I am here. I'm trying to find whether I'm guarantor on the agreement but don't seem to have been sent all the pages. I thought I was a guarantor but it would appear by my signatures that I took out the HP.
It is only my name on the first page of the agreement.
The payments came from his account.
I'm so confused because of everything went pear shaped and I was not kept informed of the return or selling of the car by either parties but yet am held responsible for the money
I think you need to resolve that confusion by having some very frank conversations with your son.
Unfortunately he is not around to do so
Speak to the finance company too - they must be able to clarify "who" spoke with them etc., and that might tell you all you need to know.
I guess either way - if your son has pretended to be you and handed your car back - he is the one in the cross hairs and liable to be sued here.
I just need to know my rights as either the guarantor or the HP person. I know for sure that he didn't pretend to be me. It was the deal struck up by the car company as he was not in full time employment
SO you're saying the finance company wrongfully took your car back without your consent then. In that case, it would be liable for breach of agreement and you would like be discharged from having to pay anything further. Also, if you have lost out financially by having to replace the car like for like, you should be able to claim that from them.
The starting point would be to make a complaint to the finance company and get their written reply.
Then if you're not happy, you can complain to the financial ombudsman service.
Thank you. I'll pursue this line further
Finally could you confirm that I'm paying for a one off answer as I did not sign up for monthly fees but need to make sure that this is the case.
I will email customer services once you've rated the answer and closed the chat to confirm that you do not want to be a subscriber.
Yes ok thanks.