Chapel house car finance need help

[lisamelanie2]

Hi

 

 

I need some advice please

 

 

my niece purchased a car on finance from chappelhouse.

 

 

She had the car a few years and upgraded to a newer car in 2012,

she presumed and was under the impression that the car was again on car finance.

 

 

After signing the papers for the new car she had a change of heart before she was due to collect the new car.

 

 

She went into the branch who told her no she couldn't change her mind now and the car was hers,

they'd gone and paid her finance agreement off and put her on a personal loan through barclays for the car.

 

 

Being a young lady on her own in the shop she thought that was it and she couldn't do anything about the situation.

 

 

As the advisor even threatened her with the police just because she no longer wanted the car !

She'd had nothing but trouble with this company

all she wanted to do was hand the car back to them as she thought it was on a finance agreement,

as in some agreements you can hand the car back after paying for so many years.

 

any help or advice is much appreciated

 

as she's unable to hand the car back dup to chapel house changing it to a personal loan

and if she sells the car she wouldn't make enough to cover the remaining loan.

[Peterbard]

Have you asked for a settlement figure for the loan,

there should be some discount on the contractual amount owed on early settlement.

 

 

alternatively there is an early settlement calculator here http://www.financecalcs.co.uk/Calcs/Settlement.php

 

Unfortunately at the time the car was purchased there was no facility to cancel the sale,

although she may have been able to cancel the finance, the law has been changed in this respect recently.

[lisamelanie2]

Hi this was 2012 this all happened as she's only just found out that it's a personal loan aft3r trying to return the car.the settlement figure is over 4000.

[Peterbard]

What is the car worth ?

[lisamelanie2]

It's a citroen c2 2010 probably about 3000 if she was lucky

[dx100uk]

what insurance/ppi did they make her take out.

 

 

was part of the loan to also pay off the old HP?

 

 

dx

[lisamelanie2]

Yes when she took the previous car they put an extra 2000 onto the new agreement because of the old car

[dx100uk]

urm..my spider scenes are going.

 

 

have you got both agreements?

 

 

dx

[lisamelanie2]

Yes she has one from previous car and one for the new car

[dx100uk]

would it be possible for you to redact them and scan them up please?

 

 

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not got all the statements have you?

[lisamelanie2]

I will get her to scan them think she does have statements too ill get her to do them too