Can bailiffs take my car if it's on finance?
At a glance
- On hire purchase (HP) or PCP, the finance company owns the car until the last payment.
- Bailiffs can only take goods that belong to you, so they should not clamp or remove it.
- Show the finance agreement to prove it is not yours.
- If they take it anyway, the finance company or you can make a formal claim to get it back.
Proving the car isn't yours
- Keep a copy of your finance agreement somewhere easy to reach.
- Bailiffs can check online whether a car is on finance — ask them to do so.
- Personal loans are different: if you bought the car outright with a loan, it is yours and could be taken.
Other protections
- A vehicle you need for work may be protected up to £1,350.
- A car with a Blue Badge used by a disabled person should not be taken.
- Contact the bailiff company in writing straight away if your car is clamped wrongly.
Common questions
- Can bailiffs clamp a car on finance?
- They should not, because it is not your property. Send them the finance agreement and ask them to remove the clamp.
- What if the car is in my partner's name?
- Bailiffs should not take goods that belong only to someone else. Keep proof such as the V5C and purchase paperwork.
Useful links
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