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.
ok i have read the faq's and many other thread but not found one with this problem
me and my partner took out a car from welcome finance back in 2003 we payed for car perfectly for a year and a bit till i became pregnant and coulndt afford payments while on maternity leave we explained this to welcome and they lowered payments which we still coulnt afford so we defaulted then once went back to work we tryied to catch up on lost payments but soon found out pregnant again so more maternity leave by this time we had had car foralmost 3 years and had fallen behind we told welcome car was now no good to use as we have 4 children 2 adult car was only 5 seater they said nothing they could do so i said can i hand it back they said no as we had defaulted so we tried topay till i lost my job
ok now its where it gets tricky we couldnt afford to pay for car and have asked welcome to take car back since 2006 which they agreed to do. we havent payed um a penny since then its now 2008 and car still sits in my garage no tax mot insurance rotting away but after 30+ telephone calls and 14 letters welcome called other day to say they would pick car up
but oh my god anotehr call today saying they may not pick car up as it has deappreciated in value and is now not econimical for them to pick up so im now stuck with a car which is no good which could have been sold 2 years ago andwould have almost cleared off our finance aggreemnt and welcomewant all the £6000+ we owe them going back the 2 years we haventpayed um for something that was supposed to have been collected from use 2 years ago what can we do
Totally Stuck - Welcome finance
leave we explained this to welcome and they lowered payments which we still coulnt afford so we defaulted then once went back to work we tryied to catch up on lost payments but soon found out pregnant again so more maternity leave by this time we had had car foralmost 3 years and had fallen behind we told welcome car was now no good to use as we have 4 children 2 adult car was only 5 seater they said nothing they could do so i said can i hand it back they said no as we had defaulted so we tried topay till i lost my job
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