OK, I'll give you my 30 years experience in motor and asset finance and bow to your greater knowledge.

HPI originally only sold info to the trade who, as I've said, don't have the same protection as consumers.

More recently, like everyone else, they wanted more money so started selling info to the public.

If you buy a HPI and it reveals finance you aren't an innocent buyer anymore and I'd like to know the position if you find out either from HPI or the seller. My more recent experience is all in business to business financing - I got fed up dealing with consumer experts some time around 1992.