*Mallard Finance Destroyed My Life!!!!! It took me a while to understand this but I learned the hard way NEVER to TRUST people in Finance. I wanted a Crysler Crossfire so bad in 2007 I went to the showroom and brought a brand new one for £20k. I put £5k deposit down and £15k with Mallard Finance. I was made redundant from my job and I called Mallard to inform them. I only missed one payment. The person I spoke to asked me to return the car and the debt will be satisfied. I was overjoyed and gave them authorisation to pick it up. Considering I have had the car over a year, never missed a payment and the creditor advised returning the car will satisfy the debt. I was shocked when I received a letter from which claimed I still owe £13k!!!!!!! Thirteen thousand pounds after I was advised to return the car. I took them to court at which point they denied ever saying such and I was responsible for the debt. Mallard request a lien on my house now no creditor will touch me. Please!!!!!! Learn from my mistake.*

The previous owner is useless. He sent me documents he sent TE7 and TE9 to the TEC but I am assuming that is irrelevant. I guess this is an expensive lesson for me. I am never buying a car from a private seller again! OH WELL! Thanks for your help tomtubby. All the best I loved that car What are the possibilities of getting my personal belongings in the car? I have a very nice watch and some other things in the car

Hi Tomtubby, Thank you for responding Nothing was provided in their bundle, they were leading to this conclusion hence the reason I was so confident I would win. But there is no point in arguing over it anymore. I have sent a proposal to southwark council to start paying their legal costs. I just want to know what they will do with the car now

After all the stresses I LOST!!!! I have to pay Southwark Council and Newlyn £2725 in legal cost and I lose my car. Basically I lose almost £7k in costs and the car. Who says the legal system is to protect the innocent is a LIAR! I HAD RESPECT for the justice system until yesterday. The judge said it was not the right of the previous owner to sell the car with a levy placed on it. Therefore the car was rightly seized despite DVLA records. She feels my claim is unreasonable therefore I should pay their cost. Please learn from my mistake. I am curious what happens to the car now?

I have a similar issue. I took our a loan £16k car loan with Mallard Vehicle Finance. I was made redundant at my job. I spoke to one of the credit controllers whom told me if I returned the car it should satisfy the debt, I returned the car in July 2009. I recently gained employment and during my credit check the employer found I had a CCJ, Mallard V Finance put a CCJ on my credit for £13k without my knowledge, I know completed an N244 form to get the case heard again, But I was presented with an interim charging order with my home on it, I am very worried. What are my options please? The court date is tomorrow morning Thanks in advance

Thanks for all your help. I have started court action and I will visit my local police station and call my mp because I do not understand why this is happening. It might take long to get my car back but at least I will get some costs from Southwark Council and Newlyn PLC. All my stress and annoyance will not be in vain. Thanks again

I have lost faith in the police force tbh. What difference will going to shout at them in the station make??

The ticket was issued on 17.01.2012 Passed to the bailiff company 29.06.2012 Pcn

I just called southwark council to get a precise date and he said the PCN is not in my name therefore he can't give me any information and hung up the phone on me! They have me car!

I apologise I am replying through my mobile phone. This I thought is common sense. I have called the police 4 times all telling me its a civil matter. They even gave me a reference number for the call CAD 3080. The council involved is Southwark Council. I made them the primary defendant and newlyn the secondary defendant. From everything I have read thus far newlyn and Sourhwark are wrong but the reality is they still hold my car. It begs the question if I take an individuals property and tell them I've taken in because someone else owes me money will the police act then?? I thought we lived in a law governed society but it seems we don't. I'm really getting distressed over this situation

I have no contact with the owner since they left my property The Local Authority told me 15th March 2012 The Car is worth about £3000 I provided them with a letter from DVLA confirming their records showed I acquired the vehicle on the 1/10/2012 and a copy of the insurance certificate. The bailiffs want £720. The seizure is related to the isolated pcn.

The police told me my car is not lost or stolen therefore it is civil because I know where it is! It's been seized by bailiff regardless of the circumstance

He did not leave anything which adds to my angst and irritation. Just spent £100 filing to court! I'm really angry about all this. It seems so obvious they are wrong but it seems they don't want to take responsibility

I just got the name of the Bailiff from Newlyn PLC. Mr **EDIT** . I am nmot sure if it is a fake name. But I want to get him struck off how do I do about doing that? The least he could have done is check the the ownership of the car before taking it! Help please

On 11.02.2013. I came home to find my car gone. I called the police whom gave me the number for the bailiff I called the bailiff and he said the debtor's name was the previous owner. As I was waiting for VIC on the car I contacted DVLA whom sent me a letter stating I owned the care from 01/10/2012 I emailed and faxed the letter to newlyn bailiff and cced the Council. I contacted the council and got a call back from the ticket enforcement manager whom told me if I took the case to court the council will argue they did not give the bailiff permission to seize the car. They just gave them a warrant. I contacted newlyn who told me they are waiting for court papers from me. I started proceedings through moneyonline.gov.uk When the bailiff called me he said the pcn was against my address not the name of the previous owner (The previous owner was my lodger and he sold me the car when he emigrated to the states) The newlyn bailiff also said I could have called DVLA and asked them to put any date on the letter they sent me