consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-
Come and chat with us here (NB: External site NOT affiliated with CAG)

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> General Consumer Issues


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 24th July 2008, 00:53   #41 (permalink)
Conniff
Platinum Account Customer
 
Conniff's Avatar
Default Re: private buyer wants to take me to court part 2!!!!

Here is what CAB has to say.

http://www.adviceguide.org.uk/c_priv...boot_sales.pdf

This part is interesting:

Quote:

Refund
You probably won't be able to return (reject) faulty goods and get your money back because goods brought from private sellers do not have to be free of faults.

Last edited by Conniff; 24th July 2008 at 01:01.
Conniff is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th July 2008, 09:38   #42 (permalink)
Rob S
Platinum Account Customer
Default Re: private buyer wants to take me to court part 2!!!!

It seems that when you bought the bike that you did all the right things in respect of having a HPI check. It was not your fault that the insurance company failed to record the fact that the bike was a Cat C write off and you have the paperwork to back you up on that. It was only investigation by your claimant that revealed this.

It might be worth your while to do another HPI check on the bike to see what it shows up now.

As for where you stand, it is still very much a case of buyer beware and I don't believe the case put before the court will alter that in any way.
Rob S is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th July 2008, 12:43   #43 (permalink)
JonCris
Platinum Account Customer
Default Re: private buyer wants to take me to court part 2!!!!

If the bike was written off BEFORE you owned it then it's very unlikely they will succeed. Also with a private seller there is no requirement to voluntarily disclose such information unless directly asked the question
JonCris is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th July 2008, 19:58   #44 (permalink)
The GodMother
Platinum Account Customer
 
The GodMother's Avatar
Default Re: private buyer wants to take me to court part 2!!!!

So now they have claime u new about the rite off.

Do you have paperwork to say that u did not. if so i dont think the would win.
The GodMother is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th July 2008, 23:48   #45 (permalink)
JonCris
Platinum Account Customer
Default Re: private buyer wants to take me to court part 2!!!!

The OP doesn't have to prove a negative. They have to prove he did know
JonCris is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th July 2008, 00:55   #46 (permalink)
The Plough
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2008
Posts: 16
The Plough Novitiate
Default Re: private buyer wants to take me to court part 2!!!!

Just subcribed... Good luck Yellow... some good points in this thread
The Plough is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th July 2008, 14:47   #47 (permalink)
yellowt5r
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2008
Posts: 26
yellowt5r Novitiate
Default Re: private buyer wants to take me to court part 2!!!!

found out today the company where the bike came from according to some paper work has closed down due to the owner has done a runner as the was alot of people after him cause he sold alot of dodgey bikes.

reply to godmother;the buyer just thinks i knew the condition of the bike (cat c write off) when i bought it but i never had any idea.i honestly think experinced biker wouldnt off even been able to tell as the bike was in such good condition.as stated before the bike was HPI clear so i was very happy to buy it.
yellowt5r is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th July 2008, 14:53   #48 (permalink)
yellowt5r
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2008
Posts: 26
yellowt5r Novitiate
Default Re: private buyer wants to take me to court part 2!!!!

Quote:
Originally Posted by JonCris View Post
If the bike was written off BEFORE you owned it then it's very unlikely they will succeed. Also with a private seller there is no requirement to voluntarily disclose such information unless directly asked the question
the buyer has put in the evidence he ask me was "everything working ok" as everything was at the time i said "yes to my knowledge",but he has just stated i said "yes".

also asked "has the bike has been crashed or dropped" again i said "no since in my ownership" he has just stated i said "no"

again its going to be hard to prove but his son was with him at the time no doubt he will say i only answered "yes" or "no" which could be a problem for me.
yellowt5r is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th July 2008, 14:55   #49 (permalink)
yellowt5r
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2008
Posts: 26
yellowt5r Novitiate
Default Re: private buyer wants to take me to court part 2!!!!

now i have got this form to fill out to say weather i shall defent or not does this mean it will definatly go into a court hearing??
yellowt5r is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th July 2008, 15:12   #50 (permalink)
JonCris
Platinum Account Customer
Default Re: private buyer wants to take me to court part 2!!!!

Quote:
Originally Posted by yellowt5r View Post
now i have got this form to fill out to say weather i shall defent or not does this mean it will definatly go into a court hearing??
You not a dealer so can't be expected to know about the bikes history before it came into your possession..

Did they or the court send you a response pack with their N1 claim form

What are they claiming have they supplied you with their particulars of claim If not you can write on the form that as the claimant has failed to particularize their claim I am unable to plead & leave at that because it's important before you prepare your defense that you know what they intend to rely on in court

If they have you have 14 days from the date of issue to acknowledge receipt of the claim. If you say you will defend the full claim & where it says particulars of claim write particulars of claim to follow you have a further 14 days in which to prepare & lodge your defence
JonCris is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th July 2008, 18:40   #51 (permalink)
The GodMother
Platinum Account Customer
 
The GodMother's Avatar
Default Re: private buyer wants to take me to court part 2!!!!

can u post the POCS?
The GodMother is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th July 2008, 21:29   #52 (permalink)
yellowt5r
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2008
Posts: 26
yellowt5r Novitiate
Default Re: private buyer wants to take me to court part 2!!!!

Quote:
Originally Posted by The GodMother View Post
can u post the POCS?
hi sorry whats POCS?

EDIT;ok i know what poc is now.well its 14 pages long!!some how he managed to waffle on so much its turns out to be 14 pages
yellowt5r is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th July 2008, 22:42   #53 (permalink)
The GodMother
Platinum Account Customer
 
The GodMother's Avatar
Default Re: private buyer wants to take me to court part 2!!!!

the claim form is 14 pages long
Iam amazed the staff did not fall asleep reading it. Let alone the judge when he gets to read it.
The GodMother is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 26th July 2008, 11:35   #54 (permalink)
yellowt5r
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2008
Posts: 26
yellowt5r Novitiate
Default Re: private buyer wants to take me to court part 2!!!!

so does this mean ill have to stand in court for 100% or will they decide they will accept the case or not after i put in my defence in?
yellowt5r is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 26th July 2008, 11:50   #55 (permalink)
The GodMother
Platinum Account Customer
 
The GodMother's Avatar
Default Re: private buyer wants to take me to court part 2!!!!

No.
the case has been accepted and now u need to put your defense in, try not to make it 14 pages.

The courts will send a copy to the claimant and the claimant will get 28 days to asses what u have said then to tell the courts if they want to proceed. If they dont inform the courts further then the case will be stayed.

If they inform the courts hey want to proceed then u will get a allocation questionairre threw where u can have to case move to ur local court.
The GodMother is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 26th July 2008, 11:58   #56 (permalink)
yellowt5r
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2008
Posts: 26
yellowt5r Novitiate
Default Re: private buyer wants to take me to court part 2!!!!

ok thanks for that.ok cant understand why they have accepted it though the buyer even states the crash wasnt on the HPI and the company who had the bike after the crash has gone under due to the owner of the company was wanted for selling dodgy bikes but the buyer some how presumes i knew about the damaged when i bought it (but not true at all)how can they honestly accept it?

did they bother to read all 14 pages??
yellowt5r is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 26th July 2008, 14:21   #57 (permalink)
JonCris
Platinum Account Customer