I asked the nasty man for a copy of the agreement and he sent me 1 photocopied part showing the figures and at the top it says Hermes Group Ltd then not regulated. They had actually paid off £29,000 off the vans. Maths is not my strong point. Thank you so much for replying jilly

Hi I wonder if you could help. what does "Hire purchase agreement NOT regulated by consumer Credit Act 1974 mean. The reason I ask is a friend of mine had two vans they paid £8517.14 on 24.07.07 they paid acceptance fee of £100 £863.75 x 24 No payments were missed until the original company were bought by another one. When they tried to carry on paying they were told too late. A week later some men drove from the opposite side right into the path of the driver of the van on there Private Road (with signs saying so) They stole the keys dragged him out and took the van. They took equipment personal property, Sat NAV and Sat tracking system. The vehicle was tracked for weeks. The Police said it was nothing to do with them. The other van they have hidden away until i can figure out what to do as i cannot believe this is right. The finance company have rang and called in on a daily basis saying they have sold one van and want the other. Not only did they take the van without asking with no paperwork nothing but they will not say how much they sold it for but they kept the property in the van. Any ideas as this finance thug oops, person is getting quite nasty. Thanks jilly: