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.
i bought a BRAND new VW Passatt in june 2004. i paid the £500 deposit with my credit card in april 2004.
to say the car was problematic is an understatement!! its been in & out of the garage 34 times in less than 2 and a half years!!
i kept on complaining to the finanace company i bought it from, in this case i got it direct from VW's own company - VW FINANCE. i bought it over 5 years on HP.
they kept telling me i had to take it up with the dealer, which i did. time after time, but it KEPT on goign wrong and all kinds of faults and problems have occoured, costing me and also time off work, major inconveninece to myself and my family etc etc.
now, finally im exactyl 50% of the way through my finance agreement, so i have handed back the car - "Voluntary Termination", it seemed my only 'out' and seeing as VWF wouldnt take back the car (that was blatantly faulty - a 'friday car'!) i have had to put up with this for 2 and half years!!
as my knowledge of consumer affairs has been crap, im now playing catch up - im asking:
1. do i have a case against VWF in any way - as they 'made me keep' and repay a car that was not working properly, if so what do i need to proove and present?
2. as i used my credit card to intially pay the deposit - do i have any way i could claim against the credit card company?
any ideas or suggestions would be greatly appreciated!
HSBC BANK ** DECEMBER 2006 - RECEIVED CHEQUE FOR FULL AMOUNT!!!! ** £5967.00 LLOYDS TSB **JANUARY 2007- RECEIVED CHEQUE FOR FULL AMOUNT!!!! ** £1340 HSBC BANK - Managed Loan/Interest
still chasing, have submiited claim thru MCOl - date sent to my local court - claim is going ahead Jan 29th 2008 CURRENTLY CHASING
NATIONWIDE (WIFES ACCOUNT)
HSBC (managed loan) others won:
CAPITAL ONE C/CARD (mine & wifes),
BOXCLEVER TV RENTAL, BHS STORECARD, BLACKHORSE FINANCE,HSBC PPI INSURANCE FOR SBL, PPI INSURNACE FO LLOYDS TSB LOAN,