Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
just read a few complaints about carcraft so thought I would add my recent experience.
made a long detour to visit one of their sites last night to check out a car that appeared good value. I conformed all the details on the phone with them so was quite keen to buy, have done all my research and knew what I was looking for.
the car is advertised as a VW Passat SPORT, however when I get there it turns out to be a S. The Salesman, who knew virtually nil about VW's tried to tell me it was a SPORT. Unbelievable. I think they maybe deliberately mis leading in their descriptions on their website as they just explained it as one of those things, and did not even apologise.
I could not believe how they operate, the car is on their website at £17,000, but because I had seen it on the web I could buy for £14,995.
Has anybody ever paid the full price?
i went into carcraft today looking for a vehicle to use as a runabout for business. i chose a vectra cdti which was priced at 13995. afterchecking the car's value with various motor traders who i know and with vauxhall, the retail value was established as being 12k. so they were asking 2k above retail book.
i neg the price down to 12,250, an acceptable price for the car. then the finance side. Carcraft offered me a flat rate of 7% which i was unhappy with as i have recently bought my wife a new car at a flat rate of 4.5%.
they told me that the best rate they could do was 7% as they had dropped the price of the car. i agreed, supplied my details and awaited the results of my credit check.
i am extremely up to date with contents of my credit file and subscribe to both equifax and experian who keep me up to date with any changes to my files. I have a good rating.
Carcraft said that i had been declined by 7 out of 8 companies applied to and that they had got me accepted at a flat rate of 11% (23% apr).
i flipped.
to cut a long story short, after lots of internet based investigation-
carcraft are actually selling sub prime finance, they make there profit from selling expensive insurances and expensive sub prime finance, not to mention that all of there cars are thousands over book value.
they do not offer prime finance.
they lied to me by saying that i have been declined by 7 companies trying to get me to accept a high interest rate finance agreement.
there are pages and pages of complaints about the above on the net.
surely what they are doing is ilegal. i checked my credit ratings when i got home and they remain unchanged.
the av joe who walks in will almost certainly be caught out by there high finance rates and expensive cars and insurance's.
carcraft
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