Response to What about very rapid repossessons?

Its legal for them to claim anything they want. A civil dispute  which is what were talking about here  isnt about whats legal; its about what is fair. In your friends case, if she attempted to keep them informed of her address so that she could pay any missed payments and ensure things were in order, then any repossession that resulted from them not keeping their records up to date looks like the lenders fault (you dont say whether the property was repossessed or not).

If your friend can prove she made every effort to keep them informed and the payments all paid up, or is able to pay to prevent possession, it would be difficult for a judge to find against her or grant possession to UCB (though not impossible). Being able to prove what you have done is crucial, absolutely crucial, which is why I stress in the Dos and Donts section that you must file everything and keep it.

Incidentally, UCB is a specialist lender and they tend to have much tighter missed payment procedures than conventional lenders (as well as higher charges). UCB does usually try to repossess after three months of payments are missed and, of all the lenders Ive come across, is the only lender that has made a contributor to this page bankrupt.

This is all the more reason why your friend should go to court and speak for herself.

Hope this helps.

Lee

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