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    • Jamesx81
    • By Jamesx81 11th Jul 18, 7:35 PM
    • 8Posts
    • 2Thanks
    Enforcement Agents
    • #1
    • 11th Jul 18, 7:35 PM
    Enforcement Agents 11th Jul 18 at 7:35 PM

    I am currently dealing with an enforcement agent over a warrant they are acting on and what I am wanting to know is can they take a vehicle on HP?

    I am not refusing payment just trying to explain I cannot pay all in one go so can over a few payments but rather than listening they are threatening me with every tactic in their user book by looks of it to try get me to pay in full.

    Fairly sure goods on hire purchase cannot be seized but keep reading about this so called grey area surrounding seizing vehicles on hire purchase etc not sure what grey area this is but bottom line is I do not own the vehicle, the hire purchase company does.

    Many thanks in advance.
Page 1
    • sourcrates
    • By sourcrates 11th Jul 18, 7:54 PM
    • 16,422 Posts
    • 15,532 Thanks
    • #2
    • 11th Jul 18, 7:54 PM
    • #2
    • 11th Jul 18, 7:54 PM
    No gray area, they cannot seize goods on hire purchase as the goods belong to the finance company not you.
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  • National Debtline
    • #3
    • 12th Jul 18, 5:59 PM
    • #3
    • 12th Jul 18, 5:59 PM

    Hi Jamesx81,

    Unfortunately, there is a bit of a grey area with HP goods and bailiffs. There are different legal views about whether bailiffs can take control of an item subject to a hire purchase or conditional sale agreement.

    You would need to check the terms and conditions of the HP agreement and if it states that you can accrue a money interest then it may be possible for the bailiffs to take action against that interest. In practice the bailiffs are only likely to consider this if you have paid enough to accrue the interest, but because of the potential risk, it would be advisable to the car from now on, away from the property and on private land to prevent a risk of clamping.

    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
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