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.
I've just found out that I have been mis-sold GAP insurance by the retailer who leased me a vehicle for my business.
Things are getting a bit tight financially and I can no longer justify keeping the vehicle on as the monthly payments are quite high.
I have paid well over half the total finance and I feel that it would be justifiable to return this vehicle to them and pay a reasonable amount in settlement of the outstanding finance, but there are punitive clauses in the Finance Agreement which basically would give them every chance to screw me to the floor if I defaulted on payments, or asked them to take it back before the finance runs its course
However, the finance agreement is covered by the CCA and I'm wondering if, as the PPI element was mis-sold, and this was lumped in to the finance agreement (i.e. part of the monthly payments goes to pay the premium) there might be a chance that I could claim that there is a flaw in the contract and so it is non enforceable.
GAP insurance on Lease Vehicle (PPI?)
element was mis-sold, and this was lumped in to the finance agreement (i.e. part of the monthly payments goes to pay the premium) there might be a chance that I could claim that there is a flaw in the contract and so it is non enforceable.
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