Help with dlc aka hillesden

[Tom Lowrey]

Hi Guys! I am new to this forum, but unfortunately not new to my HPI debt, which is now contorlled by DLC AKA Hillesden Securites!

 

I bought a car on Hire Purchase in 2008

The car broke, and as a result had a new gearbox fitted under warranty, which itself broke 2 months later

 

Peugeot refused to fix under warranty, saying it was drivers error,

black horse did not want to help, and I could not keep up the finance!!

 

The debt now stands at £12000+.

 

I am currently bankrupt,

the insolvency service are aware of this debt with the car,

but cannot take it on fully until the car is reposessed!!

 

Currently DLC own the car, but are refusing to reposess!

they contatntly ring me, which is NOT allowed under section 285 of the insolvency act!!!

 

Peugeot are charging me storage which is currently at £1572.00, they will not release the car until payment is made

(I am liable as i well know and am fine with) but they will not release the car to me as DLC own the car,

but DLC will not reposess and will not give a reason as to why!

 

Until they do, the insolvency service will not take this debt on fully!!!

 

Please help I need to know what to do,

DLC are very threatening, but this does not bother me,

but what does bother me is the smarmy comments i get when they think they have won because they will not reposess the car!

BUT even after I am discharged from bankruptcy,

 

They debt will still be included in my bankruptcy estate as the debt was incurred before I was made officially bankrupt!!

 

Sorry to go on, but this debt is going on as is the problems with DLC!!

 

Thankyou in advance for any advice

 

Tom

[honeybee13]

Hello and welcome to CAG.

 

I'm moving your thread to a specialist forum, where the guys should be able to help you.

 

My best, HB

[Tom Lowrey]

Hi Thankyou for your reply so quickly!

 

How do I find the new thread where it has been moved too??

 

I have an update, BlackHorse said they no longer own the car, but DLC have bought the debt!

 

They advised me to do a HPI check, which I have in front of me, and it says...........Black Horse own the car!!

 

I am the registered keeper, but NOT the legal owner! so why will they not reposess!??

 

Many Thanks again for such a quick reply!!

 

Tom

[dx100uk]

its here where you are.

 

dx

[dx100uk]

firstly

stay off the phone to DLC

everything in writing only

 

you are under no legal obl to talk them on the phone.

 

and i dont think you owe anything on the car all.

 

the car and the loan are two sep things

 

dx

[Tom Lowrey]

Well, this is where it is getting confusing,

 

Peugeot will not release the car until money is paid for the storage costs. They won't release it to me, because I am not the legal owner, I am only the registered keeper. Having my name on the log book is not proof of ownership. Because the money is owed on the car, they need to reposess, so as to claim some money back on it. Then the shortfall will be added to my bankruptcy estate. The insolvency service will not take the debt on now, because I still have the car (in theory) so they would potntially be buying the car for me!!

 

DLC are refusing to reposess the car, peugeot won't realease it to me, so every day it sits there, its more storage costs on my head

 

BUT if I get the car, and they still wont reposess, bailiffs will come, and guess what..........reposess the car!??

 

I wanna lose it today.........................

 

Tom

[Tom Lowrey]

I realise also to now stay off the phone with them, but all I really need now is for them to reposess the car, then the money owed goes into my bankruptcy estate, then bobs your uncle, I'm debt free! But it isn't as simple as it sounds. Blakc horse said they no longer own the car, but DLC do, DLC say they do not have the facility to reposess the car, but I cannot legally sell it because of the outstanding money owed on it!??

 

I shall be back later to check the post

 

Many thanks again

 

Tom

[dx100uk]

as the car was very obv not fit for purpose

 

i do not think your 'owe' anything on the agreement.

so it does not need to be worried about it at all.

 

forget the car and what you owe

 

let them sort it out.

 

thats why its gone to a dca

 

blackhorse obv know this.there is absolutely no way this would ever get to court.

 

dx

[Tom Lowrey]

Lovely, thankyou very much, I shall be back tomorrow with an update on what I hear or find out:D

 

Be back that

 

Tra

 

Tom

[dx100uk]

and who has advised BK?

 

are your debts THAT bad?

 

dx

[Tom Lowrey]

By BK I guess you mean bankruptcy? I had no choice really, my debts are that bad, my wife and I barely pay the bills, and often juggle around paying less to some bills to get through! So I had to choose this route. Back to the car, I have been advised legally, that, I do owe money, ALTHOUGH bankrupt, the debt is not yet covered by my bankruptcy estate, because I still have to goods, whilst I have the goods, the debt is a finance deal, when they reposess the car, it is a debt, with no goods to show for, hence then it becomes a debt covered by my bankruptcy, but the problem I have is that I cannot get the car reposessed by DLC or whoever owns the damn thing, this is where my troubles start....

[dx100uk]

forget the BK for the minute.

 

if you were to start a thread solely on the car issue, then the eventual outcome

i bet of the advise would conclude you owe nowt.

 

the car was not fit for purpose - end of!

 

dx

[dx100uk]

dont trust blackhorse as far as you can kick then - do some reading

 

also forget whatever a dca says

 

they have no legal powers whatsoever

and are only interested in getting money out of your

by telling you whatever they need to fleece you.

 

WHO told you you legally owe for the car?

 

its a heap of crap, that was never fit for purpose from day one.

 

dx