Please Help

mummaofone

HI CAN ANYONE HELP I AM NEW TO THIS I AM CONSIDERING GOING BR BUT I HAVE A CAR THAT I DONT WANT TO LOOSE ITS NOT ON HP I OWN IT BUT HOW CAN I KEEP IT IF I GO BR PLS HELP

dalip

First welcome. How much is the car worth?. The OR does not usually take a car if it's below £1,000 and if you can prove you need it for work ect. So don't start to panic yet. Have you taken legal advice?.

mummaofone

Hi I Brought The Car For 1000 Pounds I Dont Work So I Dont Really Need It But I Love Havin It . Can I Put It Into Some One Elses Name And Just Be Insured On It. Have Been Dealoing With Cab For About Three Years Going On Wed To Find Out About Br Its The Only Way I Can Cope I Think

skylight

Dont try and hide the car. The ORs are allowed to search and look etc and will come down on you like a ton of bricks if they find out you are hiding anything.

You need to put together a good argument for keeping your car. Exactly WHY do you need it? Check out Parkers for accurate pricing - just because you paid £1k doesn't mean thats what its worth.

And also bear in mind that this may not even work! I have so far been allowed to keep my car (£1k valued, don't work, single with 4 kids and need it for school runs/hospital/doctors appointments) but others on here with cars of considerably less value have had them taken. It also depends on the OR on the day or your interview - there are no guarantees.

mummaofone

Okay Great Thanks Whats The Next Stepi Need To Take Shall I Just See The Guy At Cab And Ask Him If I Can Go Br Can He Refuse To Help Me He Knows I Have A Lot Of Debts

scaredwitless32

maybe the OR will let a family member buy it from them IF it is not classed exempt as

skylight

I would suggest CCCS or Payplan rather than the CAB. CAB are great but the other two are free dedicated debt organisations. See what they suggest. BR may not be the best course of action for you, but if it is, that is what they will advise. They will go through the implications of being BR.

mummaofone

My Mum Would Buy It From Me Does She Need To Have A Licence To Own It

mummaofone

How Can I Get Hold Of Thoose Two Companies

philnicandamy

links in my sig below for cccs

payplan are here

scaredwitless32

Here you go borrowed from tigerfeets siggy
Your first port of call should be to contact one of the Debt Charities; see links below. Their services are free; they have no vested interest to serve; their advisors are professionally trained and the advice they give will be objective and in your best interests only.

CCCS 0800 138 1111 National Debtline 0808 808 4000 Business Debt Line 0800 197 6026 CAB – Contact your local office and ask to speak to a Specialist Financial Advisor. Insolvency Service- 0845 602 9848