Help! Car was impounded and now the lender has it

Mza123

Manxman_in_exile wrote: »

Don't you have to go through the finance company's complaints process first? Take up to eight weeks(?).


Complain to them. The car may not "technically"have been in your possession, but if that was through no fault of your own, I think they're being unreasonable.

Usually with the ombudsman you do. But with my past experience dealing with the telecoms ombudsman, you can ask for a final response letter from the company before the 8 weeks are up and take things forward.

Mza123

Warwick_Hunt wrote: »

Ok pm me the vehicle reg and I’ll tell you who nicked it.

I wish I knew what thread you were folllowing

Manxman_in_exile

Mza123 wrote: »

Lol you can literally find the lender of a vehicle with a HPI check. My story is adding up, you’re just trying to be a smart !!!.

The police have duty to contact the legal owner of the situation

Well I don't know, but are you sure of that? Given the number of financed cars on the road problems like yours must be happening all the time.


And if the police had a duty to notify the finance company, it wouldn't have made any difference if you picked the car up on Friday. The finance company would already know that it had been out of your possession (the police would have had to inform them - according to you) and they would be paying you a visit to collect the car! (I'm ignoring the question as to whether this would be reasonable or not).


As Ectophile suggested (1) go through formal complaints procedure with finance company and (2) if necessary, escalate to ombudsman.

Warwick_Hunt

Mza123 wrote: »

I wish I knew what thread you were folllowing

You’re talking crap, if you still maintain you’re not pm me the vehicle reg and I’ll get to the bottom of what happened to your car.

Mza123

Warwick_Hunt wrote: »

You’re talking crap, if you still maintain you’re not pm me the vehicle reg and I’ll get to the bottom of what happened to your car.

Lmao, done

Mza123

Manxman_in_exile wrote: »

Well I don't know, but are you sure of that? Given the number of financed cars on the road problems like yours must be happening all the time.


And if the police had a duty to notify the finance company, it wouldn't have made any difference if you picked the car up on Friday. The finance company would already know that it had been out of your possession (the police would have had to inform them - according to you) and they would be paying you a visit to collect the car! (I'm ignoring the question as to whether this would be reasonable or not).


As Ectophile suggested (1) go through formal complaints procedure with finance company and (2) if necessary, escalate to ombudsman.

Yes very sure, I’ve looked through similar cases on the site and have seen thst the same happened.

And blue motor finance said that if I had got the car back in my possession before they got to it,
It would have been fine

But thanks I’ll call the financial ombudsman tomorrow

Manxman_in_exile

Mza123 wrote: »

Yes very sure, I’ve looked through similar cases on the site and have seen thst the same happened.

And blue motor finance said that if I had got the car back in my possession before they got to it,
It would have been fine

But thanks I’ll call the financial ombudsman tomorrow

Can you post a link? I'm interested.

Mza123

Manxman_in_exile wrote: »

Can you post a link? I'm interested.

as a new user I can’t post links but just search
Car finance major problem vehicle seized
Or
Help car was impounded now finance company have it

There were a few more but I cba to search for them again as they all came to no resolution

Have a quick skim through the comments

AdrianC

Mza123 wrote: »

So I just received the letter and the exactly clause I broke in my contract is the following:

You must keep the goods safely at your address shown on the preceding pages. You may not sell or dispose of the goods or transfer your rights under this Agreement. You may only part with the goods to have them repaired. You may not use the goods as security for your outstanding debts or responsibilities. If the goods are a motor vehicle, you must keep it at your address shown on the preceding pages when it is not in use and you are allowed to take the vehicle to any country in the EU for up to 30 days (up to a maximum of 60 days in any calendar year) but no more and you may only take the vehicle outside the UK at all if this is permitted under your motor insurance policy.

So the insurer requires the car to be left at the home address, unless the OP's actually using it (including to stay at another location overnight).

I think the implication is that by leaving car plus keys at an address he was not at, while he was at home some unknown distance away, the car was not in his possession. This does not seem an unfair assumption, if a tad harsh in the circumstances.

We don't yet know what car it is, do we, or even roughly where in the country? I'm wondering if car plus location add up to a bit of a thief-magnet, hence the fairly onerous conditions there.

Mza123

AdrianC wrote: »

So the insurer requires the car to be left at the home address, unless the OP's actually using it (including to stay at another location overnight).

I think the implication is that by leaving car plus keys at an address he was not at, while he was at home some unknown distance away, the car was not in his possession. This does not seem an unfair assumption, if a tad harsh in the circumstances.

We don't yet know what car it is, do we, or even roughly where in the country? I'm wondering if car plus location add up to a bit of a thief-magnet, hence the fairly onerous conditions there.

The issue isn’t with the insurer, this was a letter from the finance company explaining why they’re keeping the car. What happened with the insurer is, the day I went to collect the car they wanted to prove I was a home owner, otherwise my partner policy would be void. I of course did this and all was well, but the day I came back I found out the car was taken back by the finance company.

The location was Birmingham, well West Brom, and the car was a BMW 520d