Conditional bill of sale question

[linleyl1]

Hi
I bought a car in March and the finance for it was done as a conditional bill of sale.
Due to a change of job, I no longer need the car. My feelings are that the company I bought it from will not allow me to return the car.
I have checked the agreement it talks about clause 8 termination but there is no clause 8 attached to my paperwork.
I have also noticed that my paperwork does not show the apr I am paying and the total cost of the goods it shows details of what I have bought, the deposit paid, and when my payments are due and how much the payment is.

Can anyone offer any advice please it would be much appreciated
Thanks

[FlamingParrot]

Re: Conditional bill of sale question

Hi
I bought a car in March and the finance for it was done as a conditional bill of sale.
Due to a change of job, I no longer need the car. My feelings are that the company I bought it from will not allow me to return the car.
I have checked the agreement it talks about clause 8 termination but there is no clause 8 attached to my paperwork.
I have also noticed that my paperwork does not show the apr I am paying and the total cost of the goods it shows details of what I have bought, the deposit paid, and when my payments are due and how much the payment is.

Hi and welcome

Any chance you could scan or take a picture of the agreement, remove all personal details and post it up? :typing:

I'll see if our car finance specialist can pop in.

[linleyl1]

Re: Conditional bill of sale question

Hi

Thanks for the reply and the welcome

I have attached my agreement documents

[bizzybob]

Re: Conditional bill of sale question

Remove t5he vehicle details, as the creditor will recognise you from this. Jeez looks like Wonga rates of interest.

[linleyl1]

Re: Conditional bill of sale question

Hi

I have attached the bill of sale with information deleted.

I have since spoken to citizens advice who said they could not really comment but as there was no apr detailed, the price of the goods was missing and the total cost including interest was missing that they would refer it to Trading Standards

I have also spoken to the finance company and asked them what type of agreement it was to which they replied it was a bill of sale. I also asked what the APR was and was advised that it doesn't work like that.

I am now at a loss what to do next and where to go with this