Was told by CAB last week to wait until trading standards had been in touch. As its now over a week and still waiting I rang CAB again this morning and was told trading standards would not contact me its now up to me to use the courts for redress. This trader has been selling like this for many years under the noises of trading standards and nothing is done to stop him, he tells you it was a trade sale and no guarantee is given and no deposits returned under any circumstances. He also claims membership of a trade association, but he is not a member, the association tell me they are taking legal action to stop him. There should be enough evidence in his advertising and statements of conditions of supply to make it a simple matter for trading standards to stop him trading. I was told by someone who knows him not to bother with the courts as even if you win it will be hard to get any money back all his stock will be owned by someone else. When I purchased the caravan I registered it with CRIS the caravan register, but it took a long time, as he would not repond to any letter they sent about him being the previous owner, now I know why. I will carry on the fight if I can get a CCJ against him it might make it difficult for him to get credit. Would be caravan purchasers beware!, this could happen to you!.

Hello Ford, Unfortunately I do not have the original add.

Many thanks for your reply, Sold at market value, to a couple of pensioners so not a business, he is shifty all right, and I can think of a few other things I would like to say but not on here. I have been doing my homework on this bloke, I have found someone who was in business with him a few years ago, and what he had to say was not good news for us. Not sure if I would be likely to get a full refund so going for some compensation, and even if we get nothing back getting him shut down is the name of the game!. If we end up trying to repair this ourselves I might come back to you to pick your brains about the front end repair on you father in laws van

Many thanks for your reply, I thought that about trade sales but needed confirmation, person I spoke with at CAB said same, but said wait until you speak with Trading Standards. It was a very nice caravan with all the defects very cleverly hidden, not a metion of trade sale or spares or repair in two meetings. This is the wording (in very small letters) on the bottom of the sales invoice which you don't see until after you have paid: All items are sold as trade sale / sor and with no warranty given or implied as with all of our items over 10 years old. Items are sold as spares or repairs, no returns accepted. Just found this on one of his ebay sales, this caravan was a 2010, so it applies to everthing not just over 10 years. TERMS - 'TRADE SALE' AS WITH ALL OUR ITEMS - NO WARRANTY GIVEN OR IMPLIED. NO RETURNS ACCEPTED. PLEASE PLEASE COME AND VIEW IF IN ANYWAY IN DOUBT. AS EXPECTED THERE ARE SOME USUAL MARKS ALL TO BE EXPECTED WITH A FAMILY CARAVAN.WE ARE GENUINE AND HONEST FAMILY BUSINESS AND WILL POINT OUT ANY BAD BITS WE ARE AWARE OF, WE ALSO ALLOW YOU TO VIEW THE CARAVANS ON YOUR OWN AT YOUR LEISURE WITH A NO HASSLE APPROACH. DEPOSITS NON RETURNABLE NO MATTER WHAT CIRCUMSTANCES

Update on my first post, I have sent two letters to the caravan dealer stating the van was not fit for purpose and asking for my money back or repairs paid for, the first letter was ignored the second got a reply: He states that he offers no warranty on any sales of caravans over 10 years old and they are sold for spares or repair and are trade sales it was in very small letters at the bottom of my sales invoice not very easy to see. There was no mention of this when we went to view the caravan, nothing on the advertisment on his web site I have been told by CAB not to touch the van. now waiting for trading standards to contact me but I cannot wait much longer water is getting in and if I wait the caravan will only be good for scrap. Any advice would be appreciated.

Hi Labrat, Many thanks for your advice, just about to send out a registered letter asking for the damp to be repaired and paid for by them!. If its done by a large dealership the cost will exceed the value of the van and I don't trust the seller with the work unless I sit watching how they do it!. so I will look for cash and do the work myself, as you found out cost of labour high cost of materials fairly low so it should not be that costly but at least three or four weeks work for me, and I am in retirement so I have the time.

Many thanks Andy.

I have just purchased a second hand caravan, I had the van inspected by a MCEA approved technician at the dealers and no serious faults were found. But very shortly after purchase somebody pointed out a non standard wall in the bathroom, taking his advice I decide to have a new inspection done by a different technician, and its not good, serious damp in the bathroom and front walls conservative estimate about twelve months use before it starts to fall apart unless lots of money spent. The walls had been expertly covered by a faced board in order to hide the damp,the normal metre with two prongs would not have found the damp but the chap who did the second inspection had a bit of expensive kit that can look through walls and find problems behind any false wall which is how he found the damp. I took delivery of the van on the 18th of August and as its under thirty days I rang the dealer today to ask for my money back or the cost of the repairs paid, both refused, he said it was nothing to do with him as I had had the van inspected before I took delivery and no serious faults were found and he had not put in the walls or tried to hide any damp. Going to speak to trading stands tomorrow but not sure if they are going to be much help. Any ideas please!.

Three guests on here at 8.10, thread must be getting popular again.

Mine does, taken out in 2007 ten year term now in retirement.

With regard to my first post, on the payment history statement on the claim for possession form, it stated that on the 22/9/08 the arrears were £830.55. I have an arrears statement in front of me, on the 22/9/08 I made a debit card payment of £470 so the arrears figure at the end of the day was £360.55, on the 25/9/08 I received a letter saying that a £50 arrears management fee applied to the account on the 29/8/08 was applied in error and was refunded, so the true arrears on the 22/9/08 was £310.55 so in july 09 the document for the court shows £830.55 arrears on the 22/9/08, so the payment of £470 and the £50 refund were missed, so the question is was it an error or were they trying to hide the £470 and the £50 refund?, made our position look much worse in front of the Judge had it got to court, but they would never do that would they?. And they also told us last year that it was all a mistake we should not have been put in the litigation department anyway, they do seem to make a lot of errors?.

We have a secured loan with SPPL, in 2008 we missed two payments but made overpayments during the year, at the start of 2009 the arrears were £351, our monthly payment was £330 so we were just over one month in arrears, early in 2009 we missed another payment but we kept up the payments for the next few months and paid over the required amount, in july of 2009 they started a claim for possession in the County Court this was the paticulars of their claim: Payment History Date * Due * Payment * Arrears 22/9/08 *£830.55* 0.00 * £830.55 1/5/09 *£286.74 *0.00 * £1140.30 1/6/09 *£286.74 *£300.00 * £1246.97 1/7/09 * £278.37 * 0.00 * £1645.63 2/7/09 *£1645.63 *0.00 *£1645.63 Made a payment of £300 on the 3rd of July, and another £300 on the 1st of August, letter from them in July has arrears of £1345.63, another letter in August has arrears of £1745.18 so August payment had been added to arrears even though payment had been made on the first by debit card. Now for the true picture on the 22/9/08 payment arrears stood at £144, on the 1st of August payment arrears were £551, so all the rest of the alleged arrears were in fact charges the true arrears never went above six hundred, the case was dropped at the eleventh hour but I remember the last letter before the hearing the arrears stood at £1800 and thats the figure they would have used to try to get possession. We missed the three payments because I was self employed and business at the time was bad, but did our three missed payments and some late ones really cost Capstone £1200 I don't think so, all payments since April 2009 have been made on time and for more than the required amount, a lot of the charges were refunded, six litigation charges of £115 were given back also the legal charges, but six arrears charges of £60 were added to the account they can charge those because of refund of litigation, we still appear to have arrears of £770 but according to my calculations the true payment arrears are nearer £130. They dropped the case like a hot brick maybe because they thought they might lose?, I am now trying through the FOS to get all charges refunded. The Solicitor who signed the original: Claim for Possession believed that the facts stated are true, I don't think this lot would recognise the truth if it fell on them from a great height, they have treated us like dirt where do we go from here?. And talking about the truth look at the payment history above how can both sides add up to the same arrears figure I have thrown my calculator in the river it could not work it out so it must be faulty.

They told me the same thing, we cannot increase the balance of the loan as we are not the owners of the debt but the adminstrators, they put far more on the balance in fines and charges than capitalisation of arrears would have done.

dj1971 Many thanks for that, SAR letter going today, been trying to get our money back for two and a half years we have a good case for mis-sold I was self employed and my partner reached retirement age twelve months after loan taken out and both of us had existing medical conditions that were not discussed. Usual thing if you do not take the PPI we will not agree the loan also told if we settled early most of the PPI would be returned as a rebate, settled after two years less than half rebated, been using a Solicitor for twelve months originally on a no win no fee now wants 25% of any settlement so we are on our own. The cost of the PPI was £6100 the total with interest had it run the full term would have been £9400, when the loan was cleared in 2005 after house sale the settlement statement sent to the solicitor was very brief, the settlement figure was £2000 off the current balance nothing shown as to how they arrived at that figure, but they now say we had £3500 PPI rebate but they have not acknowledged letter from solicitor asking for more details hence the need for an SAR. they wrote a few months ago saying that they had been less than generous with the rebate and offered another £350, that was turned down, will be back after I get my SAR. mhbw3043

Need a bit of help, fighting for refund of mis-sold PPI , loan taken in 2003 settled 2005, settlement made after sale of property by solicitor, need more details of final settlement (refund of PPI and early settlement interest, early settlement and any other charges), letter sent to lender in August still waiting for a response as they have ignored letters in the past I do not think I will get one, would an SAR give me the information?, and is it to late to ask for one?. Many thanks in advance mhbw3043