Hi all...to srat with I have been totally stupid and landed myself right in it.
Car on Finance...Unemployed...couldnt afford...over one third...thought would make a little profit and settle finance.
June 2015 Advertised. 'Dealer turned up...bought car...showed me a bank document suggesting that he had paid the finance company and gave me the difference...approx 700 quid.
I was relieved to be out of a sticky situation....treated for stress and depression and still am being to date.
Guess what....you knew it already...dealer was not a dealer.....a tidy [problem] to get a nice car for 700 quid....I am left holding the baby...so to speak.
So Now there is a return of goods order. Despite this I have been in contact with the finance co and I am making payments based on affordability having consulted debt line or something.
They are turning up with a truck knowing full well that I dont have the car.....I have explained the situation. I accept full responsibility and I am making payments but they are now adding on charges.
I am going out of my mind.
Incidentally the car was not registered on HPI but now it is. Since then I have another vehicle on Finance...which surely wouldnt happen if I was showing as default on call credit or whatwever,
I am so confused and extrrmely worried