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Found 10 results

  1. Hello CAG, First post, I hope you can help! I bought a used car from a local dealership back in February 2016. Its a Zafira 'B' CDTi 1.7 Elite model, 60 plate... the cooling system has been a nightmare since the day I bought it. I'll detail a full list of events. 1) Car was bought in Februrary 2016. Just prior to pick-up it was discovered to have had a coolant leak. This wasn't fixed at the time of delivery, and the car was released to my wife upon receipt of payment from her finance company (Moneybarn). 2) Car broke down the same day she collected it, the dealer r
  2. Hello all, Firstly thank you to all of you for your invaluable help on here. Just a bit of background .. . I have an ongoing dispute involving my local council, MP and bailiff company.. . I have been reading here your very helpful posts to other people over the last couple of months and will in the fullness of time put the full details of my story on here, as it will highlight the lies and deceipt of a big bailiff firm, which I know many others have suffered at the hands of and the subsequent reduction of some very large and 'fraudulent fees' charged by said bailif
  3. Hi All, I was a sole trader for some years until I had to close the business, In the first year of trading I took out hire purchase on an item, I kept up with re-payments for some time and then fell behind, what makes things worse is that I left the item at a hotel I was working at, the item was never seen again, I never told the HP company this. I buried my head and tried to pay the monthly installments and then had then reduced and now I can not a pay them at all. The HP Company are now going to apply to the courts to recover the goods, which I do not have, c
  4. Hi All I bought a car on hire purchase 4 months ago from a Seat dealer, last weekend the car broke (basically!). The guys from an independent garage ran it through their diagnostics system and it came back with a fault, solution 'replace ECU'. Cost of part from Seat was over £1200! Nowhere has the part though because it is on back order and no one knows when it will be coming in. I contacted CAB who were fantastic and advised me that Seat Finance should pay for the repairs. I contacted Seat Finance and they wanted me to take the car back to where I bought it from so they could diagnose th
  5. Hi Guys, Having boasted to my friends about seeing off Clarity, one of them asked a surprising question which I'm passing on here. This friend lives in Spain and has a caravan which was bought on HP. The agreement was taken out in August 2003 and no payments have been made since December 2006 - for what reason I don't know why. The question is this: is the HP statute barred as from January (or whatever day after his last payment)? Does he still keep his caravan? It probably doesn't matter as he lives out in the middle of nowhere in Spain, but he asked the question, and so
  6. Hi there, I am new here but it this looks like the place to find an answer to my question. My g/f wants to settle/terminate her car's Hire Purchase agreement as we are leaving the country (not known at the time of taking it out). The key facts are... Cash price of car = £11,667.77 Advance payment = £855.48 Rate of interest on credit = 7.72% Total charges = £3,011.31 (interest of £1,826.31, acceptance fee of £125 and option to purchase fee of £60) Finance term = 36 months Monthly payment = £208.36 Early settlement figures Quarter of duration = £9,567.55 Half of
  7. Hi, Hopefully this is the most appropriate subforum for my question but please point me in the right direction if not... I volunteer with a charity and, one and half years ago, that charity bought a minibus/van on Hire Purchase. At the time, the HP agreement was signed by the chairperson of the charity commitee, who is since no longer involved with the charity - when the van was bought the salesperson apparently advised that this was the right thing to do and apparently s/he gave the that the agreement was effectively in the charity's name, rather than an individual's. Fast forw
  8. Hi, I bought a car under HP and, due to adverse financial conditions, fell behind with the payments. I have paid well over 1/3 of the total cost. A ROG order was requested and granted. The finance company did not collect the vehicle and after 6 months - only then becoming aware of such an option - I applied for a Time Order and a hearing date was scheduled. At this point the car was repossessed from the street. From browsing previous threads it appears that the car was taken unlawfully as no Warrant of Delivery was applied for, nor a court bailiff. I had to apply for an adjournment so I
  9. Hi all, Yesterday I signed a Hire Purchase Agreement for a car with Black Horse, through a car dealership. The agreed monthly payment is £190/month, in 48months. I got a phone call today from the car dealers saying that there had been a mistake by Black Horse and that I have to go back to them to sign a new agreement with a monthly payment of £211/month. My question: is the agreement I've signed legally binding or can they now make me change the conditions? I'm sure that if I had made a mistake they wouldn't change the agreement for me once signed, at least not witho
  10. Hi my daughter recently took out a finance agreement on HP with Black Horse for the purchase of a car. At the car dealers they were offering 7 day free driveaway car insurance but she was advised that she could not drive the car away because she was under 21. The dealer signed over the V5C to her boyfriend at a totally different address to that on the finance agreement and not her and allowed him to drive away the car. At no point did the dealer ever sign over the V5C to her. The boyfriend has insured the car in his name at his address and is refusing to return it to her. We have contacted the
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