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    money you owe under the agreement.

    WHAT IF I CANNOT AFFORD TO PAY?

    If you fall behind with your payments on a Hire Purchase or Conditional Sale Agreement, the creditor may be able

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    WHAT IS HIRE PURCHASE/CONDITIONAL SALE?

    Although people often talk about "buying on HP", Hire Purchase Agreements are quite unusual these days. Cars are the most usual goods sold under Hire Purchase or Conditional Sale Agreements. With Hire Purchase and Conditional Sale Agreements, you do not own the goods until you have paid the credit agreement off. This means they are not the same as ordinary credit agreements.

    This means you cannot sell the goods yourself without the creditor's written permission. If you sell the goods without permission, it can be a criminal offense.

    On ordinary credit agreements, the goods you buy belong to you from the time you take out the credit. The lender cannot take the goods back. They can only ask you to pay the money you owe under the agreement.

    WHAT IF I CANNOT AFFORD TO PAY?

    If you fall behind with your payments on a Hire Purchase or Conditional Sale Agreement, the creditor may be able

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    ire Purchase or Conditional Sale Agreements. With Hire Purchase and Conditional Sale Agreements, you do not own the goods until you have paid the credit agreement off. This means they are not the same as ordinary credit agreements.

    This means you cannot sell the goods yourself without the creditor's written permission. If you sell the goods without permission, it can be a criminal offense.

    On ordinary credit agreements, the goods you buy belong to you from the time you take out the credit. The lender cannot take the goods back. They can only ask you to pay the money you owe under the agreement.

    WHAT IF I CANNOT AFFORD TO PAY?

    If you fall behind with your payments on a Hire Purchase or Conditional Sale Agreement, the creditor may be able

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    he same as ordinary credit agreements.

    This means you cannot sell the goods yourself without the creditor's written permission. If you sell the goods without permission, it can be a criminal offense.

    On ordinary credit agreements, the goods you buy belong to you from the time you take out the credit. The lender cannot take the goods back. They can only ask you to pay the money you owe under the agreement.

    WHAT IF I CANNOT AFFORD TO PAY?

    If you fall behind with your payments on a Hire Purchase or Conditional Sale Agreement, the creditor may be able

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    inal offense.

    On ordinary credit agreements, the goods you buy belong to you from the time you take out the credit. The lender cannot take the goods back. They can only ask you to pay the money you owe under the agreement.

    WHAT IF I CANNOT AFFORD TO PAY?

    If you fall behind with your payments on a Hire Purchase or Conditional Sale Agreement, the creditor may be able

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    money you owe under the agreement.

    WHAT IF I CANNOT AFFORD TO PAY?

    If you fall behind with your payments on a Hire Purchase or Conditional Sale Agreement, the creditor may be able to repossess the goods. Look at your agreement. There will be a box telling you how much you need to have paid to stop the creditor taking the goods back without a court order. This should be a third of the total amount payable under the agreement.

    If you have paid a third or more of the total owing, the creditor must go to court to ask for the goods back. They cannot just come round and remove them. Even if you have not paid more than a third of the agreement, the creditor will need an order from the court to remove the goods from "any premises" they are on.

    This appears to include your garage or drive but not a car park or roadside. If your car is parked on the road, or in a public car park, then it would be at risk.

    WHAT IS THE PROCEDURE I

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