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Message: <blockquote data-quote="arulkl" data-source="post: 649899" data-attributes="member: 28224">tIANcI - can you sue before a default happens?I was under the impression that the hirer is always the registered owner - until a default happens (default doesn't mean only non-payment as I believe there are other events of default where the financier can declare an event of default). Until a default, the financier is a beneficial owner. I thought only when a default happens, does the financier have the right to enforce their rights under the HP act and can repossess the car etc. And that's when the financier can sell the item under hp and they become responsible for the item.The above is merely my limited understanding - and I am most likely mis-informed so wanted to check the correct position.</blockquote>