I have a problem with the above regarding car finance.
June 2009 myself and partner purchased a car for £7390, we part exchanged our other car for £3000, which left a balance of £4390.
This was purchased through a Bill of Sale.
Unfortunately we are in arrears of around £350.
Baliffs from the garage have been banging down the door for a couple of days, i have been afraid to open the door. The banging has gone on for over three quaters of an hour and thye also shout through my letter box!
I have made several calls to them to speak with the Garage owner, Graham.
He was unavailable, eventually contacting me yesterday.
I expalined our financial situation and asked for time to catch up with arrears.
Graham refused and said unless paid in full the car would be taken by his baliffs.
I said that beause we had payed almost half i thought a court would have to decide...Graham said that as the car was sold Bill of sale he was able to take possesion of the car anytime!!
I was mortified to think that not only would he have this car back but it would mean the car we part exchanged in the begining was pointless!
After reading a previous thread about Graham and his baliffs i believe that the Bill of Sale may be void as a his clerk signed as witness.
Please feel free to leave comment as any help/advice is greatly appreiated.