Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE
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  1. 11th January 2009 19:41 #1
    maxnemo maxnemo is offline
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    Red face stuck in a black horse agreement

    Ive got a car under a black horse agreement and wounderd if any1 new if there was a way out? i can afford it its just my car is not practical because im now pregnant. help any1...??????

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  2. 11th January 2009 19:56 #2
    flyingdoc flyingdoc is offline
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    Default Re: stuck in a black horse agreement

    Im sorry that your circumstances have changed and that you find that you have a different need. Having said that just trying to wriggle out of an agreement simply because you have become pregnant, especially when you freely admit that you can afford the agreement IMHO is not the reason that this forum was set up in the first place.

    If you have paid more than a third of the agreement I think you may be able to do a voluntary termination (although I stand to be corrected on this point) you give the car back and owe nothing more.

    That may depend on the agreement. and I await thers opionionss

    Opinions are offered in good faith based upon personal experience and research. Before making any irreversible decisions the opinion of a qualified, registered and insured legal professional should be sought.

    If my advice or information has assisted you in any way - please click my scales.

    thanks

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  3. 21st January 2009 15:44 #3
    cosalt cosalt is offline
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    Default Re: stuck in a black horse agreement

    Hi, you need to have paid 50% or more of the total amount payable, including any advance payment.

    Be careful with black horse, they have a habit of signing people up on Fixed - Sum Loan Agreements, rather than HP, these agreements have no VT rights. Although technically you do own the car from day 1. I am currently looking into this with a Fixed Sum agreement I have.

    Cosalt

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  4. 21st January 2009 16:58 #4
    Surfer01 Surfer01 is offline
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    Default Re: stuck in a black horse agreement

    Quote Originally Posted by cosalt View Post
    Hi, you need to have paid 50% or more of the total amount payable, including any advance payment.

    Be careful with black horse, they have a habit of signing people up on Fixed - Sum Loan Agreements, rather than HP, these agreements have no VT rights. Although technically you do own the car from day 1. I am currently looking into this with a Fixed Sum agreement I have.

    Cosalt
    We got caught on this with Toyota Finance as I thought I was signing an HP agreement as normally second hand high value cars are sold on HP i.e. £9000. We would be interesticon in any info as I have been made redundanticon and at the moment are on a reduced payment.
    We can't sell the car to pay off the debt without a substantial loss due to Mr Darling proposing to hiking up the road tax by nearly £90 which then caused the car to depreciate faster than normal.

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE