Firstly, apologies for not responding to those of you that came back to me after my post – thank you for your advice and suggestions. But I decided to grow up and take the bull by the horns…. I called the finance company concerned. I queried why they still have an outstanding finance marker registered against my car with HPI. I was told there is finance outstanding and that I was taken to court over the matter – very true, I said. I then told the customer service person that I have a letter from a DCA stating that they purchased the debt from the finance company and that they are the legal owners of the debt. I then told the customer service person that I have a letter from the DCA stating that my account with them is closed with a balance outstanding of £0.00. Had to hold the line for about 15 minutes while the customer service person checked with a ‘supervisor’ but when she came back, she said the HPI marker had been removed and that I would receive email confirmation (which I did... today). RESULT!!!! Can now legally scrap the car……what a relief......

Was advised by DVLA that I can't legally scrap it with the HPI marker on it. Told them about the letter from DCA stating no balance outstanding but was told this wasn't good enough.

I fell into arrears with a hire purchase agreement. I eventually incurred a county court judgement – I’m not absolutely sure of the date but I think it was sometime during 2007. In March 2009, I received a ‘judgement for delivery of goods’. Afterwards I heard nothing from anyone about repossessing the vehicle. In August 2011, the debt was sold to a debt collection agency and apart from the usual correspondence requesting unrealistic amounts to settle the debt, nobody made any contact to arrange repossession. In January 2018 I received a letter from the debt collection agency stating that my account is closed and that ‘we have recently reviewed your account and decided to take no further action to recover the balance. We have closed the account’. Where it should show a balance outstanding in the letter there is £0.00. The car has been parked on my drive (not the public highway) with no tax or insurance for over 6 years. I now want rid of it and want to scrap it – the car is now 20 years old and it’s not financially viable to get it back on the road. However, I recently paid for a HPI check and found out that the finance company still have an interest registered on the car for what I think is the original CCJ amount. Is the finance company allowed to do this given that I have a letter from the debt collection agency stating that I no longer owe the money? How can I get the finance company to remove their interest with HPI given that they sold the debt on? All guidance gratefully received. Thank you.

Hello there, Thanks for the response. Here, briefly, is what has gone on so far (feel free to let me know if you require any additional information)… · Received claim form from Northampton County Court Business Centre on 17/10/2014 (issue date is 14/10/2014). · Claimant is Cabot Financial, address for sending documents etc. is Restons Solicitors. · Sent a CPR 31.14 request by recorded delivery on 20/10/2014 to Restons with a copy (also by recorded delivery) to Cabot. Also sent my acknowledgement of service to Northampton by recorded delivery on the same date requesting more time. · Received yesterday from Restons a response telling me that because I did not sign my letter to them (I printed my name) they are not going to respond to my request and that “please ensure that all documentation is signed failing which we will not acknowledge receipt nor provide any response” (they sent my letter back to me by the way so we can safely say they received it…) As well as requesting the items mentioned in the particulars of claim, I requested a copy of the default/termination notice and some other items to help me with my defence. Restons make no reference to any of these in their response. I have a strong suspicion that the debt may be statue barred but until I get the information I need from Restons or Cabots I can’t be sure and I'm not sure what Restons/Cabot have to gain from trying to get a judgement in their favour when they know they shouldn't be....are they professionals or what? Can Cabot/Restons just ignore my CPR request and could you explain to me the benefit of a CCA request in addition to what I've already done? Kind regards and thanks once again.

Hi All, Recently responded to Claim form issued by the parties named above. Issued CPR request to Restons copying Cabot. Restons have replied stating they will not enter into correspondence with me because I did not sign my letter (I printed my name). Anyone experienced this before? How do I respond? Thought they were legally obliged to provide documents contained in their particulars of claim if asked to do so by defendant?? Thanks.