I’ve been under debt review since 2016. Std Bank sent a summons to me a few months ago to proceed with a judgment against my name and repossession of my vehicle, even though it was included in the debt review court order. All payments were up to date. I requested the letter notifying my debt counselor of the cancellation of the vehicle from the debt review (which was never received). Std bank eventually forwarded the letter which was dated 2016! Is that even legal to only take action 3 yrs later? Anyway, to avoid the fight which wasn’t getting me anywhere, I sent a repayment offer to the attorneys acting on behalf of Std Bank and also informed them that my income is generated from this vehicle. They only replied to say they’ll put it forward. I’ve paid every month. No feedback from the attorneys nor Std Bank. Out of the blue, my vehicle was repossessed at a shopping centre on Friday evening. The warrant was presented.
Is this a lawful repossession and what do I do now? I feel that the cancellation of the vehicle from the Debt Review order wasn’t supposed to happen in the 1st place.