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.
My case is more complex but still could do with some help. My pertner and i bought a car on finance with a company called glm. we fell behind with payments and got issued a default notice which i responded to in writing apologizing and that i wanted to bring our account up to date asap as i now have a job etc. Heard nothing from the letter. after working my week in hand (2 weeks after responding to the default) i set a standing order up with my bank to make weekly payments to them plus £100.00 plus off the arrears each month. 3 days after the first payment they sent two thugs out to collect the car from our driveway. they had no paperwork id uniforms etc. i asked if i could get my daughters car seat from the back of the car they agreed. whilst i was doing this they decided to start winching the car up the lorry which caused me to fall and injure myself as i got crushed between the car and lorry and they still didnt stop untill my partner threatened them( he had no choice i was trapped) they then took off with the car. i rang the police as it all seemed a bit dodgy they told me to ring glm (i tried but no-one was available to talk to me) this happened at 8.20pm. following morning i rang glm and was told if i wasnt in arrears they wouldnt of repossed the car and i wouldnt of been hurt and demanded payment within 7 days as they had terminated the contract. with this my dad told me to go to hospital as i was in agony with my side and it was black and blue they confirmed i had two crushed ribs on the right side and checked for any other injurys. i phoned trading standards about this who also informed hse. Hse have been in touch and said they cant do anything as i didnt go to hospital from the scene. Trading standards informed me that i should put a personal claim in (which i have ) but glm have told them they have sent us paperwork after paperwork which honestly we have received nothing from them they then told trading standards that they never recieved a letter from me ( which i have a copy of and so do trading standards) but i found out last week they have moved adress which i didnt know hence why they may not of received my letter but trading standards are telling me i should of sent it via recorded delivery which i didnt think about at the time therefore they cant really help as glm are saying they sent us all the paperwork. But this morning i had a call from trading standards saying we havent got a hp agreement its a bill of sale??? i dont understand i am totally confused ive pulled out the contract which states fixed sum loan agreement and in the small print bill of sale but only my signatures on all the paperwork we have but not sure about theres. can anyone shed any light please as i dont understand what a bill of sale is (trading standards have said that they can now only help if it hasnt been registederd with the court whatever that means.) please help.
also they originally said they should not of took the car from our private driveway. it turns out we paid just short of the 1/3 of the contract and was 3 1/2 payments behind.
My case is more complex but still could do with some help. My pertner and i bought a car on finance with a company called glm. we fell behind with payments and got issued a default notice which i responded to in writing apologizing and that i wanted to bring our account up to date asap as i now have a job etc. Heard nothing from the letter. after working my week in hand (2 weeks after responding to the default) i set a standing order up with my bank to make weekly payments to them plus £100.00 plus off the arrears each month. 3 days after the first payment they sent two thugs out to collect the car from our driveway. they had no paperwork id uniforms etc. i asked if i could get my daughters car seat from the back of the car they agreed. whilst i was doing this they decided to start winching the car up the lorry which caused me to fall and injure myself as i got crushed between the car and lorry and they still didnt stop untill my partner threatened them( he had no choice i was trapped) they then took off with the car. i rang the police as it all seemed a bit dodgy they told me to ring glm (i tried but no-one was available to talk to me) this happened at 8.20pm. following morning i rang glm and was told if i wasnt in arrears they wouldnt of repossed the car and i wouldnt of been hurt and demanded payment within 7 days as they had terminated the contract. with this my dad told me to go to hospital as i was in agony with my side and it was black and blue they confirmed i had two crushed ribs on the right side and checked for any other injurys. i phoned trading standards about this who also informed hse. Hse have been in touch and said they cant do anything as i didnt go to hospital from the scene. Trading standards informed me that i should put a personal claim in (which i have ) but glm have told them they have sent us paperwork after paperwork which honestly we have received nothing from them they then told trading standards that they never recieved a letter from me ( which i have a copy of and so do trading standards) but i found out last week they have moved adress which i didnt know hence why they may not of received my letter but trading standards are telling me i should of sent it via recorded delivery which i didnt think about at the time therefore they cant really help as glm are saying they sent us all the paperwork. But this morning i had a call from trading standards saying we havent got a hp agreement its a bill of sale??? i dont understand i am totally confused ive pulled out the contract which states fixed sum loan agreement and in the small print bill of sale but only my signatures on all the paperwork we have but not sure about theres. can anyone shed any light please as i dont understand what a bill of sale is (trading standards have said that they can now only help if it hasnt been registederd with the court whatever that means.) please help.
With respect may I suggest you make your post easier to read by punctuating it with paragraphs & the like
My case is more complex but still could do with some help. My partner and i bought a car on finance with a company called glm.
We fell behind with payments and got issued a default notice, in which i responded to in writing apologizing and that i wanted to bring our account up to date asap as i now have a job etc. Heard nothing from the letter. After working my week in hand (2 weeks after responding to the default) i set a standing order up with my bank to make weekly payments to them plus £100.00 plus off the arrears each month.
3 days after the first payment they sent two thugs out to collect the car from our driveway. they had no paperwork id uniforms etc. i asked if i could get my daughters car seat from the back of the car they agreed. whilst i was doing this they decided to start winching the car up the lorry which caused me to fall and injure myself as i got crushed between the car and lorry and they still didnt stop untill my partner threatened them( he had no choice i was trapped) they then took off with the car.
i rang the police as it all seemed a bit dodgy they told me to ring glm (i tried but no-one was available to talk to me) this happened at 8.20pm. following morning i rang glm and was told if i wasnt in arrears they wouldnt of repossed the car and i wouldnt of been hurt and demanded payment within 7 days as they had terminated the contract.
with this my dad told me to go to hospital as i was in agony with my side and it was black and blue they confirmed i had two crushed ribs on the right side and checked for any other injurys.
i phoned trading standards about this who also informed hse.
Hse have been in touch and said they cant do anything as i didnt go to hospital from the scene.
Trading standards informed me that i should put a personal claim in (which i have ) but glm have told them they have sent us paperwork after paperwork which honestly we have received nothing from them.
they then told trading standards that they never recieved a letter from me ( which i have a copy of and so do trading standards) but i found out last week they have moved adress which i didnt know hence why they may not of received my letter, but trading standards are telling me i should of sent it via recorded delivery which i didnt think about at the time therefore they cant really help as glm are saying they sent us all the paperwork.
But this morning i had a call from trading standards saying we havent got a hp agreement its a bill of sale??? i dont understand i am totally confused ive pulled out the contract which states fixed sum loan agreement and in the small print bill of sale but only my signatures on all the paperwork we have but not sure about theres.
can anyone shed any light please as i dont understand what a bill of sale is (trading standards have said that they can now only help if it hasnt been registederd with the court whatever that means.) please help.
smudge0212 v LBL
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Originally Posted by smudge0212
