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Silly me
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It may be better to send a letter , treat this matter as if you were dealing with a DCA everything in writing , keep copies and proof of postage , less chance of a confrontation , then things getting out of hand, and do not phone.So ideally I need to just face up to it go knock the door and ask for the car back? or ask her for the rest of the money to cover the finance.GRADUATED FIRST CLASS WITH HONORS FROM THE SCHOOL OF HARD KNOCKS RECOMENDED READ IF BY RUDYARD KIPLING0 -
Post back here if this dosent work , there are other things you can do but letts not get ahead of ourselves, above all keep caim.It may be better to send a letter , treat this matter as if you were dealing with a DCA everything in writing , keep copies and proof of postage , less chance of a confrontation , then things getting out of hand, and do not phone.GRADUATED FIRST CLASS WITH HONORS FROM THE SCHOOL OF HARD KNOCKS RECOMENDED READ IF BY RUDYARD KIPLING0 -
You need to get the car back asap, do you have a spare key for the car?
The thing is that if you are named on the HP agreement then the car should be registered to you and you should also have it insured fully comp. If this isn't the case (which it clearly isn't) then you are breaking the terms of your HP agreement.
The company could ask you at any time to confirm that the car is in your possession.
You aren't the first to have been caught like this but you have to get that car back.Karma - the consequences of ones acts."It's OK to falter otherwise how will you know what success feels like?"1 debt v 100 days £20000 -
Like i said keep calm dont get ahead of yourself ,try to end this without a fight.You need to get the car back asap, do you have a spare key for the car?
The thing is that if you are named on the HP agreement then the car should be registered to you and you should also have it insured fully comp. If this isn't the case (which it clearly isn't) then you are breaking the terms of your HP agreement.
The company could ask you at any time to confirm that the car is in your possession.
You aren't the first to have been caught like this but you have to get that car back.GRADUATED FIRST CLASS WITH HONORS FROM THE SCHOOL OF HARD KNOCKS RECOMENDED READ IF BY RUDYARD KIPLING0 -
Also ignore the abusive comment it has been reported.GRADUATED FIRST CLASS WITH HONORS FROM THE SCHOOL OF HARD KNOCKS RECOMENDED READ IF BY RUDYARD KIPLING0
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He could alsways make the suggestion that he has spoken to the HP company and they aren't very pleased and will be reclaiming the car if it isn't handed back to the person named on the HP agreement and that she will incur fees for this?
Just depends on whether she's bothered about stuff like that I suppose.
OP if you do get the car back can you afford it?Karma - the consequences of ones acts."It's OK to falter otherwise how will you know what success feels like?"1 debt v 100 days £20000 -
You could end this by simply jacking the car up then towing it away . But dont , first try what i sugest, dont make a fight of it yet.GRADUATED FIRST CLASS WITH HONORS FROM THE SCHOOL OF HARD KNOCKS RECOMENDED READ IF BY RUDYARD KIPLING0
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OP how long is left on the agreement, how many more payments have you got to make?
If there aren't many then I would be inclined to say bear the loss and put it down to experience I'm afraid.
The problem is that your ex-GF is going to see the car as belonging to her because she is making payments to you and not an actual finance house.
Does she actually realise that it doesn't belong to either of you?
Just to edit, she might not be able to get the finance put into her name, the finance co might decline her (not that I know anything about her financial situation, just why didn't she get her own car if she's OK for credit?)Karma - the consequences of ones acts."It's OK to falter otherwise how will you know what success feels like?"1 debt v 100 days £20000 -
mufc689908 wrote: »Seriously if you`ve got any mucky pictures of her tell your ex they are heading for facebook until she plays ball.
That's generally called blackmail and the Police take a dim view of it...0
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