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Found 11 results

  1. Dear all, My first post so apologies beforehand if I should follow a certain procedure. Congrats for the fantastic content and advice -- although at times not easy to follow. I got today on the post a £100 Parking Charge Notice from a PCP Enforcement Agency I honestly do not remember parking there; in fact, I don't even know where this is exactly. In any case, the whole letter seems to be written to deceive - maybe what you call a Speculative Invoice. I do think I may have parked in a spot with "clear signage" (eye for detail is not my thing, unfortunately).
  2. Hi, Thanks for taking the time to read and hopefully you can offer some sage like advice. My partner has notified ford of her intention to vt as she is in excess of 50% of the amount. They have sent a letter confirming today. Firstly this letter is asking for payment for usage from her last direct debit date to the date of letter received. Is this correct? She was up to date with her payments with no arrears at time of them receiving letter. The car is planned to be collected from me next Friday as my partner will be at work, should I sign any paperwork they b
  3. Good Afternoon Everyone, Unfortunately and unexpectedly my father passed away last Friday due to a motorbike accident. At present I am tying up his finances and have come to a bit of a grey area for myself which I am hoping someone can help me with. Last July my father purchased a brand new car on PCP with Black Horse (through Arnold Clark) - I will list all details; Cash Price of Goods - 18,077.49 Total Amount Repayable (inc. hire purchase charge) - 22,409.11 47 Monthly Payments of - 319.13 Final Optional of - 7,410 So far he has paid - 3829.56,
  4. A family member decided 10 months ago to replace his ageing car with a factory-ordered brand new one. He opted for a PCP deal having first undertaken extensive homework about total interest payable and likely future value etc. Of all the options open to him, the PCP deal together with further incentives he negotiated with the supplying dealership most suited his circumstances. Until recently, he had no cause for complaint. But then the symptoms of one or two faults (or a single inter-related fault) affecting engine and auto transmission became evident. The car has been into the supplyin
  5. Hi Long time since I posted on this board but here goes again... I have a PCP agreement with Volkswagen Financial Services (VWFS) on a 2015 Audi A5 Black Edition. When I signed up to the agreement I put my BMW M135i in as deposit (equivalent to £23,300) which was against the A5 valued at £38,305. I took £7,800 cash back out of the deal which left me with a 24 monthly payments of £250.67. My first payment to VWFS (using the cash back) was a significant partial payment of £4,000 which left me with monthly payments of £63.80. I then got into a bit of an argume
  6. Hi there I took a car out on a PCP contract for 4 years with Mercedes in August 2014 I took a seizure on 4th April 2015 still no sign of getting my licence back but I've never missed a payment on the PCP agreement this has nearly been a year since I took the seizure and still paying every month I can't see a way out or put a plan together as Mercedes aren't interested although I've informed Mercedes of my situation but there not interested as long as they are getting paid every month,if anyone could give me some advice on what to do I would be most greatful especially in finding out how soo
  7. I've been doing a lot of research this week and have decided to make an account on here to get some advice as I'm a bit lost what to do. So I've made some bad life choices, I'm only 23, but I'm moving to egypt with my family. However, I'm 8 months into a 4 year car pcp. As with all cars you can imagine there is a large amount of negative equity, the total amount I am unsure because I'm confused with my options. At first I was considering declaring myself bankrupt, this way the debt, which is potentially upto £6000 will be written off. But the problem here is that to get a residency
  8. Name of the Claimant ? BMW Financial Services (GB) Ltd Date of issue – 10th December, 2014 What is the claim for – the reason they have issued the claim PARTICULARS OF CLAIM 1 This claim is a consumer credit act claim 2 The claimant is a Finance Company Terms of Agreement 3 4th February 2012, Claimant and defendant entered a finance agreement 4 The particulars required by, and set out in the order prescribed by the consumer credit claim practice direction to part 7 of the civil procedure rules 1998 in respect of the said agreement are set below. : Dat
  9. Hi all, I have just had my 22 day old 62 plate VW Golf mk6 written off due to flood damage. It is on VW PCP finance, insured through Churchill and I purchased GAP insurance from the main dealer. The car cost £24k in total (inc £1k worth of factory fitted extras) but was financed for £17k - the rest paid by £2k VW cashback and my part exchange. Churchill have offered me £19k cash or the option to replace the car under their less than 12 month old 1st owner scheme. Problem is as VW don't make the mk6 anymore so the only replacement I can get is the same car less the £1k in factory
  10. A couple of years ago I was assaulted out side of work. As a consequence, I suffered PTSD and was admitted into a private mental health hospital. After a few months off work on sick leave, I returned to work. My psychiatrist wrote to my then manager saying I was suffering from severe depression and should return to work gradually. I wasn't referred to OH on return to work, I wasn't supported and actually returned full time and moved into a more stressful job due to an office reshuffle. Since I had been assaulted I was very vulnerable, I didn't know at the time we had OH and I didn't want to m
  11. I purchased a new car on a PCP finance deal through a broker 12 months ago and it has recently come to light that car was pre-registered under a company name and then the broker registered his company as the keeper of the car 9 months into the 4 year contract. Once I was aware of the situation I contacted both the broker and ING (the finance company) to find out why this had happened. The broker has now admitted (in writing) that it was his mistake and informs me he is trying to remedy his mistake with the DVLA. Unfortunately this has now been on-going for over three months and I am still n
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