Huskerdu is on the money here.
I just have one caveat:
the link says
Only the Gardai can take legal action against illegal moneylenders, but the National Consumer Agency can give the customer advice on whether the moneylender is trading illegally and how to proceed with your complaint.
Lets just say that I know of one young mother who is finding it difficult to cope in the present climate and last week he showed up at her door and said that if he did not get his money he would have to repossess the car.
He does not sell to strangers in this way only to people he knows live in the town ..........
The young mother here cannot afford the car so she should get rid of it.
There is a reluctance nowadays for people to face reality and live within their means. They get used to a certain standard of living and cannot cope with changing circumstances.