!!Steer clear of CARCRAFT & Creation Finance!!

PNPSUKNET

yes as they have an intrest in the car

Bonny1

Hi Alarox, did you get this sorted ?

teletubby_2

Hi Everyone

I have a possible success story. Like many others we went to have a look around CC at the vehicles. My partner spotted a car he liked but couldnt get the finance on it so i was asked if i would go as guarantor and have the finance in my name. As i was unprepared on the day i only had my bank cards with me and no proof of address/forms of ID. However they said the finance had been agreed and i signed on the dotted line. A deposit was paid and c car part exchanged. They were anxious to seal the deal and offered to deliver the car and collect the px car upon which they would also collect the proof of ID.

After mulling this over for several hours i was not keen on the finance for 5 years with the expensive repayment (not to mention the 5 year warranty that they said the FINANCE company had stipulated we must take out or they werent prepared to finance the deal) and would rather have paid cash which they told me was not possible as they werent able to change this on their system. Anyway the cars were exchanged, minus the ID which they overlooked.

Since cars have been exchanged they have been very anxious to the point of harrassment to obtain the ID to the point of turning up on my doorstep for it. Today i found out just why...because there was no credit agreement in place due to the fact that they hadnt got the ID there and then, only an application for finance was made, therefore CC have not been paid for the vehicle neither by the finance company or ourselves, therefore we had a car which they have not been paid for although they are adamant that the finance agreement is in place (even though i have spoken directly with the finance company and are assured no such agreeement is in place, only an application which cannot be activated without proof of ID!).

After seeking legal advice CC were called by my legal representative where they were told that their finance agreement was not valid and not activated and that I wish to pay cash for the car. If they insist that the finance agreement is in place then we will await instruction from the County Court for a summons for non-payment, which my legal representative stated would not happen as no finance payments would be taken from my account as it is indeed only an APPLICATION.

Strangely enough CC are now able to change it on their system to a cash payment and are anxious for me to take the cash down.

However I am wondering now whether to take the matter further as they have obviously not followed protocol and have hugely cocked up because of this and they have released a car to us through their own risk and liability without receiving means of payment through it and I wonder what the legal situation is with keeping the car! I wish to seek further legal advice, however if anyone on here can advise then it would be greately appreciated.

Apples2

teletubby wrote: »

However I am wondering now whether to take the matter further as they have obviously not followed protocol and have hugely cocked up because of this and they have released a car to us through their own risk and liability without receiving means of payment through it and I wonder what the legal situation is with keeping the car! I wish to seek further legal advice, however if anyone on here can advise then it would be greately appreciated.

Carshaft are indeed a bunch of shysters.... So you want to steal a car from them?

teletubby_2

Apples2

I wouldnt dream of stealing a car (even though they had the audacity to say that they would report the car as stolen, even though they delivered it!), but it appears they have made a monumental cockup at their own risk and liability.

it would make a change for a consumer to win one up by the sounds of all the complaints on the forums.

SoundsDigital

They have in effect given you the car. If the boot were on the other foot and you let a stranger drive away in your car and transfer it into their name, what would be your chances of the insurance paying out or your getting the car back...? Pretty slim I'd wager.

As things stand, I'd sit back and see what happens. I take it you have the paperwork from CC stating you have purchased the car and the V5 in your name. Let them call the police. You can just show them the paperwork and let them be on their way.

Peonie_x

alarox wrote: »

I'd signed on the dotted line in store yes, but Creation Finance hadn't. To finalise the agreement both applicant *and* creditor need to sign. Creation Finance is based in Belfast and Carcraft posted my paperwork from mainland UK. For the few days it was in the post the agreement wasn't yet finalised, Creation confirmed this themselves. It was the one loophole that gave me a chance of getting out of this mess.

Once you have signed the agreement form, you are accepting the terms and conditions of creation consumer finance, as as you signed the agreement form, creation do not have to, as it is not required.

and to point out the obvious, creation consumer finance is not based in belfast. they have offices all over europe, you talk to the custsomer service advisors in either belfast or solihull, and it is creation who issue the letters to you, not carcraft.

The agreement is finalised once you have signed the agreement, and the store have put the application through.

somethingcorporate

Peonie_x wrote: »

Once you have signed the agreement form, you are accepting the terms and conditions of creation consumer finance, as as you signed the agreement form, creation do not have to, as it is not required.

and to point out the obvious, creation consumer finance is not based in belfast. they have offices all over europe, you talk to the custsomer service advisors in either belfast or solihull, and it is creation who issue the letters to you, not carcraft.

The agreement is finalised once you have signed the agreement, and the store have put the application through.

It was 8 months ago, perhaps you are a little late to the party??