millermicm and Surfero are right.
As the van has an outstanding HP arrangement then the dealer did not own the van and thus did not, in law, sell you the van. By the same token you do not own the van. The van is still owned by the HP company.
It has been suggested that paying off the HP my be cheaper than involving lawyers and that is sound advice. Nothing against lawyers, but you do have to weigh up the perils of litigation before you embark on strict legal challenges.
The issue here is that you cannot sell the van so you need to get it sorted. You need to take control rather than wait for others to act. The dealer is at fault and should reimburse your money. The dealer could pay off the HP company to get legal title to the van and then pass that title over to you.
Suggest, in writing, a meeting with Dealer and HP company. If the dealer will not assist, then go directly to the HP company and see just what debt is outstanding and what it will accept to transfer title to the van to you. Once you have agreed a sum write to the dealer and ask it to pay that sum otherwise you will and will sue them for the money.
The important issue here is to get the process evidenced in writing so that if it does come to suing the dealer it will be wrong footed on a defence where it can be shown that it had the opportunity to sort the problem out much earlier. It helps your case if you do get to court especially in getting an order for the dealer to pay your costs. You may have to get lawyers involved if the dealer will not assist.
Phil
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If you're not on a fell your wasting your feet and for 2014 it's.......Feb Castleton Mar North Yors Moors; Apr Sutton on Sea; May Thirsk; Jun Clapham/Riverside (Lakes); July Wharfedale; August Crakehall; Sept Knaresborough; Oct Wirral Park/Clitheroe
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Topic: hp outstanding
