Case closed After her constantly telling me they have no financial interest and the the HP flag would NOT be removed, I started quoting the Data Protection Act and that they had used my data without prior consent as it wasn't in the agreement. I also stated I would be proceeding to take a Court Order out for them to remove the marker as there was no legal statue for them to relate too. She kindly said, 'The HP marker will be removed within 72 hours and I'll send a fax to the garage stating this' She also questioned my ability to keep up with them payments, I said 'At 20 years of age, I'm not going to default on a payment, making it harder for me to secure credit in the future' A long a drawn out battle.....knew I should have trained to be a lawyer Thanks for the help gentlemen! Very kind

Right, have all the relevant numbers ready to call tomorrow to make sure I'm doing everything right, stating the laws mentioned above. I hope to get this sorted on the phone, shall I start by asking them to remove it, if they say no, continue onto all the acts that are in my favour?

Thanks guys Anything else I can quote to get them to do it over the phone? I don't want this dragging out if I can help it.

Agreement says fixed lump sum at the top. Nothing in the terms regarding the flag but they will not budge on it saying it won't be removed until its paid, am I right in saying they have breached contract with unfair actiond?

Hi guys, I've seen a few threads regarding this issue. I have a fixed sum loan agreement with Creation Finance, from my understanding this is an unsecured loan against ME and NOT the car, but they have placed a HPI flag. I want to trade the car in for another one, no monies involved pretty much a straight swap. Creation say they WON'T remove the flag but will send a fax to the garage saying they have no financial interest, but I need them to remove it completely. People have managed it with Black Horse but Creation won't budge, I'm wondering what legal terms I can use to get them to remove as it's against the law, there is no mention of HP or that they will place the flag on my car in my agreement so they have breached their contract as far as I'm concerned. Everything is set up with the new garage for the new car, have also been told by 3 customer services reps that it just gets 'removed' but the areas department won't do it. Advice please?