Can a bailiff take my car with a logbook loan secured on it?

When you take a loan secured on your car, you are selling the car to the lender who gives you a bill of sale and a contract giving you use use of the car for as long as you make the agreed re-payments.^[1]

The bailiff may only take control of the goods that belong to the debtor.^[2]

If bailiffs take and sell a car with a logbook loan secured on it, the lender prefers not to make a third-party claim to controlled goods,^[3][4] due to the high cost of bringing the claim and lodging the required payments into court.^[5][6]

Instead, logbook lenders prefer to locate the vehicle when someone applies to the DVLA for a V5 keeper document, then send a repo man round to the new keepers address and recover the vehicle.

Logbooks lenders do not need to apply to a court for a warrant of control because the vehicle is already theirs to take.

A warrant of possession is not required because they only apply to taking possession of land, evictions.

^{[1] See Wikipedia Logbook Loan

[2] Paragraph 10 of Schedule 12 of the Tribunals, Courts and Enforcement Act 2007

[3] Civil Procedure Rule 85.4

[4] See Making a third-party claim to controlled goods.

[5] Paragraph 60(4) of Schedule 12 of the Tribunals Courts and Enforcement Act 2007

[6] Regulation 49 of the Taking Control of Goods Regulations 2013

[7] See Making a third-party claim to controlled goods - required payments}