yes a logbook loan is different... we need to find out.

yes i thought the knocking and cambelt occured after it went into halfords

OP I thuoght it was just the EML light, as per yourfirst post. According to you the knocking was diagnosed later? I still think halfords have coked this u by putting the cambelt back on a tooth out... very bad news on a diesel!...

OP.. no you did a text check which only shows stolen / written off etc, not finance. If ther website is 'under construction' they sound like a mickey mouse outfit to me so I'd be wary about responding. Its no good saynig yuo are the registered keeper, it says in BIG LETTERS on the V5 that the RK is not necessarily the legal owner. If you bought the car in good faith then you own it and will ultimately get good title to it, period. All I would send them is a copy of the sales receipt shownig that you bought the car from the person that owes the finance together with a covering letter stating that their argument is with him and not you and you would like clear legal title to the car as allowed under the law.

I'm not saying it's not the dealers fault.. but the OP may well have a hard job showing that it was. But it is obviously 2 different probelms with NO report from the op of small end knock or vlave problems prior to its going to halfords for repair. I still think hlfords have put the cambelt back on a tooth or two out.

its a difficult one... the dealer has to prove that the fault ws not there at the time of purchase.. and it obviuosly wasn't as the eML light was not on and it presumably drove satisfactorily. A cambelt doesn't normally 'jump' teeth, I suspect here that Halfords have put the cambelt back on onr totth 'out' and this is what has bent the valve(s). And its not the dealer's fault if halfords are incompetent. The thing is that the eML and the jumped cambelt are definitely 2 separate problems, the EML probably caused by a lambda sensor or similar, the cambelt by halford's incompetence. The dealer in my opinion isn't really liablr here, as it is obviuos that the fault did not exist at the time of purchase. Sorry that it might not be what you want to hear, but I think this could get long and involved.....

If yuo bought the car in good faith then the finnce company are NOT the legal owners, you are: you will get good tite to the car. You can fill in their questionaire if you want to but I'm certain yuo have no legal obligation to do so. I would just send them a copy of the bill of sale together with a covering explanatory letter stating that yuo bought the car in good faith from Mr XXXX of XXX street, glasgow and that their argument is with him as he has committed fraud by selling it and you have done nothing wrong. But relax, you WILL ultimately get good title to the car. Thois phone checks where yuo text the reg etc are rubbish, that's why hPi is £30 and the text ones are £3.. you get what you pay for.

Looks like old sparky for you OP lol.

No you won't get them... up to now you have suffered no loss, no one has said they are goi ng to take your car away. No one asked you to do another hpi check, it was yuor choice to do so. There are no solicitors costs as yet. No one can take yuor car away without a court order otherwise its theft. So I wouldn't get carried away thinking yuo are going to get costs!

also I note that PMF have not put the vehice on the HPI register for finance. Although they are in fact not compelled to do so, if there were any arguments a regsitrar would take a very dim view of this, there really is no excuse, and you can show you did all possible checks,

I don't think there's any 'financial redress' coming you way - after al you have not suffered any loss. As long as yuo bought the car in good faith then you will ultimately get good title to it and the finance company's argument is with the person that sold it to you. Feel free to drop the seller 'in it' as much as you can / wish... because he knew it was on hp - they always know! If the fifnace co are awkward you might need to swear an affidavit or something in front of a solicitor that you bought the car in good faith on such and such a date, etc, and send this together with a copy of the sale receipt to HPI who will eventually remove it from their register... all in all it could go on a while but be patient you will get title.

Apply for a V5, cost about £25. If the seller has no assets then you are stuffed I'm afraid, you cn try to grab his 'stock but he will say they are not owned by him and are sale or return cars owned by others. sorry.........

Relax If you bought the car in good faith from a private buyer then yuo get title to it. End of story. Tell PMF that you did so, you hpi'd it at the time and if they will not give yuo a letter giving you clear titale yuo will sue them. Ignore the questionnaire yuo don't have to answer it: you can howver send them acopy of the purcase invoice when yuo bougt it, and their argument is then with the seller that sold it to you

OP... its your car, you own it, do as you wish, all I'm saying is that if you go in heavy with a soga letter in yuor hand you're more likely to be told where to go, thats all. If the car was £6950 it'd be a totally different ball game.. and I DO understand that that's probalby all you could afford to spend on a car, I'm not having a go at you or anybody. look at it logically... you paid £695 for the car... it probably owed the dealer £500 or so. There are NO CIRCUMSTANCES under which you can get some kind of safety check done following the exhaust repair and then confront him with a £500 bill and expect it to be paid,, it won't happen, he'll either tell you where to go or just give you back your money. Hopefully the exhaust can be welded (most clever welders can work wonders) and all will be ok... I sincerely hope so. No I 've NEVER said let him get away with it.. he's offered to fix it, get him to do so: if he won't ask for your money back, I'm sure you'll get it. BTW you can't illegally be a private seller and pose as a dealer, you can only illegally pose as a private seller when you are in fact a dealer

Ok.... but it may well end in tears! For example how do we know that the OP hasn't driven over a speed hump or something and damaged the exhaust himself? I'm not saynig he has, just saying what the seller might say. If he's offering to get it repaired then he should be given fair opportunity to do so. If they get it up on a ramp and the exhaust is damaged by its having been driven over a spped hump / rock etc then for me that's be tough... I'd get it welded but at the OPs expense. I know the law is the law and soga applies.. bt if the law really was the law then 100 MPs would be in prison for thieving and not still MPs... and it appears that HMRC can 'lose' the details of 26,000,000 taxpayers and no one is held to account but I would get a fine and a snotty letter if I sent in my VAT return a day late. The law is not always your friend and the OP should be careful bearing in mnid the price pais for the car. I don't to get into a big discussion on this as it will run off topic and will say no more, save to say that in the real world its nearly always a question of what's possible and not what your rights might be under soga.

BTW OP I am nOT saying that yuo've deliberately gone and bought and old clunker of a car... motoring is an expensive business these days and that was very likely all yuo could afford. The point I'm making is that at that mnoey you don't get much of a car. The exhaust hangng down does not make it unsafe... undriveable in case it catches a speed hump, yes, and mot failure yes, but unsafe.. no. Give him a chance to fix it... although I susoect that if you go back there with anything much more than that he'll tell you where to go.

Sam, despite the fact that soga does indeed apply, for goodness sake be realistic... It is NOT going to be a good car for £695 is it? And at that mnoey the dealer is far more likely to say get on with it than if it was £6950. Thats all I'm saynig... you can quote soga at people all day long, but for £695 he's got a fight on his hands.

If the OP has bought anything like the above car for £1295 then there WILL be lots of things wrong with it. I've been in business all my life and you CANNOT buy a £5 note for £2.50.. it can't be done. @ £1295 and with the thing shes accidentally signed she's got two hopes.. Bob Hope and no hope.

Here's what i'd do... Ring the ins co and tell them yuo've had a mnior accident not yuor fault and that you do not wish to claim at the moment but will keeep them posted Tell the woman that drove into yuor car and drove away that its quite simple, you have a witness to the accident, its her fault, its £270, or go to court, or go thru the insurance co. If they pay, great None of this involves losing your no claim bonus. And SHE KNEW SHE DID IT.... they always do... If you take them ot court and win and they pay great If you do the above in court and they dont pay they have a CCJ, you fix the car for £270 and don't lose your NCB if they go thru the ins co, ie get their ins to pay it, tell your ins co that your car was stationary, they deal with it, you make NO CLAIM on yuor own ins, great

To be quite honest, on a £695 car, you can't expect him to move heaven and earth in order to sort it out... if he's said he'llsort it then I daresay he will, but be careful that if you get on his nerves he'll say 'get on with it....' Most cars under £1000 are nearing the end of their life, so be careful....

Ah... well anyone knows that you can't buy something thats worth £3000 for £1295, so in all fairness I think that if you did indeed pay £1295 for a car that should.. if it was 'proper'... be worth £3000 then you can't really expect it to be a good car, and the dealer can no doubt show that you signed for a car that was cat c registered, with faluts etc..... If the above is the case then I think you'll struggle with a chargeback AND to get anything back from the dealer... but good luck anyway........

yes of course yuo can... and if you fail for any reason yuo can still get it done for £270, so no need to involve your insurance. Tell them you have an independent witness to it and you either want it dealt with or its a CCJ for them, no messing about.

and you wre not insured. there used to be a 'free' driveaway insurance but that stopped years ago. he cannot insure it as he has no interest in the car once you own it. its like insuring someone else's life... you have no 'interest' in the matter so you can't do it.

sam is right. the point here is that you have bought a cat c car which is worth probably 35% less than a proper one. no matter what you do / spend on the car it will always be a cat c write off. get your money back and walk away.

You have to give him a chance to fix it, he may also want to see the worn out parts, and in his defence he may well say that seeing as its a 2nd hand car, the brakes are entitled to be partly worn out so here's what may happen 1. dealer finds he can get work done for £200 2. the brakes are entitled to be partly worn. 3. here's £100 goodbye. 4. do you accept this?.. well you ARE definitely supposed to give the dealer an opportunity to fix it before you do so, so I would say yes to avoid what could be a long drawn out episode. Kepp us updated though, yu may well do better than this! He should never have sent the car out with worn out brakes, I'm just saying what the dealer might well say.