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.
We took out a car loan with Hoopoe Finance in 1999. We couldnt keep up the payments and so handed the car back. We have over the years paid back various monthly amounts, as and when we could afford it. The amount of finance was £10,000.00 ish, so we have been paying this off for 10 years. The debt was passed to !st credit, but then when i queried the amount owed, it went back to Hoopoe Finance and we have been paying them ever since. I got a statement of account today that says we still owe £5,219.00!!! Rubbish. My question is do they need a CCA or not as they are not a DCA, but a finance company.