Car on finance

lfcsean101

Hi all
Please move if in wrong thread

Just looking for advice please

I bought a car on finance two years ago agreed a monthly payment and term everything was ok,
But I tried to buy a new car and I’m not able to because I don’t work and didn’t work when I got my current loan
The garage where I bought the car said I was working but I wasn’t and now I don’t know where I stand with the car
I don’t want to pay for it because it was applied for incorrectly because they said I was working but I wasn’t but I did sign the agreement can anyone help me please ?

antix80

It's your car and it's your loan. Enjoy

lfcsean101

antix80 wrote: »

It's your car and it's your loan. Enjoy

I want the Garage to get me a new loan and they shouldn’t have lied on my application

corglass

lfcsean101 wrote: »

I want the Garage to get me a new loan and they shouldn’t have lied on my application

Regardless of who prepared the application, the signatory is responsible for it's accuracy and implications

lfcsean101

corglass wrote: »

Regardless of who prepared the application, the signatory is responsible for it's accuracy and implications

Yes but he made up my job details

C3PO

You signed the application for the loan so it was you who said you were working?
Effectively it was you who lied on the form - I would tread very carefully OP!

lfcsean101

C3PO wrote: »

You signed the application for the loan so it was you who said you were working?

There was no application to sign he just put it on a computer

CoBo55

lfcsean101 wrote: »

Hi all
Please move if in wrong thread

Just looking for advice please

I bought a car on finance two years ago agreed a monthly payment and term everything was ok,
But I tried to buy a new car and I’m not able to because I don’t work and didn’t work when I got my current loan
The garage where I bought the car said I was working but I wasn’t and now I don’t know where I stand with the car
I don’t want to pay for it because it was applied for incorrectly because they said I was working but I wasn’t but I did sign the agreement can anyone help me please ?

Help you do what exactly?

colm_mcm

lfcsean101 wrote: »

I want the Garage to get me a new loan and they shouldn’t have lied on my application

You also wanted the original loan but were ok with them lying.

lfcsean101

CoBo55 wrote: »

Help you do what exactly?

I think I should get my money back and be able to buy a new car ?

lfcsean101

colm_mcm wrote: »

You also wanted the original loan but were ok with them lying.

I didn’t know he lied I told them I wasn’t working

colm_mcm

So where is the issue, you got the car and the loan you wanted.

Plumbthedepths

This can't be genuine.

C3PO

Is this a joke?

un5byh7sqpd2x0

If you’re not working, you can’t afford a new car so you’re stuck with the one you have.

colm_mcm

C3PO wrote: »

Is this a joke?

I’d say so.

lfcsean101 wrote: »

I also would love a job in Customs,i would take a massive pay cut to get into but i think i would love the role,Hoping with Brexit new roles may come up

lfcsean101

colm_mcm wrote: »

So where is the issue, you got the car and the loan you wanted.[

I told the bank I never worked and there saying now to stop paying and I want to get another loan

colm_mcm

The bank is telling you to stop paying?

Also:
What do you think the chances are of getting another loan?

lfcsean101

This is a 100 percent genuine

Fann Linn

lfcsean101 wrote: »

I think I should get my money back and be able to buy a new car ?

D you really think you can just give back a two year old car and get your money back?

lfcsean101

colm_mcm wrote: »

The bank is telling you to stop paying?

The bank told us to stop paying until they look at it all

chiefwiggum

I'm throwing on some popcorn here..anybody want some?

Plumbthedepths

chiefwiggum wrote: »

I'm throwing on some popcorn here..anybody want some?

Extra butter on mine before the thread closes. ;-)

howardmarks

2020 has been a strange old year

fitzparker

So you have been able to pay for a brand new car for 2 years with no job and now cause you cant get a brand new 2020 car (still with no job) you want all the money back on the 2 year old car you got when you had no Job?

So originally he filled out the details on the screen and put in a job for you and you got too excited and said yeah its grand without looking?

classic

CoBo55

lfcsean101 wrote: »

The bank told us to stop paying until they look at it all

They did in their hole...

lfcsean101

My main question is can I get the money back that I have paid for the car and take the garage to court for lying on my application

CoBo55

chiefwiggum wrote: »

I'm throwing on some popcorn here..anybody want some?

Me too...

frozenfrozen

lfcsean101 wrote: »

My main question is can I get the money back that I have paid for the car and take the garage to court for lying on my application

the main answer is no

Plumbthedepths

lfcsean101 wrote: »

My main question is can I get the money back that I have paid for the car and take the garage to court for lying on my application

Best to consult a solicitor. I bet you'll win your case, please keep us informed.

Pete123456

lfcsean101 wrote: »

My main question is can I get the money back that I have paid for the car and take the garage to court for lying on my application

No, you are always ultimately responsible for the application for finance if you signed on the dotted line

lfcsean101

CoBo55 wrote: »

Me too...

What should the garage and sales man not be liable for lying ?

Heres Johnny

One of my friends, civil servant, is suing another of my friends, mortgage broker, for getting him a mortgage loan he says he can't afford because it's in negative equity. He was very happy to be economical with truth when getting it but not now all of a sudden.

You're bonkers OP. Pay the loan back.

lfcsean101

Plumbthedepths wrote: »

Best to consult a solicitor. I bet you'll win your case, please keep us informed.

I’m ringing my solicitor tomorrow
Are you been serious or sarcastic ?

colm_mcm

lfcsean101 wrote: »

My main question is can I get the money back that I have paid for the car and take the garage to court for lying on my application

What if they just say you told them you were working?

SCOOP 64

lfcsean101 wrote: »

My main question is can I get the money back that I have paid for the car and take the garage to court for lying on my application

Lost here ,so after 2 years of paying of for car only now you want to report that the garage lied on your application?

CoBo55

lfcsean101 wrote: »

What should the garage and sales man not be liable for lying ?

I'm only here for the popcorn. .

GhostyMcGhost

lfcsean101 wrote: »

but I did sign the agreement

The. End.

Doesn’t sound like you read it. No point complaining 2 years later

This must surely be a wind up. If not, OP, you can always apply for a job in fossets

fitzparker

Stop getting loans for brand new cars if you don't work, its not the smartest thing

pay off the original one first

lfcsean101

SCOOP 64 wrote: »

Lost here ,so after 2 years of paying of for car only now you want to report that the garage lied on your application?

Yes because they shouldn’t have lied ?

as_mo_bhosca

"Who's that trip tropping over my bridge?" said Ifcsean101

Plumbthedepths

lfcsean101 wrote: »

I’m ringing my solicitor tomorrow
Are you been serious or sarcastic ?

Me, sarcasitc? Can't even spell the word.

lfcsean101

colm_mcm wrote: »

What if they just say you told them you were working?

I told them I wasn’t and when I rang him he was like what’s the problem you wanted a car I got you a var you where happy to sign for it ?

chiefwiggum

You agreed to take the loan..you are as liable as the garage!

lfcsean101

chiefwiggum wrote: »

You agreed to take the loan..you are as liable as the garage!

That’s what I’m saying I shouldn’t have got the loan the garage takes responsibility

Plumbthedepths

Mods must be busy on the Trump threads.

MarkR

When you get something on finance, even over the internet, you'll get something in the post. You're advised to read it carefully, and advise if any errors. I'm presuming you received your documents? If you accepted it, by not contacting the finance company, that's you accepting it, and confirming all is accurate.

Did you hand back the car yet? If you've no job, how are you planning on paying for the loan?

chiefwiggum

lfcsean101 wrote: »

That’s what I’m saying I shouldn’t have got the loan the garage takes responsibility

Are you taking anything on board at all or are you waiting till someone tells you what you want to hear?

You took the car! You agreed to the deal! By taking the car and paying the finance you were complicit.
Buddy wise up . You're going no where with this

lfcsean101

MarkR wrote: »

When you get something on finance, even over the internet, you'll get something in the post. You're advised to read it carefully, and advise if any errors. I'm presuming you received your documents? If you accepted it, by not contacting the finance company, that's you accepting it, and confirming all is accurate.

Did you hand back the car yet? If you've no job, how are you planning on paying for the loan?

I want to hand the car back
I need a bigger car
I told the bank the garage lied
I rang the garage to sort it and he was saying nothing he can do because I told them I wasn’t working and that I signed for the car and was happy to take the car(but he lied not me ) and if I didn’t pay for it and with not working I won’t get a loan anywhere and that it’s not his fault that I can’t get a loan and he helped me out but he helped me out by lying

I think he should be liable I am not I have a lap and and a car that warranty is out on in January and I need a bigger car

GhostyMcGhost

If you’ve paid half the loan you can hand it back
If you’ve paid less than half, you can pay the balance of half the loan

This is contingent on never having missed a payment

If it’s PCP, you got the car 2 years ago, next year hand the car back or maybe you could sell the car to settle the loan but it could be very difficult to achieve the loan value

None of it entitles you to a refund on any previously made payments

lfcsean101

GhostyMcGhost wrote: »

If you’ve paid half the loan you can hand it back
If you’ve paid less than half, you can pay the balance of half the loan

This is contingent on never having missed a payment

If it’s PCP, you got the car 2 years ago, next year hand the car back or maybe you could sell the car to settle the loan but it could be very difficult to achieve the loan value

None of it entitles you to a refund on any previously made payments

61 months loan on a 2016 car with 23 payments made