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    • Hi LFI, With regard to the ANPR cameras in your post #65, while I was on the phone to the Planning Department, they did take a look at Google Streetview and went back to 2012 where they could see the ANPR cameras in place so therefore they would have deemed consent. I had previously read the T&C Planning Regulations and had read the section on deemed consent so I understood the point they made on the phone. It doesn't matter though, that doesn't harm my case any, and I shouldn't really mention this now, but in the past I was a member of a scheme that gave me access to legal advice, I have spoken to a barrister previously through this scheme on another matter and I think I am still a member. I am going to check and if I still am,  I am going to discuss my case with a barrister or solicitor, whichever the scheme deems appropriate. I will let you know the outcome. I am also going to take Bankfodders advice in the sticky and go to the local court and ask if I can sit in on a case in the Judges office.
    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx Yes sorry. they called it a deed at first in court.  Then Judge said she was happy to have it sealed as something else  exact names of orders in message above.     The disease was tested for when his cardiac testing was done immediately after purchase and part of the now sealed case.   However, results were disclosed incorrectly and I only found out  two days ago.   This disease did not form part of my knowledge during the case as I had been informed of a normal result that was not the case.   it is perfect clarity of a genetic disease where as the previous cardiac issue could be congenital until the pup is genetically tested. 
    • Hi, Halifax recently sold a credit card account of mine to Cabot. I am unemployed and have no assets and was thinking of making token £1 payments for 12-18 months in order to drag things out a bit and reduce the chance of Cabot being able to get the correct CCA documents from Halifax if I requested them in future. However, I saw on the pages on this forum about defending county court claims that one of the standard approaches when defending such claims is to say “I had an account with bank X, but I don’t remember the details and so don’t know if I owe this debt…”. If I made £1 payments to Cabot, would it prevent me from using such a defence in future? OC: Halifax DC: Cabot/Wescot Card account opened: 2016 Defaulted: 2023
    • Paperwork says sealed consent order and composite settlement agreement      YES  ADDISONS DISEASE 
    • Hi, This may be the wrong place for a thread BUT If you receive a defence, can you send a CPR 31.14 request for document mentioned in the defence, and then apply to proceed with the case only after (14) days passed or they respond OR is it only if you receive a claim I see @dx100uk thread is for when you receive a claim, but can you also do the same when you receive a defence?
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hire Purchase agreement with 3rd Party Insurance


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I recently decided to hire purchase a car.

The car company allowed me 7 days to drive the car on their insurance, the finance agreement had not be finalised at the sale, but I was expecting a call.

 

Soon as I got home I immediately went online to purchase insurance, the cheapest Comprehensive insurance offer was over £7000!!!

 

I proceeded to purchase 3rd 'party only' insurance for £2500. I returned to the Car company soon after where it was then explained that the finance agreement requires Comprehensive Insurance!!!

 

With the best will in the world, we could not find Comprehensive insurance for less than £7000!!!!

 

I had not yet finalised the finance agreement and was prepared to walk away. The Car Company suggested and faxed the 3rd Party insurance to the finance company in the hope they would accept it no questions asked... They did!!!

 

I got the car, they got paid...

 

Only, when I purchased the insurance I had entered the date when I initially passed my driving test (4 years ago) and not the most recent pass after being revoked. My mistake was corrected by the Insurance company and due to the cost of the policies available, some as high as £10,000! I had no choice but to cancel.

 

I explained the situation to the Car Company and asked them if the Finance agreement is Binding because I didn't have 'Comprehensive insurance' as required.

 

They said that it didn't matter and after 'some negotiation' agreed to Cancel the finance agreement for £1000.

 

I am tempted to pay and end the nightmare, but feel a bit swindled if I do...

 

Confused.really confused!

Edited by Binding????
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Hi Binding????

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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Welcome to the site binding.

Will move your thread for further specific help.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thank you for your Help.

This is my first time posting, I have read some of the other posts and have seen some sound advice...

This is a much more relevant forum Thanks.

 

I didn't mention before that I have returned the car to the Company forecourt. It has been there for 3 Weeks and I am approaching the second finance payment.

 

During this time I have sent a letter to the 'Manager' of the Car company, and recieved no reply. During all conversations the staff have reverted to 'Pay £1000'.

 

I am unsure of my position if I speak directly to the finance company?

 

I would be grateful if someone had any guidance.

 

Thanks

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