Motor home rip off

Me359

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Bought my motor home in March 2019 though eBay have now received letter from lawyers saying there was a charge on vehicle.The company I bought of have gone burst and the guy has done a runner with the money has anyone else had this experience
 
Me359 said:
Bought my motor home in March 2019 though eBay have now received letter from lawyers saying there was a charge on vehicle.The company I bought of have gone burst and the guy has done a runner with the money has anyone else had this experience
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Send the letter back.” Not known at this address “. No need for a stamp.

Late edit. Please do not take any advice that comes from me. Being elderly, I often forget to type, lol or put a 🙄 on.
I’ve still to find a “ tongue in cheek “ emoji. If I typed TIC, for tongue in cheek, there are some who’d suggest I’ve developed a nervous twitch.

Oh! 😂 lol
 
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Yes I brought a transit van many years ago. which hab hp still on it.
At the end of the day it belonged to then .I hab to settle the outstanding hp.
Speak to a solicitor . Once they find location of your van they will send some one to collect it.
 
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Your protections by e bay will depend on exactly how you purchased it and how you paid, see Here. The extra protections when buying vehicles are only available in USA and Canada.
I’d agree that citizens advice and a solicitor may be worthwhile.
 
There are a load of Chausoon owners with the same problem. Is it an x Unbeatable Hire.
 
Sorry to hear of your predicament - I hope you can work something out with the finance company.
There is a chance you can tell them to 'go away'
Apparently you do have a defence, and that’s section 27 of the Hire Purchase Act (1964). This says that if you buy a car in good faith and the vendor doesn’t tell you of any outstanding finance agreements, you still have good title to the car.
Hope this advice I gleaned from an HPI site is good

Either way this is a reminder to do an HP check whenever we buy a vehicle.
As the site says a £20 check can save a lot of hassle.
 
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Followup on post#9
If you find others in a similar position a lawye acting for all of you might work.
one might argue that if the comapny went bust the original finance provider was negligent in risking THEIR money and so you are not liable for their bad decision making ! No idea really but......
Bust company ...who are the administrators ?
 
Probably little point in chasing a bust company.
We don't know what the 'charge' is but on basis of Hire Purchase then 'good faith' purchase should work.
And it's a good argument to start with in any other case.
The chasing company's first port of call should always be the person they contracted with.
My non legal view is that unless they've exhausted that route then they shouldn't be chasing you.
We've all seen enough bailiffs on tv to know that they have a lot of powers to recover debt.
However the finance company probably think that getting the vehicle back from you is an easier option.
I'm a bit surprised that it's taken then 18 months to get to you though.
 
jagmanx said:
Followup on post#9
If you find others in a similar position a lawye acting for all of you might work.
one might argue that if the comapny went bust the original finance provider was negligent in risking THEIR money and so you are not liable for their bad decision making ! No idea really but......
Bust company ...who are the administrators ?
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Is this a situation where making some of the payment on a credit card (between £100 and £30,000?) makes the CC company liable to cover this in the same way as when you buy something and it is not fit for purpose/doesn't arrive?
 
Isn't that what I said in post #10?

However this highlights a really good point - the finance company have to prove that you don't have good title.

It's interesting that a lawyer is writing not a finance company which makes me think that this may not be a hire purchase case.
 
wildebus said:
Is this a situation where making some of the payment on a credit card (between £100 and £30,000?) makes the CC company liable to cover this in the same way as when you buy something and it is not fit for purpose/doesn't arrive?
Click to expand...
This might be a better angle if the charge is something other than HP because that charge reduces the value of the motorhome.
Probably not to the extent of making it without any value but less than paid.
Provided the Moho didn't cost more than £30k of course.
 
Legally the vehicle belongs to the the finance company. Any idea how much is outstanding or what the company would settle for? The finance company will only chase for as long as it makes financial sense.

There are a number of ways you can stall repossession. Get the van to a friendly repair shop. You could have a fictitious bill for many thousands of pounds outstanding with them, or even get them to remove the engine.. the finance company won’t want to start paying to get a vehicle back if it doesn’t make financial sense. Of course, all this depends on how much is outstanding on the loan.

To you, this is your pride and joy. To the finance company it’s only money. The more difficult it is for the finance company to recover their loss, the cheaper it will be to buy.
Giving the vehicle back means you’ve got nothing in return for what you paid out. Trying to do a deal with the finance company means you’ll end up with something. Remember, they don’t want the vehicle back, it’ll only go to a specialist disposal company or an auction. Again, it all comes down to how much is outstanding.

(If you’re feeling crooked. You could strip out every moveable object and try and follow the van’s progress and buy it back!)

Unfortunately this is an all too common situation. I’ve always thought that the fact that the dvla won’t put markets on their database and take some responsibility is appalling (remember insurance database is linked to the dvla).

Hope you find a way to resolve you’re problem that doesn’t leave you totally out of pocket. Let me again reiterate that the finance company will deal you rather than have to repossess and don’t be frightened to make them an offer.

Good luck and reminder to us all to take precautions when buying from any supplier.
 
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