Repossesion orders

~J~ · 4 Apr 2006 at 15:06

In court tomorrow about CSA debts (long story, don't ask!).

I'm not working at the mo, so can't afford to pay back the £2500 that they are wanting, and I'm worried over a repossesion order.

I don't have much, computer for work (contract/freelance), but a few friends have said that they can't reposses things like the TV/Video as these were my wifes before we were married. Likewise I've got an MP3 player that was a christmas present, and they've said they can't reposses gifts either.

Is that true? Seems a bit unlikely.

oweneades · 4 Apr 2006 at 15:10

I *think* a court can only reposses Items bought by yourself. / Items in your name

(ie they could reposses a car bought by yourself but not one bought by your wife even if you now keep it).

I may be wrong however.

Try google maybe?! :confused:

Riever · 4 Apr 2006 at 15:41

I have heard of ppl signing items of value over to friends or family supposidly for money and showing the bailiffs the piece of paper( like a receipt) and them not being able to do anything.
The person the items have been signed over to must have no debts though.
You might have to check it out though.
Riever

Morba · 4 Apr 2006 at 16:02

im sure if its signed over very recently then its seen as trying to avoid the repossesion and can still be taken.

could be wrong on that tho

chris_r · 4 Apr 2006 at 16:03

If it comes down to it, could family not help you out or friends?

GDad · 4 Apr 2006 at 16:18

One bit of advice, if you have any family or friends that are kind enough to lend you the money, take them up on it, as the bailiffs will take whatever adds up to the amount but it won't be anything like the actual cost of what you paid for it. It's what they expect to get at auction, so a tv that cost you £1000 is worth a couple of hundred off your debt.
Pay as much as you can in cash.

Vanilla · 4 Apr 2006 at 17:18

As long as EDS keeps messing up the CSA systems my hard earned dosh is STAYING MINE.

darreny · 4 Apr 2006 at 17:21

girlfriend works in debt recovery if you want any info.

~J~ · 4 Apr 2006 at 17:34

Cheers for the response.

In answer to some of the advice.

Yep, family could easily help out, I 'could' potentially pay the debt, but it's not through lack of wanting to, but I'm arguing that the amount outstanding is totally wrong. So I'm not prepared to pay a figure that I know is to be wrong.

As for signing items over, yup I agree that's unfair, but likewise I'm saying in all honesty, I have 'nothing' in my name, other than a computer that is used for work related purposes. Even the Xbox360 was purchased as an early birthday present and not in my name.

And as for the things on the TV with the baliffs coming round, that's the bit that bothers me as they seem to show no concern over whether things are in a name or not, it looks like they simply come in and remove stuff.

Naturally I don't want it to get that far, and if it does, then I'll obviously have to swallow the bitter pill and part with money that I don't owe, but that's the last avenue I want to go down.

Anyway, thanks again for the advice, at least I know there are some certain areas where I don't have to panic.

Cheers.

basmic · 4 Apr 2006 at 17:34

darreny said:
girlfriend works in debt recovery if you want any info.

Out of interest, if a payment towards a debt is becoming too much (rising electric bills), are they okay about lowering it a little?

I haven't gone as far as court, but depending on the size of the debt you could spend a month or two in the slammer and still have to pay the debt when you come out.

Chances are, they'll tell you to pay so much a month - and if you don't stick to it, you'll be looking at bars of soap in the shower.

darreny · 4 Apr 2006 at 17:43

basmic said:
Out of interest, if a payment towards a debt is becoming too much (rising electric bills), are they okay about lowering it a little?

I haven't gone as far as court, but depending on the size of the debt you could spend a month or two in the slammer and still have to pay the debt when you come out.

Chances are, they'll tell you to pay so much a month - and if you don't stick to it, you'll be looking at bars of soap in the shower.

they should be ok about that, the main thing is to contact them before they have to contact you and explain any personal changes in your income/outgoings.

sativa · 4 Apr 2006 at 17:50

My advice, apart from raising the issue that you think the figures are incorrect is to offer something, rather than nothing, towards the debt. In such a case you may be given a suspended as opposed to full possession order i.e. suspended on the basis that you pay x pounds each week/month. It is no good to simply put your head in the sand and say you can't pay.

~J~ · 4 Apr 2006 at 18:04

sativa said:
My advice, apart from raising the issue that you think the figures are incorrect is to offer something, rather than nothing, towards the debt. In such a case you may be given a suspended as opposed to full possession order i.e. suspended on the basis that you pay x pounds each week/month. It is no good to simply put your head in the sand and say you can't pay.

Sound advice, thanks for that.