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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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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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Has anyone dealt with this group in the past?

I viewed a car for my other half at this used car dealership early this week.

 

The car was priced at £6950 (approx); she liked the car and paid £1000 as a deposit whilst they applied for finance for the vehicle.

 

They came back with a finance arrangement that shows the amount to be borrowed as £6950 (or thereabouts) plus a whopping interest rate that puts the total amount repayable at more than £13k. The latter, I can understand, since she doesn't have good credit.

 

But the £1000 deposit seems to have disappeared in all this, but they say that it has been accounted in the finance agreement.

Edited by dx100uk
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whos the financing fleecers

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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On our initial visit to test drive the car, they tried to . They tried to sneak in an additional £600 towards a 2 year warranty. I clearly told them that we are not interested in the warranty. They asked for a deposit of £1000. The deposit was taken with a proviso, " subject to finance".

ANyway, when they cam eback with the finance offer, they had dishonestly added the warranty price despite us opting out of it.

 

The owner of the place is now refusing to return the £1000 if we cancel. It feels like he is bullying my wife into agreeing to the ridiculous finance offer or she loses her deposit!

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whos the financing fleecers

 

Advantage finance.

 

I'd like to add that they financed my car three years ago and it was smooth. And the monthly payments were not too bad. The additional charges such a Acceptance fee, option to purchase etc seem to be inflating the price.

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so its not a std HP agreement if its got option to purchase

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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I have seen an option to purchase fee with the last instalment on an HP agreement (typically around £100). How much is the option to purchase fee Advantage are stating ?

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I have seen an option to purchase fee with the last instalment on an HP agreement (typically around £100). How much is the option to purchase fee Advantage are stating ?

 

I think it was around the £140 range.

 

I must add that despite all the fuss I kicked up, the mrs has gone and accepted his offer because she needs a car urgently. :-/

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If I remember gk it's part of a group of three with differnt names but same owners

 

Expect the warranty to be useless - brother in law had an issue with the flywheel on his a week after purchase

 

2 years later and it's been on the drive for nearly a year as everything it goes in for repair it gets bodged then they report it's fixed to the finance

 

ALas the brother in law "can't be bothered" to make a fuss as he has about 6 cars

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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