[ATTACH=CONFIG]45316[/ATTACH] Is this credit agreement enforceable as the lender has not signed it. Any help is appreciated. Regards Ivan

Hi again After looking through my paper work the credit agreement on 2 of the cars have not been signed by the lender on my yellow copies but when I asked for copies they came back signed? this was a car I returned due to me loosing my job and there is also money owed. does it mean the finance is unenforceable? Regards Ivan

This is what i put below: I would like to make a complaint regarding all the agreements I have had with you over the past 8 years. The complaint is regarding the gap insurance that I was sold and that I did not even realize I had and also that on 3 of the policies the gap insurance does not even cover the whole duration of the finance agreement. I have paid for the gap insurance plus the interest for the whole period of the finance agreement when in the later stages of the agreement the gap would not even cover me. None of this was explained to me or my wife when those agreements were taken out about the gap insurance or how it worked. I would therefore like to request a refund of monies paid on the gap policies listed below: That is what i put in letter but also listed the agreements. Regards Ivan

What would be the next course of action to take? If any. Regards Ivan

Hi again guys.) I have written to the finance company and explained about not knowing about the gap insurance and they have sent me copies of disclaimers i signed (to be honest without knowing as the papers were already written out for me and overlapped each other) basically the disclaimer says that i am declaring i have made an informed decision on the gap and i understand the policy and its to my complete satisfaction. Is this still worth pursuing? if so what would be my next move. Any help is appreciated. Regards Ivan

Thank you I appreciate the help. Regards Ivan

Hi again Just looked at my last 2 cars and they are not called gap insurance it is called total loss shortfall waiver? Is this any different do u know? Regards Ivan

ok so sar the finance company? The garage I dealt with has its own finance company that is run on same premises. Many thanks Ivan

Hi How should I go about claiming? Should I send a sar to the garage involved? Ivan

Hi wonder if anyone has any info regarding claiming back gap insurance policies sold? I have had approx 5 different cars over 7 years and everyone has had gap insurance which until recently I did not realise. Any help would be appreciated. Regards Ivan PS not sure if I have posted in the correct forum apologies if not.

Hi again I the finance company come to repossess can they go on to private land ie a drive at my mothers house and then repossess or do they need a court order? Any help is appreciated. Regards Ivan

Any ideas anyone?

For the link to work change the 2 x's to 2 t's as I am unable to post links Ivan

Hi I have a car on finance and it is secured using a bill of sale. Could anyone tell me if this bill of sale is enforceable or not. It was signed by the salesman and no solicitor was present. I have put a link below of it with personal details missing. Any help is appreciated. http://i1359.photobucket.com/albums/q786/ivanjunko/scan0001_zpsc9122ca5.jpg Ivan