I have received the SAR from Black Horse. Amongst the paperwork, there is a fax from the police to Black Horse Finance informing them that the car was being used for hire and was uninsured to do so but there is no evidence of this. The police have confirmed that the vehicle was insured at the time for me & my wife to drive it. I raised this with the police but the officer was reluctant to go into details. I am currently considering reporting this to the IPCC.

I wrote to the Police asking for all the information as to why the vehicle was initially stopped and then seized. The investigating office has responded by telling me that the vehicle was initiall stopped 'Under the powers of The Road Traffic Act 1988' and then seized as the Police Officer was not satisfied that the driver was insured to drive the vehicle. The officer claims that he spoke to me at the time, on my mobile, and I allegedly confirmed to him that the driver was my cousin and i had 'hired' the vehicle to him !! That is a complete lie. I have never spoken to the Police Officer. I know the car was insured, as the driver was issued a HORT1 (producer) and he produced proof of insurance within 7 days. I have written back to the police asking them to double check which number their officer called as i can guarantee it wasn't mine and also what proof they have got that the vehicle was being used for hire seeing as they told Black Horse this which is why Black Horse refused to let the vehicle be released to me. I am now awaiting the outcome I have requested the SAR from Black Horse and am also awating this

Thanks Postggj, I'll send the letter out today and will let you know how i get on.

How do i get the Subject Access Request ? Do i just write them a letter requesting this ?

Thank You Raydetinu, I know that the person who was driving the car when it was taken was definitely insured as he had taken out his own insurance policy on the car. I would never allow for anybody to drive my car without insurance. I have tried contacting the Police regarding this but the officer concerned is never available when i call nor does he return my calls. I have tried looking for a solicitor who specializes in HP agreements locally, but they are asking for £100 per consultation. I am a bit hesitant as i do not want to pay so much money only to be told to contact the police and finance company. Black Horse have contradicted what they haave said in their response. The fraud investigator wrote to me informing that the agreement was terminated as the car had been leased to a hire comaony but when i made a complaint, i received a letter from Black Horse stating that the car had been taken as it was not insured. I know it was insured !. This is so frustrating.

In November 2007, i purchased a vehicle from a motor dealer and the finance was arranged through Black Horse Finance. The car was always kept clean and insured. All the payments were going out on time. In October 2008, a friend of mine had borrowed the car and for some reason was stopped by the police and the car was compounded. I went to collect the vehicle from the compound and was told that Black Horse had refused to release the car to me. I contacted Black Horse and was told the their Fraud Investigator that the vehicle had been taken as there was no insurance on it and I had leased it out to a car hire company. All this was untrue as the car was comprehensively insured and I have never leased it to anybody. Black Horse failed to give me a clear reason and the car was sold. I purchased the car for £14,500 and the total finance package came to £19,000. Black Horse sold the car for £5000. I have made a complaint and they have sent me a statement of my account showing that I still owe £10,000. They claim that the reason my agreement was terminated was because I had broken the Terms & Conditions of the contract. It does say in the contract that if the vehicle is seized by any authority, Black Horse MAY terminate the agreement. The police have never confirmed to me why the car was taken and it was them who had informed Black Horse. Furhter to this, Black Horse are asking me to pay £500 for reposession fees. These fees were for them instructing a collection agent to recover the vehicle. I went to collect the car from the compound the day after it was taken but Black Horse refused to release it hence the car stayed in incurring more daily charges. My complaint is still ongoing but I don't think they are listaning to me. Are they allowed to do this ?? I still maintained my monthly payments after the car was taken but I am now expected to pay £10,000 for a car i do not have. PLEASE PLEASE PLEASE SOMEBODY HELP ME.

In November 2007, i purchased a vehicle from a motor dealer and the finance was arranged through Black Horse Finance. The car was always kept clean and insured. All the payments were going out on time. In October 2008, a friend of mine had borrowed the car and for some reason was stopped by the police and the car was compounded. I went to collect the vehicle from the compound and was told that Black Horse had refused to release the car to me. I contacted Black Horse and was told the their Fraud Investigator that the vehicle had been taken as there was no insurance on it and I had leased it out to a car hire company. All this was untrue as the car was comprehensively insured and I have never leased it to anybody. Black Horse failed to give me a clear reason and the car was sold. I purchased the car for £14,500 and the total finance package came to £19,000. Black Horse sold the car for £5000. I have made a complaint and they have sent me a statement of my account showing that I still owe £10,000. They claim that the reason my agreement was terminated was because I had broken the Terms & Conditions of the contract. It does say in the contract that if the vehicle is seized by any authority, Black Horse MAY terminate the agreement. The police have never confirmed to me why the car was taken and it was them who had informed Black Horse. Furhter to this, Black Horse are asking me to pay £500 for reposession fees. These fees were for them instructing a collection agent to recover the vehicle. I went to collect the car from the compound the day after it was taken but Black Horse refused to release it hence the car stayed in incurring more daily charges. My complaint is still ongoing but I don't think they are listaning to me. Are they allowed to do this ?? I still maintained my monthly payments after the car was taken but I am now expected to pay £10,000 for a car i do not have. PLEASE PLEASE PLEASE SOMEBODY HELP ME.