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Hire purcnotice of termination?hase
if you receive a default notice for car finance,and says you are no longer in posseion of the goods with our consent ,and is to be made available for collection who actually owns the car and who is liable for the road tax any one help Additional Details the tax runs out at the end of the month should i buy more if the dont collect by then
under default notice they own the car, but you are responsable to tax it untill they collect,when they collect take the tax disc off annd surrender !
Ellie
Sorry, if you have defaulted the car is no longer yours- but you paid for the road tax so i would whip the disc out and send it back to the DVLA before the car is repossessed. You have to send a disc back as near to the end of the month of possible to be able to claim a full month because they only will only give you back full months.
Duffer
The total amount payable under the agreement is the cash price, + the interest, + the option fee (see the agreement details). After you have paid 1/3 of this total (including any deposit) the lender cannot repossess without either your consent or a court order. Many times a termination notice is served as a prelude, in order to crystalise the amount of the monetary claim (the arrears etc.) I suggest you do the arithmetic and if you can pay the arrears. In any event, talk to the lender. If you had done that earlier, the situation may have been averted!
jamand
Until the debt is paid the car is the property of the lender - the road tax etc is yours - you can remove and get a refund.
welcome news
If you are paying for goods under a hire-purchase agreement then you are actually 'hiring' the goods from the supplier. If they say that you are no longer in posession of the goods with their consent then they are going to reclaim them and if you attempt to prevent them then you are guilty of the tort of 'conversion'. I would call them and advise them that you accept the position and that from the moment of the call that they are responsible for the vehicle under all circumstances.
With regards to the road tax, I have to assume that once you receive this letter then responsibility for the goods resides with the lender i.e. you are not responsible - however you should read your contract.
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