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Eurodebt Threats

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Last Friday my wife received a letter from Eurodebt stating that our car, which we purchased in February, is "subject to outstanding finance and is the legal property of our client" . The letter goes on to ask for all original documentation relating to the purchase of the vehicle and a lengthy and seemingly largely irrelevant questionaire was attached. My wife has three children under the age of five to look after and when she phoned Eurodebt to complain about the inconvenience, stress caused, and the threatening tone of the letter she was told that "you will not say that when we take the car away from you".

Is this kind of intimidation legal ? We have a hand written receipt for the car which we purchased for part cash, part bank draught. The log book is in my wifes name and the name of the seller (a small car dealership) is on her bank statement for the entry of the bank draught. Can anyone tell me what our rights are in this situation ?

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Have a look at HPI's site. This firm provides details of outstanding finance on cars and has been used by the car industry for years. Their address is HPI Trade Web

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Are you sure that the company is Eurodebt? The only company I can find of that name is a franchise organisation that offers DMPs. I am aware, however, of a firm called Europol International who operate in the same way you have related. I have dealt with them on behalf of a client - they use the usual tricks and threats, but can be defeated.


If the person who sold the car to the dealership in the first place failed to settle the finance, or if was stolen, it is possible that the car could belong to a finance company. However, it may not be quite clear cut:


- did you do a HPI check, or did the dealer claim to have done one (was it on an advert, or does the dealer advertise all cars as checked)?

- if the car does indeed belong to the finance company, they may not be able to repossess without a court order.

- if the car is repossessed, you can sue whoever sold you the car; as this was a dealer, you stand a good chance of this succeeding.


As for the company, it goes without saying that you should not send them any documentation for the moment, nor should you speak to them on the phone. If they call insist on everything being in writing.

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