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 I have just discovered this site, and hope someone can give me some advice.
First of all apologies if I have posted this in the wrong place.
I purchased a car in September 2007 and signed a loan agreement, this is where it gets confusing. The loan agreement had a registration number on it and an amount of £8.500 owing.
When I took ownership of the car it had a completely different registration, I informed the garage and they changed registration plate, but this still didn't correspond with loan agreement registration.
I then received a second credit agreement with an amount owing £21,000, I contacted company informed them of registration and queried amount but got nowhere.
I have now traded car in and was told I don't owe any HP on it, now original company want car and it's becoming a nightmare. I was informed that I might need a solicitor to sort this out, but my house insurance legal cover would pay because it's a civil matter. Phoned my insurance and they stated legal cover will cover consumer matters, but not anything to do with motors.
I know this is really confusing but basically - I have two loan agreements with different amounts, wrong registration numbers, and also registration number on documents have been changed without my knowledge, and I never owned a car with either registration number.
I hope someone can help as I can't sleep at night worrying about this.
Rabbi Burns, loan agreement help, please.
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