sold my car whilst on h/p to pay mortgage

olivia84

i never said it wasn't a crazy idea but the OP didn't give us much info and we don't know their situation is - sorry - maybe i'm just annoyed about how i was treated on the match betting board - but i didn't like it and people could have either not posted or just said 'hey that's a nuts idea - let us help you deal with your debts and finances in a better way' which a few did - it was just the whole dramatic OMG YOU ARE SUCH A COWARD!! kinda response the op got - yea it's stupid but desperate people go to desperate measures. i'm not stikcing up for them totally and maybe you're right - maybe being so hard towards them stopped them from doing it - which can only be a good thing.

x

Hatecreditors.com

olivia84 wrote: »

gee whizz! you know, i keep seeing on these forums "this is a place for non-judgmental advice" etc etc; but so many of the answers to this question are down-right nasty!! yes the debt free wannabe board is by far the friendliest and non-judgmental board on MSE, but sometimes you get the odd know-it all clique just waiting to pounce on someone just looking for a bit advice! i experienced this when i posted a question on the match betting forum and got absolutley torn to shreds by people saying i was asking questions that had already been asked or that my question was irrelevant etc and when i asked a question about when free offers run out what do i do - to which the answer was "wait till that happens then worry about it!"

OK here's the non-judgemental advice - don't do it as it is against the law and will affect innocent people in the process.

yes selling a car on hp is techincally fraud but no one on this thread knows this guy's situation. he (or she!) may be desparate, they may be fully intending to still pay the finance, it may only have a few payments left to go, they may be waiting on a huge payout from an old auntie's will next month, they may be selling their house and waiting on the paperwork coming through - the guy did not say he was going to sell the car then do a runner!

Why would an HP company allow you to keep making payments when their property and security has gone???

yes yes, it is a silly idea but until he comes back to tell us what his situation is then we should not be coming away with comments about him being a coward or go to jail and how selfish he is.

The OP knows it's fraud and knows it will affect an innocent buyer. Is that not selfish? At the end of the day, they are in a position where they can't afford their mortgage. What's the worst that can happen? They lose the house and have to rent? If that's the case then that's the case. I'd rather do that than commit fraud to stay afloat for another month.

sorry, i know i'm ranting but it proper annoys me when (and sorry to offend any long-haulers) people make newbies feel stupid or that they are somehow not part of their 'gang' just for asking a question.

Nothing to do with their status on a forum and if they're new or not. They're committing fraud and know it.

and now i'll probably get told off from someone for even replying to this thread and pushing it to the top of the thread list and bunging up the board and an admin will come along and close it etc.

i just wish people would realise that there are no stupid questions (most) people ask them for a genuine reason and not everyone knows the etiquette of the boards if they're newbies and they don't know that the same question might have been asked 3 months ago by someone else therefore risking annoying a long timer that has seen it 1 thousand times before.

OP: don't sell your car if there is hp on it: come back to the board and start another thread and let all the helpfull people know your situation and hopefully there will be lots and lots of great advice on how to deal with your finances.

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