Jump to content


  • Tweets

  • Posts

    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
  • 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

Moneybarn VT advice **SUCCESSFUL**


crispybacon
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2006 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

 

I have a car financed with Moneybarn that I am looking to VT and just want some advice.

 

I have almost paid 50%, and I know I can VT before I have paid 50%, however the next payment in September would take me over the 50% anyway.

 

Question number 1 - if I VT now, the money I would have to pay to make the 50% would be less than what I would pay if I waited until the September payment was made.

 

Obviously on that basis I VT, but reading peoples experience on the forum I'm concerned Moneybarn will want the money to make up the 50% and then demand the next contractual payment so are they legally able to do this as I thought statute law has precedent over contract law so as long as I pay the 50% they can't demand the next payment is that correct?

 

Next question - the car is due a service, so do I get it serviced before VT'ing the car as no doubt Moneybarn would then make a claim I had not taken reasonable care of the goods.

 

To put this in context I have invoices proving I have had the car repaired and serviced in the time I have owned it (2.5 years and have paid a LOT in maintenance), but sods law needs a service now - I just resent paying £££'s for a service on a car I'm not going to see again.

 

Thanks for any advice!

Link to post
Share on other sites

No just vt

No need for next payment nor service

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... 

Link to post
Share on other sites

ok follow the other MB VT threads here

don't forget

they cant charge you any extras!!

 

don't forget to take loads of pixs and video esp under the car and body work

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... 

Link to post
Share on other sites

coming home this morning and the engine management light has come on.

Took it straight to a garage and showing an intermittent fault that may be due to a sensor.

 

Does this affect the VT process?

Could Moneybarn refuse to accept the car with this issue?

Don't really want to cough up more money for a car I've already sent a VT letter for.

Edited by dx100uk
swearing spacing
Link to post
Share on other sites

nope not your problem

1. it shouldnt go wrong anyway [re consumer rights act]

2. its their car their problem.

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... 

Link to post
Share on other sites

Update:

 

 

Received the following from Moneybarn, already they are trying to take the position they can claim for loss if there is not a full service schedule.

 

 

 

Dear xxxxxxx

AGREEMENT NUMBER xxxxxxxx

REGISTRATION NUMBER xxxxxxxxxx

We received your notice of termination for the above agreement on xxxx August 2018.

Your contact details will now be passed to a company called BCA (British Car Auctions) who will contact you directly to arrange the inspection and collection of the vehicle, which we will agree to carry out free of charge. Please note they will be only able to inspect and collect between the hours of 9am until 5pm weekdays.

BCA will now contact you within the next 2 working days to arrange the appointment, and the appointment must be carried out within a period of 7 days from them contacting you. Failure to action this will mean the appointment of recovery agents, the cost of which would be billed to your account.

If you wish to contact BCA you can phone them on 0333 2414 208.

Please note that you must keep the vehicle fully taxed and insured until it has been returned.

You are required to also return the following items.

1. The Registration Document know as a V5

2. Service History Book / With FULL service record to Manufacturers schedule

3. MOT certificate if applicable

4. Spare keys

5. Sat Nav Disc if applicable

Please note that if you fail to return any of the above items, we will charge you for costs incurred in replacing them. Please be advised we are able to claim from you any loss we suffer as a result of your failure to take reasonable care of the vehicle and service the car to the manufacturer’s recommendations.

IMPORTANT NOTE: REMOVAL OF PERSONAL DATA

Please ensure you remove all evidence of personal data which may be left in the vehicle or on electronic devices fitted to the vehicle prior to return.

I look forward to hearing from you shortly. You may contact me on 0330 555 1520, or email me on [email protected].

Yours sincerely

 

 

The Asset Management Team

Link to post
Share on other sites

Thats mb for ya...

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... 

Link to post
Share on other sites

  • 2 weeks later...

Car was collected last week, V5 has been sent to Moneybarn, have proof of postage.

 

Had a bit of luck as engine management light had gone out again so no worries about that.

Guy who collected the car was impressed with its condition commented on how quiet the engine was, especially for its age and mileage.

Only a couple of chips and scratches, and some marks on alloys but nothing beyond reasonable for age.

 

Will see now how/if MB will try to stiff me over.

Link to post
Share on other sites

so all fair W&T then

this could be fund.

 

I was reading a thread on a motoring forum [don't know which] due the last 3.5weeks I've been on a touring trip that the mrs had found...

 

MB wanted to charge this guy £38 for missing numberplate fixing as he had put hid personalised number plate on the car and re-reg'd, then put it back just before he Vt'd it.

the car was brand new at purchase and he had only had it 4mts when he received a very large inheritance.

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... 

Link to post
Share on other sites

  • 2 weeks later...

Been over two weeks since car was returned, heard nothing from Moneybarn yet.

 

I've been keeping an eye on the BCA website and haven't seen it come up for sale there yet either.

 

If/when it does appear on BCA website I'll be keeping an eye on the auction date because if Moneybarn try to claim money for a 'polish' I'll be contesting that as car was sparkling when it was picked up (with photos to prove), so if it was sat in a yard for over 2 weeks then that'd be their problem if it needed cleaning afterwards.

Link to post
Share on other sites

they cant stop fretting.

 

the CCA clearly states this

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... 

Link to post
Share on other sites

  • 2 weeks later...

Finally receive letter from MB stating that final balance is in process of being calculated.

 

 

I've checked BCA website, vehicle is now listed, and is apparently a 'grade 2' on their condition report (1 being best, 5 being worst), so can't see on this basis they could claim nothing worse than fair wear and tear.

 

 

For amusement, this is what they state regards the final balance:

 

 

"In accordance with the terms and conditions of your agreement, various charges may be applied to your account before the final balance can be established. These may include:

 

  • Replacement V5 admin fee
  • Replacement keys fee
  • Personalized plate retention fee
  • Repairs or refurbishment fee
  • Loss of value (if you have not had the vehicle serviced to the manufacturers recommendation this will reduce the resale value of the vehicle)

Link to post
Share on other sites

nope under the CCA they cant claim any of those...

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... 

Link to post
Share on other sites

Another letter from Moneybarn today.

 

 

They are pleased to inform me that it has been determined that no refurbishment will be required on the vehicle and it is now being released for sale at auction.

 

 

They also recommend I contact them to discuss interim payments to reduce the current account balance.

 

 

What is interesting is that they show the current account balance as the sum of the balance outstanding as if the finance agreement is still in place.

 

 

They then state another figure that they call 'Half rule obligation at this stage' which is less than one months payment (and obviously what I owe under S100 of CCA).

 

 

Its a poorly worded letter as it implies I still owe the outstanding balance of the finance (not the half rule obligation) unless they are operating on the basis that this is a VS not a VT.

 

 

I'll update when I get more letters!

Link to post
Share on other sites

  • 1 month later...

Hi All

 

 

Just an update and closure on this one.

 

 

Letter from Moneybarn today, only outstanding amount was the remaining finance to take up to the 50%. No silly deductions for condition, polishing, missing service history, nothing like that.

 

 

I know this is different to some others experience so perhaps I've been lucky but from my experience use the template letter provided on here for VT, and take LOTS of photos to prove condition of the car when you hand it back.

 

 

Good luck to anyone else going through the VT process!

Link to post
Share on other sites

hey thanks CB for returning and letting us know.

 

glad to help..

 

dx

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...