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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

spamheed

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Everything posted by spamheed

  1. spamheed
    Assuming that TVL turn up at a property with a warrant and maybe a police presence to prevent a breach of the peace. If the householder simply left the house and locked the door behind them, would TVL be allowed to force entry to the now empty property?
  2. spamheed
    Great news and well done on the outcome, However, b e aware that OFSTED have a long memory and will generally do anything to screw over anyone who has previously had the audacity to question their judgement. I worked with kids for 13 years and gave it up in the end when it became apparent that our OFSTED inspector really didn't have time for males working with children and when we questioned certain aspects of their inspection report, they blocked us at every turn.
  3. spamheed
    So we were sent a copy of the stamped Bill Of Sale, which we verified with the courts, registered correctly It turns out that the original loan was being serviced and had not been defaulted and they were trying to maximize their returns on this loan They didn't want to repo the car, but just wanted us to be aware that they owned it and could repo it at any time they wanted. Told them I'd simply revert the car to scrap value and let them get on with it, car would be worth maybe £70, would cost them at least £200 to lift the vehicle without its wheels or any of the other parts we'd added. In light of the fact there was no way they would make money out of this deal playing hardball, after a couple of phone calls we managed to get the charge down to a couple of hundred pounds, not great but better than having to strip all of our parts off this car and buy another car. it truly is a criminal system, where an innocent buyer can be robbed legally by an unscrupulous lender
  4. spamheed
    as the lady in the enforcements team advised me yesterday, there are quite a few companies who register bills of sale, so the identity of the company registering the bill would be of little use, you would need the name and address of the person who took out the loan or the number of the agreement against which the bill of sale was raised and in my case they weren't the person I bought the vehicle from, so such information is unavailable to me, cheers
  5. spamheed
    Just for the records, the courts cannot search for a bill of sale using the vehicles registration number, you need the court case number (from the bill of sale) or the creditors details, just spent a pointless day chasing around trying to find out if the Bill of Sale is authentic etc, only to eventually be told what I actually need and that in all likelihood, it will be registered because these companies have lost so many times because of this, that it's prudent to do so
  6. spamheed
    Lets hope they've cocked up with the BOS then
  7. spamheed
    So we will try to keep the car away from home and out of sight Not overly concerned if I am there, it's the "turning up in the middle of the night and lifting the car situation" which concerns me In fairness the person I spoke to did say that the amount they wanted to release the vehicle was negotiable, but when the car is valued at about £400 and their starting position is close to £2000, negotiations don't bode well. we shall see what they produce by way of documentation. I was hoping they would consider the fraud element from the persons selling the car, rather than the lbl company I have done well (historically) out of companies such as these and a few far larger keeping poor documentation, or none at all. As this is not CCA related I am in unfamiliar territory. Are they required to hold a copy of the logbook, or would the BOS be sufficient for them to prove "ownership"
  8. spamheed
    Yes Dx, have read them, very useful, to a point, If the police become involved can they still lift the car? Yes that's what I thought, they would have to force their claim
  9. spamheed
    Yes a lbl is against the vehicle at the moment The car was bought for only a couple of hundred pounds, so no HPI checks were done, It was a private sale and they aren't answering the phone at the mo Yes will be calling the courts to see if the BOS is registered and the LBL company are allegedly sending me a copy of the BOS as held by them.
  10. spamheed
    This I know, but do they need to first obtain an order from the court. obviously we'll check that the BOS is correct and registered and any other authorities are in place, but in the mean time can they simply roll up and take the car The loan was taken out by the person who owned the vehicle before the person who sold it to us, so we are seeing the police as firstly it shouldn't have been sold to him and secondly I reckon the person who sold it to us, only did so because he was contacted by the loan company and that would constitute fraud, ie. knowingly selling goods to which you have no rights. This being the case, can they simply send out a lifter and take the car, or would they need to go through the courts first
  11. spamheed
    Cutting a long story very short, bought a car in May 2016 for a few hundred pounds, have received a letter from Loans 2go saying vehicle was subject to security by the owner previous to the one we bought from and to contact L2Go. Called them this morning and asked to see copy of BOS and authorisation over the vehicle, they said they would release their clam for over three times what we bought the vehicle for. the amount requested is laughably high, the vehicle would be worth maybe £200 at auction, the person on the other end of the line said we have 10 days to respond Obviously courts are closed for the weekend. Advice please Have reported the matter to the police as a pontential fraud
  12. spamheed
    Cutting a long story very short, bought a car in May 2016 for a few hundred pounds, have received a letter from Loans 2go saying vehicle was subject to security by the owner previous to the one we bought from and to contact L2Go. Called them this morning and asked to see copy of BOS and authorisation over the vehicle, they said they would release their clam for over three times what we bought the vehicle for. :-x the amount requested is laughably high, the vehicle would be worth maybe £200 at auction, the person on the other end of the line said we have 10 days to respond Obviously courts are closed for the weekend. Advice please Have reported the matter to the police as a pontential fraud
  13. spamheed
    Cheers muchly for that, pretty much as advised, although I will get her to keep an eye out for multiple fees on the same LO, as I'm not sure how they have applied them up to now. It did look like they'd charged a fee against each account, but then they may have a seperate LO for each one and be serving them individually, not sure as yet. My understanding is also that when Rossendales have exhausted their respective options, it would need to be returned to the council for re-evaluation or for transfer to a proper court session, let's hope it goes that way and she gets the option to negotiate a real repayment schedule, instead of having one imposed on her
  14. spamheed
    Hello, it's been a while and just wondering if anything has changed. I have a customer who has three council tax accounts for previous years which have been handed to Rossendales, the initial (pre fee) amounts come to about £1000, no doubt will be substantially more by the time Rossendales add their pound of flesh. same old story, she offered a repayment amount, they want treble her offered and won't budge. It used to be the best advice was to simply ride ride it out, lock the doors, relocate the car, allow no access and sign nothing and hide everything, so they couldn't get a WP, try to get the accounts returned to the council, is this still the best advice? What is the general period they have to collect on an account before it's returned?
  15. spamheed
    I had Cabots over an Egg agreement like this, in my case the single premium PPI was included in the total of the loan agreement, we argued that it should have had its own agreement. The agreement they sent was was a multiple agreement, the cash loan was unrestricted use credit within Section 1 1 and the policy loan was restricted use credit under S.11 (1 ) the cash loan was a debtor-creditor agreement within S 13 ©. and the policy loan was a debtor-creditor-supplier agreement under s.12, the policy had a linked transaction under S. 19. and was a unitary agreement within S.18 (1) (b) and a unitary multipart agreement within S 18 (3) being one agreement with two disparate categories of credit within it. We got them on this, the misselling of the PPI (as kindly confirmed by egg), the fact that they couldn't explain their numbers correctly, they had redacted their Deed of assignment for "commercial reasons", so effectively couldn't rely on what couldn't be read. but they tried to bluff right to the end. Also if and when you send a SAR, you should ask for and expect the terms and conditions of the PPI agreement, which they are obliged to furnish as it's stated on the agreement Cabots eventually discontinued My thread covering this can be found here: http://www.consumeractiongroup.co.uk/forum/showthread.php?225933 if you look at post #23 there is a copy of the agreement they sent to me
  16. spamheed
    Absolutely not and if they try something sneaky to obtain a judgement, then having it set aside shold be little more than a formality, with the obligitary claim for costs
  17. spamheed
    Cheers Andy, that's what I had found, nothing of any consequence, only cases where the customer had taken them to court. SillyGirl, I availed myself of OFGEM regulations where, if they increase their prices in the middle of a contract you are free to walk away without penalty, (look into it) so I did, I was paying for 20Mbps broadband, and was lucky if I got 4mbps and they did nothing to help I am now with BT and pay a lot more, but am getting 34Mbps, so happy enough, just the letters are starting and they're making threats, there is a clause in the t&c which states that if the customer leaves early then £200 must be paid for the youview box, but I have never received one, so I think they're taking the proverbial
  18. spamheed
    Just a general question. I was fortunate enough to get out of a contract with TalkTalk recently, due to their increasing their rates mid term, so have gone over to the more expensive, but equally faster and more professional BT. Anyhow, I cancelled the direct debit and now have them trying to apply a further (final) payment against the account, they have also stated they want me to return a Youview box that I have never received, they have even gone as far to produce vague unspecific Tracking information in support of their claim. As I cannot return what I do not have, and I will not be paying fees which I regard as unreasonable and unwarranted, what is the chance that TalkTalk will attempt to go down the litigation route?
  19. spamheed
    I have given Mr Smith a three point plan to follow, to ensure accounts are separate, check that new utility provider is still on, or if dates could be moved forward, and to settle the balance as soon as possible. I believe that they placed Mr Smith onto their most expensive tariff after the contract was underway, then when he complained they said they'd lost his original agreement with the agreed prices on it. I suggested that he place the monies not being paid to them to one side so he won't have as much of a shock when he has to settle, but that's outside of my sphere of influence.
  20. spamheed
    I agree wholeheartedly with this, however they have mostly placed themselves into something of a situation with their previous duplicitous behaviours when, after years of telling "customers" that their accounts have been "sold" to a different company and then have to produce documentation which proves that they were lying through their teeth
  21. spamheed
    It looks as if the utility company have now terminated the contract with Mr Smith and have started to supply Takeaway Ltd by default, ie on an uncontracted basis, they have sent a letter to Takeaway Ltd stating as much. I believe that Mr Smith will allow this situation to continue until the new contract is in place and then pay the small outstanding balance in the name of Takeaway Ltd. Mr Smith has also received a termination letter from the utility company in the name of "Mr Smith Takeaway Ltd", which I think is naughty given that the contract was solely in the name of Mr Smith. I have advised Mr Smith to contact the utility company to ensure the name of Takeaway Ltd is removed from the bill and the two names are kept entirely separate as I see this as a deliberate attempt by the utility company to join the accounts and liability
  22. spamheed
    Just for info: It turns out FC are distancing themselves from the "Trading Style" of Connaught Collections.
  23. spamheed
    Thank you for your comments my friend, all is fine and dandy, I have come a long way since I foolishly allowed them to get the CCJ in the first place and have few problems dealing with whatever they decide to try.
  24. spamheed
    I know there is a chance they will attempt to go for a charge, or try to bluff me into accepting a voluntary charge, but interested if it will be allowed in court if the CCJ is being serviced correctly in line with the order and there are no arrears
  25. spamheed
    In about 2006, First Credit obtained a CCJ against me , I knew no better and simply attempted to mitigate my losses, to that end the payment plan I entered into will take them 40 years to get anywhere near the full amount owed. I have paid Connaught Collections ever since, no payment has ever been missed. Letter from Connaught this morning stating that the debt has been sold to First Credit Legal department. Question 1. Are First Credit and Connaught still the same company? Question 2. Is there any likelihood that they will attempt to go for a charge on my property after all of these years? Question 3. Is it likely that they are just being stupid and not realising that this is actually a CCJ and they are going to try to squeeze me for an increased payment?

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