Consumer Hire Agreement

[seabro]

I am being chased because I signed a Guarantee and Indemnity relating to the hire of a Peugeot van by the company I used to own.

 

Initially, I thought a Business to Business transaction would not be covered by the CCA but the OFT's website states

 

The Consumer Credit Act 1974 lays down rules about how consumer credit agreements and consumer hire agreements must be documented. There are also rules about how and when copies must be given to the borrower or hirer.

 

Now, the Guarantee and Indemnity I signed states:

 

Agreement to which this Guarantee and Indemnity relates:

A consumer hire agreement No XXXXXX

 

So I assume that the hire document is covered by the CCA.

 

Now, the Guarantee and Indeminty is 1 page, and the Hire Agreement is 1 page. Neither state they are covered by the CCA, neither has a lot of information such as default charges, total amount payable etc.

 

Can any of you clever people let me know if I have a chance of winning a dispute on this? They are looking for £3K because the repo'd the van and sold it off cheap at auction after I got behind with payments.

 

Scans of the docs attached. Your assistance is appreciated.

 

http://www.picamatic.com/view/5144631_Consumer_Hire_Agreement_Peugeot/

http://www.picamatic.com/view/5144648_Consumer_Hire_Agreement_2Peugeot/

Edited September 20, 2009 by seabro
added links to documents.

[seabro]

Hey all,

 

Would love some input on this one from a more experienced CAG'er if possible.

 

Thanks,

 

seabro