Jump to content


  • Tweets

  • Posts

    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
    • In the SAR, I received the original application, lots of computer print outs, yearly statements from 2013 and the new emails regarding my complaint. They sent me a £50 cheque after I chased them for the SAR after the 30 days. They said they was waiting for me to respond to an email (which I never received) before sending the SAR
    • classic P2G. I'm sure dianne and Lesley will pop an email to you at some point.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Car finance for deceased dad


ladyh0
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3514 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi All

 

first time on her so please forgive my mistakes (if any :|)

 

2011 due to marriage breakdown I had to move asap and leaving everything behind I needed a car. Long story short I went to carcraft, had bad credit but they told me if I had a "pensioner" who owned own home it was guaranteed finance. My dad was 71 partially blind and deaf but owned his home so (after 3/4 hours) finance was sorted out. I told them that dad had no driving licence (he has never had one) and the car was for me and they said no probs got dad to sign finance etc and my details for car. When registration docs came through car was registered in DADS name!!. contacted carcraft and they said normal procedure but just get it transferred into my name!!! Anyway eventually did and I transferred the monthly payments from my account to dads account as creation refused to transfer as finance was in dads name (understandable) Sadly my dad died on Christmas eve so I contacted Creation to advise and they registered death and said they did not do PPI so was I going to return car? Informed them that dad had no Estate assets and sent copy death certificate and not heard anything from them. Dad took equity release on his house before car was bought so after debts paid there are no funds left to pay off finance. I still have car and cannot get finance to pay off loan so not sure what to do now

Link to post
Share on other sites

Hi All

 

first time on her so please forgive my mistakes (if any :|)

 

2011 due to marriage breakdown I had to move asap and leaving everything behind I needed a car. Long story short I went to carcraft, had bad credit but they told me if I had a "pensioner" who owned own home it was guaranteed finance. My dad was 71 partially blind and deaf but owned his home so (after 3/4 hours) finance was sorted out. I told them that dad had no driving licence (he has never had one) and the car was for me and they said no probs got dad to sign finance etc and my details for car. When registration docs came through car was registered in DADS name!!. contacted carcraft and they said normal procedure but just get it transferred into my name!!! Anyway eventually did and I transferred the monthly payments from my account to dads account as creation refused to transfer as finance was in dads name (understandable) Sadly my dad died on Christmas eve so I contacted Creation to advise and they registered death and said they did not do PPI so was I going to return car? Informed them that dad had no Estate assets and sent copy death certificate and not heard anything from them. Dad took equity release on his house before car was bought so after debts paid there are no funds left to pay off finance. I still have car and cannot get finance to pay off loan so not sure what to do now

 

 

 

Hi welcome to CAG,

 

 

Has your fathers house been sold by the equity release company?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Hi welcome to CAG,

 

 

Has your fathers house been sold by the equity release company?

 

Not yet, we are in the process of getting valuations done. The car was financed over 4 years in early 2011 and payments were made up to March this year. The agreement was not a HP agreemint so I was really surprise when I was told there was no PPI as my dad was 71 when he took out the loan !

Link to post
Share on other sites

Not yet, we are in the process of getting valuations done. The car was financed over 4 years in early 2011 and payments were made up to March this year. The agreement was not a HP agreemint so I was really surprise when I was told there was no PPI as my dad was 71 when he took out the loan !

How much is outstanding on the finance?

I don't think your late father would have qualified for PPI.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

I don't know, I have contacted creation finance a few times. First time they wouldn't speak to me until I sent death certificate and when I did and tried to speak to them again the representative didn't have a clue what would happen he just kept saying are you ringing to arrange to return the vehicle so I gave up and wrote to them asking for a redemption figure. This was in January but have not had anything back from them apart from acknowledgement of death certificate.

Link to post
Share on other sites

If the car finance was a fixed-sum loan they cannot expect the vehicle back as the money was not secured on it. They would need to make a claim from the estate like anyone else - if there is no money left in the estate they'll have to move on.

Link to post
Share on other sites

I don't know, I have contacted creation finance a few times. First time they wouldn't speak to me until I sent death certificate and when I did and tried to speak to them again the representative didn't have a clue what would happen he just kept saying are you ringing to arrange to return the vehicle so I gave up and wrote to them asking for a redemption figure. This was in January but have not had anything back from them apart from acknowledgement of death certificate.

Typical Creation anything out of their routine completely phases them!

 

 

I would suggest a Formal Complaint now, address it to Jaques Darrigade Director, use signed for post.

I don't think you'll get anywhere with customer (dis) service.

If you need help please let me know.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

If the car finance was a fixed-sum loan they cannot expect the vehicle back as the money was not secured on it. They would need to make a claim from the estate like anyone else - if there is no money left in the estate they'll have to move on.

Defo fixed term.

 

 

Which is why Creation has gone quiet.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Yes I have checked the agreement and it is deffo a fixed term. I will do as you have said and write to the director. Thank you for your help and advise and I will update when I get a reply (if any)

Link to post
Share on other sites

Yes I have checked the agreement and it is deffo a fixed term. I will do as you have said and write to the director. Thank you for your help and advise and I will update when I get a reply (if any)

Good Luck!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • 3 weeks later...

Hi all by way of update I wrote to Creation on 26th August 2014 and have still had no reply.

 

 

Should I just leave it? Also if they do not intend to proceed will I have difficulty if I ever want to sell the car, will it show as having o/s credit against it ?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...