What is the correct process?
By law, a number of events must have occurred prior to repossession:
You received a Section 129 notice and failed to respond within the required 10 days.
A summons was issued and served by the sheriff of the court, which you ignored. The summons is a notice that sets out the specifics of the case or claim that your creditor has against you, the debtor. You have 10 business days to state whether you plan to defend the matter.
A judgment was obtained. When you owe a creditor money and fail to pay on time, a creditor can issue a summons and ask the court for a judgment against you. The creditor can then instruct a sheriff to collect what the judgment says you owe and the judgment will be recorded on your credit record.
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