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


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      By dx100uk · Posted

      is the home in joint names but this is solely your debt? need far more history to be able to comment if it's paid off and was not just written of by one partly on their books and sold to anther, thus the cra file says £0. dx
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      By tobyjugg2 · Posted

      So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Restart
      Commercial business lease - Letter before Action - Negotiation not going well

      By Restart · Posted

      Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hikertrash
      MET CCTV PNC - Starbucks closed- Southgate Park, Stansted CM24 1PY

      By Hikertrash · Posted

      Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Mdg123
      Private parking charge from Euro Car Parks now with Debt Recovery Plus

      By Mdg123 · Posted

      Thanks HB edited and re-uploaded. Thanks for the heads up 👍

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      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.

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

I dont want my car on HP anymore...

C&D

By C&D
in General Consumer Issues

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C&D

C&D

Posted
Posted

Hello

 

Not sure whether anyone will be able to help, I have a car on finance through Welcome Car Finance :( at the moment and I pay £242 per month for it (its only a Mondeo!). I have only had it for 15 months but the payments are now just too high each month as we want to save for a mortgage.

 

I know that there comes a point in the contract whereby (apparantly!) you can give the car back and owe no money which I believe it around halfway through (meaning I have almost a year to go by the time I have added a couple of payments I have missed).. Is there any other way I can get out of the agreement before the end / this date?

 

I owe loads more on the car than its worth so selling it isnt really going to be an option and if they reduce the payments each month, it just drags it out over longer and means I pay loads more interest.

 

I think its really unfair that these companies can charge the interest they do, I was stupid by going to them and getting a car but I had no other option as I have a bad credit record and I didnt know any better!

 

Any advice would be gratefully received!

[FONT=Comic Sans MS][SIZE=4][COLOR=magenta]C [COLOR=black]& [/COLOR][COLOR=blue]D :) [/COLOR][/COLOR][/SIZE][/FONT] [COLOR=black][FONT=Comic Sans MS][COLOR=mediumturquoise][B]HSBC[/B][COLOR=#000000]- Full settlement received & spent! £1,477.93 :-) [/COLOR][/COLOR][/FONT] [COLOR=mediumturquoise][FONT=Comic Sans MS][COLOR=mediumturquoise][B]HSBC claim 2![/B][/COLOR][COLOR=#000000] - Full settlement offer received 27/06 - £1,116 :) [/COLOR][/FONT] [FONT=Comic Sans MS][FONT=Comic Sans MS][COLOR=mediumturquoise][B]A&L[/B][/COLOR][COLOR=#000000] (for my Nan) - full settlement received on day of prelim hearing - approx £1500 :-)[/COLOR][/FONT] [FONT=Comic Sans MS][COLOR=mediumturquoise][B]Halifax[/B][/COLOR][COLOR=#000000] - (for a friend) - full settlement received 30/06 - £2576! :) [/COLOR][/FONT] [FONT=Comic Sans MS][COLOR=mediumturquoise][B]Barclays[/B][/COLOR][COLOR=#000000] - (for a friend) - Court forms were due to be submitted but he wants to wait for results of the court case with OFT[/COLOR][/FONT] [/FONT][/COLOR][/COLOR][FONT=Comic Sans MS][COLOR=#000000][B][COLOR=mediumturquoise]A&L[/COLOR][/B] - (for a friend) - court forms submitted - claim 'stayed' due to OFT case[/COLOR][/FONT]

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Guest louis wu

Guest louis wu

Posted
Posted

Generally speaking, once you have paid back 50% of the loan, you can just give it back to the hp company. You will need to look at your original agreement, however, just to check that no special conditions have been attatched to the loan.

 

Is there any chance you could ge a loan to replace the current one, it may work out that your repayments would become significantly cheaper.

 

louis

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tomterm8

tomterm8

Posted
Posted

i would call them up, and ask if there is any rebate on early repayment, and whether you can return the car.

 

If you do return the car, make sure it isn't better for you to refinance etc, as louis says.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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C&D

C&D

Posted
  • Author
Posted

Thanks. I have asked for a copy of my agreement and a statement of what I have paid / still owe etc and once I have this I will ask them about whether I can hand it back.

 

I am unable to get another loan as my credit rating is too bad..

 

My OH is a taxi driver so we are also looking at whether it would be more cost effective for him to use my car as a taxi rather than renting one at £220 pw!

 

I will keep you updated but if anyone has any other advice / ideas I'm open to sugestions! (SP)

 

Thanks

 

C

[FONT=Comic Sans MS][SIZE=4][COLOR=magenta]C [COLOR=black]& [/COLOR][COLOR=blue]D :) [/COLOR][/COLOR][/SIZE][/FONT] [COLOR=black][FONT=Comic Sans MS][COLOR=mediumturquoise][B]HSBC[/B][COLOR=#000000]- Full settlement received & spent! £1,477.93 :-) [/COLOR][/COLOR][/FONT] [COLOR=mediumturquoise][FONT=Comic Sans MS][COLOR=mediumturquoise][B]HSBC claim 2![/B][/COLOR][COLOR=#000000] - Full settlement offer received 27/06 - £1,116 :) [/COLOR][/FONT] [FONT=Comic Sans MS][FONT=Comic Sans MS][COLOR=mediumturquoise][B]A&L[/B][/COLOR][COLOR=#000000] (for my Nan) - full settlement received on day of prelim hearing - approx £1500 :-)[/COLOR][/FONT] [FONT=Comic Sans MS][COLOR=mediumturquoise][B]Halifax[/B][/COLOR][COLOR=#000000] - (for a friend) - full settlement received 30/06 - £2576! :) [/COLOR][/FONT] [FONT=Comic Sans MS][COLOR=mediumturquoise][B]Barclays[/B][/COLOR][COLOR=#000000] - (for a friend) - Court forms were due to be submitted but he wants to wait for results of the court case with OFT[/COLOR][/FONT] [/FONT][/COLOR][/COLOR][FONT=Comic Sans MS][COLOR=#000000][B][COLOR=mediumturquoise]A&L[/COLOR][/B] - (for a friend) - court forms submitted - claim 'stayed' due to OFT case[/COLOR][/FONT]

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Guest louis wu

Guest louis wu

Posted
Posted
My OH is a taxi driver so we are also looking at whether it would be more cost effective for him to use my car as a taxi rather than renting one at £220 pw!

 

Those figures are very close, could be a way out for you.

 

As tom says, if/when you next ring them, ask if there is an early settlement figure. As to bad credit score, join the club. There are some loans out there though, have a look on moneysupermarket.com. It may not be feasable, but if you are stuck with the car, then an ordinary loan, even at a higher APR%, may just still save you some money each month

 

louis

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  • 1 year later...
lord120

lord120

Posted
Posted

Hi there we are in the process off getting a new car on hp before we hand the old one back as I have heard they make it hard for you to get a new car in the future we have paid just over 50% of the car off but the car as 143,000 miles now from when we purchased the car new august 06 will it be a problem handing it back???

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buzby

buzby

Posted
Posted

Mileage is only an issue with Contract Hire, which usually has mileage limitations then penalties if mileage targets are exceeded. If a straight HP deal, there won't be a problem - but as you say, it's resale value will be minimul.

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  • 5 months later...
labrat

labrat

Posted
Posted

would not recommend following the above post if you look at the other posts he has made he states "i run a scrapyard in peterbrough and i take car with hp they cannot do anything about it"

 

this is missleading they can still charge you for any outstanding money, would NOT recomend selling or scrapping car

 

also reported to site administrators

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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Rooster-UK

Rooster-UK

Posted
Posted

Cash 4 cars.

 

Advertising and touting for business is in direct contravention of the Site Rules.

I would suggest that you aquaint yourself with those rules and follow them.

 

Continued breaking of Site Rules may result in your account being placed on moderation.

 

Rooster-UK.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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