R.I.P Martin.

R.I.P Martin

I'm on the low rate.

Hi, what was the out come, did you both have to go for a esa medical and if you have what was the outcome. I ask because I too am on dla indefinate and am worried what going to happen when I get one of these forms.

Spoke to solicitor today and he said that they probaly could take the van back as it was a private sale but as Lombard are not threatening to take it back just to leave it the now and phone up the guy l bought it from and see whats he is doing about it.

junior

Dx,

thank you for that information.

It should be the feckers that sell these financed vehicles onto innocent buyers that should really get the stress and hassle not us.

I will try and speak to my solicitor tomorrow to see if he can get any info from Lombard, it may end up with me having to go see the previous owner to try and sort this out.

junior

I think l will phone my solicitor tomorrow to maybe get this sorry mess sorted out it is really starting to do my head in.

junior

Again thank everyone for their replies but l feel that some of the advice is conflicting as one says Lombard can do nothing in Scotland and another saying see a solicitor.

junior

Problem is l dont have a receipt he didnt give me one, the only thing that might help me is that the van was advertised in paper with an asking price on it which is alomst double what he told Lombard he got for it.

I'm just wary that Lombard are going to try and recover the van, when they wont give me any information on it.

junior

Well spoke to Lombard today, still wouldnt give out how much was left to pay on it but did say that the previous owner had called them this morning saying that he had sold van to me but he said he had sold it for a lot cheaper than he actually did.

Can anyone confirm that Lombard would be getting a percentage of the final sale price, and by him giving them a lower sale price would actually be trying to save himself money.

As you can tell l dont have any knowledge of this sort of stuff, l have never had any sort of finance deals.

Again thanks for all replies

junior

Yes previous owner stays in Scotland aswell.

l will phone back Lombard today to try and get more information from them, hopefully will speak to someone different that will provide info.

thanks for all the advice really appreciate it.

junior

I thought in Scotland the finance company couldnt do anything.

junior

Hi junior. you are going off base. what deal lambard and the last owner did will not help you at all.

 

all you need is a letter from lambard with amount outstanding. so as you can give a copy to the last owner (they say it has no finance) but you need to know what lambards intentions are.

Hi CCTV

l tried asking them today what the outstanding balance on the van was but they wouldnt say, what they did say after a bit of thought was that they were legally entitled to reposses the van which to my mind it doesnt sound like its been paid up. But when l phone previous owner the wife said they had paid it off.

Confused

junior

Would lombard have an intrest in the price the van was sold for and would they be getting a percentage of that sale?

junior

Spoke with Lombard today and they said that they could take the van back.

Lombard wanted to know how much l paid for the van after l gave them the previous owners details, they also gave me the previous owners telephone number which l didnt have but they seemed alright after l gave them price l paid for van.

l phoned the previous owner and got his wife who was apoligetic and tried to assure me that there wasnt any finance on the van and that Lombard just needed to confirm selling price of the van as they were getting a percentage of the selling price.

Does really make a great deal of sense to me as l dont know how these finance companies work.

Does this lot make sense at all?

junior

To be honest that bit reading is totally alien to me didnt understand a lot of it.

What will be my position if any of the finance agreement was done outside Scotland? What if the van came from outside Scotland lkie a garage in England?

I'm bricking it now cause l thought l was ok being in Scotland. I wouldnt have thought there would be much finance left on it after 6 years but l could be wrong.

junior

No l didnt do hpi check. No l havent spoken to him yet(feel like killing him) but no doubt l will in near future. Was going to be speaking to lombard tomorrow to see what they will tell me as l just got letter yesterday. Was feeling alright about it but not so sure now. What can l do to help get out of this mess, is it right i'm ok in Scotland or am l in the brown stuff?

thanks for all the replies

junior

I have just spoken to my brother who was with me when l bought the van and he said the guy told him that it was his own van and he was some sort of sub contractor for parcelforce. He didnt remove the signwriting. He had just bought a new van and it was going away to get the signage done on it.

How will this affect me in the future if and when l come to sell it?

junior

Yes l do, and l can asure you there was signwriting on the van when l got it. Could it be he was a contract worker or something, l dont know. To be honest i'm not really concerned about the parcelforce its the finance company that bothers me.

junior

Lombard was who l got the letter from and it was a private seller l bought it from who said he worked for parcelforce, the van had all the signwriting on it. Id rather not disclose how much l paid for it but it was around about market value.

junior

Sorry parcel force 04 with 140,000

Yes letter was posted to me at my address in Scotland where l live. l had no idea the van had finance on it as l had never seen the van before l had seen it advertised in the local paper.

Getting that letter had got me worried that the van was going to get repossessed from me as l had done quiet alot of work on it.

junior

What should l do regarding the letter the finance company sent me?

junior

l bought a van about 6 months ago that was advertised in our local paper and when l went to see l noticed it was ex royal mail, anyway l bought the van. Now 6 month on l received a letter from a finance company telling me the van has finance on it and they may still have an interest in it.

How do l stand with regards to this as l paid cash for the van and didnt know it still had finance on it, l stay in Scotland.

Any help would be gratefull

junior

Hi

have you got anywhere with this nightmare. We have it on our television and by reading this thread it is giving me doubts about having it if they arent going to pay out on accidents, which is one of the reasons we got it what with having kids.

junior