I need some advice my husband brought a car through a friend?

I need some advice
my husband brought a car through a friend of a friend for cash but prior to doing this he had his friend a machanic look over the car we also did an check on car at www.mycarcheck.com (the day before buying happened)
which i have a Gold Check on car which came back clear so hubby proceeded to buy car for cash. then we get the log book in post all in hubbs name address etc then 3 weeks approx he receives a letter from a finance company called british credit trust claiming they own the title of the car and they want it back, hubby explaine he purchased the car in good faith had checked the car out and nothing to his mind was weird car check was all green so he is innocent buyer
what i need to know is what do we do from here they want hm to fill out a questionaire that asks a lot of personal innformation which to be fair why do they need his as we didt take out the finance with them.
we are that honest hubby had said we still owe 800 on car they want that money too know
im confused and worried hence being up so late, am off to the police in the morning as im worried they may take the car... please any advice gratefully received
Additional Details
am in uk

also had an experian hpi check done today (they day i received letter from british credit trust)
which also came back as no finance owing

Andy G

if you paid for the hpi check then as a part of the check they gaurentee that their information is correct up to Â£10,000 so you shouldnt worry about it you can contact the dvla and they will be able to give you a list of previous owners and addresses. Stop worring go to sleep phone dvla, and the company that you purchased the hpi check from.

Bardic

Actually, I think you're being scammed. What you say doesn't ring true. Are you sure this letter is from that company? It'd be worth ringing them on a number YOU obtain (not from their letterhead) to check. The phrase "owning the title" is not one commonly used in English English, so to speak, it's an American expression.

Furthermore, if it IS genuine, their beef is with their debtor, not you, and they would be pursuing him for their money for some time before looking to repossess their property. Nor would they need any personal information about you. Taken with your clear checks, I don't believe it.

kelly_f_1999

well it sounds like your old man get one of the worse things buying a car with no tittle which is next step after handing over money so now the 800 if thats how much is owe on car shoul dbe payed to loan company who owes it

anubisyellow

If your insurance company has legal aid, contact them and ask them as the car will be registered via dvla and they will be able to see if its registered to anyone or anything else and if you have legal aid it is should be free through insurance. Or try CAB they good too.

entidtil

Since you are in the UK and me in the USA, I can only say that here, I would never fork over a farthing until and unless I have a valid merchantable title in my hands first. A check on car fax or some other place is no substitute for having a valid title in hand. I believe you are relying too much on those "reports" In the end, they mean little, as you have found out. Here in the USA if .a title is not furnished, then one can never own the car. If things are the same there, I would guess that the guy you bought the car from never had a title for it either. Sounds as if the guy he bought it from still owes money on it.. Return to the guy you bought it from and insist on a valid title ot get your money back and give the car back to him.. He may have to do the same thing but that will be his problem since it appears that Both of them broke the law

oklatom

Start by asking the friend it was purchased from. He would know if there was a balance owing. But the main question is this: Did you get a clear and current title when you bought the car, and did you immediately go and transfer ownership to your name? Did you then get a clear title back in your name?

If you're answer to those questions is "yes" you own the car. Period. tell the company asking for your information that you have a clear title with no lien holder, and to quit bothering you. If they feel they have a legitimate claim, tell them to put it in written form. If they do, answer with a copy of your clear title. If they continue mention harassment, and follow through.

This of course is dependent on YOU having a CLEAR title to the vehicle in hand. If you don't, your "friend" may have scammed you.

Speedyy

Steven P

never buy a car without a title, if the friend did not give you a title then he committed fraud.

Enter Your Message or Comment

User Name:
User Email:
Post a comment: