Hi , I have just quickly read through this thread and looking at your Bill of Sale it does not mention the correct amount of the loan this means that it is unenforceable therefore the loan is not secured on your car.This means that they cannot seize the car as they will be breaking thne law.You should hide your car or park it somewhere else and consult a solicitor if you are entitled to legal aid Stephensons Solicitors Welcome - Stephensons Solicitors (Leigh, Wigan, Manchester, Bolton, St Helens) - Family, Commercial Law, Conveyancing deal with these kind of issues and I recommend that you contact them anyway.With regard to your PPI you should contact The Finanancial Ombudsman Financial Ombudsman Service and ask their advice.

Hi, If you do not have any assets eg house,you could do nothing the worst thing that would happen is a County Court Judgement in your name,when this happens you could apply to the court for an Administration Order.Basically if you have no money or assets your creditors hands are tied!You could consult your local CAB or Advice Centre as they will be able to help especially as you are on benefits.

Can you have your name removed fromthe business?If you can do this you could stop paying your creditors and go bankrupt.Alternatively if you have £100- 150 disposable income per month you could go for an IVA through Pay Plan Free Debt Management company | Debt Advice | Payplan which is free.The other option is to write to all your creditors with a financial statement and negotiate affordable repayment -plans.

These claim management companies are regulated by The Ministry of Justice,- website - Claims management regulation - Ministry of Justice You can make complaint about a particular company on site by email.

You need to get the Bill of Sale checked for any mistakes just one and it will be void, if their are no mistakes then they have the right to seize car.Most Bills of Sale are void your local CAB or Advice Centre should have contact with specialists who can check this out for you. In the meantime you should hide the car or park it away from your home.

The Funding Corporation are fairly notorious for having unenforceable credit agreements.They also have Bills of Sale which give them the right to seize cars once the customer has defaulted on payments-without the Bill of Sale a court order is needed to return car.Most Bills of Sale are void because of mistakes made, if you are having problems with this company you should get the agreement and bill of sale checked by an expert, go to your local CAB or Advice Centre.