Sale Of Goods Act (buying A Vehicle) - Your Rights

[JonCris]

I still don't understand. You can't have 2 loans on the same car even if they are from the same company. When the original loan application was found to be to low it should have been cancelled & a replacement application made for more money.

I suspect that is where the problem might lay. P&C would not be expecting to collect twice from the same account for the same car. They will have lodged only 1 DD on the account & have collected against that alone which is probably why the arrears on the other loan occurred.

Have you tried phoning them to explain & even if you get through they are going to want to sort it by I suspect, at the very least increasing your monthly payments quite significantly.

Also I'm surprised you didn't get a default notice long before it got this far because as expensive as their finance is they are usually very good at sending them out the moment you default

[webbscatering]

Hi Joncris, I must admit you do burn the midnight oil a bit but thanks for your reply, either way there is two loans on the car, The advice I require is to do with my complaint with this heap of crap BMW that has caused me a headache since I had it also P & C and these bottom feeding debt collectors. The car according to the Trading Standards will owe me around 2k which includes compensation and cost of repairs so I am not going to give it back that easily because a bottom feeder collector says so, Unless he is a bailiff with a proper warrant. I am completely covered by the SOGA and I basically want the car to go back with no financial penalties to me. They must know there is two loans on the car because they set it up I find it hard to believe they are overlooking it, and yes there is a default notice, but I will soon issue a Subject Access Request and persue a route to get it removed along with my charges,

Cheers Webbscatering

[hello5555]

Hi Simon

Could you please email me a copy of that letter, I am having an engine oil leak issue on my Nissan Primera that I bought in Sep, 07.

Thanks....

[webbscatering]

Originally Posted by hello5555

Hi Simon

Could you please email me a copy of that letter, I am having an engine oil leak issue on my Nissan Primera that I bought in Sep, 07.

Thanks....

Hi There, the letter is in this thread I think on page two Simon no longer uses this thread

[dcdkpug]

hi if youu or anybody reading this please forward a template lettter id love to use one nd wouls save my chap some time than typing one out many thanks

[Bookworm]

To avoid more people posting one message asking for a template which is unlikely to materialise, I am going to close this thread.

Folks, there is no magic letter, but there is plenty of help available all over the forum. If you start your own thread explaining your circumstances in the relevant forum, we will assist where and when we can.