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First we contacted the Dublin County Sheriffs Office and the Dublin City Sheriffs Office who look after the county and city districts in Dublin respectively. However, officers are not entitled to seize vehicles which are the subject of a hire-purchase agreement on the basis that these vehicles remain the property of the banks until the loan is paid off in full. In August 2010 the BMW Series 7 of developer Paddy Kelly was lifted from his house in Donnybrook on foot of a warrant to the Dublin City Sheriffs Office. The majority of cases of repossessions are bank repossessions – where financial institutions seize their own property after individuals stop making payments on foot of a hire-purchase agreement.
Generally speaking if the vehicle is subject to a personal loan, as opposed to a car loan, then the  bank is not entitled to repossess the car unless they hold a judgment against you for the amount that is due, and sought to have the car seized in order to discharge the judgment. A hire purchase agreement is where a bank owns the vehicle – they have a lien over the vehicle and legally the property remains in their name until the final payment is made.
Finally, just to note, the half-rule says that where the customer has paid half the balance on the hire purchase agreement they can return the car and end the agreement, provided the repayments are up-to-date. Disclaimer: the information in this article does not constitute legal advice of any kind as it is intended to give general indication only.
I had a cleaning business which I sold to a guy, I left the country to live in Australia and this guy who signed a contract to buy the business from me and buy the vans after 3 months is refusin to pay me for th business and is refusing to return my 2 vans.
Banks do not want to reposess cars, however, if payment isnt forthcoming and you ignore the situation they can either write off the debt or reposess the vehicle. Hi Jen, strictly speaking the bank are right – they hold title in the car until the last payment is made. Hi my boyfriend could not make his car repayments under his hire purchase agreement so he handed back the car 3 years ago. I had Van on fiance in 2005 for a company i had, the company stopped trading in 2006 due to personal family problems. Thank you for the information.I will recommend to anyone to check with cartell first before purchasing a car.
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The NMR (National Mileage Register) is Ireland’s first and largest database of recorded mileage. If you enter a mileage incorrectly, please contact us immediately so that we can amend the mileage and so that we can ensure the mileage records are kept accurate on that vehicle. So if the NMR says no discrepancy then does this mean the vehicle is definitely not clocked? Lonely Planet’s experts have explored the world to select the best cities, regions and countries to visit in 2015. A 2500km scenic drive that is seen competing against Australia’s Great Ocean Road & California’s Pacific Coast Highway.
Ireland offers a choice of festivals from celebrating Irish music to a quirky matchmaking festivals, see below to name a few festivals that happens annually. MyDiscoverIreland is a place where you can explore Ireland through our articles, images & videos. Both of these offices have a similar story to tell: officers act on foot of either court orders or revenue warrants made out against a particular person. The vehicle was subsequently returned the following day when it was found to be registered in the name of his wife. This is the type of scenario which the Sheriffs office deal with – and there are not that many of these repossessions in a given year. Please consult a solicitor or relevant banking institution if in any doubt about your exposure to repossession. We contacted Merlin Car Auctions and they tell us as many as 50% of the vehicles they auction are bank repossessions.
However, it seems to us, from what you say, that there may well be a case of fraud if someone has appropriated your assets without paying for them. Its best if you engage with the lender and come to an arrangement that avoids tarnishing your credit rating. Presumably the van was repossessed with the tools in it, and now they’re not accounted for. Unfortunately this is the typical scenario when someone buys a vehicle with outstanding finance. While we aren’t 100% certain we think you could hand the car back, under the half-rule, provided the arrears are cleared.
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You need to be able to locate the VIN of your car for the title and for insurance purposes.
VIN Cloning is RealBefore you buy your next used car, order CARFAX Vehicle History Reports. Select a company to perform your vehicle history report in the event that the dealership or seller will not provide you with a . It is in the interest of everyone to populate such a database so that vehicles with discrepancies can be easily identified. When the result is no discrepancy this means the NMR does not have higher previous readings for the vehicle. Consulting the NMR is a very useful step for a consumer and many customers have told us they get great peace of mind by consulting such a large database. This gives officers the right to seize property in the name of that individual – including motor vehicles. The bank may or may not need a court order to affect a repossession – it depends on how much money is outstanding on the agreement.
Most of the banks send repossessed vehicles for auction by default but a minority choose to sell them elsewhere.
As you’re in arrears your options are more limited although we’re not sure why the finance house seem unwilling to accommodate your proposed repayment schedule – especially since you appear to have paid quite a significant amount already. I would approach someone else at the bank, have your doctors certs to hand, and ask to have the loan period extended by the extra two payments.
Obviously you need to check this with the bank, and we’re not in a position to provide legal advice.
The bank where calling me at time because i couldn make payments and kept telling me they where collecting van. No harm to consult with a lawyer, perhaps using some free legal service like the FLAC, to see if it might apply in your case.

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All electric cars have a range of up to 100 miles and once the infrastructure is in place will be a viable, greener option for the future. offers drivers the reassurance that the car they are purchasing is of a safe standard with a traceable history. Everytime you carry out a Cartell Car Check, and you enter the mileage to check it against the NMR, you are automatically contributing to the NMR. A discrepancy means that we have readings on the National Mileage Register that are inconsistent with the mileage you have entered. That is why it is important to contact Cartell when a possible mileage discrepancy shows on your report. Obviously a vehicle with a lower market value stands a lesser chance of being repossessed by officers who are intent on recouping money on foot of a court order or revenue warrant made out against an individual.
At the moment, just to give you an idea, Merlin have as many as 100 cars for auction which are repossessed bank vehicles. Our understanding of the half rule is that it applies to Hire Purchase agreements (car loans) and not to personal loans. However, if the finance agreement was on the van then the tools in the van would not fall within the terms of the agreement – that would be our broad understanding of the situation. The loan company has subsequently gone bust and he received a letter from a new company who have taken over the debt.
I spent most of 2011 out of work due to injury and when i contacted the bank to reschedule the loan they gave me a form to fill out, which i did, but they never replied. Sounds to us like there are other aspects which a lawyer would be interested to hear – the van was for company purposes and it was financed in your name.
After they complete the track they will earn their very own personalised first driving licence.
He added: "During Irish Road Safety Week, I would urge all drivers who are considering purchasing a second-hand car to make an informed decision.
It gets all new front and rear suspension including a new perimeter sub-frame at the front to improve handling. When you carry out a Cartell Car History Check, you must enter the exact mileage of the vehicle. All of the mileage information on the NMR is supplied by third parties in good faith and cannot be validated. The main reason that a vehicle may show a possible discrepancy is because the mileage was entered in miles instead of kilometers. However, the NMR does not have every mileage reading – and even if we did – there are no guarantees that the vehicle you wish to purchase is displaying accurate mileages.
The bank, unfortunately in your case, are within their rights to look for your assets in compensation for any loss they make if you decline to pay the full agreement amount.
I presume you’ve documented the tools, listed them, and have an exact value set out for them? Are we at any legal advantage from the fact the company did not make any contact for 3years plus so he was unaware of the outstanding debt? McPherson struts have also been fitted to allow for bigger brakes with both the EcoBoost and 5.0 GT receiving performance brake packages behind the standard 19 inch alloy wheels. This is then compared against the NMR and a discrepancy will be returned if such is found on the system.
Other checks you can do include: looking around the vehicle for signs of wear and tear which indicate the vehicle may have done more miles than on the clock, consult a tradesman in the profession for help, run a diagnostic check on the engine (where possible), and ALWAYS ask for full service history before buying. The bank collected van and i heard nothing apart from them telling me they sold van and i was liable for remainder of 16000 after selling the van.
A lawyer on your behalf may be able to argue the van was, in fact, an asset of the company and as the company went into receivership then the debt outstanding should follow the company and not you personally.
At the rear is an all new independent suspension with the geometry, springs, dampers and bushings being specifically tuned and modified for high performance.
A car's vehicle identification number (VIN) is the identifying code for your SPECIFIC automobile.
I explained i had other vehicles and debts from business and i tryed pay them and couldn keep it up. We can’t give legal advice, as you know, but perhaps no harm to have a chat with a legal professional.
You can lookup any Vehicle Identification Number (VIN) and get a car's reported history to CARFAX.
Our partners HPI UK own and operate the UK NMR and Cartell are the only company in Ireland with access to this database.
For example, a dealer could enter 543,788 kms instead of 54,378 km meaning that when it’s checked again it will show up with a possible mileage discrepancy. Where do i stand is there time frame on fiance loans were no contact has been made and i’m still at same address and number.
Sometimes it appears  that a vehicles odometer may have been deliberately altered to show a lower mileage reading.
Cartell is there to assist you by bringing together a substantial database of mileages but we are not here to pass judgment.

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