I have come up with this with a bit of digging around and challenged the CC with it. http://www.legislation.gov.uk/uksi/1998/295/regulation/7/made The only thing is it seems a bit ambiguous! i didn't however have any correspondance from the CC between the liability order being issued (27/06/12) and the bailiff contacting me by letter (05/07/12).

Just out of interest, did you file a defence and attend the court at the hearing?

Yes it is for this years. Liability order taken out 27 June 2012 and passed to B&S on 03 Jul 2012.

No i wasn't in on either visit, which to be honest is likely to be the case as the visits were 11.10 am & 12.45pm respectively

I have only had the two visits, the first when the levy was put on the car and the second when they turned up with a van. As you will see from my previous posts i have been in correspondence with the bailiffs trying to make an arrangement to pay, which they have refused at every step. This is why i am now paying directly to CC. Though since the last post earlier i have also heard back from council rejecting my complaint and telling me i have to deal with the bailiff. It would appear that hey have twisted all my points of complaint in favour of the bailiff so i am probably fighting a loosing battle. My next option is to raise it to a level 2 complaint.

I have had a response from B&S to my last corespondance Not really sure of the way forward with this; though the facts are 1. Yes they put a levy on my vehicle 2. No walking possession agreed as they have never been in the house, not sure why i was charged The van/abortive removal fee, the charge for 2 professional bailiffs to attend your property with a view to removing goods if the balance, including these costs, is not paid in full. They levied a car which couldn't get in the back of a van! 3. I have already started paying directly to council £75 a week. I haven't however had a reply from the council reference my letter of complaint about B&S. 4. It would however seem B&S have been in contact with the council as the balance plus charges has been adjusted to include payments made to the CC. I still dont agree with the charges applied and i cant afford to £553 a month. I am going to continue paying the CC but not really sure where i stand on this.

Cheers Brassneck, that is what i guessed but wasn't quite sure from which direction you were coming from. I am as previously suggested in process of raising complaints with relevant bodies and informed BS of this. Cheers

The Apr rate for CFO will be in the high 10's of thousands (50K+) if i could be bothered to work it out. Paying back £49 for every hundred borrowed is the highest i have seen as i said earlier most are £30 for every hundred which is obviously 30% fixed. Though the main point i was making originally apart from the excessive interest is the way the charge you interest on the interest on top ups which sends the interest rate through the roof.

Obviously i am quoting monthly percentage rate, 49% monthly equates to 588% AER. The APR's are hard to work out as it depends on term of loan though the APR for the above would be astronomical. Most payday loans are normally 25-30% monthly which is scary enough, CFO are way above this.

Sorry brassnecked, i am not entirely sure where you are coming from. I am not looking to gain anyhing by having my vehicle removed and sold at auction. I actually need the vehicle for commuting. The fault is a fairly straight forward one though will have a financial outlay. With the threat of my vehicle being removed i am reluctant to spend the money on repairs. I am also fully aware that the vehicle in itself will not cover the oustanding account. It most likely will only cover the bailiffs dubious charges and i do know that there is regulations about property being removed and sold purely to cover bailiff's costs/charges

Unfortunately as with any company, they will just re-invent themselves under another name. What needs to be done is sort out the whole parasitic industry! As for CFO lending, they are one of the the worst i have come across. Not only do they charge 49% interest on any capital borrowed, should you be desperate enough to want to accept an offer to top up then they add your top up to the original loan (including 49%) and then add another 49% interest. For example; original loan £100 + 49% interest = £149, Top up £100 + £149 + 49 % Interest = £371.01 Therefore you have borrowed a total of £200 in that month and having to pay back £371.01 which equates to added interest of 85.5%. I think this is scandalous.

The vehicle had a levy made on the 31 July 2012, have been trying to sort out a suitable arrangement with BS since then. Have now started paying the CC direct. The Vehicle is not on finance as finished paying it off in April, the car is 2003 plate so 9 years old. I know the book price for my car if in good condition is about £1200 but there is a fault with it at the moment and i would probably at best say it was in average condition.

Thanks brassnecked, i was referring to what ploddertom wrote in his post about goods sold at auction must;

Thanks ploddertom appreciate the info. Does this fall under any specific regulation?

Unfortunately i have not long finished paying off the finance, i would put a value of around £1000 if sold privately.