Rejecting my Golf

[Snoopy]

Admiral, Elephant and Bell are basically the same group but don't like loosing to their other company, Its fun playing one off another 

[DRC]

Yes, very much so Snoops
Been with Admiral for a year now, been a great company, never complained at me always changing my car and are by far the most competitive out there!
Looking through my finance docs tonight and no where does it mention Hire Purchase or that they'd put a marker on the car, I don't think they really have much to stand on? A few instances on the old Google have shown Black Horse to be the worst for it, people have kicked up a stink with them and they've removed it within 48 hours?? Just wish they'd let me change!

[p3asa]

As for a garage and giving you money back on the tax disc, I'm sure there is new legislation out that prohibits garages from cashing in customers tax discs. I know when I traded in my last car that is what the salesman told me. Or something to that effect.

Am1w: I would have thought you would get more discount using credit as they have a lot more to play with as they won't make as much with a cash sale?

Maybe Evo would be able to tell us.

[Snoopy]

^as you say lots of profit in finance not much in a cash sale.

[Buck]

As for a garage and giving you money back on the tax disc, I'm sure there is new legislation out that prohibits garages from cashing in customers tax discs. I know when I traded in my last car that is what the salesman told me. Or something to that effect.

That's my experience. Salesman gave me tax disc as the only person who can claim a refund is the registered keeper

[DRC]

Creation say they'll send a fax over to the new garage expressing they have no interest in the car and can be sold on, but the hpi flag will still be there?? So confusing now, if they don't care about it why won't they remove it! I don't even care if it goes on my new car!!

[Horney]

Creation say they'll send a fax over to the new garage expressing they have no interest in the car and can be sold on, but the hpi flag will still be there?? So confusing now, if they don't care about it why won't they remove it! I don't even care if it goes on my new car!!

If you don't remove the marker I doubt the garage will take it in P/X. It suggests there's outstanding finance on the car which will be flagged up in any HPI check.

Nick

[DRC]

Bloody stupid tbh :/
Legally they don't have a reason to do it, it's unsecured against me, not the car? Could understand if it was the other way.

[DRC]

Found this

Personal Loans or MOtorloans are not HP and the Finance company have no rights to the vehicle at all. They starting doing these because of the huge amounts of people using VTs to hand cars back to them.

They dont like you to sell the car without settling but they have NO choice in letting you. If they will not remove there intrest then write to them recorded delivery and if still no luck try TS as your rights to the free title of the vehicle are being affected by the finance company.

You can if necessary issue county court proceedings to force them to remove the intrest and also claim costs and maybe a little loss os title value if they been holding out for a while.

If the car is on finance and you sell it to someone who buys it in good faith then they still retain good title due to the Hire Purchase regulation 1964 as amended (legalized theft if you ask me) but you will still have to pay for it.

You must however get the interest removed as insurance companies etc will payout to the finance co first and then ask questions, they shouldnt and you would have a case against them for recovery if you can show good title. Hope this helps but it is very complicated and i would need more details to help in an individual case

[Buck]

Dan

~Sounds like a phonecall quoting the above with a letter, recorded delivery, to follow which will outline your determination to take them to county court for settlement if you do not receive confirmation that their interest in the vehicle is fully removed within 10 working days.