Lied about HPI, now owe us £54k and refuse to pay!! In 2016 we purchased a car for £32,500 from Car Van Finance Ltd (“CVF”), trading in our car, which we owned outright, and taking out a personal loan for the remaining half owed. During the course of the purchase we did an HPI check online and it flagged that there was some sort of outstanding finance on the car, but the check gave no further details. We queried this with CVF and they told us that it was simply a stocking loan, and it would automatically clear upon payment for the car. They told us this by email, and also added it to the invoice so that we had it officially in writing. This turned out to be a lie. A few months after we purchased the car, VW Finance’s solicitors sent us a very aggressive letter demanding we return the car, which they still owned. It turned out that a former Premiership footballer had financed the car and owed them the outstanding finance. CVF knew this, but instead of paying the funds to VW Finance, they instead claim to have paid an unknown third party, all without our knowledge. In April 2017, VW seized the car from us. During this very stressful time, all CVF kept telling us was that they were ‘sorting it out’, but of course they were not. They failed to refund us, failed to even apologise for their deceit, and we were left with no choice but to take legal action against them. In July 2018 we obtained a CCJ against CVF, which they failed to pay. They appealed against the CCJ, leaving us with further legal costs, and in January 2019 the court heard the case, rejected their appeal and awarded us additional legal costs. CVF now owe is around £54,000 but they continue to ignore the debt and refuse to pay. I only rated one star because zero isn’t an option on this website!