Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Hi all, I joined your group yesterday and I cannot believe how helpful you all are. So I want to pick your brains about something. Because of the amount of time it has took me to discover you all. I dont think anything will be able to be done, but I want to ask you experts!!!
Here goes! Very long story short. (Although far to long I expect)
Basically I brought a car from Yes car in Oct 2004. Traded in my old car that I also brought from yes 3 years before. Agreed they could take the car and settle the outstanding amount of credit. (and foolishly started all over again)
When I picked the car from the showroom it was a gleaming silver Ford Focus. We were taken in a room to sort the finance. All agreed, we went outside to take our car.
To our amazement the car was not the one we picked. This car was dirty inside and out and the wing mirror casing was scratched. We told the salesman and he said the one in the showroom was too expensive for us and he had managed to get this for over £500 cheeper with the same 51 reg and for the price of a valet and mirror casing we got a bargain!
We explained that this was not the one we signed up for. The salesman said we had as the number plate was on the contract and we should have noticed. (Yes, we should have written the number plate down when we viewed it in the showroom!!)
Anyway we were told we could give the car back, but unfortunately we couldnt have our old car back as we had signed it over to them. (so basically we were car less and walking home)
I told them I would write to complain. The supervisor was called and he told us we could come back for a valet. He would fit us a new mirror case free of charge and call us when it arrived. (we have this in writing)
Unfortunately My dad died and the car took a back burner for a while. Then when I came to my senses, I realised that we had not heard from Yes CC.
By then (I would say a few months) the car had allsorts going wrong with it. To name a few.
1) Reverse gear hard to engage
2)Rust on back window edge and boot
3)Difficulty closing boot
4)Leaking water through windscreen and sunroof
5)Engine cuuting out whilst driving
6)CD player not working
A few days later the tyre burst on the car and when I went to get the spare I found lots of paperwork about the car. This paperwork was insurance and garage details pointing to the fact that the car had been in a major accident 6months before we got it.
I wrote to YCC to complain and were told I could take the car back for a valet and mirror replacement. As this was the faults the car left with.
I asked if I should have been told that the car had been in a major accident and I had paid well over the odd for a car that had been almost written off. As you can guess no one was interested.
Since then we have had so much work done to the car. The Breakdown insurance is no good because they wont get back to us. (given up)
I was told that the reason the car leaks is due to the accident repair being so shoddy that the windows and sunroof dont fit properly. The roof is too flat?????
Quite basically I have given up! I cant see the point. I will have paid for this car in Dec. (had 2 extra months added on for £15 charges for late payment!) I paid £11,000 for a car now due to the condition only worth around £1000. I dont want to give it back because then I wont have a car. I will continue to pay £211.00 till dec, and put it down to expirience.
The car is still crap and is due to go to the garage Monday to have a speed sensor fitted.
Does anyone think that I am a fool to carry on with this.
Does anyone think I have a case to challenge them for selling me a car that had been in an accident.
I am up for any advice...no insults please(I know I was stupid!)