If the car you bought is still on hire purchase

Summary

It's up to the finance company to prove that you don't have good title, rather than you having to prove that you do. But, you could write to them and explain that you bought the car in good faith and didn't know it was still on hire purchase or conditional sale. It can help to include: * the name and address of the person you bought the car from * details of how the car was advertised - and a copy of the advert if you have it * a copy of the receipt or other proof of purchase What you should do depends on whether you've got good title to the car. If you've got good title to the car, you should complain. Contact the finance company or look on their website to check their complaints procedure. If your complaint isn't resolved you can contact the Financial Ombudsman Service who will investigate for you. You could try and get your money back from the seller. If you bought from a private seller, tell them "I have a right to a refund under the Sale of Goods Act 1979, because you didn't have the right to sell me the car". If you bought from a trader, tell them "I have a right to a refund under the Consumer Rights Act 2015, because you didn't have the right to sell me the car". If the.

Key information

• •the name and address of the person you bought the car from
• •details of how the car was advertised - and a copy of the advert if you have it
• •a copy of the receipt or other proof of purchase
• •It's up to the finance company to prove that you don't have good title, rather than you having to prove that you do.
• •But, you could write to them and explain that you bought the car in good faith and didn't know it was still on hire purchase or conditional sale. It can help to include:
• •* the name and address of the person you bought the car from
• •* details of how the car was advertised - and a copy of the advert if you have it
• •What you should do depends on whether you've got good title to the car.
• •If you've got good title to the car, you should complain. Contact the finance company or look on their website to check their complaints procedure.
• •If your complaint isn't resolved you can contact the Financial Ombudsman Service who will investigate for you.
• •If you bought from a private seller, tell them "I have a right to a refund under the Sale of Goods Act 1979, because you didn't have the right to sell me the car".
• •If you bought from a trader, tell them "I have a right to a refund under the Consumer Rights Act 2015, because you didn't have the right to sell me the car".

Practical guidance

• •Source: [If the car you bought is still on hire purchase](https://www.citizensadvice.org.uk/consumer/buying-or-repairing-a-car/the-car-you-bought-is-still-on-hire-purchase/)

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