What are my rights in a hire purchase or conditional sale agreement?

If you do not keep up the payments, the hirer is only allowed to repossess the goods if:

• you have given your permission for this to happen;
• the hirer has obtained a court order; or
• you have paid less than a third of the total purchase price and the goods are stored on public land.

If you need help dealing with a hire purchase agreement or any other aspect of debt, we recommend that you speak to one of our debt advisers on 0845 345 4 345 for specialist advice. Telephone specialist advice is only available if you qualify for legal aid.

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