Half rule car finance

[wes]

Hello all,
1st time posting here. I have a 2nd hand vehicle on finance, and I sent them a letter informing them that I wish to return the vehicle under the half rule. ( I have paid over half of the amount of the vehicle cost) That was in May. In the letter I stated that I would not be signing any forms, (as I have read that I should not and did not need to).
Fast forward 3 weeks and a recovery vehicle was sent to pick up the vehicle. The recovery driver man said I should sign the form he had from the finance company and he would take it away. I said I would not be doing this as I was advised not to. After a few phone calls the recovery man said he could not take it away as I had not signed the form.
I sent another letter to the finance company stating I am not signing any forms please pick the vehicle up. I then get a text from the third party recovery man stating that unless I sign the voluntary termination letter I would be taken to court by the finance company for a return of goods order plus court fees and recovery fees. This can't be correct can it? Any help would be appreciated.

Thanks in anticipation.

[R0b]

Re: Half rule car finance

No it is not correct, you are not obliged to sign any forms and the recovery man could potentially be in breach of the Consumer Protection from Unfair Trading Regulations in that he is acting aggressively. You will not be taken to court for the return of goods because you are allowing them to collect it, they are just refusing to unless you sign their documentation for which you have no legal obligation to.

There are several options you could do, firstly you could text the recovery man back and explain that there is no legal obligation for you to sign the finance company's documentation and that his actions amount to aggressive commercial practices contrary to the Consumer Protection from Unfair Trading Regulations which is both a criminal and civil offence. You could also say that you will be making a formal complaint to the finance company in respect of the way he and the company is acting.

On top of that you could send a further letter to them which is contained in post 17 of this link (Tort of Interference with Goods letter, amend to suit) http://legalbeagles.info/forums/show...t+interference

Who is the finance company?

[wes]

Re: Half rule car finance

Hello,

Thanks for that information, it is 'The Car Finance Company' - (a company who has no idea what anyone else is saying/doing in the same room).