Car To Be Sold At Auction

[chrissa1]

If your car is re-possessed by a Bailiff (not for the car Finance Company), can you go to the auction and buy it back, and if you do can the Bailiff come back and take it away again and again and again and again?

[bednobs]

don't see why not .... if you have the money to buy the car at auction, then surely you should be paying off the debts that have prompted the bailiffs in the first place? If you still owe money, there is nothing to stop bailiffs coming back (i think)

[bobjugs12]

Thats what I was thinking. Instead of repeatedly buying the car, why not pay off your debts.

[chrissa1]

We haven't got the money to pay it all off in one go. If they can keep coming back then, I'm never going to be able to own a car again or anything else for that matter. If someone lends me a car, they could just keep arriving and taking it away!!

[another-view]

If someone lends you a car, that is not your property and they can't take it.

[bobjugs12]

But you've stated you have the money to repeatedly buy back your car, so you must have disposable income of sorts. Use that to start clearing your debts, and speak to CAB about the rest. Maybe bankruptcy or insolvency is the way forward for you.

[another-view]

A car is a luxury. Pay off your debts instead of buying a car.

[chrissa1]

You must live in a town or a city another-view. I live in the country where a car is a necessity not a luxury. So if I manage to buy an old banger, he'll come and take that will he?

[bednobs]

do you still owe money on the original debt that prompted the bailiffs?

[chrissa1]

Yes, until we hopefully win an order from abroad.

[bednobs]

then i'm afriad they could still come and take goods i think

[dh001]

Hi chrissa, could you not get a family member of friend to register a car in their name (or a friend)?.

[dh001]

Sorry, i will try again.

Hi chrissa, could you not get a family member of friend to register a car in their name and technically loan you the vehicle in writing?.

[dh001]

Blimey

"family member OR a friend to........"

[chrissa1]

Ha, dh001. I think I have understood your answer! That sounds like a good idea. My point is that, they could completely empty the average person's home and end up getting only 1% of what everything is worth therefore who wins, apart from the Bailiff?

[dh001]

Hi chrissa, sorry I just realised your comment which reads " If someone lends me a car, they could just keep arriving and taking it away!! ,,," so you have obviously considered this loophole.

My understanding is that bailiffs can only seize goods which belong to the debtor (excluding jointly owned property). Perhaps someone could confirm or otherwise.

[chrissa1]

Thanks dh001. That didn't stop them taking the car in the 1st place even though we had an e mail from the Finance Company stating that the car belonged to Them!! The Bailiff wouldn't even look at it, saying he wasn't interested. How are you expected to handle that???

[dh001]

I just read this, i dont know whether the rules are current:-

Goods which cannot be seized
The bailiff cannot seize the following:

•Goods which belong to another person
•Fixtures and fittings
•Goods on hire-purchase
•Rented appliances/furniture

[chrissa1]

Yes, I have read up about this too, but they still took the car!!!

[dh001]

I am afraid I do not know how to help chrissa other than advise speaking to CAB or a Gov debt agency support organisation.

[chrissa1]

Thanks for your answers dh, much appreciated. We'll get through it.