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Struggling with debt?

Find out if you are eligible to write off unaffordable debt.

1 Answer

TAD Member

1 week ago

Hi Emanuel
You normally don’t have full legal capacity to contract in England, Wales and Northern Ireland until you are 18, although in Scotland the AGE is 16.
However, that is not to say you cannot enter contracts, as you can, although they may be voidable, which means a court can set them aside, if it feels they were unfair considering your age, level of experience and the nature of the contract.
The problem in your case is you are allowed to drive at the age of 17, which means you need to be able to enter into contracts for car insurance.
Also it may be argued it was a necessity, which the law allows exceptions for in relation to contract. The idea being, despite your age, even people without full legal capacity must be able to enter contracts, to buy for example food. If it is deemed to be a necessity, you can be liable despite your age.
It appears what has happened in your case is you have taken finance out to pay for your car insurance, which means you owe the full amount to the finance company. If they have cancelled it because you have missed a couple of payments
they will have marked you as being in default and called up the full debt.
The best thing to do is give us a call on the number below and we can have a free chat with you and see what is the best way to proceed.

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