This is very unfortunate.
When you say the vehicle is on finance, do you mean the original 'owner' had a finance arrangement in place? Or have you entered into a financial arrangement?
I will assume there was finance in place. Therefore, if there is a finance arrangement in place before you purchased the vehicle then the vehicle belonged to the finance company until all repayments have been made.
You have you options (1) try to recover the money you paid to the seller for breach of contract. Did you buy private or from a trader? How did you purchase the vehicle, cash/credit card/loan. How much did you pay? Do you have receipt of purchase/written contract? If you paid cash with a verbal contract it will be more difficult.
(2) how much finance remains unpaid on the vehicle? You could, depending on the amount, pay the outstanding finance. This may not make financial sense if a considerable sum is outstanding.
I would imagine that option 1 is best. If you have the necessary paperwork work and details then you can sue the seller using the online service, money claim online.
I hope this helps. Please let me know if you have any questions or queries.
I am just checking in with you to see if you have any further questions or queries in respect of my answer. I would be happy to assist you further.
If not, please can I ask you to take a moment to accept/rate my reply. Otherwise I will not get paid for the time I have taken to consider and type my reply. Thanks.
The seller who sold the motorhome to you apparently did not have title to it. Therefore, on the face of it, is in breach of contract with you.
Is there a written contract between you and the seller?
You have a receipt at least.
Did you buy from a dealer or private individual?
You do have more rights against a dealer than a private individual.
You will need to contact Shawbrook and inform them of this.
You have a potential claim for breach of contract against the seller.
How much did you pay for the motorhome?
I am not so sure that it will be that simple. It will depend on the terms of the agreement you have with Shawbrook and also the terms of the contract between the dealer and Shawbrook.
Due to the considerable sums involved and the potential complexity of the contractual arrangements between the dealer and Shawbrook plus between you and Shawbrook this is definitely exceeding the advice that can be given via this website.
My suggestion is this, call Shawbrook and explain the situation. Do make detailed notes of the conversation and take the name(s) of who you speak too. I strongly recommend that you find a local solicitor who specialises in litigation / contractual disputes. Many solicitors offer a free or reduced fee initial consultation.
Clearly there is a potential claim but this would need to be assessed by reference to the contractual paperwork.
I am just following this up. Did you get to speak to Shawbrook today?
I would be interested to know how you got on.
I would be interested to know how you got on with Shawbrook.
Thank Gavin for the update.
Good to hear Shawbrook will cover this. That must be a relief for you.
I hope you get a good result. Good luck