Response to Has anyone been taken to court years after repo? what happens then?

If you lose and if you are a PAYE employee then an attachment of earnings is usually chosen by mainstream lenders. Specialist lenders also prefer attachment of earnings orders but some will go for bankruptcy. We have never understood why this is.

At this stage of the game - ie, when a claim has been entered - you should be issuing requests for disclosure. See the Repossession on the right section for more details. It's good that you issued a SARN, but once you have a claim against you, you can - and therefore should - use disclosure.

You will probably need a little paid legal help with disclosure.

Good luck,

Lee

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