Ford Credit

[hulldj]

Hi All,

i'm new to all this so please bear with me,

I purchased a card on credit back in 1999 from my ford dealer and funded through ford credit.
around 6 months after i bought the car, my situation changed and i coudln't afford/didn't require the vehicle... i returned the car to the garage who said they would buy the car back.. clear the finance on it and set up a payment arrangement for the diffenrece between the balances.

Since this time my situation got worse and i ended up defaulting on the payment arrangement made with Ford Credit to pay the £3600 balance. the debt was handed to Blair Oliver and Scott Debt collectors, who sent me several lovely letters warning of court action... none every came... the debt then transferred to Allied International Credit who sent letters warning of their people intending to visit to reclaim the cash. again nobody turned up! during all of this not once was anything recorded against me with the Credit Agencys. i have since completed a payment arrangement with Ford Credit and paid the balance due.

Once the balance had been paid, i received a letter from Ford Credit thanking me for the payments and stating that the title deed of the vehicle <reg no> has now been passed to myself.

This is where my confusion starts, as the garage says they HPI cleared the vehicle in 2000 when they took it back... and promptly sold the vehicle!

Does anyone know legally where i stand with this letter..... should i still have the vehicle? or not have paid the debt? as i have said debt companies have threatened action on several occasions but never followed through.... and Ford Credit have never recorded anything against me with the credit agencys!

sorry it's so long winded! hope someone can help!

[Bookworm]

Sorry you have had no reply here, but I think maybe you'll do better if I move your thread to the Debt forum.

[hulldj]

Thanks bookworm, i've had 1 PM reply telling me to try advice on another forum to do with saying no to other car credit companies..... have posted on their as well... fingers crossed!