got a heap of stuff on, but will be back tomorrow night.

 

RM

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OK, as I said before the usual order that a court would make is for you to return the goods either forthwith (unlikely) or within 28 days. Only a County Court bailiff can repossess the car unless you voluntarily surrendered it...which sounds unlikely...I will do some digging for you, but I think they have illegally repossessed your car, which was protected goods under the Consumer Credit Act and you are therefore entitled to the return of all monies paid under the Agreement. I'd be tempted to put all of this in writing to them, and see what they say. If you can put full details on here than great as others then benefit, but blank out any personal information. I will then create a letter for you. If it comes to it you may issue proceedings for the money, and it may be worth putting the £75 towards that.

 

Let me know. I'm in court tomorrow morning and got a heap of stuff on, but will be back tomorrow night.

 

RM

 

 

Ok, but i gave him the keys is that voluntarily surrendering the car??

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have pm'd u! give me a ring if you like - i'm not sure at the moment what the best course of action would be....i think to surrender the vehicle you would need to sign a surrender form not just hand the keys - and if the car was already on the truck then.....i'm getting some advice from a fellow barrister colleague to so hold on for 24 hours.

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have pm'd u! give me a ring if you like - i'm not sure at the moment what the best course of action would be....i think to surrender the vehicle you would need to sign a surrender form not just hand the keys - and if the car was already on the truck then.....i'm getting some advice from a fellow barrister colleague to so hold on for 24 hours.

 

I feel i need to get the form submitted asap due to the dca telling me they are only going to hold my car for 7days that was last Tues...i will go to the courts in the morning and fill the form in as planned but if i need to call you in the morn would this be OK?? around 9-30ish, if not then that's no probs!!

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I have just been to the courts, filled an N244 form in....my next hearing will take place on Mon 5th Jan. The courts also told me that a warrant has not yet been issued...so the dca company (i dont think should have taken my car yet)!!!

 

I need to see a solicitor but they are all closed today, does anybody know where i stand with this atm....im thinking of ringing the police!

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Sorry - didn't see post until now....you're right. The DCA should not have taken the car. They should have applied to the courts for a warrant, the county court bailiff would execute the warrant and would pass the car to the bailiff. I would make it very clear to the DCA exactly what is happening with regards to the new hearing date. Now, let's work on the strategy for the big day!!! Have you had a copy of the original order from the Court yet?

 

RM

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Not had any correspondence from the courts/dca as yet... regarding the outcome of hearing on the 17th Dec.

 

While i was at the courts offices this morning i was told that the judge hadn't yet issued a warrant!

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