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• Urgent! finance at dealer question? 8 Mar 2004 (Forum)
  we want to arrange a loan with her local bank and pay cash for the car at a lower apr. can we do this as we have signed the finance agreement, cos they still need the proff of address which is part of the finance is it not? and 1 final question, if the back said no, can we take a cheque from the AA for example down and we wouldn\'t have to wait for it to clear?
• Jaguar XJ - mileage discrepancy 9 Apr 2019 (Forum)
  Hi Could you give me a little advice, please? I bought a second-hand Jaguar 5 months ago on finance. I asked the finance company for a settlement figure as i was going to sell the car as I'm looking to move house. A trader said he could buy the car and settle the finance but he called me and said he does not want the car as it's flagged on the Hpi report as a mileage discrepancy.
• Handing Car back to finance Company 1 Sep 2006 (Forum)
  I have still over a 1 year off payments due on my vauxhall vectra, but want to get a new car. I have £2000 of savings which I could use to pay off car finance or put towards new car. It was suggested that I could hand my car back to finance company as i've paid more than half. Has anyone done this? Does to go against my credit rating? Whats the down falls?
• getting out of car finance 31 Jan 2004 (Forum)
  Car being repaired, new front door and sill. Because i have just paid two years off four year agreement. Can i give the car back to the finance company and walk away freeing me to buy another car with what i would pay anyway to the finance company. Feel car wont be the same wont enjoy driving it anymore. Anyone done this ie give a car back any problems???????
• Dimwits guide to car finance please? 25 Jan 2004 (Forum)
  I've checked out HJ's how to buy section which gets me started but I'm hoping someone can steer me to a site which goes through the ins and outs/pitfalls of buying with a loan AND specifically clearing finance when selling and buying another in the future. I've always had co cars but last yr bought a cheapish car with a cash lump sum, but I'd like something more expensive so this will be my first journey into the delights of car finance.
• Disclosing car accident to finance company? 1 Apr 2022 (Forum)
  I read terms and conditions of a finance agreement and it says that in an event of a loss or accident I must inform them of that. Just out of curiosity, if you’re insured and the insurance takes care of it why do I need to tell them? I thought with hp there’s less obligation
• Car Finance - PCP? 30 Nov 2011 (Forum)
  I am looking to buy a new car and on the face of it PCP looks the best way of sourcing my finance. I have thought long and hard about it but only seem to be able to come up with advantages. What's not so good about taking out a personal contract plan? Thanks, Tim
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  Finance company won't let us cancel - what are our options? 9 Jan 2016 (Ask HJ)
  A friend of ours purchased a car on finance a few months ago for us, but the car was faulty so we handed the car back and rejected it. However, the seller...
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  I've discovered my used car has outstanding finance - what can I do? 13 Nov 2013 (Ask HJ)
  I bought a used Audi A5 a few months ago from a main dealer. The car is going well but on looking through the paper work to get the car registered (as...
• Moving abroad: car finance 12 Apr 2006 (Forum)
  Has anyone got any suggestions for what he can do in this situation? The finance company is Black Horse. Cheers, David.
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  Bought on finance - what are my rights? 19 Jan 2015 (Ask HJ)
  Hi, I ordered a brand new Audi A3 in April 2014, the car was delivered in early July. On delivery I realised it was missing one of the options I requested,...
• This vehicle has finance recorded against it. ??? 22 Mar 2016 (Forum)
  I viewed a car today with a private buyer, priced competitively and I am interested so did a check on ukvehicle.com It came back :  This vehicle has finance recorded against it but the details show that the oustanding finance is on another car (different make/model ) that had the same private plate reg number on it at some point. The car now has a different (and generic) reg number.
• Fiats, Alfas, Land Rovers, Jags and Jeeps - Finance not recorded 21 Feb 2011 (Forum)
  The motor trade should beware buying "finance free" Fiats, Alfas, Land Rovers, Jags and Jeeps as Fiat's finance house FGA Capital, which handles new and late-used for these marques seems to have failed to record its credit agreements... After failing to lodge records with vehicle check agencies Fiat finance house FGA Capital UK Ltd, which also provides finance for Land Rover, Jaguar and Chrysler-Jeep is using 34-year-old case law to sue dealers who innocently buy their "finance clear" second hand cars FGA Capital UK Ltd, the finance house jointly owned by Fiat and a French bank is suing car dealers who have innocently bought vehicles marked "finance free" - even though it admits negligence in never recording their having financed the car with the standard "vehicle check" agencies HPI or Experian.
• Hpi Recorded on Security Register 21 Jan 2010 (Forum)
  I've just carried out an HPi check on a car I was intending to buy at a big auction tomorrow. It's a finance repo and it's showing as owing finance still which I guess is understandable until the finance co receive the funds. More worryingly though, it is also coming up as being recorded on the 'Security Register' - I hadn't even heard of this before but apparently car rental firms put their own cars on there to stop them being offered for sale illegally.
• Nissan X-Trail - car on finance, engine light comes on 30 Oct 2024 (Forum)
  I'm thinking the first moral of the story is always part finance a used car no matter how caked up with money you are as the finance company will make sure the dealer does the right thing. The finance co didn't just say "sorry we can't help you" so they must be doing "something".
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  I returned my car but the finance company is charging me for a missing service stamp - where do I stand? 17 Aug 2018 (Ask HJ)
  I recently returned my car under the voluntary termination clause. Upon returning the car, it was discovered that the dealer didn't stamp the service book...
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  Half time 11 Apr 2009 (Ask HJ)
  I bought a second-hand (2004) Audi A4 Avant 2.5tdi just over a year ago. It was bought on HP over a 3 year period. The dealer said at the time that if...
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  Finance agreement - when does the 'cooling off' period start? 15 Feb 2015 (Ask HJ)
  When does the 14 days cooling off period begin on financial agreements? Is it when I receive the agreement to sign on email or is it once I have signed...
• Letter from a finance company 11 Jan 2005 (Forum)
  SWMBO has received a letter today from a finance company that we have never dealt with. The letter advises that they have received info that my wife has bought a car that is subject to a finance agreement with them. They have enclosed a Category 5 fraud questionnaire for my wife to complete.
• Another question about car finance and purchasing 23 Feb 2015 (Forum)
  I want to buy a new car with a list price of £15,290.  With the manufacturers special four year 0% finance HP deal, there is a £1,250 contribution towards the deposit of 40%.   Is that it, or is there room to negotiate the actual purchase price down as well, so that £15,290 becomes say £14,500 off which the £1,250 is taken?