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  1. Just did an HPI check and it shows outstanding finance... Outstanding finance Recorded against VRM Description MODEL MAKE Date 11/06/2016 Finance house Finance house telephone Agreement reference Agreement type Conditional Sale A Conditional Sale is an agreement where full title of the asset remains the property of the finance company unless certain conditions are met. These are usually when all payments are made, and made on time. There may also be conditions placed covering the insurance and maintenance of the vehicle. If the agreement is not settled, the finance company still owns the vehicle. What I notice is the date shows June 2016? It was June 2015 the agreement... just nit picking but any advice is appreciated.
  2. Yeah I get the HP agreement but my question is the 'sale agreement' page where they 'purchased' the vehicle - obviously it doesn't have any witness etc and says they have all the keys to the vehicle which is already incorrect as I have the only keys - is there any way that can be potentially flawed or disputed which would in turn mean any HP agreement based on a car they claim to 'own' in which case they wouldn't be able to call ownership of it...
  3. Well am I on the right tracks with my idea going forward do you reckon or?
  4. @dx100uk I thought the sale agreement constituted a Bill of Sale as that's essentially the way they advised that they now own the vehicle although it was my son who works in *shudder* collections at a public body who said it is iffy and raised my suspicion - I then read these forums and sent a letter asking the court if any bill of sale was registered and gave them my full address, vehicle information reg etc and they advised no bill of sale existed or on their records etc. So really my question is regarding the 'sale agreement' if it actually is something enforcable or whether I can dispute it essentially, in terms of documents I can get the replacement docs from the DVLA and my son has advised I do so; he also suggested that I could technically sell the vehicle to my wife with a correct bill of sale and register it and that would offer some protection since the original sales agreement could potentially be flawed? Don't know if that makes any sense at all... Cheers for all your help and taking the time to look at this.
  5. The 'Sale Agreement' is all they did for this - those 4 pages are all the documentation used for my contact with them.... There was 2 folks from the company that traveled up here but only 1 signed the sale agreement with me.... Bit confused by it all to be honest. They sent a default notice but then arranged a shorter amount for a month then decided to change their mind and asked for more As for the amount I've paid more than a third, in fact I paid the amount of credit rcd so it's just interest I'm paying just now really.
  6. Hi, Please find attached as PDF. As mentioned I contacted the court as per advice on this forum and they have advised no records... My partner is a bit worried they will try and take the vehicle and claim that the document they have is valid... Is it worth me putting a BOS in for myself and partner even to the court so that I have some documentation and then my partner owns the vehicle or? Thanks! bos.pdf
  7. Nah theres no other signature bar my fathers and one agent of the company in question, in addition checked and they have no record/ registration. If this is the case do I just notify them this is void and then seek a replacement log book from the DVLA or? Whats the best next steps. Thanks
  8. I only redacted their name & address & company reg number where it is listed etc so it isn't identifiable... everything else is as is... I also redacted the car model, type & registration. As I said, I've already called the court of justice on the details given in another thread and since had correspondence from them advising they have nothing on record. Thanks for your help, it is really appreciated. Best.
  9. I thought so too... the whole situation is actually my elderly fathers who got himself into a bit of a mess so I am taking care of it all for him - those 4 pages are all he was given; they don't have any offices in Scotland and visited him at his home to do this... *as dodgy as that sounds to me*
  10. Hi Here's the paperwork I have - redacted personal data and anything thta can be identifiable; any help is much appreciated. Thanks! bos.pdf
  11. Hi, Been reading this forum the past few weeks and has been incredibly useful; here's the story in summary: took out a logbook loan last June with a company in England (I reside in Scotland and they came up to get it signed etc and took the log book). Since then have paid most of it but since have become in dispute as changes at work re-negotiated a slightly lower amount and then they called constantly for the difference; regardless of the new agreed amount etc. Having read this forum, I wrote to Royal Court of Justice and they have advised they have 'It is showing no record for the information you have provided me with' when I provided the car registration, make and my full address & details etc. Where do I stand now moving forward? As I understand that if they have no record of this then it hasn't been registered and the BOS is void technically although the company still have the logbook etc and are making threats now re: repossessing the vehicle etc.... Thanks, Jason
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