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I’m a bailiff and here are five times your car CAN’T be towed away

HAVING your car towed away by a bailiff is most peoples’ worst nightmare.

However, the present value of dwelling disaster has seen on-line searches round bailiffs improve by a large 569% versus final year.

There are certain scenarios that mean bailiffs cannot legally take your car

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There are sure situations that imply bailiffs can’t legally take your carCredit: Getty Images – Getty

Happily, debt recommendation web site DebtBuffer has put collectively a information on every little thing to do with the grim business.

Part of the information offers with the situations wherein your car can’t be towed away by a bailiff.

The first is ‘a car displaying a disabled badge, or which is clearly utilized by a disabled individual.’

Second, is ‘any camper van, caravan, houseboat or related car which can also be somebody’s foremost residence.’

The third is fairly particular, however will apply to some: ‘if your car is crucial for your job (for those who’re a taxi driver, for instance) and is price lower than £1,350.’

Fourth is ‘a car which is topic to a logbook mortgage the place the final cost to the finance settlement hasn’t been made.’

A logbook mortgage is a mortgage that’s particularly secured towards the car itself.

Lastly, bailiffs cannot take your car whether it is on a Motability scheme.

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The information additionally explains the distinction between a bailiff and a debt collector.

‘Debt collectors are usually employed to get better money owed associated to shopper credit score, similar to loans, overdrafts, bank cards or utility arrears, though they will additionally work on behalf of your native council, the DVLA and HM Revenue and Customers.

‘A debt collector or debt assortment company has no particular authorized powers or rights to get better money owed, enter your property or take something you personal.

‘It’s uncommon for them to go to your residence.’

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‘Bailiffs will usually be despatched to your property to implement a judgement after a court docket motion, and normally for those who’ve not met the settlement set in court docket.

‘Bailiffs have authorized powers to gather a debt together with the correct to go to your property, and to take away and promote your items to repay the money you owe.

‘They could be in a position to pressure entry into your property, however that is solely to get better particular sorts of debt, and is comparatively uncommon.’

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