hi everyone posted this in wrong place last time so i'll start again, can anyone advise me on this i bought a car from acf in 2008 and the funding came from..... wait for it ....... the funding corporation, what i'd like to no is i was told it was a hpi agreement looking at it now it just looks like a standard credit (loan agreement ) it dosnt say anything about hpi on it at all are they the same thing ? on my credit file it states loan not hpi my last car i had waas recorded as hpi so is it just a loan then ?? so being uneasy i had my friend do me a hpi check ( who works at a garage ) that came back as the car being on hpi so can they do this is it legal to record it being on finance when the agreement is not a hpi agreement or are both agreements the same im totally baffled :???: thanks for reading any input is welcome

hi everyone well i bought a car from acf in 2008 and the funding for it came from the funding corporation, what i'd like to no is i was told it was a hpi agreement, looking at it all it states is a normal credit (loan agreement) dunt say hpi anywhere ?? on my credit file it states standard loan agreement?? my last car on finance was recorded as being hpi so i had a hpi check done and it comes back as being on hpi ? confused can they do this ?:confused: i also have the dreaded bos attached to all this aswell in the agreement but dont have a copy of this and never have ! if anyone can shed some light on it for me i would be very grateful

hi guys just to let u no im sending my credit agreement to stevensons sol's to take a look at see wot they think of it !!!

hi jonchris thankyou for the welcome:-) i really dont if the bill of sale has been registered ? the thing that confuses me is if the bill of sale is void do's that mean the hole agreement is null n void ? am totally clueless on this sort of subject so excuse me if i seem a little thick lol

hello everyone im new here ive been reading all your posts for hours, i am currently with tfc i bought my car from acf march 2008 i was told when the fella came back from the office upstairs that i couldnt have the car unless i took mechanical break down and gap needless to say i took them as i need a car. i couldnt make a payment a few months ago so i rang them up and they put the missed payment on the end of the aggrement so i thought far enough anyway me and my chap r struggling money wise now as is everyone else we cant make the payment this month or any month for that matter !! with me reading all the post i got my paper work out law and behold my aggrement says ( all sums payable under this agreement will be secured against vauxhall vectra by way of bill of sale ?? looking closeer it dont say its a hpi agreement anywhere ? plus looking even further i will be paying back a total of ............ tada 18,226.80 omg..... for a bloody car thats worth maybe 2000 grand now if im lucky !! so my question is now i cant pay what do i expect ? how soon will the tfc be hounding me and what actions do i take ??? do i give them the car ??? good luck to everyone with there disputes i too will have one of my very own soon :(