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Vehicle Finance Problem: unusual circumstances…
I fell into arrears with a hire purchase agreement.
I eventually incurred a county court judgement – I’m not absolutely sure of the date but I think it was sometime during 2007.
In March 2009, I received a ‘judgement for delivery of goods’. Afterwards I heard nothing from anyone about repossessing the vehicle.
In August 2011, the debt was sold to a debt collection agency and apart from the usual correspondence requesting unrealistic amounts to settle the debt, nobody made any contact to arrange repossession.
In January 2018 I received a letter from the debt collection agency stating that my account is closed and that ‘we have recently reviewed your account and decided to take no further action to recover the balance. We have closed the account’.
Where it should show a balance outstanding in the letter there is £0.00.
The car has been parked on my drive (not the public highway) with no tax or insurance for over 6 years.
I now want rid of it and want to scrap it – the car is now 20 years old and it’s not financially viable to get it back on the road.
However, I recently paid for a HPI check and found out that the finance company still have an interest registered for what I think is the original CCJ amount.
Is the finance company allowed to do this given that I have a letter from the debt collection agency stating that I no longer owe anything?
How can I get the finance company to remove their interest with HPI?
Thanks in advance for any help received.
I eventually incurred a county court judgement – I’m not absolutely sure of the date but I think it was sometime during 2007.
In March 2009, I received a ‘judgement for delivery of goods’. Afterwards I heard nothing from anyone about repossessing the vehicle.
In August 2011, the debt was sold to a debt collection agency and apart from the usual correspondence requesting unrealistic amounts to settle the debt, nobody made any contact to arrange repossession.
In January 2018 I received a letter from the debt collection agency stating that my account is closed and that ‘we have recently reviewed your account and decided to take no further action to recover the balance. We have closed the account’.
Where it should show a balance outstanding in the letter there is £0.00.
The car has been parked on my drive (not the public highway) with no tax or insurance for over 6 years.
I now want rid of it and want to scrap it – the car is now 20 years old and it’s not financially viable to get it back on the road.
However, I recently paid for a HPI check and found out that the finance company still have an interest registered for what I think is the original CCJ amount.
Is the finance company allowed to do this given that I have a letter from the debt collection agency stating that I no longer owe anything?
How can I get the finance company to remove their interest with HPI?
Thanks in advance for any help received.
