If you have fallen behind on car finance payments in Ireland, the finance company may be threatening repossession. But they cannot simply take your car — there are rules they must follow, and in many cases there are options to protect your vehicle or negotiate a resolution.
Bogdan's solicitor calculated that he had paid over 40% of the total hire purchase price — well above the one-third threshold. The finance company had no right to repossess without a court order. The solicitor wrote formally to the finance company, citing the Consumer Credit Act. The repossession was called off. A three-month payment holiday was agreed while Bogdan recovered.
✓ Repossession stopped — payment holiday agreedNo obligation. Matched to a specialist solicitor within 24 hours.
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