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Thread: recived a letter from black horse today!

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    Regular Member G4GAV's Avatar
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    Exclamation recived a letter from black horse today!

    as the title says,

    iv had the veccy now nearly 8 months and i get this letter only to find out the car still has finance on it still from one of the last owners! (1 of 4) now im well P****d off as i did a hpi check on the phone (txt one) and it come back clear .

    so now iv just filled in the questionaire that black horse supply (and iv added the last owners details in big black bold letters) and hoping i dont lose the car ,

    has any one else delt with this sort of thing ?


    and iv just bought my xp spiltter, vxr spoiler, vxr rear panel and was going to put them on next month, think i might hold on that now !
    Last edited by Big-Pete; 13th February 2011 at 11:50.

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    Regular Member v6diesel's Avatar
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    Unfortunatly if the car has outstanding HP on it the title remains with Black Horse

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    Quote Originally Posted by v6diesel View Post
    Unfortunatly if the car has outstanding HP on it the title remains with Black Horse
    Pretty much as above, until the hire purchased is cleared ownership title of the car remains with the finance company. Logbooks etc. are only proof of the registered keeper. Its worth checking with the company you carried out the history check as to if they offer any guarantee for this kind of eventuality (HPI for example offer a cover of upto £30,000 of the vehicles value should they provide inaccurate information).

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    Regular Member G4GAV's Avatar
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    but they did say i wont lose my car as long as all details match up, now iv been honest as i dont want to lose it, but if they find the last owner can they order them to pay the remainder and i keep the car ?

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    Regular Member hoochydady's Avatar
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    depends how much is owed on it mate? if its less than 500-1k the may offer to sell you the car but if its more there going to take it from u

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    dont worry bud same thig happened to me a while ago i was scared they would take teh car took about 2 mo0nths but they said they would sue previous owner and take him to court and that i didnt have to worry and they removed the hpi/itrest fro9m the car,

    dont worry bud be patient as it dont happen over night , i found out thje hard way when i came to sell it that was when i found out it still had fionance from previous owner

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    Regular Member G4GAV's Avatar
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    thx for feed back guys .

    i feel like taking a trip up north to the guy that done the deal and giving him some ( i have his address ) lol

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    Regular Member chewy71's Avatar
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    check if the outstanding is for 'HP agreement' or for 'Personal Loan'... if it's a loan then you can re-direct them to the previous naughty owner. HP, unfortuntely not - only benefit with HP is that you can return the car to them after 50% complete on the terms if it was in negative equity and it's all cleared.

    also contact the company oho advised you it was HPI clear too - ask them for a new car!

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    Regular Member Grumpy1954's Avatar
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    as above, I'd be asking the company that said it was hpi clear some pointed questions - also the point about personal loan or HP is good. There is hope!

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    Regular Member G4GAV's Avatar
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    does any one know of any good HPI sites that dont charge over the top prices, just affaid of getting the wrong info again, i want to check for my self .

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