Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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)


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  1. #1
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    Default bought a car HPI clear now finance company want car back

    I bouight a car from a private add in autotrader .
    I carried out an RAC hpi check and there were no issues.
    now a finance company (credit plus) claim its theirs and are taking me to court.


  2. #2

    Default Re: bought a car HPI clear now finance company want car back

    can you provide as much info as you can please.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


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  3. #3
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    i saw the car advertised in autotrader
    i made arrangements to view,the day

    i went to view i spent £20 on an RAC hpi check and it was all clear.
    I also tapped the reg plate in to we buy any car just to confirm i was paying the correct price.

    I liked the car and wit drew the cash from the bank that day to give to seller.
    credit plus gave the rogue seller finance on the vehicle of which he didnt pay any of the repayments and sold it to me afterwards.

    the finance was taken out 1 month before i bought it and it was declared stolen 2 moths later by credit plus.

    i am refusing to give car to them as i bought in good faith with an HPI check for my own protection. i have a court date january 2019.

    they are waiving hudson v shogun finance under my nose but im not convinced its the same type of case


  4. #4

    Default Re: bought a car HPI clear now finance company want car back

    can we see the claimformicon please minus pers details
    also the defence you filed and both witness statements please

    ENSURE you redact things properly
    one multipage PDFicon is quite OK

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  5. #5

    Default Re: bought a car HPI clear now finance company want car back

    Have you been in touch with rac?
    As far as I remember they offer a guarantee on their hpi which would cover cases such as this.


  6. #6

    Default Re: bought a car HPI clear now finance company want car back

    See this about what an hip check reveals:


    https://www.rac.co.uk/buying-a-car/r...i-check#reveal

    And these are the terms and conditions which cover you up to £30k:

    https://vehicle-history-check.rac.co...data-guarantee


  7. #7
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    Default Re: bought a car HPI clear now finance company want car back

    It is only considered 'best practice' to list cars with finance outstanding on an HPI/Experian check. There is nothing to make finance companies declare an interest in a vehicle. I know this as i was in a very similar situation and ended up paying for the car again.

    This was 2 years after we purchased the car. The dealer had a finance agreement on the vehicle and then went bust. At the time of purchase the vehicle was 'clear' on the Experian check. I think the 'insurance' against the information will not help.

    The finance company own the car and will win in court.


  8. #8
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    Default Re: bought a car HPI clear now finance company want car back

    The issue that appears to work against you here is the fact that the vehicle was fraudulently sold so soon after the finance had been taken out, with no payments being made. This would indicate that there was an intention to commit this crime from the start (i.e. use the finance as a means to steal the vehicle). This takes the matter into different waters than if the vehicle was being sold further into the life of a hpicon agreement.

    Normally, providing you could demonstrate that you were clearly acting in good faith, you would be able to claim the rights of an innocent purchaser under s27 of the hire purchaseicon Act 1964 however in this case the actions of the seller would suggest that good title to the (stolen) goods is unlikely to have passed to you.

    The HPI check is a sideshow because it does not make any difference legally to either the buyer or the lender.

    My only suggestion is to present your case as best you can in court and see what they decide.


  9. #9

    Default Re: bought a car HPI clear now finance company want car back

    I don't think the last post makes any sense.
    The op didn't take finance out, he is the innocent purchaser.
    In fact he even diligently paid to check any outstanding finance on the car.
    The finance company under the legislation mentioned, should go after the seller who fraudulently sold the vehicle soon after having obtained finance on it.
    My money is on the op winning his car.
    Anyhow, have you tried to claim through rac insurance?


  10. #10
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    Default Re: bought a car HPI clear now finance company want car back

    Quote Originally Posted by king12345 View Post
    I don't think the last post makes any sense.
    The op didn't take finance out, he is the innocent purchaser.
    In fact he even diligently paid to check any outstanding finance on the car.
    The finance company under the legislation mentioned, should go after the seller who fraudulently sold the vehicle soon after having obtained finance on it.
    My money is on the op winning his car.
    Anyhow, have you tried to claim through rac insurance?
    Not sure what doesn't make any sense about my post? I never said the OP took finance out, I was talking about the finance that the person (the fraudster) took out immediately prior to selling the vehicle to the OP. Assuming that finance agreement was indeed a fraudulent one then the decision in Hudson v Shogun Finance may well bind the court in this case.


  11. #11

    Default Re: bought a car HPI clear now finance company want car back

    If the vehicle is still on finance, the company will go after the car. Then the person who took it out. If the OP has the car and cant pay the finance off himself, then they can and will take it. Then go after the original owner for the shortfall.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


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  12. #12

    Default Re: bought a car HPI clear now finance company want car back

    the op has not ever returned...

    8th November 2018 00:43

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  13. #13
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    Quote Originally Posted by doolan1972 View Post
    I bouight a car from a private add in autotrader .
    I carried out an RAC hpi check and there were no issues.
    now a finance company (credit plus) claim its theirs and are taking me to court.
    The RAC are not interested in the £30k guarantee as they are insisting when i did the HPI check there was nothing showing as far as finance is concerned.
    sorry for late reply have been on holiday.

    Rac not interested as they say there was no finance on the car when the check was done.

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  14. #14

    Default Re: bought a car HPI clear now finance company want car back

    That's incorrect because the finance had already been taken out a month before if I recollect rightly.
    I would insist on RAC to make good, even threatening court and at the same time defend against the finance company as you bought the car clearly not knowing about the finance.
    The legislation is quite clear and the must prove that you knew about the finance to take your car.


  15. #15
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    Default Re: bought a car HPI clear now finance company want car back

    The small print only covers £1000 in cash. I drew the money out of the bank on that day after viewing car as the rogue wanted cash,should of smelt a rat then but i didnt as felt ok with RAC report that i had done.
    Quote Originally Posted by king12345 View Post
    That's incorrect because the finance had already been taken out a month before if I recollect rightly.
    I would insist on RAC to make good, even threatening court and at the same time defend against the finance company as you bought the car clearly not knowing about the finance.
    The legislation is quite clear and the must prove that you knew about the finance to take your car.



  16. #16
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    Default Re: bought a car HPI clear now finance company want car back

    looking through the court forms the claimant has submitted an HPI report clearly showing their interest in the car but it is dated 1 year after the event!


  17. #17

    Default Re: bought a car HPI clear now finance company want car back

    Own goal for the finance company?


  18. #18

    Default Re: bought a car HPI clear now finance company want car back

    You need to redact the documents because they're showing your name address and registration number


  19. #19

    Default Re: bought a car HPI clear now finance company want car back

    Thread flagged to remove uploads

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


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  20. #20

    Default Re: bought a car HPI clear now finance company want car back

    done
    one multipage PDFicon ONLY PLEASE
    read uploadicon

    dx

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
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