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• Who is legal owner? 4 Sep 2004 (Forum)
  Hi folks If a dealer sells you s/hand car on p/x without clearing previous outstanding credit to finance company (or telling you), who owns the car? If the finance company writes to buyer after two months of purchase saying they are repoing it due to unpaid credit of previous owner, how do you keep it?
• Sourcing & Finance Broker - Q&A 12 Aug 2017 (Forum)
  I'm aware alot of you hold a certain amount of animosity towards brokers and also understand a reasonable amount of it is well founded, but some is not. Thought I would give you all the opportunity to ask any questions you have of a Finance and Sourcing Broker (me) who runs a proper FCA regulated company (my company) and knows how things 'should' be done. I know this has a chance of becoming a broker bashing thread, but I am thick skinned and so long as you keep it civil I'm happy to participate.
• Vauxhall Astra Coupe/Convertible - Garage stating negative equity payment was deposit 5 Feb 2017 (Forum)
  Close friend saw a second hand car they liked and were trading theirs in. Their car had £200 negative equity which the garage stated would be paid to the finance company. The week they were due to pick up the car it was not ready due to too many things wrong with it. Friend then decided not to go ahead with the new finance and cancelled.purchasing the car.
• Finance advice needed 1 Sep 2004 (Forum)
  We intend to keep the new car for a long time, probably as long as the Saab which has served the family for 9 years. I'm baffled as to how to finance the purchase, given the vast array of options on the market. The car will be mainly for family use, although SWMBO is Vat registered but doesn't do nearly enough mileage per annum to call it a company car.
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  Finance advice: Repo-Depo man 15 Jan 2010 (Ask HJ)
  I went to visit a second-hand car dealer to look at a Volvo V50. On the advert it said 1 owner and 47k. When I went to the dealer I looked over the car...
• FIAT Panda 59 reg - end of finance agrement 4 Jun 2013 (Forum)
  not sure what to do  my finace agrement with this car ends in sept i have 3 options  pay the setlement figure £1800 and keep...
• saw this and thought of 18 Feb 2005 (Forum)
  negative equity. what happens if, say, someone bought a car at £20K 6 months later trade in value is £15K but they still owe £16500 on finance. can they ring the finance company up and say... look i cant afford it anymore. i cant sell it for less than trade in. can i just hand the car back to you and forget about it? just wondering....
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  I unknowingly sold a car that had outstanding finance - what can I do? 24 Aug 2018 (Ask HJ)
  I sold a car three months ago, which I’d bought privately two months prior as a fixer upper. I occasionally fix cars as more of a hobby than as a money...
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  Is unit stock finance and pre-registration normal practice? 30 May 2024 (Ask HJ)
  We've found a good couple of franchised dealer cars recently but HPI has shown outstanding finance on the basis of "unit stocking". The dealers have assured...
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  My car was written off - what happens to the finance payments I've made so far? 7 Mar 2018 (Ask HJ)
  My Ford B-MAX was involved in an accident and the other party accepted liability. I didn’t want the hassle, so I claimed against my own insurer. I lost...
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  Mined the GAP? 9 Jan 2010 (Ask HJ)
  I bought an 03 plate Porsche Boxster S from a specialist dealer in March 2008 and was charged £500 for GAP insurance as an 'extra', although no paperwork...
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  Can I get PCP payment protection? 7 Feb 2024 (Ask HJ)
  If my partner is half way through a PCP agreement and dies, what is the legal/financial position? Is it possible to insure against such a scenario eg payment...
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  I traded in a motorbike with neg equity and my new bike broke down. What do I do? 13 Aug 2020 (Ask HJ)
  I traded in a motorbike and the bike I bought had no service history. It broke down in the first week so the dealer agreed to repay a new finance agreement....
• Mitsubishi L200 - New L200 Barbarian - rejecting under consumer act 29 Apr 2016 (Forum)
  So the finance company have rejected by claim. The agreement is non regulated so I cannot complain to FOS. They have pointed me towards the Finance and Leasing association but I am unsure if this is the right next step.
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  How does Skoda Finance work and can I end the loan early to save money? 24 Aug 2013 (Ask HJ)
  I am buying a new Skoda Octavia for £19,000. The dealer suggests that I fund £9500 using Skoda Finance. The deal is that Skoda will contribute £500 and...
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  My Peugeot 307 HDI has a lot of problems. What can I do? 27 Aug 2010 (Ask HJ)
  I bought my Peugeot 307 HDI 2-litre diesel just over a year ago and have had nothing but problems with it since I got it. The dealer turned out to be unreliable...
• Cheap Newish Cars on Autotrader 11 Mar 2012 (Forum)
  If you decide to keep the car, then you will have to authorize Yahoo Finance to release the funds to me, and the transaction is complete.If the vehicle is not as described ( perfect interior,exterior,mechanical condition ), you will be able to send the vehicle back through the same shipping company ( return postage at my expense ), and ask Yahoo Finance to return the money to you."
• No Finance, No Part Ex, No Deals? 29 Mar 2013 (Forum)
  The only reason I can think of the lack of interest in giving me a discount (not to suggest the staff weren't professional, polite and not at all pushy) is that I had no interest in finance and no part ex and my conservative guesses suggest that profit from these would dwarf the profit from the car. Is this common in garages? Are cars now just a tool to sell finance packages?
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  Buying a new Honda Jazz- price 29 Jun 2012 (Ask HJ)
  A main Honda dealer has quoted me the following for a new car. Do you think this is a good offer? Jazz 1.4 ES with metallic paint with a choice of colours. £13,431.00...
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  Faulty Ford Focus 18 Mar 2011 (Ask HJ)
  I purchased Ford Focus via finance last Saturday. I picked up the car Tuesday and took it back misfiring with the engine management light flashing. The...