Taxi Driver Online

I did it with LTI - half way through my agreement.

I was going to do another deal with them prior to that, but they reneged on the deal that was agreed on - Sooo that gave me great pleasure in doing what I did. I then got a deal off the Internet borrowing the same amount of money and saved myself £4K over 5 years on interest.

I cannot see as to how it would affect your credit rating, as you are only adhering to the terms of your agreement.

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if you cannot be yourself, then who can you be.

I handed a Citroen relay back to Black Horse/lloyds once half the total amount had been paid, its part of their standard agreement


especially for citroens......

It'll always be on record that the company lost money on you, anyone silly enough to think they can simply hand a pile of junk back owing 5k is mistaken, ok you won't get a baliff round over it, but sometime in the future when everyone else is paying 8% interest the best you will get is 15%+ offered.

Just see it if you had a punter who had a ride and the ride was 15 quid and he only had 6 quid on him, would you take him home again next week?

It should say near the bottom of the agreement, that once you have paid half of the outstanding amount you can hand back the vehicle.

Be careful,,,ive been pretty well shafted by my local car dealership from which ive bought several new cars over the years....Usually the balance is on an blackhorse HP agreement over 60 months....this time though they changed to Santander and unbeknown to me the balance on my last purchase was a Loan...completely different rules apply, no walk away option here, Im extremely p*ssed off with the dealership because they never explained the fact that I wasnt getting an HP agreement..As im not a financial expert I just assumed I was getting a similar Contract.

dont think i'l be buying a car from them again..

If I remember correctly you need to have paid back half of the purchase price (minus any trade in), as well as 100% of any extended warranties or insurances covered by the deal, plus all interest to date.

This isn't a nice get out clause put there by certain finance companies.
It's part of the consumer credit act and included in all HP deals.
Personal loans etc don't have this clause.

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well theres no mention of any loss by black horse finance regarding the van on my credit file.....

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Of all the things ive lost, i miss my mind the most

There shouldn't be. You have kept to the terms of your agreement.

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http://wingsoverscotland.com/ http://www.newsnetscotland.com/

id have taken 50 lashes just to get rid of the blasted heap

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Of all the things ive lost, i miss my mind the most

Be careful, someone from the Wirrel may volunteer to administer such punishment.

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Grandad,

dont tell max moseley...

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Of all the things ive lost, i miss my mind the most

Make no mistake they do not and will not lose money on the deal as it will have been very well thought out. They will out that car through the trade and probably make a few extra "K" on it.

I cannot see that handing the car back is blighting your credit history - you have after all complied with the terms and conditions - what more could they ask for.

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if you cannot be yourself, then who can you be.

After the sale of the vehicle if there is a surplus, they have to give it to you.

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Grandad,

Now you are having a laugh - aren't you.

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if you cannot be yourself, then who can you be.

It's true, however they sell them off at trade auctions.
Unless you have paid considerably more than 50%, there is little chance of a surplus.

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