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 am doing this for a friend whose car was taken yersterday morning after missing two months payment. They told her the car will be sold in the next seven days if she doesn't pay. She took a loan of £1000 spread over 18mths@ 37.47 per week. She has to pay back total £2,922.66. She has already paid £1,300, now they said her balance is £2,780.00 including charges making a total repayment of £4080.00 on a £1000 loan. How can they sleep at night?
1. Can they sell her car within seven days.
2. Can she request to know if the bill of sale is registered or is there any way to check herself if the bill of sale is registered within seven days.
3. Can she go to court and stop the sale of her car or challenge the inerest or reduce it?
check your friends bill of sale document.if the same person signed the fixed loan agreement and the bill of sale then it is UNENFORCABLE. the money will still be owed but they cannot use the car as security.im seeing a very good solicitor pm me if you want solicitors details.
check the signatures on your BOS.if there is only one signature omn the fixed loan agreement and the bos then it is unenforcable.you will still owe the money but your car cannot be used as security.
Logbook loans madness
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