Cygnet and ACF, faults with car and bill of sale problems.

[tonycard]

I just thought this might have a bearing

In law, void means of no legal effect. An action, document or transaction which is void is of no legal effect whatsoever: an absolute nullity - the law treats it as if it had never existed or happened.

[harley2131]

hi, i am in same position and i have been told I have paid £8,900 and owe £9,100 still on car. They have said I can voluntary surrender the car but I would be liable to pay the full £9,100. Depending on how much my car is sold for I would have to pay them the outstanding. So left with no car and still debt!

Im not sure what I can do either, I am trying to get help but no one replying to my post yet

Let me know if you hear anything - thanks

[crem]

You never want to be in a position to Voluntary Surrender as this leaves you liable for any of their losses and debt on the car. In most instances where you can voluntary surrender you can also Voluntary Terminate which is a much better way to go as you are protected from any debt beyond 1.2 the value.

[harley2131]

You never want to be in a position to Voluntary Surrender as this leaves you liable for any of their losses and debt on the car. In most instances where you can voluntary surrender you can also Voluntary Terminate which is a much better way to go as you are protected from any debt beyond 1.2 the value.

 

Yeah I know but that's only option with this agreement. They can terminate but I can't. I am going.to be left with no car, still big lump of debt and record on credit file. They said will forward account to litigation dept if I don't surrender but they will push me to do this. Can't afford car anymore but thought could hand back and not have the debt to pay

[sequenci]

Remember that there are, in effect, two contracts.

 

The credit agreement AND the actual bill of sale.

[tonycard]

I understand what your saying, but as the agreement is regulated by 2 acts, which act has precedent,? this is where I`m getting confused

[tonycard]

if my bill of sale is void then there is no bill of sale, does it then go back to a unsecured loan? regulated by 1974 cca

if so any defaults and terminations issued under the bill of sale act would I imagine to be unlawful and therefore any termination would end any agreement

[Hip_Hop]

Deleted as repeated below

[Hip_Hop]

if my bill of sale is void then there is no bill of sale, does it then go back to a unsecured loan? regulated by 1974 cca

if so any defaults and terminations issued under the bill of sale act would I imagine to be unlawful and therefore any termination would end any agreement

 

Hi Tonycard,

 

don't want to spoil the party but if your Bill of Sale is registered with the high court than you will have real difficulty getting any judge to pass judgement that your Bill Of Sale is void. Period...

 

How do I know this? Because no Bill of Sale has been found by a judge to be void if it has been registered.

 

I personally checked with a master at the High Court in London whom I was granted an audience with, when I questioned the validity of my BOS that was registered outside of 7 days. He simply was not interested and I was eloquent in my legal argument and suited when I spoke with him. He thought I was representing LBL! As far as he was concerned, if it has been registered, end of the matter.

 

Will you find any precedent that a registered BOS has been shown and a judgement made that it is subsequently void? No.....Don't believe me? Find one....It doesn't exist but threads that state that their BOS are void are aplenty on the CAG.

 

The same threads that allude to Bills of Sales being void and definitions of what void means but never any judgments. Sorry, but I see these circular threads that raise their heads over and over again. They are a distraction and offer a false hope. I'm just stating it as it is.

 

Hip_Hop

[seekeroftruthandjustice]

Finally some words of wisdom. You will not succeed with an invalid BOS application.

These posts are stock full of sometimes well intended but misleading guidance and false hope based on minimal knowledge.

My advice - go to Consumer Credit Counselling service, CAB, and get the facts rather than the online fiction.

[Gingersp28]

Hi all,

 

can i ask a question on bill of sale? what if the date and signature is changed in order to meet the cleared seven days deadline??