he did try asking and got nowhere hes going to look for the receipt but fears it may be with the paperwork for the car which she has

thank you that kinda backs up what we feared. lesson learnt I feel!!

my son took out a personal loan for a car he already had a car but his girlfriend needed one for work and as she hadn't had a job for a while was struggling to get credit anyway to cut a story, he got the loan and they paid cash for the car that he took from his own bank account the log book was put into her name they've since split up and he has saw the car is up for sale so my question really is does he have any rights over the vehicle given that he has at least another 2 years paying the loan back for a car he has no access to? he can prove he took the loan and withdrew the cash on the day she signed the log book to put it into her name

I would assume the 14 days notice would have been sent to to borrower and not to me. Taking the car is the final part in the system of what they do. By the time it gets to that point all warnings and notices have been sent to original owner and by the time i was notified of anything happening it was all too late yo be solved unless I could pay the debt and all charges in full

Sadly they don't give you the benefit of time. From receiving my first letter from the loan company to my car being taken away was 12 days because I wasn't willing nor able to clear the debt owed on the car.

This happened to Me. The loan did not show up in the hpi check as it had only been taken out a few days before I unwittingly purchased the vehicle. I was given the log book which us unusual as the loan company usually takes it, this may have been a copy. They came and took my car which as a single working parent I relied on. I had no savings to pay off the other debt or to purchase another vehicle so tough luck to me. The seller has offered me a tenner a week for the next 3 years and apparently if I take him to court will make sure I get less than that as he will tell nthem he has less disposable income. Not a thing I can do about it, they told me they scrap the cars! How can this be fair on innocent people? The law needs to help us

thank you so much everyone for your help, i will speak to the council first thing in the morning and make all the points you have raised about the way Jacobs have behaved. i was really scared when i got the letter yesterday but now feel better about tackling the problem, its not that i disagree with the bill, just the way it has been handled. will update you when ive spoken to them

i have the paperwork here and it reads as follows the balance is £1182.25, the debt to the council is £1048.25 the inventory i will list here word for word 2 red leather settees 1 polaroid LCD TV (this doesnt work) 1 beech TV unit 1 beech sideboard 1 pine dining set and 6 chairs 1 m/wave 1 hoover 1 t/dryer all f/standing b/room furniture as i stated before he was only in my lounge so is assuming i have free standing bedroom furniture and a microwave, tumble dryer hoover etc my daughters crohns is mostly controlled with tablets daily but she does sometimes have flare ups which can impact greatly on her life with severe stomach cramps and an urgency to use the loo

ca sorry can you explain what the CT liability means? x

when he took the initial levy he was only in the lounge/dining room i didnt invite him, nor did he ask to look into any of the other rooms, so bedroom furniture, washer etc were all assumptions he had made. my kids are older, the eldest is 20 and currently unemployed after being made redundant recently, my daughter is 18 and on an apprenticeship and the youngest is 16 and due to start college next month, she has crohns disease

2 sofas, a wood cabinet, table and chairs, all free standing wardrobes (i have none in my room, 2 of my kids are built in and 1 youngest daughter has 1 wardrobe, washer and tumble dryer thats it

hi i recently had a visit from a bailiff from Jacobs, i let him in and he went through the debt i had with my local council for council tax. there were 2 outstanding amounts, 1 i had already made arrangements (which i am meeting every month) with the council for one and the other amount which i disputed as my daughter was on an apprenticeship so we qualify for a 25% reduction as i am a single parent. i told the bailiff that although the amount was in dispute with the council (which he rang while at my house and they verified with him) that i would go through the motions with him in the meantime while the amount was adjusted he left me with a financial circumstances form to fill in along with an offer of payment. i filled the form in and he told me to send a copy of my tax credit award as i was self employed this would clarify my income. i had that very same day renewed my tax credit over the phone so ten made the mistake of deciding to wait and send the new award to jacobs once i had received it. 2 weeks ago i had a letter from jacobs about the debt, i rang immediately and explained i was waiting for the tax credit award, he told me to send in last years and not to wait for the new one. i did this the same day and posted it recorded delivery. today i get home from work to find a letter from jacobs acknowledging receipt of the form but that mt debt had been passed to a bailiff who had been instructed to collect payment in full (approx £1200) or remove goods. obviously its now saturday night and nothing i can do so thought i would try and get some advice before jacobs open first thing monday morning