Newbie Needs Help - Car being repossessed

MrsTinks

call herbie - seriously she is the person to speak to! don't cut the padlock or anything until you have spoken to her!
I don't know anyone (CCCS and payplan etc included) who knows more about what the bailiff can and can't do!

RobertoMoir

I guess perfect procrastinator is too busy living up to their name to reply ;-)

We really need to know if this really was a bailiff. A Bailiff wouldn't just clamp a car and walk away without leaving any paperwork behind (or at least, they're being well naughty if they have), and the OP doesn't mention if any paperwork was left.

For this kind of debt to be with a bailiff, a court order would have to exist, it would have to go to enforcement and this really doesn't sound like the way that the sort of bailiffs who do that work operate.

MrsTinks

I agree roberto - however what DCA would be stupid enough to clamp a car? Or to try and remove it?
I guess it COULD be the HP company... would they have different powers if it was the HP agreement that hadn't been adhered to? I guess they might...

Perfect_Procrastinator

Under my HP agreement the company can just come and take it. We are not covered by the Consumer Credit Act because the loan was over £25000. We have paid nearly all of this money but because OH lost his job last year we could not pay the balloon payment at the end. I have spoken to Trading Standards and National Debtline and they say the HP company are entitled to take back the goods.

You were right about the guys not being Bailiffs they are working for the HP company. They do not need a court order apparently.

Thank you for the offers to remove the clamps!

RobertoMoir

Perfect_Procrastinator wrote: »

Under my HP agreement the company can just come and take it. We are not covered by the Consumer Credit Act because the loan was over £25000. We have paid nearly all of this money but because OH lost his job last year we could not pay the balloon payment at the end. I have spoken to Trading Standards and National Debtline and they say the HP company are entitled to take back the goods.

You were right about the guys not being Bailiffs they are working for the HP company. They do not need a court order apparently.

Thank you for the offers to remove the clamps!

Sorry to hear that. I wish I had something more positive to say, I hope things improve for you soon.

Perfect_Procrastinator

Thanks Roberto
I have resigned myself to the fact that the guy is coming to take the car away tonight.