Missed Car Finance Instalments in Kuwait: Can the Finance Company Repossess Your Car? Your Rights Before and After Seizure

Few households in Kuwait do not have at least one financed car. Islamic and conventional banks, finance companies and car dealerships all offer vehicle finance repaid in monthly instalments over several years, and most customers sign confident that they can keep up. Then something unplanned happens: a salary stops, employment is terminated, an illness strikes, or family obligations suddenly grow. One instalment is missed, then a second. Reminder messages turn into repeated calls, and eventually an explicit threat arrives: "We will repossess the car."

At that point the questions pile up. Can the finance company really take the car from outside your home without a court judgment? Who legally owns a car that has not yet been paid off? If it is sold at auction for less than the outstanding balance, do you still owe the difference? Can missed instalments lead to a travel ban? What can you do about excessive late fees? Can you complain to the Central Bank? And will the financier agree to reschedule?

This article answers those questions specifically for vehicles. It does not repeat the general rules on instalment sales that we covered in Instalment Sale Contracts in Kuwait, nor the general law of lease-to-own arrangements discussed in Finance Leasing in Kuwait. The focus here is what a car owner in arrears actually faces: what the financier may do, what it may not do, and what the customer can do before and after seizure.

The Short Answer

As a rule, a finance company may not take the car out of your possession by force or by trickery without an enforceable instrument or your genuine consent. In Kuwait, debts are enforced through the courts and the Execution Department, not through "self-help" repossession by the creditor or its agents, even if the car is pledged to the financier or registered in its name.

• The type of contract decides who owns the car: under murabaha, ownership usually passes to you and the financier keeps security (a pledge or an annotation on the registration). Under an ijara ending in ownership, the financier remains the owner until the final payment. Under an instalment sale with retention of title, your ownership is deferred until you pay in full.
• Being in arrears does not strip you of rights: you are entitled to a detailed statement of account, to challenge fees that were never agreed or are excessive, and to ask for rescheduling.
• An auction sale does not automatically end the debt: if the price falls short of the balance, you still owe the shortfall; if it exceeds the debt and costs, the surplus is yours.
• A travel ban is not automatic: it requires an application by the creditor and a decision by the competent authority under the conditions set by law.
• The Central Bank of Kuwait handles complaints where the financier is a bank or a company under its supervision, after you have first complained to the financier itself.
• The safest course: do not ignore notices, do not sign a "handover acknowledgement" under pressure, keep every message, and negotiate early.

The Legal Framework

Kuwait has no single statute called a "car finance law". The rules are spread across several pieces of legislation that work together:

• The Civil Code, issued by Decree-Law No. 67 of 1980: governs contracts in general, sale (including instalment sales and retention of title), lease, pledge, liquidated damages (penalty clauses) and the judge's power to reduce them when grossly excessive, and the principle of good faith in performance.
• The Commercial Code, issued by Decree-Law No. 68 of 1980: governs banking operations, commercial pledges and interest in commercial dealings. It matters because the financier is a trader engaged in banking or finance.
• The Civil and Commercial Procedure Code, issued by Decree-Law No. 38 of 1980: the enforcement statute. It regulates enforceable instruments, attachment of movables including vehicles, public auction, distribution of proceeds, payment orders, travel bans, debtor imprisonment and enforcement objections. Its enforcement provisions have been amended more than once, so the text in force at the time of the dispute must always be checked.
• Law No. 32 of 1968 concerning Currency, the Central Bank of Kuwait and the Organisation of Banking Business: gives the Central Bank supervisory authority over banks and over the finance and investment companies registered with it, and underpins the binding instructions it issues on consumer finance and customer protection.
• Consumer Protection Law No. 39 of 2014: establishes the consumer's right to accurate and clear information about goods, services and contract terms, prohibits misleading terms and practices, and gives the Ministry of Commerce and Industry jurisdiction over complaints in transactions not supervised by another regulator.
• Central Bank of Kuwait instructions: regulate consumer lending, including limits on the ratio of monthly deductions to income, disclosure of total cost, the basis for charging fees and commissions, and complaint-handling procedures. Because these instructions are revised periodically, we do not quote specific percentages or ceilings here; the circular in force should be checked in any dispute.
• Traffic Department rules (Ministry of Interior): govern vehicle registration, owner details and the annotation of pledges or restrictions on title, which in practice decides whether the car can be transferred or sold.

Alongside these texts, the signed contract remains the key document. It defines the type of finance, the owner, acceleration events, late fees, insurance requirements and how notice is given. However, a clause that contradicts a mandatory rule of law, such as one purporting to allow the financier to take the car by force, cannot give the financier powers the law does not allow.

The Substantive Rules

1. Who owns the car? Three contract types, three different outcomes

The first question a lawyer asks a customer in arrears is: what kind of contract did you sign? The answer changes everything that follows.

• Murabaha (cost-plus sale to the purchase orderer): the Islamic bank or finance company buys the car from the dealer and then sells it to you at a deferred price that includes a disclosed profit, payable in instalments. You become the owner once the sale is completed, and the price becomes a debt you owe. To secure it, the financier normally takes a pledge over the car or an annotation in the traffic records that prevents transfer before payment. Arrears here create a secured debt; they do not return ownership to the financier.
• Ijara ending in ownership (finance lease): the car remains the financier's property throughout the term. You are a lessee paying periodic rent, and ownership passes to you at the end by sale, gift or a promise to transfer, depending on the contract. Arrears are a breach of the lessee's obligations that may entitle the lessor to seek termination and recovery of the leased asset, but through legal process, not by force.
• Instalment sale with retention of title: common with some dealerships and deferred-sale companies. The parties agree that ownership will not pass to the buyer until the last instalment, while the buyer takes delivery and uses the car. If the buyer defaults, the seller may seek rescission and recovery of the car, subject to the fair accounting that the law and the courts require for what the buyer has paid against use and depreciation.

Many customers do not know which type they have, because the documents carry marketing labels such as "auto finance" or "ownership programme". The first step is therefore always to read the contract, its annexes and the vehicle registration: in whose name is the car registered, is there a pledge annotation, and did you sign a sale or a lease?

2. Can the car be repossessed without a court order?

This is the heart of the matter. The rule in the Kuwaiti legal system is that no one may enforce a right by their own hand. A creditor, however clear its claim, must go to court to obtain an enforceable instrument and then enforce it through the Ministry of Justice's Execution Department and its officers, not through collection agents or private recovery firms.

• Under murabaha you own the car, so taking it without your consent and without enforcement proceedings interferes with your ownership and possession. The pledge does not justify it: a pledge gives the creditor priority, a right to follow the asset and a right to enforce against it through legal process, not a right to seize it.
• Under ijara and retention-of-title sales the financier owns the car, but it has handed possession to you under a valid contract. Recovering it requires termination of the contract, by agreement or by the court, and then enforcement. An owner who retakes property from a lawful possessor by force may itself face civil and, depending on the facts, criminal liability.
• A contract clause stating that "the financier may repossess the vehicle at any time upon default" does not turn the financier into an enforcement authority. It does not permit entering a home, using force or resorting to tricks such as asking for the car "for inspection or servicing" and then keeping it. At most, the clause may evidence a prior agreement on termination for default, and its effect is for the judge to assess.

When is repossession lawful? In two main situations: voluntary surrender, where the customer freely signs to hand over the car as part of a settlement, and official enforcement under an enforceable instrument through the Execution Department. Many problems arise in the grey zone between the two: an agent arrives with a form to sign "to confirm receipt", which is in reality an acknowledgement of voluntary surrender and waiver. Do not sign anything under pressure. Ask for a copy and take time to show it to a lawyer.

If the car is actually taken without your consent and without official process, record the incident immediately with a report at the competent police station, preserve witness details and camera footage, and assess with your lawyer a claim for restoration of possession and damages. That claim does not, however, cancel the underlying debt.

3. The vehicle pledge and its consequences

• You may not transfer title or make a sale that is effective against the creditor without its consent or full payment, and traffic procedures generally do not allow transfer while the annotation remains.
• Priority: on a forced sale, the pledgee is paid from the price before ordinary creditors, within the ranking rules set by law.
• Right to follow: if the car somehow passes to someone else, the pledgee may still enforce against it in that person's hands, provided the pledge is effective against third parties.
• Comprehensive insurance: finance contracts usually require comprehensive cover with the financier as first beneficiary. If the car is written off, the payout goes first to the outstanding balance. See Motor Insurance in Kuwait.

An important warning: "selling" a financed car to a third party by informal assignment without the financier's knowledge is common and dangerous. Under ijara or retention of title you are disposing of property you do not own, which may expose you to criminal as well as civil liability. Under murabaha you are disposing of pledged property, and the buyer receives a car burdened by someone else's right. The proper route is a settlement with the financier: early repayment from the sale price, or transfer of the finance to the buyer with the financier's approval.

4. Acceleration of the whole balance

Most finance contracts contain an acceleration clause: if a stated number of instalments is missed, the entire remaining balance becomes due at once. Such clauses are valid in principle, but their application is subject to limits:

• the triggering condition must actually be met, with no fewer missed instalments than the contract specifies;
• any prior notice required by the contract must be given;
• under murabaha the deferred profit forms part of the agreed price, but Central Bank instructions and banking practice address rebates of unearned profit on early settlement, so ask about this expressly in any settlement;
• under conventional finance, interest or commissions on the remaining balance may not exceed what the contract and regulatory instructions allow.

5. Excessive late fees

• No fee without a basis: a fee or penalty is only payable if the contract or an approved, published tariff provides for it under the regulator's instructions. Newly invented charges that are not in the contract can be challenged.
• The judge's power to reduce: under the Kuwaiti Civil Code, a penalty clause, meaning damages fixed in advance for breach, may be reduced by the judge if the debtor proves it is grossly excessive or that the obligation was partly performed. This is a key tool against penalties out of proportion to the real loss.
• In Islamic finance: many contracts provide that late-payment charges do not form part of the financier's income but are paid to charity under the decisions of its Sharia supervisory board. Ask for this to be shown in your statement if your contract says so.
• Regulatory limits: the Central Bank sets rules on fees and commissions for consumer finance by supervised institutions, and any fee that breaches them is a proper subject for a complaint.

In practice, ask for a detailed statement that separates principal, profit or interest, fees and penalties, which shows exactly what can be disputed.

6. Rescheduling and settlement

Rescheduling is not an absolute right that the customer can force on the financier, but financiers frequently agree to it because amicable collection is faster and cheaper than litigation and auction. Common forms include:

• extending the term to reduce the monthly instalment, bearing in mind the effect on total cost;
• temporary deferral of several instalments for an emergency, such as the grace some institutions give on proof of lost income;
• a final settlement for a lump sum with part of the fees or unearned profit waived;
• an orderly consensual sale: the customer sells the car at market price with the financier's consent and the debt is paid from the proceeds, usually far better for the customer than a forced auction.

Whatever the settlement, insist that it be in writing, stating the agreed balance, its effect on accrued penalties, the withdrawal of any pending court or enforcement action, and what happens to cheques or notes previously given as security. An oral settlement will not protect you if the financier later claims the original balance.

7. Enforcement and attachment of the car

If settlement fails, the financier usually takes one of these routes:

• an ordinary lawsuit for the balance or for termination and recovery of the car, ending in a judgment bearing the enforcement formula;
• a payment order where the debt is a fixed sum of money, proven in writing, due and liquidated. This summary route is explained in Payment Orders under Kuwaiti Law, and the debtor may object within the legal time limit;
• precautionary attachment of the car before judgment where the conditions are met, for fear it will be hidden or disposed of.

Once an enforceable instrument exists, an enforcement file is opened at the Execution Department, the debtor is served and called on to pay. If payment is not made, the car may be attached and taken into custody by the competent authority, then sold at public auction following the notice and scheduling steps in the Procedure Code. The broader enforcement process is covered in Compulsory Enforcement under Kuwaiti Law.

Enforcement is not limited to the car. A creditor holding an enforceable instrument can also proceed against the debtor's other assets, including part of the salary within legal limits, as explained in Salary Garnishment in Kuwait, and bank accounts.

At this stage the debtor still has important defences: objection or appeal within the deadlines, enforcement objections where enforcement breaches the law or the instrument, challenges to the calculation of the debt and added charges, and a request to stay the sale on payment or on providing sufficient funds before the auction is completed.

8. Auction sale and the shortfall

• If the car sells for less than the debt, which is typical because used cars fetch less at auction than on the open market, the net price after enforcement and sale costs is credited to the debt, and the debtor remains liable for the shortfall, which can be enforced against other assets.
• If the price exceeds the debt and costs, the surplus belongs to the debtor or is distributed among other attaching creditors under the distribution rules.
• Under ijara and retention of title the picture differs: where the owner recovers the car after termination, the question is what happens to instalments already paid. The courts generally balance the owner's right to compensation for use and depreciation against the customer's right not to be the source of unjust enrichment, where the financier would keep the car, keep everything paid and still claim the full balance.

If your car is sold or recovered, ask for a final settlement statement showing the sale price, the costs deducted and the balance claimed. You may challenge a sale at a derisory price or a sale affected by defects in advertisement or valuation.

9. Travel bans and debtor imprisonment

• A travel ban is not an automatic consequence of a missed instalment, and the financier cannot impose one itself. It is ordered by the competent authority on the creditor's application, under the conditions of the Procedure Code relating to proof and amount of the debt and a genuine risk that the debtor will leave.
• It may be sought at the enforcement stage on the basis of an enforceable instrument, and in certain cases before judgment where serious grounds exist.
• It is usually lifted by payment, by acceptable security or guarantee, by depositing the amount, or by a grievance where its conditions are not met.
• The rules on debtor imprisonment, arrest and compelled attendance are subject to specific conditions and have been legislatively amended, so it should not be assumed that every defaulting debtor will be detained.

These topics are covered in detail in Travel Bans under Kuwaiti Law and Debtor Imprisonment and Arrest Orders in Enforcement. If you plan to travel while a finance facility is in arrears, check for any restriction through the Ministry of Justice's official channels before heading to the airport.

10. Cheques and notes given as security

Some financiers, especially non-banks, require signed cheques or promissory notes as security for instalments. Under Kuwaiti law a cheque is an instrument of payment, and presenting one without sufficient funds may lead to criminal liability regardless of the drawer's claim that it was only security. Such cheques must therefore be expressly dealt with in any settlement and returned on payment. See Bounced Cheques in Kuwait.

11. Complaining to the Central Bank of Kuwait

• Start with a written complaint to the financier's own customer complaints unit and keep its reference and date; regulatory instructions require supervised institutions to handle complaints within a set period.
• If there is no reply or the reply is unsatisfactory, complain to the customer protection function at the Central Bank of Kuwait through its official channels, attaching the contract, statement, correspondence and the financier's response.
• A regulatory complaint suits issues such as unagreed fees, lack of disclosure, abusive conduct by collection agents, refusal to issue a statement, and breach of deduction limits.
• A complaint does not automatically suspend court proceedings and does not replace the court in deciding civil disputes, but it often pushes the financier towards settlement.

Where the financier is a dealership or deferred-sale company outside Central Bank supervision, the route is the Consumer Protection Department at the Ministry of Commerce and Industry, within the scope of the Consumer Protection Law, in addition to the courts. For banking customers' rights more generally, see Credit Cards and Consumer Loans in Kuwait.

Principles of the Court of Cassation

The Kuwaiti Court of Cassation has settled a number of general principles relevant to this subject, set out here in general terms:

• The Court of Cassation has consistently held that a contract is characterised according to the parties' real intention, not the words and labels they used. A contract called a "lease" may be characterised as an instalment sale if that is what the parties truly intended, and vice versa, with decisive consequences for ownership and remedies on default.
• It has consistently held that an express termination clause removes the judge's discretion over termination once its conditions are met, while the judge still verifies that they are met and that the creditor has not waived them by later conduct, such as accepting late instalments without reservation.
• It has consistently held that the judge may reduce agreed damages if the debtor proves they were grossly excessive, the burden of proof resting on the debtor.
• It has consistently held that a creditor may not take the law into its own hands, and that compulsory enforcement requires an enforceable instrument and the procedure laid down by law.
• It has consistently held that interpreting contracts and weighing evidence fall within the trial court's discretion where its reasoning is sound, which makes careful preparation of documents and defences at first instance decisive.

Methodological note: these principles are stated in their general, settled form. We have deliberately not cited appeal numbers or judgment dates, to avoid any inaccurate attribution. Their application depends on the facts and contract terms in each dispute, and in litigation the officially published judgments and their exact wording should be consulted.

Practical Steps and Documents

Before arrears become a dispute

• Contact the financier in writing as soon as you foresee difficulty; do not wait for arrears to build up. Early engagement strengthens your negotiating position and shows good faith.
• Request a detailed statement of principal, profit or interest, fees, penalties and payments made.
• Submit a reasoned rescheduling request with evidence of your circumstances: termination letter, new salary certificate or medical report.
• Check your credit report with the credit information company to see how the arrears have been recorded.
• Do not dispose of the car by informal sale or assignment, and do not take it out of the country.
• Keep the insurance in force; a lapse is a separate breach and multiplies the loss if an accident occurs.

When threatened with repossession or visited by an agent

• Ask to see the enforceable instrument or attachment order and the identity of the enforcement officer. Without one, there is no legal obligation to hand over the car.
• Do not sign any handover, waiver or release before reading it and showing it to a lawyer.
• Avoid confrontation or force, record the incident with photos and witnesses, and file a report if there is any assault.
• Keep text messages and recordings containing threats or abuse; they support a regulatory or legal complaint.

After attachment or sale

• Review the enforcement file for the auction date and the amount being enforced.
• Assess with your lawyer an enforcement objection or grievance, and whether to seek a stay of sale through payment or settlement before the auction.
• Request the final settlement statement and check the price, costs and remaining balance.
• Once paid, make sure any travel ban and any salary or account attachment is lifted, and obtain a clearance certificate and removal of the annotation on the vehicle.

Documents you will need

• The finance contract, all annexes and the repayment schedule.
• The vehicle registration and any annotations on it.
• The detailed statement of account and payment receipts.
• The comprehensive insurance policy.
• Correspondence, notices and any settlement offer.
• A list of cheques or notes given as security.
• Evidence of the emergency (termination, medical reports, change in income).
• Any court papers or Execution Department documents served on you.

Hypothetical Cases

Case 1: An agent tows the car from the workplace car park

The hypothetical facts: an employee financed his car under a murabaha contract with a finance company supervised by the Central Bank and fell three instalments behind after a pay cut. An agent from a collection company engaged by the financier then towed the car from his workplace car park, citing a contract clause allowing repossession on default.

The legal analysis: under murabaha the employee owns the car and the financier is a secured creditor. The pledge does not permit seizure without an enforceable instrument and official process, and the contract clause does not give the financier enforcement powers of its own. The employee can record the incident immediately, claim return of the car and damages, and lodge a regulatory complaint against the financier for the conduct of its contractor. None of this cancels the missed instalments, so the sensible course is to combine asserting his rights with negotiating a new schedule.

Case 2: Ijara ending in ownership with most instalments paid

The hypothetical facts: a customer had paid most of the instalments under an ijara ending in ownership, then defaulted on the last few after losing his job. The financier sued to terminate the contract and recover the car, while also claiming all remaining instalments and late penalties.

The legal analysis: the car belongs to the financier and the customer is a lessee, so the financier may seek termination and recovery if breach is proven under the contract. But combining recovery of the car with a claim for all future instalments is questionable, because rent is consideration for use, and termination ends the use. The customer can argue disproportion, seek reduction of excessive penalties, and ask the court to characterise the contract according to its substance if it is in reality an instalment sale. A settlement to pay the balance and keep the car is often the cheapest outcome for both sides.

Case 3: Auction, shortfall claim and travel ban

The hypothetical facts: a financier obtained judgment against an expatriate for the balance of his car finance. The car was attached and sold at auction far below its market price, after which the financier obtained a travel ban and claimed the shortfall.

The legal analysis: an auction sale discharges the debt only to the extent of the net price, and the shortfall remains enforceable; a travel ban properly issued under its conditions is lawful. The debtor can examine the regularity of the sale, notice and valuation, challenge the costs deducted, and review how the balance and penalties were calculated. The ban can be lifted by payment, deposit or acceptable security, or challenged if its conditions were not met. A negotiated final settlement at a reduced figure in exchange for immediate lifting of the ban is often the most practical solution.

Quick Comparison of Finance Structures on Default

• Owner during the term: murabaha: the customer, with a pledge to the financier. Ijara ending in ownership: the financier. Retention-of-title sale: the seller until the last instalment.
• Nature of the financier's right on default: murabaha: a secured debt enforceable against the car. Ijara: termination, recovery of the asset and accrued rent. Retention of title: rescission and recovery, or a claim for the price.
• Repossession without judgment or instrument? In all three: no, except by free voluntary surrender or under an enforceable instrument through the Execution Department.
• Instalments already paid on recovery: murabaha: credited to the debt, with the car sold to pay the rest. Ijara and retention of title: the courts balance compensation for use against unjust enrichment.
• Auction shortfall: the debtor remains liable for any deficit and is entitled to any surplus, where the car is sold to satisfy the debt.
• Selling to a third party without consent: murabaha: disposal of pledged property, not effective against the pledgee. Ijara and retention of title: disposal of another's property, with possible criminal liability.
• Regulatory complaint route: supervised banks and finance companies: the Central Bank of Kuwait. Unsupervised dealerships and deferred-sale firms: the Ministry of Commerce and Industry (consumer protection). In all cases: the courts.

Frequently Asked Questions

I missed one instalment. Can they take the car?

No. A single missed instalment does not justify repossession and does not usually accelerate the balance unless the contract expressly says so. Even after acceleration, recovery or attachment must follow legal process.

The agent says the contract allows repossession. Is that right?

A contract clause does not make the financier an enforcement authority. Compulsory enforcement requires an enforceable instrument through the Execution Department. Without one, you are not obliged to hand over the car, though you should avoid any confrontation.

I surrendered the car voluntarily. Is the debt over?

Not necessarily. Voluntary surrender only ends the debt if it is agreed in writing as a full and final settlement. Otherwise the car is sold, the price is credited, and you remain liable for the shortfall. Make sure the handover document states its effect on the balance.

My car was auctioned far below its value. Is there a remedy?

The regularity of the notice, valuation and bidding can be examined, and deducted costs can be challenged. Usually, though, the better course is to negotiate a consensual sale at market price before any auction.

Will I be banned from travelling automatically?

No. A travel ban requires a creditor's application and a decision by the competent authority under legal conditions. Prolonged arrears combined with a judgment or enforceable instrument do, however, make it a real possibility.

Can the bank deduct overdue instalments directly from my account?

That depends on any deduction mandate or set-off right you signed in the account or finance contract, and on Central Bank instructions. Any deduction contrary to the contract or instructions can be the subject of a complaint.

The fees and penalties have doubled. Can I object?

Yes. Ask for a detailed statement, dispute every charge without a basis in the contract or approved tariff, and ask the court to reduce an excessive penalty clause. If the financier is Central Bank-supervised, file a regulatory complaint.

Is the financier obliged to reschedule?

There is no general obligation to reschedule, save where exceptional instructions or decisions provide otherwise. Most financiers accept reasonable proposals because they are more effective than litigation, so submit a written, reasoned request with supporting documents.

I passed the car to someone else by assignment and they stopped paying. Who is liable?

You are, because the contract is between you and the financier. You may face additional liability if the car was not yours to transfer (ijara or retention of title). Settle with the financier promptly and pursue the buyer through the courts.

The borrower died. Will the car be taken from the heirs?

First check whether the finance carried life cover; many contracts include it and it pays off the balance. If not, the debt attaches to the estate rather than to the heirs personally, and is recovered from estate assets, including the car, through legal process.

Can the financier contact my employer or relatives?

The financier may pursue its claim by lawful means, but shaming, abuse or disclosing your debts to unconcerned persons breaches banking confidentiality and collection rules, can ground a regulatory complaint, and may give rise to liability depending on the facts.

Will the arrears affect my future borrowing?

Yes. Arrears are recorded in your credit history with the credit information company and affect later finance decisions. Settlement and an updated record after payment reduce the impact.

Conclusion

Falling behind on car instalments is a financial problem before it is a legal one, but how it is handled determines the size of the loss. Those who ignore notices often find themselves months later facing a judgment, an auction, a travel ban and a remaining debt larger than they expected. Those who act early, negotiate and know their rights can usually keep the car or exit the finance at the lowest possible cost.

The key rule for every customer is this: the finance company has rights, but it is not an enforcement authority. It may demand payment, sue and enforce through the courts. It may not take the car by force or deception, impose charges that were never agreed, or abuse or shame the customer. In return, the customer must not deal with the car in a way that harms the financier's rights, and must act in good faith.

Understanding the contract type is the key: murabaha is not ijara, and ijara is not a retention-of-title sale. Each produces different outcomes on ownership, recovery and instalments already paid, which is why an early review of the contract with a lawyer can reveal defences or settlement opportunities that a non-specialist would miss.

Legal Notice

This article provides general legal information and is not legal advice. Outcomes depend on the contract type and terms, the financier and the facts of each case. Central Bank instructions and enforcement rules are amended from time to time, so the texts in force at the time of any dispute must be checked.

If you are behind on your car instalments, have been threatened with repossession, have had your car attached or sold, or face a travel ban, the team at Yumnaak Law Firm can review your contract and statement, assess your legal position, and represent you in settlement negotiations or before the courts and the Execution Department. You can book a consultation or contact us.