Jump to content

non payment of car finance - please help

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5037 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts

I took out car finance with the BH in April 2009 and have since split up with my husband and also lost my job and therefore am unable to pay for the car.


Unfortunately the finance is in my name and the car is in my husband's name and he has since left with the car!!


I have spoken with BH who have said that they cannot defer payment as I have missed one already and the only option is to give the car back!! They did offer to reduce payments but cannot do so because I have no job at present, could someone please advise where I go from here?


I have made 9 payments to date of £316.00 per month.


Many thanks.



Link to post
Share on other sites

Welcome to the site.

Can you confirm who BH is ?

How long is the agreement for ?

Have you put anything in writing/them to you ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



Link to post
Share on other sites

My actual agreement says HP not loan and I have the car over 43 months @ £316.46 per month, amount of credit £13,320 + total amount payable £17,207.32, I have this agreement on HP for upto 3 years and if I decide not to upgrade my car I have a final payment of £3,916 to end agreement :eek:. Hope makes sense???


BH is the Black Horse.



Link to post
Share on other sites

I have no scanner but my son does I think so could do so tomorrow, I did ask BH if they could send me a copy of my agreement (as I have mislaid mine original) and they agreed although reluctantly but on receiving the said document it is only 4 pages of 7!!!!!


I am confused as to what to do next as obviously I cannot give the car back but on the other hand have no finance to pay the HP!! What a mess this is! I will ring BH tomorrow and ask for a full copy of the agreement as requested.


Thanks for your help and where will I send the copy of agreement?



Link to post
Share on other sites

As You Have Paid More Than A Third, They Cant Repo The Vehicle Without A Court Order


If Anybody Comes To Collect The Car Tell Them To Bog Off Or Give It To You In Writing Its A Repo


Its Serious Without A Court Order


Its Called Unlawful Recession Of Contract

Link to post
Share on other sites

You Scan The Agreement And Google Photobucket

Ignore The Adds And Register


You Then Use The Upload Link In Photobucket To Upload


Once Its In Photobucket You Can Then Paste The Image Code Onto Your Thread And Hit Post Quick Reply


Seems Daunting But You Will Get The Hang Of It


Just Ask On Your Thread For Instructions If Stuck

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...