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    • Incidentally to answer your question about what should you do immediately, I would suggest that you send the letter tomorrow. Wait until the end of the week. If they don't respond or if they respond negatively, then write to them immediately and tell them that you are not prepared to do without the vehicle. As they have failed to respond to your putting work in hand and you will be approaching them for the costs of all the repairs and if they cause you any difficulty in you will simply sue them. A bill of about £4000 is easy. It puts you within the small claims track so there is no risk of costs even if you lose – which is most unlikely on the basis of what you say
    • I found it cheers Dave!!   I think focusing on lack of compliance with legislation should be the one, seeing as we just lost the case to them by not complying, it will be worth pointing it out. I also want to poi t out their m.o. Which is less than honourable to say the least. Hopefully the judge will side with the little old lady and not the peoppe who use deceit to line their pockets!!   She said she is happy to speak up but is kindly asking for assistance in the form of a bullet pointed printed paper for her to take in so she can read out her points and leave it at that (without rambling).    Straight and to the point!!    Daves post #66 is legendary 🙌    Thanks for the help guys 😊    Let's kick some ass    
    • I differ from my site team colleague slightly in the the six-month rule applies if you have asserted your rights within the six months. My understanding is that you haven't asserted your rights during that time. In other words you haven't informed them that you are giving them a single opportunity to repair and if they decline or if the repair fails then you are rejecting the car for a refund. Please correct me if I'm wrong. On that basis, you are covered by the consumer rights act but not in terms of the right to reject. You are covered under the consumer rights act in that you are entitled to purchase a vehicle which is of satisfactory quality and remains that way for a reasonable period of time. You don't have to prove that the fault existed at the time of sale – although that's what they will try to tell you and even the motoring ombudsman will try to tell you that. But the motoring ombudsman is an industry led organisation which pretends to be an ombudsman but in fact favours the industry and its advice is wrong and even deceptive. I think you should start off by writing both to the finance company and also to the dealership. Describe the fault to them. Send them the evidence you have that the windscreen was incorrectly fitted and the damage which has been caused as a result. Send in the quotation for the work and require them to respond within seven days and that they must agree that the work will be carried out by a competent professional an authorised repairer. Not one of their cheapskate once. Also, you will want them to agree to provide you with a courtesy car. Also have you incurred any expenses associated with this? Travel, car hire, cost of inspections –?? Have you told us the name of the finance company? My site team colleague is correct that if they cause any trouble then you should see them as co-defendants. You can be certain that they will put their hands up. It will go to court. You would sue them for the cost of the work. You would recover your costs of the installation plus your court costs. I don't think you will be able to sue for the rejection of the vehicle on the basis of what you tell us in terms of having not asserted your rights. However you will be able to recover the cost of all the works – making good everything so that the car is in the condition that it would have been in had the replacement windscreen been properly fitted. I wonder who fitted the replacement windscreen? I think I would be out to sue them as well. Post the draft of your letter to the dealership and also to the finance company here so that we can have a look before you send it off.  
    • Thanks I have been reading quite a few this one got me as it did say they have instructed them to take legal action but thanks again your a legend 
    • Yes we will be emailing them. We have kept a log of all conversations with everyone involved and backed up conversations with emails 👍
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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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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considering voluntary reposession


brent100
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Hi everyone

 

We are on the verge of declaring ourselves bankrupt as our business ahs unfortunatlety failed and we owe the banks money through the personal guarantees on the busienss loans.

The banks are chasing us. We also re-mortgaged our home to help finance the busieness so our repayments are very high. There is no equity in the house. The banks are threatening putting charging orders on the house - which would seem pointless due to lack of equity.

 

We seem to have only 1 option - bankruptcy and start again.

 

One issue remaining is our house.

 

We can ove out and go into rented - we have already seen a suitable house that would more than half our outgoings so are seriously contemplating moving into this rented property, then declaring bankruptcy and just letting the bank reposses the house.

 

Is a voluntary reposession better or can we "hand the property back to teh lender"

 

Whats the difference - and I assume any shortfall would just fall into our bankruptcy estate.

 

Drastic - I know, but we just want a line drawing under it all, dust ourselves down and start again.

 

Any help, advice etc,.... would be appreciated.

 

Thanks

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I suggest you contact a insovancy practioner or Debt advice before you do anything or go to the CAB they can help you get the best deal even in banckruptcy

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From what I know about voluntary repossession - I believe you risk being subject to more shortfall on the basis that in this market lenders are accepting very silly offers. For instance a clients property, valued at £260 with no equity, was advised by the estate agent to sell for £235 for a quick sale (in this market) however the lender insisted the house was marketed fromt he start at £190k. The difference here is £45k so besides the owner being subject from the unavoidable mortgage shortfall of £35k, they are now left owing £70k - this is just one example. If for instance you stayed in the property until the "bitter end" you would give yourself more chance to find a buyer - a buyer which ultimately will be buying a repossessed property off the lender, not yourself. But what you gain to some extent is less of a mortgage shortfall. For instance if you have a sale agreed on the property for £235k, it would be illegal for the banks to sell it to someone else for £190k - because there are laws surrounding the sale of repossessed property which means a lender has a duty to sell the property at a fair price.

 

 

You might want to read this article:

Voluntary House Repossession

Edited by Kai-Boshed
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Thanks for your reply Kai - Bosh. The value of the shortfall is immaterial I think as any shortfall would fall as part of our bankrupt estate - whether it is £10k or £50k would just mean we would go bankrupt for more money than we will have to now.

This is how I understand it anyway.

 

Cheers

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  • 1 month later...

Dear Brent100

 

I just wondered how you were getting on with this and what your experiences had been since your last post?

 

I am also considering - as a last resort I might add - voluntary repossession and then bankruptcy. I have been in a debt management plan now for a year and a half but during this time my relationship with my partner has broken down. Our house has now been on the market for 10months but with very little interest due to the current state of the housing market. We have now dropped the house price to the lowest that we possibly can to be able to pay the mortgage off and cover the solicitors fees but have still had no joy. We are going to hold on for another 2 months and pray for a buyer but will then need to take drastic action. The situation with my ex has turned very difficult and we can't just sit out the crisis on the housing market. However given my current debts if we "hand back the keys" and then there is a shortfall I just can't manage this on top and would consider my only option to be bankruptcy. As i said this is a last resort but we have done all we can to try and sell the house and renting it out or sitting it out is just not an option.

 

Would be interested to hear how you were getting on and anyone else's experiences of similar.

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Hi I'm in a similar situation although I'm further down the road as I'm battling against eviction.I've thought about vol repo ,hence other thread vol repo or eviction? on forum.All I can gather is if you vol repo, then LA won't look at offering housing.I don't know if that is the same if you ave kids under 16 yrs, as I though that LA would be legally responsible for the care of the children.

Also does anybody know if anybody took their lender to court for under selling their house, especially in the 90's?

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Cat - I remember seeing some case law whereby a debtor took their lender to court for not protecting their interests when underselling their house after repossession (or something like that). I'll try and find it for you.

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Hi

sorry i've not responed quickly but i've had lots to attend to.

We have decided to stay and try to keep our house as we understand the local authority may not offer housing as we have "made ourselves homeless". We cannot afford to take this risk as we have children. We are still seriously looking at bankruptcy though as we should keep our house as we have no equity and we are led to believe that the OR would not force us to sell pour house due to lack of equity and children inviolved.

 

cheers

Brent

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  • 2 weeks later...
Cat - I remember seeing some case law whereby a debtor took their lender to court for not protecting their interests when underselling their house after repossession (or something like that). I'll try and find it for you.

 

 

Hi Ell!

 

Thats happened to us now, following the repossession in May KC have finally sold the house.

 

In March when we put it on the market it was valued at £270K. We put it on for £250K. We then dropped it to £230k to try and gain a quick sale which didnt happen since it was repo'd on May 7th. We had a mortgage of about £210k

 

KMC put it on with a different agent and cancelled ours, at £199K and finally sold it ( I don't know how much for). This leaves us with a £10k mortgage shortfall and of course all the equity was wiped out, which I kinda expected anyway.

 

Would love to see any case history you can find!

 

Rachie xx

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Right, I'm on it - I'll do some digging around for the case and I know there are protocols which lenders are supposed to adhere to when selling after repossession in order to protect your interests.

 

Ell-enn

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi

sorry i've not responed quickly but i've had lots to attend to.

We have decided to stay and try to keep our house as we understand the local authority may not offer housing as we have "made ourselves homeless". We cannot afford to take this risk as we have children. We are still seriously looking at bankruptcy though as we should keep our house as we have no equity and we are led to believe that the OR would not force us to sell pour house due to lack of equity and children inviolved.

 

cheers

Brent

 

Hope it works out for you - I would try and keep the house at all costs (having been similar to you in the early '90's when I just walked.)

 

You end up paying a fortune in rent with nothing to show (100% negative equity as I call it) and have to bow to a landlord.

 

If all they do is stick charges on your property then the debts are "done" and you wont need to look at them until you sell the house.Prices will go back up after the next 18 months or so once the banks get their ar**s into gear.The buyers are there but they cant get a mortgage.

 

Also check out an IVA as I think your house is excluded from the deal.

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Hi

sorry i've not responed quickly but i've had lots to attend to.

We have decided to stay and try to keep our house as we understand the local authority may not offer housing as we have "made ourselves homeless". We cannot afford to take this risk as we have children. We are still seriously looking at bankruptcy though as we should keep our house as we have no equity and we are led to believe that the OR would not force us to sell pour house due to lack of equity and children inviolved.

 

cheers

Brent

 

Have a read here http://www.consumeractiongroup.co.uk/forum/formal-solutions-bankruptcy-administration/56970-insolvency-dealing-debt.html

The OR would only be interested in the equity in your property, not your children. If you have no equity it is likely you could buy your beneficial interest for as little as £1.

What debts do you have?

Whose name are they in?

The LA may consider you intentially homeless, but that doesn't stop you renting privately, if you are paying out large amounts on housign then it is worth comparing rents v your current housing costs.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Hi

sorry i've not responed quickly but i've had lots to attend to.

We have decided to stay and try to keep our house as we understand the local authority may not offer housing as we have "made ourselves homeless". We cannot afford to take this risk as we have children. We are still seriously looking at bankruptcy though as we should keep our house as we have no equity and we are led to believe that the OR would not force us to sell pour house due to lack of equity and children inviolved.

 

cheers

Brent

 

Dont be too sure on that Brent.

 

We were in exactly the same position, company went under etc and we couldn't afford mortgage, I appealed to the courts til the last possible moment and they still repossessed, despite having 5 kids and 2 with learning/behavioural problems.

 

We ended up in a B & B for a while, then managed to get a private rental which incidentally turned out to be a blessing because we qualify for housing benefit now.

 

We were lucky in that the business was in my husbands name alone so now he will declare bankruptcy to clear it all.

 

Its not an easy solution though, so don't be lulled into thinking it can be.

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  • 2 months later...

Hi to all,

This is my first post, so please bear with me :) I'm in a situation similar to cjhmace, whereby myself and my partner have split, have tried to sell the house, and also tried renting, with no success. Have just received a voluntary reposession form to fill in, requested by my ex. I am still living in the property, and have contacted the Citizen's Advice Bureau, but can't get an appointment for a week. Not really sure what to do as i've nowhere to go and don't know how voluntary reposession works? Would be grateful of any advice in the meantime.

Thanks.

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Hi to all,

This is my first post, so please bear with me :) I'm in a situation similar to cjhmace, whereby myself and my partner have split, have tried to sell the house, and also tried renting, with no success. Have just received a voluntary reposession form to fill in, requested by my ex. I am still living in the property, and have contacted the Citizen's Advice Bureau, but can't get an appointment for a week. Not really sure what to do as i've nowhere to go and don't know how voluntary reposession works? Would be grateful of any advice in the meantime.

Thanks.

 

Give Shelter a call, they really are brilliant and will help you all they can.

 

Shelter England - The housing and homelessness charity

 

Good luck. :)

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