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    • I’ll call the court on Monday. 
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Looking for some advice.

I defaulted on a black horse personal loan on 2012 (not hire purchase) which was taken out for a car in 2009.

This was included in my sequestration.

 

The car was not repossessed as the value of the car was too little.

Black horse have confirmed that the account is closed but that I still have a balance.

 

5 years later I would like to sell the car but when carrying out a HPI check the balance is showing.

 

Do I have the right to sell this car?

Edited by dx100uk
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You mean a pers loan?

Is the car mentioned in the agreement?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I’m not sure. Although as it was handled by the dealership at the time I would expect so...

 

I have confirmed that this is not a secured loan or hire purchase.

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Well you need to find out

If the car is not mentioned in the pers load then it shouldn't be HPI registered!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Ok thanks! If it is registered on the loan I assume I will then have a problem selling this....at any point??

The sequestration is now closed so would seem strange that I would need to keep the car forever??

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ring BH and ask whats going on

if this debt was part of your sequestration then it should not exist now and neither should the finance hence neither should the HPI register marker

 

but that's BH for you..totally useless on most things

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

yes sorry I miss read post 1 ..think i'm right..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
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