Thanks for the responses. No sadly it was not a CC otherwise you are right section 75 of the CC act would have covered us - oh well, next time.
As for the documents re the repossession - it did not come through the court at all. I got hold of the "Repossession Order" from the company that instigated the action (i.e. the supplier of the car dealer) and guess what they gave me?
A letter which says: The dealer took the car without paying for it and without their consent, they quote a section from the sales of goods act re title to "prove" that they still have title, they offer us advice on how to get our money back via the CC act, and then they tell us if we settle we can have the car back.
That's it! No company letter-head, no solicitor-generated, no official stamp or any markings of any sort, just a typed letter that could have come from anyone.
What has happened here?!
BTW: As soon as I mentioned to my police that some guys with a "paper" were at my house and were taking my car they said "it's a civil matter". They didn't want to hear that I hadn't seen the paper (I was at work at the time), that we had receipts for the car, that I didn't know who these collectors were. Nothing...
Can a possession be taken under these circumstances?
I assure you that I am not leaving any details out. It's as simple as this:
Some company claims to own my vehicle because of something the dealer I bought it from did or didn't do; writes me a letter to tell me this, and then uses that letter to set in motion a "repossession".
What is up with that?!
Anyway, ta for the advice I will see about getting in line with the administrators.
But one thing I want to know - if the vehicle is theirs, don't they need a court to have said so before they take it away from me? And now that they have taken it without going to court what can I do?