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.
Apart from my other worries and woes, I have now got into a scrape with Duncton. I have a car on finance for £25,450.00 and have paid £14,168.25 off that. I know this is more than a third, but Duncton have sent a termination note through after I missed one payment. They sent a default first and now have told me that they have passed it to an agent who will come and collect the vehicle.
My problems are temporary and I will be able to resume work and payments in January once I have recovered from my operation. I have asked Duncton to work with me and give me a payment break for three months. Once over I would pay them the monthly payment, plus the arrears within three months. They will not accept this, simply stating that they are not allowed to do it.
Can anyone advise me on what do put in a letter. Letting them know that I feel I have been treated unfairly and if they reposses the vehicle without my consent I will seek my money back.
Reading through information. Is it approprate to apply for a time order, if so, which form would I use? Would I be right in thinking that it is either N1 or N244
Duncton Termination
and if they reposses the vehicle without my consent I will seek my money back.
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