How do I find out if this bike is on HP?
Answers:
In the strictest terms you cannot find out any information regarding payments, as the loan is in your ex's name, and he is covered by the data protection act.
If the loan is registered (i.e was taken out at your address and is still registered at your address - if he hasn't changed his address with the loan company) there is a (sneaky) way round this. You would need to submit a request to Experian (www.experian.co.uk for more info) as if you were him, requesting a copy of his credit file (you would have to pay by postal order £2 - a cheque or debit card payment would obviously be traced back to you!) The credit file information would give you the balance, term (how long the loan was taken out for) and would obviously display missed payments. Obviously, ordering his credit file is illegal so I'm not suggesting you do it - it's for you to make a decision on.
The only other way is to use a company like RAC - they do HPI checks on their website http://www.rac.co.uk/web/vehiclechecks/s.
this cost £24.99 but it will provide information regarding whether the vehicle is on HPI.
It's a very tricky situation - because as I'm sure you are aware the vehicle can be repossessed whether the ownership documents are in his name or your name as you are aware the vehicle is on finance.
The only onther way around it is to try and re-register the bike with the DVLA in your name, so you become the registered keeper. It is now possible to do this without the 'tear off' strip off the V5 but I'm not sure what the procedure is - try their website.
Then if the baliffs ever do come knocking you can claim that he sold you the bike and you were unaware that it was on finance - if the loan company is not very pushy you may get away with being classed as an innocent purchaser.
The only comfort I can offer you is that if he doesn't pay the loan it will be him that suffers later - he won't be able to get credit! The other consolation is that if the bike was bought 2 years ago then he will have paid more than a third of the credit agreement, and the company will not be able to retrieve the vehicle without a court order, which takes a couple of months. Also it would be unusual for the finance for a bike to be more than 3 years so it maybe nearly paid for by now.
Hope it works out for you - ex's are rubbish!
There are many companies that will check up on the status of credit agreements on vehicles - the site below lists most, with consumer ratings of them. You can have a look through and see which one seems best for you.
On a personal front, what the hell were you doing with some moron who needed to have some sort of hold on his girl? If a relationship is not 2-way, and equally balanced, you have done the right thing to get out of it!
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