After some advice really and ive seen a few threads linked to this site so thought i would give it a try
In march 2012 i purchased a car for the sum of £6300 from a seller on EBAY, he had good feedback etc.
So the story goes
Phoned the guy to check condition, mileage etc. asked if the car was hpi clear to which he replied yes. Didnt want to take his word for it as it was alot of money so carried out a hpi check at £20 showing the car to be clear of all checks including finance and insurance write off.
Went to veiw the car and payed cash for it there and then, drove it back as the guy was still covered insurance wise.
On tuesday this week whilst i was out a guy working for a company called northwest collections and recoveries droped an envelope through the door with a note to call him and a questionnaire. On wednesday i gave the guy a call and he explained to me that the car is on a hpi agreement with a previous owner. I informed him of the situation and that ive carried out a hpi etc with proof and he advised me to fill out the questionnaire and return it back with all the details and has said that i have done everyhting i could to check it was a clean car to buy so shouldnt have anything to worry about
NWRC are working on behalf of a company called Bluestone credit managemnt who have bought the debt from SANTANDER. group. Bluestone have refused to give me a copy of the finance agreement even with the name and address of the person the agreement is with.
Where do i stand in regards to this?
From what i understand as im an innocent purchaser and i have done everything i could to prove the car was free from debt before i purchased it, i have good title over the vehicle and the finance house cannot make a claim against me or the vehicle. As added strength i have since carried out an additional hpi check thorugh the RAC website that also states VIN and VRM clear from any history.
Shall i return the questionnaire and return with both hpi checks and the bill of sale i got or should i seek further legal advice?
Many thanks Steve