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    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
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      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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Uh Oh! Bought a car with outstanding finance...


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Hello, I'm ashamed that this has to be my first post but this seemed to be the best place to put this forward!

 

I recently purchased a car from ebay and like a fool I didn't hpi it prior to paying or collecting the vehicle. Hindsight being a beautiful thing... The seller was pleasant and we got on but the transaction did happen very quickly as it was a short listing too. I deemed the transaction to be in good faith and all was well until this morning curiosity got the better of me and I ran an online check of the vehicle.

 

It appears that it has outstanding finance from January this year and the seller I purchased the car from had only had the car 1 month. It would be easy to assume that he had bought the car without doing prior checks and sold it on fast in a fit of panic but I will give him the benefit of doubt.

 

I now have a car in my possession which legally I don't own. Given the time line the previous owner did not legally own the vehicle either but given that he was an innocent party (let's assume this) where does this leave us?

 

I made the purchase via my credit card through Paypal and as I understand it I could squirm out of this situation under Section 75 of the Consumer Credit Act 1974 especially as there are parts of the car that do not meet certain details of the ebay ad. I did not meet the seller face to face, I paid online, then I went to pick up the car. In the back of my mind I knew that paying via credit card would give me some insurance but do you think that I am covered in this instance?

 

I genuinely like the car and in an ideal world the one that owes the finance company should pay up and we can all live happily ever after but assuming that doesn't happen, what's my best plan of action?

 

Thanks all.

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  • 11 years later...

last post unapproved

thread closed as from 2007!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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