Help!!!! The hire purchase agreement I have shows the wrong vehicle details!!

Edinburgh7

Hi all

Just looking for some accurate advice here.

Basically in 2007 I purchased a motocycle through First Response Finance. Following some financial issues, I voluntary surrendered the vehicle a year later and have now just about paid the full outstanding balance with them.

I recently sent my £11 and requested a copy of the credit agreement and a subject access request which I have in front of me. Upon looking at it however there are a couple of major issues.

1. The "application form" has all the correct details including the correct vehicle. (the copy they have sent me is unsigned

2. The "hire purchase agreement" in the "description of the vehicle" section, describes a completely different make, model and registration of the vehicle. (the copy they have sent me is unsigned)

3. The "signing of contracts" form is titled to the wrong motorcycle dealer and quotes an entirely different vehicle registration from the one i purchased.
This document is 4 pages long and leads on to the hire purchase agreement that has been signed by me. On page 4 where it states "dealers offer and warranty" it does however quote the correct vehicle details but this part is also unsigned and has no field for a signature.

What is seems like to me, is that i have been looking at purchasing 2 different vehicles at the time, but didn’t know what to go for and thats why I have two HP agreements. The first copy they have sent me is unsigned but the second signed copy is my main focus. The documents title is, SIGINING OF CONTRACTS FOR: (and the incorrect vehicle registration) which then leads onto the HP agreement and Ive signed this. Granted the last page in the dealers offer and warranty does quote the correct details, but this area has no field for a signature and is therefore not the vehicle I have signed for.

So my take on this is that I have signed and paid for a vehicle I have never owned. Whith this in mind what are my rights? Am I entitled to any form of refund?

Any help would be greatly appreciated.

Edinburgh7

For anyone who doesnt want to read my long and drawn out last post..........

The hire purchase agreement I have signed and paid for displays the incorrect vehicle details. Does this make the contract null and void and am I therefore entitled to any form of refund?

Thanks

wealdroam

Edinburgh7 wrote: »

So my take on this is that I have signed and paid for a vehicle I have never owned. Whith this in mind what are my rights? Am I entitled to any form of refund?

Possibly.

But you have paid nothing for the vehicle you have owned.

Depending on the relative values of the two vehicles, and the terms of the two agreements, maybe an adjustment either way is necessary.

Only you and the finance company know the answer.

What did they say when you asked?

Edinburgh7

Hmmmmmm

But the other vehicle - ive never even seen it!! I thought about buying it and decided not to. The vehicle I did decide to buy I voluntary surrendered after a year and I still owe £600 on it.

It just made me think - Ive paid £3000 for a vehicle I have not signed a credit agreement for and have never owned. I havent asked the finance company either because any correspondence I have with them will be in writing to keep a paper trail.

Edinburgh7

Anyone????

Freddie_Snowbits

Oh dear, what do you want OP. Do you want a full refund because of the mistake on the documentation. Then Freddie grants you absolution, I hope you can construct a better argument as to why it has taken you 3 years to realise this.

As for the non response and OP bumping the post, I suggest then, you should post in the loan shark area of the bored, maybe they will help there.

http://forums.moneysavingexpert.com/forumdisplay.php?f=12

Otherwise, I would just put it down to experience.

On the other hand, though, you could seek help for your reading problems, either an optician for a pair of reading glasses or your school for failing you in the three ‘R’s

Freddie apologises that he cannot be more helpful.

wealdroam

Edinburgh7 wrote: »

Anyone????

What?????????