Hi I just found out that my mh has got a chattel mortgage on it can anyone advise me&

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Dollysjg said:
Hi just found out that my my has a chattel mortgage on it
Can anybody help with advice
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I had not heard of this before but as we will be looking to upgrade, forewarned is forearmed. I am sorry that you are in this situation, I do hope you get some kind of satisfactory resolution soon.
 
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Move / hide it away from your home and advise the ‘owners’ that you’ve placed a lien on it?
 
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Dollysjg said:
Hi just found out that my my has a chattel mortgage on it
Can anybody help with advice
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You do need to get good qualified legal advice. Have you checked your various insurances? Quite often they will provide independent legal advice cover. Alternatively try Which? or even Citizens Advice. In any event most lawyers will give you a free 30 minute consultation.
 
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Dollysjg said:
Hi just found out that my my has a chattel mortgage on it
Can anybody help with advice
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Steve Bishop and The Most Dangerous Detective - FRAUD SQUAD INVESTIGATES MOTORHOME COMPANY CRASH

If your purchase was from Unbeatable Hire the link above is an online article by Steve Bishop detailing the case of someone in the same boat as you. Gist of the article is lady in question is trying to gather as many people affected together to fight it. End of article is Steve offering to pass on details if you care to contact him.

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Dollysjg said:
Hi just found out that my my has a chattel mortgage on it
Can anybody help with advice
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Just another thought. Have you actually established that the loan has not been paid off and that the company that sold it to you has gone out of business?

Another route to some recovery may be through your credit card company.
 
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Legal advice is just that, advice, but its the first thing you should do (after moving the motorhome into a safe place) I hope it all works out for you, but remember that its prob not just you that has lost out, but probably the person who originally 'purchased' it, although I appreciate that doesnt help you. it seems very much like a pyramid scheme to me, that kept going until they could find no more investors and the ones who initially invested prob got some money back as others joined the scheme.

i feel for you and all the others and i only wish the 'directors' could be jailed for this scam, but i surmise they will hide behind the limited company protections and get to keep their ill gotten gains which to me are 'proceeds from crime' ....
 
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Sorry to hear about your problem. It does seem to relate to Chausson moho. I'm a member of a Chausson group and it has been discussed there.
A separate Facebook group has been formed an I attach a screenshot showing its name. I believe Erica is a group coordinator. Wish you the best

Screenshot_20210114-161733_Facebook.jpg
 
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A Facebook group has been set up for people who have purchased these vans. I’ll try to find the link to the group for you.

Edit: sorry, it’s the one that JM53 posted above
 
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JM53 said:
Sorry to hear about your problem. It does seem to relate to Chausson moho. I'm a member of a Chausson group and it has been discussed there.
A separate Facebook group has been formed an I attach a screenshot showing its name. I believe Erica is a group coordinator. Wish you the best

View attachment 456308
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I believe there’s another group too. I’m not sure which is the biggest group but trying to get a link to the other group.
 
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Like others before me, can only recommend getting legal advice, if it came from Unbeatable I'm guessing that the owner of the motorhome is not getting his chattel mortgage payments, so he may be looking for his van! If Unbeatable haven't paid all the repayments to him. Part of the deal was if anything went wrong with Unbeatable then the motorhome becomes the property of the mortgagee! Seek advice asap, when I had mine it was all based on the chassis number. Good luck.

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Legal cover through your MH insurance has been mentioned, but also see if you are covered for this on your house insurance.
We did this after what happened to Robert because of an incident in his job as a paramedic and what the Scottish Ambulance Service did to him.
Suffice to say the Insurance appointed an impressive law firm and we won an out of court settlement against them.
So in short if you can win against something big as the SAS/NHS you can take on these crooks.
I wish you the best of luck.
 
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Mrsambulancekidd said:
Legal cover through your MH insurance has been mentioned, but also see if you are covered for this on your house insurance.
We did this after what happened to Robert because of an incident in his job as a paramedic and what the Scottish Ambulance Service did to him.
Suffice to say the Insurance appointed an impressive law firm and we won an out of court settlement against them.
So in short if you can win against something big as the SAS/NHS you can take on these crooks.
I wish you the best of luck.
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Good advice, I took on my own insurance company several years ago when they tried to renege on a policy I had with them, the irony being I used the legal protection supplied as part of the policy! Got advice re ombudsman findings previously which I quoted to them chapter and verse and they reversed their decision within 5 minutes of receipt. Keeping my fingers crossed Dolly that somewhere you have an out and the real culprits at Unbeatable are brought to book.
 
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Swifter said:
Inciting someone to commit fraud on this forum should result in a permanent visit to Coventry .
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Only if they live in the area,Otherwise illegal travel, :cry:

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How would someone go about checking for this form of outstanding finance? Surely you're not expected to check through all 810 charges just to see if your chassis number is on one of them? Is a chattel mortgage the same as a logbook loan as the HPI check website states it checks for these: https://hpicheck.com/outstanding-finance-check
 
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HPI have chattel mortgages lodged with them for checking but there may be firms who don't register these with them so not 100% reliable i.e. you could do a check with them and be told nothing if it wasn't registered with them. Don't think there is any other resource they use than they're own when checking.
 
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Jim said:
Thats right, and if you want to share the dock with the dealer you could sell it just like he did :doh:
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i will give you tten to one bet that no one will see the inside of a dock over this unless they did a last minute £1 deal to a patsy
 
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IanFraser said:
HPI have chattel mortgages lodged with them for checking but there may be firms who don't register
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It's astonishing the lack of consumer rights here. How is anyone supposed to buy something in good faith if they can't check the details of the car because those who have a claim to the vehicle have been too lazy / complaisant to register it with the HPI firms?
 
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Maluisarot said:
It's astonishing the lack of consumer rights here. How is anyone supposed to buy something in good faith if they can't check the details of the car because those who have a claim to the vehicle have been too lazy / complaisant to register it with the HPI firms?
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There are lots of consumer rights, and those rights are against the company that sold the vehicle. And a consumer would have an easy claim against the company in this case. The problem is that the company has gone bust and has got no money to pay.

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peterc10 said:
There are lots of consumer rights, and those rights are against the company that sold the vehicle. And a consumer would have an easy claim against the company in this case. The problem is that the company has gone bust and has got no money to pay.
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Anyone who bought one of these vehicles effectively has no rights from what I understand. The person listed on the Chattel mortgage has complete ownership of the vehicle and the purchaser is out of pocket. They can't even claim their loss back on the HPI company.

The company may have gone "bust" but where did all the money from those illegal vehicle sales go? Those who commited the fraud still have it and have set up another company doing the same thing and the victims aren't entitled to any of it?

There is no consumer protection at all in this circumstance
 
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pappajohn said:
Neither was it the previous keepers..... But they did.
I don't understand why they aren't chasing the seller instead of the innocent buyer
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Exactly this!
It's what happens in nearly every other case where a vehicle is sold fraudulently with outstanding finance.

It's not even like potential buyers can check this type of finance is outstanding. A log book only lists the number of previous owners, not their identity and therefore impossible to do a background check on the vehicle to make sure there isn't a chattel mortgage on it.
 
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Maluisarot said:
It's astonishing the lack of consumer rights here. How is anyone supposed to buy something in good faith if they can't check the details of the car because those who have a claim to the vehicle have been too lazy / complaisant to register it with the HPI firms?
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HPI did say it’s in firms interests to register these, I think they were covering their backsides a little when they said they couldn’t guarantee this 100%. You could always contact them to ask if these ones were registered, there’s a contact page in their site and they’re very good at replying 😀

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IanFraser said:
HPI did say it’s in firms interests to register these
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Absolutely agree it would be but the problem here, I think, is that most of the chattel mortgages are owned by a large number of individual personal investors rather than a company or large firm who specialise in providing finance or investments.

Individual private investors may be less likely to know how to register with HPI and I imagine HPI wouldn't be able to give an answer as to what private investors were not registered with them.

The whole situation is a real shambles.
 
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