Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
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I am confused with an agreement I wish to VT on . It is with Black horse for a car and is called a fixed Loan agreement. My query is ,is this a Conditional sale agreement , HP or a personal Loan.
The car is listed as goods on the agreement. The key information on the agreement states you have no rights under the consumer credit act to cancel but it lists 3 amounts a third ,half and three quarters if i wish to excercise my right to settle. Also in the terms and conditions under sale of goods it states that if I sell etc I must gain permission to do so and pay off outstanding balance immediately ,but no where does it list a termination figure.
your help to clarify this would be much appreciated from what I have discovered whilst search is an excellent site. Keep up the good work.
i too am confused as to whether i have a loan agreement or HP agreement with Black horse - can anyone confirm if they have a HP agreement does it clearly say HP agreement on their contract or as mines says at the top FIXED - LOAN agreement.
I just wanna sell mine for a bigger car but obviously stuck as to whether allowed to or not.
oh i will in the morning .. just wondering if anyone else has come across this before - as i was led to believe it was a HP agreement until i got the details out just now..
Is it a Personal loan or HP.
under sale of goods it states that if I sell etc I must gain permission to do so and pay off outstanding balance immediately ,but no where does it list a termination figure.
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