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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
Spacing

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You mean a pers loan?

Is the car mentioned in the agreement?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thats great thanks for confirming! Gives me some comfort that BH might be wrong.

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


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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