This area covers disputes about motor vehicles taken back by a lender or seller under a hire purchase or consumer credit agreement, when ownership or possession is in dispute. A solicitor handles defending or opposing repossession, negotiating with lenders, and navigating court or tribunal processes to resolve who has title or immediate possession of the car. Practice typically involves reviewing the contract, identifying any missteps in enforcement, and pursuing or resisting relief from forfeiture or repossession orders through the county court system. Outcomes hinge on the terms of the agreement, statutory protections, and timely court procedures.
What a solicitor handles in these matters
A solicitor will deal with the specific provisions of hire purchase and consumer credit agreements, prepare or review defence to repossession, apply for set-aside or stay of enforcement, and manage communications with lenders, debt recovery agents, and the court. They handle applications in the County Court or High Court where appropriate, address potential mis-selling or unfair enforcement, and guide clients through the evidential requirements and thresholds to contest possession or recover the vehicle.
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