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errors on agreement, log book, vehicle


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I purchased a vehicle, 3 years ago, on a 7 year unregulated hire purchase agreement. I want to send the vehicle back but I have found out that I don't actually have any consumer rights. This of course was not explained to me at the time of purchase. Up until Friday Black Horse had told me that if I paid 50% I could return the vehicle with nothing more to pay & no penalties. That is what I'd been doing with just £5,000 to go to reach half way. I've paid for 3 years almost £20,000. Balance was £39,750 (with £10,550 interest) but settlement figure is still £26,000 with penalties on.

Found out yesterday this is only applicable on a REGULATED agreement.

On an UNregulated agreement I can be charged up to 5 months interest as a penalty + all costs of returning the vehicle. I'm currently in arrears which I was going to clear on Monday but with all this I feel I need to get some clear guidance. I have all the emails & lists of problem I encountered with the vehicle from day one. When the dealer eventually agreed to take it into the workshop I called on the Friday to check all was ok with the appt. on the following Monday & was told they'd gone into liquidation that morning! So tey never did the work they promised & there is no UK distibutor for parts either. Pretty awful when you've just signed up for the amount of HP!!


During a recent MOT the mechanic pointed out that the chassis number on the log book is different to the one on the vehicle. On double checking the agreement yesterday there is another chassis number making three different chassis numbers!

I have spoken to Consumer Direct (oft helpline) who think that if there are errors in the chassis numbers I could possibly return the vehicle, without anything further to pay & reclaim the money I have paid over the last three years!!

Someone else has said this could come under the Supply of Goods and Services Act 1982

Does anyone know if this is the case or know anything about this??

I always thought if your chassis number didn't match the log book there is no way you could even sell the vehicle?


The dealer went into liquidation 8 weeks after I purchased the vehicle, so I can't go back to them for advice. But my feeling is I've been misled as there was an exact same vehicle which had gone off road with a broken chassis.

The vehicle I thought I was buying had an awning but I got a vehicle without an awning. Now all this with the chassis number I do feel very worried & don't know where to get the right advice. I kept being brushed off when I said about the awning he laughed & said he could fit one for £900!


Consumer Direct have put me in for a call from Trading Standards, as you can no longer call them direct anymore at the local council.

I'll wait to see what they say. I'll keep you posted. I'm just so worried about the heavy mob from BH turning up to take the vehicle!

Any advice or thoughts would be very welcome


Thank you

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first thing i would do is stop paying anyinstalments and notify your creditor of this. Then get the car check by the police to make sure everthing os Kosha, if its not get onto the trading standards and a solicitor

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Hi thank you for replying. I put a call in to trading standards because you have to go through Consumer Direct first, they filter their calls. You're supposed to get a call within 3 days. My call should have been Tuesday at the latest. No call. Black Horse have rung each day, I'm sure he thinks I'm telling fibs!

SO called trading standards again yesterday - said hopefully I'd get a call today. Waited all day & nothing again. nightmare!!

Of course you can't call them yourself & when they do call I've been told they don't always leave a message - how mad is that.

So I'm still waiting. Was supposed to clear the arrears on Monday, but haven't paid anything.


I'll keep you posted.

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