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.
Here it is in a nutshell!!. Change of circumstance, and I cannot afford my car from welcome as of November 08.
Found myself a cheap car (£1000) to keep me mobile for work.
They said my car was car loan, not HP, said I could not VT, then I could!!!
Car is sat rotting on my drive so I rang them today spoke to a manager and he has now confirmed that my loan is a personal loan called a CST Loan and they have no interest in the car thats why they have not collected it. Suggested I sell it privatley to help pay the outstanding amount.
Would not confirm to me in writing though that they have no interest in the car as I have a personal loan with them.
Did offer to refinance for me over 10 years at a total cost of 24k!!!! for a 3K car.
My head spins every time I ring them!!! Didnt think welcome gave personal loans for cars from there own showroom.
Agreement is not HP, but does quote the car details on it, never heard of a CST loan. and does state I have no right to cancell under the CCA.
My god, Am I the only one that cant get a straight answer lol
Sounds like an unsecured personal loan, car noted as purpose of loan and does not form part of agreement.
You therefore can do with the car what you will, sell it etc.
Welcome Now Say They Cant Take My Car!!!
in the car thats why they have not collected it. Suggested I sell it privatley to help pay the outstanding amount.
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