Hi all,

Just a quick question for you all

I purchased a second hand car from fiat on finance in 2009 I understood this was on hire purchase and have a hire purchase agreement signed by me (a copy). I went to hand the car back around 3 months ago under the halfs and thirds rule to be told I had a motor loan on the car.

After a few days of arguing and producing the hire purchase form thy produced a signed copy of a motor loan. They advised they did not know how I had a hire purchase form as these are not printed until you have been accepted.

So the question is do I just need to accept this as I signed the motor loan as I don't feel this was explained to me when I brought the car.

Cheers

Replies

  • Rich67 wrote: »
    So the question is do I just need to accept this as I signed the motor loan as I don't feel this was explained to me when I brought the car.

    you need to accept the fact that you signed the documentation without reading / understanding what you were signing (motor loan documents won't have had the halves / thirds boxes).

    It's not down to the finance company to hold your hand whilst signing legally binding documents. You may have a complaint against the dealer for not telling you it was a motor loan not a hire purchase as you were lead to beleive, but that would be your word against theirs and so very difficult to prove.

    On the plus side - you own the car not them, so you can whatever you want with it (apart from VT it back to the finance company)
    We've spent decades teaching people about their rights, but nothing about their responsibilities.
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