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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Bill of Sale Agreement & TFC


shammy02
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Hi All

 

New to the site & hope I’ve posted this in the right place.

 

Does anyone know what a "Bill of Sale Agreement" is?

 

It seems I took out one of these with the Funding Corporation when I purchased my car in Feb 04 and that it is not a Hire Purchase Agreement, which I assumed I had for the past four years.

 

Been having the same problems with TFC like everyone else, loads of phone calls, text messages etc.

 

Long story short; Lost my job last year, made payment arrangements with them, kept to the agreement of paying monthly plus extra for 3 months arrears (the time I had no income).

 

Now before this arrangement has ended they are phoning, texting demanding payment, numerous times a day.

BT have blocked TFC’s number from my home phone as it was classed a nuisance call (bother 01244 & 0845 numbers) and my mobile rejects calls from them diverting them to the answer phone.

They have also phoned my office and left messages on the office answerphone from me.

Just to clarify I haven’t ignored they calls – I have responded.

 

The Car now needs a new Head Gasket costing well over £700 in repairs, which my mechanic (also a friend) advised the car is not worth it.

So I seeked some advice and was advised I contact them with an offer of full and final payment as I was near the end of the original agreement (4 months). The amount TFC wants is £1200 or the car to be returned. I have offered £400, which is all I have.

They are saying they can take the car without a court order as it was purchased under a “Bill of Sale Agreement” and I will still be liable for the outstanding debt.

 

Can anyone advise on what I should do next and can they do this?

 

Shammy02

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Shammy

 

I cannot comment on the legalities, there should be someone who will help you out on here. I advise you to do a search on the forums as the question may have been answered but I think under a BoS they can take the car without a court order

 

If you do keep getting phone/letters email all of the below (ignore the spaces in the email addresses) everytime they make contact from hotmail/yahoo accounts etc. They may ban your email account but set up another one. Eventually they will stop. Make sure that you write down dates/times of when they called. They are breaking the law if they keep on harassing you. See my thread http://www.consumeractiongroup.co.uk/forum/other-institutions/113419-funding-corporation.html for more info.

 

The Directors:

 

David.Challinor@thefundin gcorporation.com

 

Jim.Rowley@thefundingcorp oration.com

 

Neil.Ogden@thefundingcorp oration.com

 

The "Complaints" Department:

 

sarah.curtis@thefundingco rporation.com

 

lee.rowles@thefundingcorp oration.com

 

 

General:

 

complaints@thefundingcorp oration.com

 

customerservices@thefundi ngcorporation.com

 

suzanne.evans@thefundingc orporation.com

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