Julie,(posted 8038 days ago)In addition, please read the do's and donts section under repossession. Especially the bit that states "Expect intimidating letters"
They’ll try to terrify you into paying up. They’ll use your ignorance of the law to make you think that taking you to court is a cheap and easy option for them. It isn’t, far from it. But they won’t let you think that they are bothered by that.
It’s cheap for them to terrify you into paying up with a letter. So they write terrifying letters. Turn them to your advantage by negotiating hard.
Whatever happens they have to comply with the Civil Procedure Rules ! and if you can demonstrate to the judge that they havent, the judge will order them to !