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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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GMAC Car Finance


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Hi Guys,

 

New here so please don't bite!

 

I have a car on finance with GMAC, have got into trouble with money and the debt ended up being passed to their DCA (Close Assistance), anyway, someone from there came to my home and we wrangled out a payment plan, Close then passed the account back to GMAC (Wednesday). End of it I thought. 😐

 

Today I received a Default notice from GMAC which is what happened first time round before the account went to Close.. can they do this when I have agreed a repayment plan? :confused:

 

I'm confused and don't know what to do.. really don't want to lose the car, although I'm close to ringing up and saying "Take the thing back." through all the stress its causing.. But then I read on another post that they stung someone for supposed "Repairs" that needed doing when they surrendered their car. :eek:

 

Don't know where to go, I feel like I'm stuck between a rock and a hard place - any advice greatly appreciated!

 

Adam

 

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

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my original payments were £186.45, I'm on a DMP with CCCS and they have worked out I can make an payments of £252 to clear the arrears, which Close agreed and gave the a/c back to GMAC, not even made the first payment on the new figure yet.

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Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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No nor can I.

 

How does this sound?

 

General Motors Acceptance Corporation (UK) plc

Wesley House

19 Chapel Street

Luton

Bedfordshire

LU1 2SE

 

Agreement no: XXXXXXXXXXXX

 

Vehicle registration: XXXXXXX

 

Dear Sir or Madam,

 

I am in receipt of a second default notice from yourselves, issued on 21st May 2008 under the above numbered agreement.

 

Your debt collection agency, Close Assistance, have passed my account back to yourselves following a satisfactory outcome in respect of a repayment plan.

 

I feel, therefore, this second default notice is not required and respectfully request that it is removed from my credit file with immediate effect, along with any derogatory comments you may have made.

 

A mere, "Correction" or "Satisfied" mark will not be acceptable.

 

I look forward to your reply in due course.

 

Yours faithfully,

 

Adzya

 

 

I have also noticed on the default I am in arrears for PPI which I did not even know I had!!!

Edited by adzya

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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Nope, not a single one!

 

Letter about the PPI, does it sound ok?:

 

 

 

 

 

My address

 

 

 

 

 

 

25 May 2008

GMAC UK plc

PO BOX 11

Wesley House

19 Chapel Street

Luton

Bedfordshire

LU1 2SE

 

Dear Sir or Madam,

 

Re: Account number: XXXXXXXXXX PPI

 

I purchased the above policy from you on 31 May 2006 but now believe that I was mis-sold this policy for the following reasons:

 

This is due to the fact that I was not given the correct information when the policy was to me, as:

 

  • I was not aware I had it until a recent default notice was served to me, so could not have been aware that it was optional.

Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made.

 

I look forward to a full and prompt response to this letter and for the matter to be concluded within eight weeks or I shall be contacting the Financial Ombudsman to investigate my complaint.

 

Yours faithfully,

 

 

adzya

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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I am merging my two complaints into one letter to save sending off two separate letters, would welcome any constructive criticism!

 

Dear Sir or Madam,

 

Re: Account number: XXXXXXXXX PPI & Second Default Notice.

 

 

I am making a complaint based on two points, both being intrinsically linked.

 

 

Point I:

 

I purchased the above policy from you on 31 May 2006 but now believe that I was mis-sold this policy for the following reasons:

 

This is due to the fact that I was not given the correct information when the policy was to me, as:

 

  • I was not aware I had it until a recent default notice was served to me, so could not have been aware that it was optional.

Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made.

 

 

 

Point II:

I am in receipt of a second default notice from yourselves, issued on 21 May 2008 under the above numbered agreement.

 

Your debt collection agency, Close Assistance, have passed my account back to yourselves following a satisfactory outcome in respect of a repayment plan.

Following payments to Close Assistance and the commencement of a new payment plan, I have not missed one payment.

 

I feel, therefore, this second default notice is not just or fair and respectfully request that it is removed from my credit file with immediate effect, along with any derogatory comments you may have made.

 

A mere, "Correction" or "Satisfied" mark will not be acceptable.

 

I look forward to a full and prompt response to this letter and for the matter to be concluded within eight weeks or I shall be contacting the Financial Ombudsman to investigate my complaint.

 

 

 

 

Yours faithfully,

 

 

 

 

 

They have also stung me for silly amounts of Admin charges, should I include these in the above or do a separate letter for those once the above is resolved?

 

Please reply, want to get this sent off tomorrow!

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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I did receive a copy, it has only been signed by me and a witness not GMAC

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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It's only accident cover that is marked, when i rang my godfather (who was with me throughout purchasing the vehicle - and actually works for Vauxhall) he told me he was under the impression that as its HP I had to have it included or I couldn't have the credit.

 

Is this worth pursuing?

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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then I shall whip a letter off to them..

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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Now I have got a phone call from the chap who came round my house and said that GMAC are not agreeing to the proposal of repayment. Joy of Joys.

 

Although I have found something that I would like advice on.. below is the most recent default notice:

 

Picture-1.jpg

 

here's the "Pre-Contract Information. Hire-Purchase Agreement regulated by the Consumer Credit Act 1974"

 

Picture001.jpg

 

Now throughout my dealing with GMAC's DCA's they have threatened that I have not paid a third so car is likely to be repossessed.

 

And that is NOT my tick on the "Accident Protector PPI"!! I tick nothing like that.

 

On the CCA it says 1/3 is £3560.93 - on the default it says I have paid £3638.76. So do they have a leg to stand on?

 

On the REPOSSESSION: YOUR RIGHTS paragraph if I say I do not want to get rid of the car and they get it anyway does that mean I get the full £3638.76 back?

 

Sorry for all the questions but advice most appreciated as I have to ring them tomorrow..

Edited by adzya
Removing address - ooops.

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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Need help with this asap please! :confused:

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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Hello Adzya

 

If you have paid less than one third of the total payments and the vehicle is parked on public ground then a hire purchase company has the legal power to repossess your vehicle without going through the lengthy procedure of obtaining a court order. They cannot reposess the vehicle if the car is in your drive or on a third parties property. They CAN take it if it is in the road. The only time that court action will precede car repossession is after you have paid one third of the total payments.

 

Normally you will be sent a pre-possession notice, which will allow you at least 15 days to make arrangements to avoid car repossession. They will still need a court order as you have paid over a third.

 

It looks like they have not charged you any insurance cover, looking at the figures on the bottom. The tick does look a bit suspect though. The agreement isn't signed by GMAC, just the dealers signature is on there.

 

Are you able to make an arrangement to pay back the arrears, and continue with the payments?

Edited by ukaviator

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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I live in a flat and the car is parked in my allocated parking space off the road..

 

They sent me to their DCA's and I agreed a payment plan with them -got told its all fine then had a voicemail yesterday to say they are refusing it..

 

That's what I thought re not being charged but on the default it says i'm in arrears for PPI..

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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Hello Adzya

 

The agreement isn't signed by GMAC, just the dealers signature is on there.

 

Are you able to make an arrangement to pay back the arrears, and continue with the payments?

 

Is it enforceable as they have not signed it??

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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I will get someone else to have a look. I'm not sure if the dealer / witness signature would be enough.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Ok thank you - be good to know what I could do re the PPI too.. shall i challenge it?

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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well the Default sucks on so many levels

 

firstly, can i ask what is the date on the notice? ie when was it actually served

 

secondly it is not in a form required by the Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983 (SI 1983/1561)

 

now looking at the Agreement, was this Agreement supplied to you in reply to a statutory request for a copy of the credit agreement?

 

if it was and that was all they supplied , well, when did the agrement start cos it doesnt state a commencement date, nor does it say who is party to the agreement nor is it executed by the Creditor and therefore is improperly executed and only enforceable by court order

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Default served on 21/5..

 

The CCA is a page from about 7 that I detached as it had the most relevant info on it from my original queries.. I shall post the other documents on here tonight..

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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can i just check the figures on the Default notice?

 

am i right in thinking that it says £68.7248 as the amount of arrears?

 

and £72.8752 being arrears on the PPI? if it is, there is no such monetary amount

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figures are 568.7248 finance and 77.8752 PPI

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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