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. #1
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    Wilba Novitiate

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    Default Car Finance - New Financer - wrong details

    I am three years into a five year repayment for my car. I took the Finance offered from the FIAT dealership on a new car and everything has been fine, payments made etc - no problems. Earlier this year the Finance company changed from Fiat Finance to another company which I have since found out is owned by GE Financial Services.

    Now this maybe just a company name change and the finance may have always been coming from GE, I don't know other than before hand all paperwork was plastered with the word FIAT. Last month I had a bit of a blip with my bank and my Direct Debits did not get paid (Bank's fault - I had asked £100 to be transferred to another account they transferred £1000 !) Bank has agreed to pay any charges which turned out to be only from GE (£26 for late payment - 3 days).

    Anyway while in conversation with GE and paying the late fee I made an interesting discovery, confirmed with paperwork received at my request from GE. The car registration number is incorrect.

    I have checked my original paperwork and my original agreement and it is correct on all those documents but GE have definitely got the wrong car reg.

    Anybody got any idea where this leaves me? Is the 'new' company agreement legal? Should I stir things up or leave well alone ?

    Any ideas / advice would be welcome.


  2. #2
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    old_andrew2007 Highly informative old_andrew2007 Highly informative old_andrew2007 Highly informative old_andrew2007 Highly informative old_andrew2007 Highly informative old_andrew2007 Highly informative

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    Default Re: Car Finance - New Financer - wrong details

    BUMPING your thread

    Advice is based on my personal opinion, and what I have learnt from this forum.
    If you need legal advice please consider consulting a lawyer.


  3. #3
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    Default Re: Car Finance - New Financer - wrong details

    I see where you're coming from...but I don't think it is fundamental enough to void or even go so far as to frustrate the contract at all, possibly an administration error. If anything, it would be a mistake, error or omission which disadvantages a party which would be called into question..

    But in this, I would vote no, it does void the agreement or invalidate it.

    In addition, it is the responsibility for the debt which is sold on, bound by the terms and conditionsicon of the original agreement. Therefore, you have in effect agreed to these terms and conditionsicon and advised you were happy to pay a amount on the b day of the month for c years - this does not change, even though there was an error in transferring the registration details.

    Lived through bankruptcy to tell the tale! Worked in various industries and studied law at university. All advice is given in good faith only


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