Help car was impounded now finance company have it

bigjl

If you are three months away from owning the car then they need a court oeder to take the car surely.

What has your Insurance company said? As surely they are the only ones that can say they are invalidating the policy, not the pound or the Police, they can only arrest you not convict you.

Either I am missing something or the Finance company are exceeding their legal rights.

I don't think they could argue it being reasonable to take goods which won't belong to them in any way after the next three months.

The only time I have heard of a car being taken by the Police then the finance company have taken it from the pound is when the car was on a hot list as the finance was outstanding and there was a suspicion about the finance being obtained illegally.

You need to consult a solicitor not a forum on the internet, as you need proper legal advice, not opinion or guesses, even though they may be correct it is best to get advice from those properly trained to deal with it.





Oops just read your last few posts, beg, borrow do anything you legally can and pay it off, having the car is better than crying about it later, the finance company have had expenses due to this and it is likely the extra charges are to do with this.

Just pay and be glad you aren't getting stuck with 6 points.

Inactive

Misslady wrote: »

Sorry you were not ignored, or maybe i missed it? i was just wondering why the different insurance companies had not picked up that i did not hold a licence, even though i was at fault in an accident

As others have said, you confirmed to your insurers that you held a valid licence, which is legally binding, of course this was fraud, because you did not.

Less said the better methinks.;)

mikey72

Get the car back. (check that £1300)
Park it on your drive.
Declare all the points to your insurer.
Pay the extra premium.
Check you appear on askmid.com
Use the car again

Misslady_2

Thank you I have made a massive error and will seek legal advice where needed

mikey72

It's only fraud if it was intentional.
However, the insurers could get stroppy, as you didn't declare the points, or had a licence. Then they could cancel your insurance, so you're back to square one. Don't make too many waves yet, see what it wil cost to get the car back, compared to if you had got it back from being impounded. Then decide if it's worth it.

Misslady_2

mikey72 wrote: »

Get the car back. (check that £1300)
Park it on your drive.
Declare all the points to your insurer.
Pay the extra premium.
Check you appear on askmid.com
Use the car again

Thank you I will do all of the above and never get myself into such a ridiculous situation again.

Misslady_2

mikey72 wrote: »

It's only fraud if it was intentional.
However, the insurers could get stroppy, as you didn't declare the points, or had a licence. Then they could cancel your insurance, so you're back to square one. Don't make too many waves yet, see what it wil cost to get the car back, compared to if you had got it back from being impounded. Then decide if it's worth it.

Thank you

With the type of car it's worth it unfortunately otherwise i would have left the blasted thing ;-)... the stress!!

Misslady_2

i agree thanks

Jeff_Bridges_hair

mikey72 wrote: »

It's only fraud if it was intentional.
However, the insurers could get stroppy, as you didn't declare the points, or had a licence. Then they could cancel your insurance, so you're back to square one. Don't make too many waves yet, see what it wil cost to get the car back, compared to if you had got it back from being impounded. Then decide if it's worth it.

She had her license revoked in 2008. That means when she renewed her insurance in 2009 and 2010 she intentionally left out the fact she had no license.

Thats enough intent isnt it?

Misslady_2

Jeff_Bridges_hair wrote: »

She had her license revoked in 2008. That means when she renewed her insurance in 2009 and 2010 she intentionally left out the fact she had no license.

Thats enough intent isnt it?

I didnt know my licence was revoked until, december 2011!!!! i would not intentionally do that by any means.

As i said i take full responsibility for forgeting to send it back but i would in no way intentionally defraud :-(. I didnt know until i was told by the police, i have read several stories of people not knowing their licenses were revoked and still applied for insurance unknowingly.

I will take the stick for not submitting the license in a timely fashion but not knowingly commiting fraud. I am now finding this more distressing..