Ok this is quite a long story regarding a car i took in p/x and it'd be a very long read so i've thought up below a way to explain it quickly.
* Got a hpi check that came up completely clear on all fronts
* Car i received had finance on it from a previous owner(the owner before the one i bought it off)
* The person i bought it off vanished off face of the earth, looked increasingly like a set up.
* I had it hpi checked but w/o the vin number which i learnt afterwards only a few hpi check places (based in scotland) need, most can pick up everything off the number plate.
* Finance company sent someone round to "collect the vehicle"
* I provided HPI check
* I have no protection from the hpi check place because i didn't note down the vin number.
* Situation is now, after 2 yrs they no longer have any intention of getting it off me as they arent sure enough of winning the case, and i'm not sure enough of getting it off them because i didn't note down the VIN number and its illegal (checked with solicitor) for me to sell it on and they'd just go after the next owner and maybe have more luck so they're leaving it on their records.
I'm not a t*** and i've no intention of shipping it on to an unsuspecting person, but what can be done? Its a good little car (mg zr+) for me but its on the small side as i'm very tall. What would people here do?
I see my options being.
1) try to negotiate something with the finance company which is obviously quite risky and i'd have no idea how to go about it.
2) Break the car for parts but no idea how viable this would be and i have no proper mechanical knowledge and it'd surely be a nightmare getting rid of all the parts to gain a reasonable sum of money towards another car and effectively cut my losses knowing they'll never come back to me for it now. How much would i realistically be looking at getting back if i'd have to get/pay someone to remove the parts? probably nothing as the parts won't be worth enough being an mg?
Apparently they'd have some hold over it even if it got into an accident and would then try to get the insurance payout off me.
The car is fine but i'm thinking longterm, i'd hate to hand it back to them for free at any point on princple. What would people here do / suggest?
I'd be really grateful for any help as i'm pretty stuck on this one.
* Got a hpi check that came up completely clear on all fronts
* Car i received had finance on it from a previous owner(the owner before the one i bought it off)
* The person i bought it off vanished off face of the earth, looked increasingly like a set up.
* I had it hpi checked but w/o the vin number which i learnt afterwards only a few hpi check places (based in scotland) need, most can pick up everything off the number plate.
* Finance company sent someone round to "collect the vehicle"
* I provided HPI check
* I have no protection from the hpi check place because i didn't note down the vin number.
* Situation is now, after 2 yrs they no longer have any intention of getting it off me as they arent sure enough of winning the case, and i'm not sure enough of getting it off them because i didn't note down the VIN number and its illegal (checked with solicitor) for me to sell it on and they'd just go after the next owner and maybe have more luck so they're leaving it on their records.
I'm not a t*** and i've no intention of shipping it on to an unsuspecting person, but what can be done? Its a good little car (mg zr+) for me but its on the small side as i'm very tall. What would people here do?
I see my options being.
1) try to negotiate something with the finance company which is obviously quite risky and i'd have no idea how to go about it.
2) Break the car for parts but no idea how viable this would be and i have no proper mechanical knowledge and it'd surely be a nightmare getting rid of all the parts to gain a reasonable sum of money towards another car and effectively cut my losses knowing they'll never come back to me for it now. How much would i realistically be looking at getting back if i'd have to get/pay someone to remove the parts? probably nothing as the parts won't be worth enough being an mg?
Apparently they'd have some hold over it even if it got into an accident and would then try to get the insurance payout off me.
The car is fine but i'm thinking longterm, i'd hate to hand it back to them for free at any point on princple. What would people here do / suggest?
I'd be really grateful for any help as i'm pretty stuck on this one.
Fact is i don't need legal advice because the situation is the finance company will never collect it and i'm not allowed to sell it because as soon as its registered in another persons name it'll all kick off again and they'll be back on the case. This isn't a legal forum and i know the situation already regarding that.
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