Cygnet claim the BoS is valid and as such sent a firm to seize the car - despite my written complaint to Cygnet stating the BoS was void. I have applied to the court now to void the BoS - the court staff verbally stated it was out of day. The Bos was made on the 3rd June and stamped on the 11th. We will keep you posted.

Hi Assuming my friend's Bill of Sale with Cygnet is void, how do I make it "void"? Is there a form to complete? Can it be done on line? Do we need a lawyer? Many thanks in advance.

Just to recap. I have the customer copy of thecredit agreement here. It has my friend's signature as the debtor. This is an original - I can tell the signature is in "biro" and is not a photocopy. There is no "Signature on behalf of Cygnet Financial Services Ltd" - it is totally blank. The customer copy of the BoS has my friend's signature and also the salesman's signature. The salesman name and signature is in the witness box. I also have a copy the Cygnet Financial Services copy of the credit agreement. This shows my friend's signature dated 3 June 2008 (photocopy) and also the signature of Cygnet dated 5th June 2008. It all seems very confusing to me, and I apologise if I did not make this clear enough. In terms of the seven day rule, the BoS is dated 3 JUne 2008, the solicitor stamped and dated it on the 4th and the court stamp is the 11th June. Thank you.

Disregard - incorrect information given by myself.

Hi Sorry I may have provided some incorrect info. The copy of the Bill of Sale is signed by my friend and the salesman - initials BC. The bill of sale is dated 3 June 2008. On the back of this copy, is the hand written wording "This agreement is between (my friend's name) and Cygnet Financial Services Ltd. Cygnet Financial Services I certify this to be a true copy of the original Date 05 06 08 Signature Finance Administrator (This is a difference name to the samesman) The credit agreement is signed by only my friend - there are no other signatures on it. This is the "customer copy" - dated 3rd June. The credit agreement, marked as Cygnet Financial Services copy is signed by my friend and a person from Cygnet Financial Services, dated 5th June. What is a photo bucket.

Hi I have a third party authority to act on behalf of my friend and from my conversations with Cygnet, I believe this to be a fixed term thing rather than HP. I will ask them again though. If I re scan the document, how do I ensure the document remains at a readable size? It seemed to shrink before. Edit - The Bill of Sale is dated 3rd June. Bottom left - "Signed as a DEED by the said in the presence of (name of my friend) Witnes signature Witness name Witness description Witness adress To the right - my friend's signature Over the page, dated 5th June, is a handwritten note "This agreement is between (my friend's name) and Cygnet Financial Services Ltd. Cygnet Financial Services I certify this to be a true copy of the original Date 05 06 08 Signature Finance Administrator I cannot open the link above.

Yes Cygnet based at Chester.

PS - The Salesman worked for ACF Finance, the Finance provided by Cygnet, so he technically does not work for the finance firm, although both firms have the same registered office.

The BoS was witnessed by the car salesman. My friend also signed it. The credit agreement was signed by my friend and the same salesman. DISREGARD THIS POST - I HAVE PROVIDED INCORRECT INFORMATION

Sorry! This is the update. The car was not seized last week as it was agreed I could have a week to check the Bill of Sale. I do not have the court copy of the Bill of Sale yet, but requested this last Thursday to the Royal Court - sent by guaranteed delivery. I am advised though.... 1) Date of Bill - 3rd June 2) Date of affidavit - 4th June 3) Court stamp - 11th June. The finance firm were writing to my friend last week and were sending by recorded delivery but to date, nothing received. Bottom line question then, and in summary, is the BoS void or valid? Thanks

Hi Further to my previous posts, I have more information now. Bill of Sale dated - 3 June 2008 Affidavit signed 4th June Court stamp - 11th June. Is it valid or void. Cheers

Hi My friend has a car on a deal with ACF Finance and is unable to repay the loan. The Bill of Sale is dated third June 2008. What date would it have to be registered at the court for the Bill of Sale to be enforceable? Also, I am led to understand it was registered on the 16th June - so is this too late? If so, how do I tell the court that the Bill was not registered in time? Thank you

Apologies for the size of the scan, how do I make it full size?

Hi A friend is really struggling with a car loan and cannot pay it. He should have paid three weeks ago but due to unemployment cannot afford to pay. Despite the fact the payment is only three weeks late, the finance firm advise they will seize the vehicle this week. 1) Is this a "Bill of Sale" 2) How do we check it is properly registered? 3) The "optional insurance" related to a warranty which may have been mis sold due to the amount of pressure applied at the time by the sales team. Should this optional insurance be part of the loan like this? Any help greatfully received.