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.
today and the finance company (Santander) tell me that I have a personal loan and not a car loan therefore they have no interest in my car. They tell me that I can hand the car back to them at any time but if the car at auction fetches less than the amount owing (highly likely), then I will be liable for the difference. I don't have (never got) a copy of the actual agreement that I signed, just a copy of a document outlining what I borrowed. I'd never have taken out a personal loan from a car dealership - if I'd wanted a personal loan I would have gone to my bank. The dealer I bought my car from knows I always VT my car.
Realistically, my car is worth £4250 to a car trader and I currently owe £5544 if I settle within 10 days.
Is there ANYTHING I can do to get rid of this car? It's been a bag of s*** since the day I bought it.
At the top of the "Pre Contract Information" sheet they sent me after I'd signed up, it says "Fixed Sum Loan Agreement". It describes the goods and says it is regulated by the Consumer Credit Act 1974.
Tried to VT my car
) tell me that I have a personal loan and not a car loan therefore they have no interest
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