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.
Advice pls. i bought i car in january from arnold clark, filled in used vehicle order form and payed deposit signed by me and seller. form included finance details, part exchange etc at the bottom it says payment method, personal loan 59 payments of £228.36, final £427.36. this was on the 10/01/2009 collected car on the 16/1/09, insured from this date. phoned a few days later was asked to sign again as finance company did not recognise signature, was same company so thought possible went in and signed form. form did not have any figures on it. noticed a higher amount being taken from bank £241.04 contacted rci they sent out copy of agreement, 1st page has figures i never saw or signed this page, 2nd page has info on rights and direct debit section with my details this is only page saleperson showed me or got me to sign, says finance began 21/01/09and is hire purchase, so they must have let me drive for 5 days out of kindness. today is 1st time i have seen this agreement. only £13 more per month but adds up over 5 yrs and would not have bought car at this price would have kept old 1 was only just out of warranty. what if anything can i do? in scotland if that makes difference. thanks
You signed a form without anything on it? Did you not question it at the time?
The finance company couldn't recognize the signature? You can't recognize mine at all - its just a load of lines and a few curls. Do you mean they had something with your signature on file and they didn't compare?
Thought I would bring a few of these to the top so we can see how many have had any satisfaction from Arnold Clark.
Trading Standards wants your help
Dubious website businesses Conterfeit alcohol and cigarettes Illegal sales of alcohol, tobacco, knives & fireworks to children Cowboy builders or tradesmen Car clockers Counterfeiters Aggressive selling
Never phone or accept phonecalls from debt collection companies.
If you don't believe you can win, there is no point in getting out of bed.
_________________________ ________________ _________________________ ___________________
Time to bring this out of the cellar and back into the sunlight
Trading Standards wants your help
Dubious website businesses Conterfeit alcohol and cigarettes Illegal sales of alcohol, tobacco, knives & fireworks to children Cowboy builders or tradesmen Car clockers Counterfeiters Aggressive selling
Never phone or accept phonecalls from debt collection companies.
If you don't believe you can win, there is no point in getting out of bed.
_________________________ ________________ _________________________ ___________________
nothing has changed with this as i still have no idea what i am meant to do. fell behind with payments, up to date at mo but will be behind again next week. fall in income has made things hard for me and many others. constantly few weeks/ month behind starting to worry what they might do, had default letter few months ago. is it arnold clark i should be talking to, or just go to trading standards. thx
Depends where in Scotland you are, but some Trading Standards can be helpfull. On this site you will see that Sharks customer service manager, Alasdair Craig by name ,offers to help disgruntled customers---have you tried him? but don't hold your breath.
Arnold clark/RCI
, was same company so thought possible went in and signed form. form did not have any figures on it. noticed a higher amount being taken from bank £241.04 contacted rci they sent out copy of agreement, 1st page has figures i never saw or signed this page, 2nd page has info on rights and direct debit
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