AA99 v GE Money Car Loan

[angry cat]

I think your confused there AC, you seem to be thinking of 31.14&15

 

CPR 31.16 is Pre action ie before issue

 

Quite right, PT!

 

I stand corrected;

as ever always doing several things at the same time

 

My apologies AA99, got my 'Parts' muddled up:

 

 

 

PART 31 - DISCLOSURE AND INSPECTION OF DOCUMENTS - Ministry of Justice

 

AC

[angry cat]

Should this be added to the letter or will that confuse them:???:

 

No doubt, they are aware of the 'Overriding Objective'!

 

Reasonable Minds - CPR Guide

[AA99]

Ooh lovely, thanks AC, that second one you've produced is far better for my circumstances! Thank you so much - on it's way

[angry cat]

Well, let us hope that they disclose all docs.

 

Good Luck!

 

AC

[AA99]

Cheers ac Have just this minute returned from the post office, sent recorded. Gave them 14 working days, till 12 Oct, didn't specify, just said within 14 days. I hope they find the defective Default Notice that GE Money issued to me

[postggj]

Hi Aa

 

Lets See What I Can Do

 

This Is A Long Thread So Bare With Me

 

Has A Court Claim Begun, N1, Or Is This Just A Threatogram From Hl Legal

 

Have Had My ShAre With Them To Muppetts

 

Well Just Having A Nose, Those Figures Are Very Strange

 

Ill Go Over Them This Weekend And Let You Know The Sp

 

Next Question

 

This Is On The Ppi Etc

 

Did You Do An Sar

Who Is The Ppi With

Norwich Union

Axa

Churchil, Get The Idea

 

Did You Get A Needs And Demands Statement And A Statement Of Price Ref The Insurance

 

Thats Important

[AA99]

Bless you for looking in:)

 

Hi Aa

 

Lets See What I Can Do

 

This Is A Long Thread So Bare With Me

 

Has A Court Claim Begun, N1, Or Is This Just A Threatogram From Hl Legal

Threatogram me thinks:-?

 

Have Had My ShAre With Them To Muppetts

 

Well Just Having A Nose, Those Figures Are Very Strange

Yes, they are aren't they:-?

 

Ill Go Over Them This Weekend And Let You Know The Sp

 

Next Question

 

This Is On The Ppi Etc

No PPI but were suggested that we take out an extra 5-year warranty for £800 that would only cost an extra £30 p.m. on the credit. So we did, but those figures are nothing like that and the warranty is with NAC, part of Carcraft, and not worth the paper it's written on when you try and claim:mad:

 

Did You Do An Sar

 

No, but I did a CCA and received the signed copy which I already held:-?

 

Who Is The Ppi With

Norwich Union

Axa

Churchil, Get The Idea

 

N/A

 

Did You Get A Needs And Demands Statement And A Statement Of Price Ref The Insurance

 

NO

Thats Important

 

Tried writing to them for a reduced payment plan of £55 p.m. as advised by their chap on the phone but they refused to acknowledge that or set up a plan, before I knew it, Link were on to it.

All my docs are photobucketted on this thread.

Many thanks again and look forward to hearing from you

[postggj]

to start with send car craft an sar

 

thats where you got the car from

recorded delievery

ime going to have fun with this

 

you are miles ahead in this race:grin:

[AA99]

to start with send car craft an sar

 

thats where you got the car from

recorded delievery

ime going to have fun with this

 

you are miles ahead in this race:grin:

 

Even though they put the balance to be financed with GE :-?

[postggj]

Correct

 

It Was Car Craft Was It Not Who Flogged You The Micky Mouse Insurance Products

 

As It Was All Commission Lead, Ime 99.9999% Sure They Wont Have All The Relevent Doct

 

That Call The Whole Agreement Into Question

 

Car Craft Would Have Got A Back Hander From Ge Over This,

 

If That Was Not Disclosed To You Which It Was Not (please Confirm)

 

O Happy Days For You

[AA99]

Correct

 

It Was Car Craft Was It Not Who Flogged You The Micky Mouse Insurance Products

 

As It Was All Commission Lead, Ime 99.9999% Sure They Wont Have All The Relevent Doct

 

That Call The Whole Agreement Into Question

 

Car Craft Would Have Got A Back Hander From Ge Over This,

 

If That Was Not Disclosed To You Which It Was Not (please Confirm)

 

O Happy Days For You

 

The news is getting better by the hour, you little star you No, the commission has never been disclosed at any time, anywhere:eek:

 

I have posted last Tuesday, 22 Sep, a CPR 31.16 to HL Legal in response to their letter headed Notice of Intended Court Proceedings, and the SAR is of course covered in that. It was signed for at 10.03am on Friday 25th. They were given 14 days from receipt of letter. I have that marked on my calendar for Monday 12 October. Could I save myself £10 by waiting for that:???:

 

I used angry cat's second letter below. Have to go get some food quickly now to feed the starving children, but will post it up when I get back if you like:cool:

[postggj]

Well Ime Now Getting Some Sunlight While Its Still About

 

Have A Nose And Google

 

wilson V Hurstanger

 

pleasent Readings

[AA99]

Gee thanks for that, phew I like this bit:

 

Obviously if there has been no disclosure the agent will have received a secret commission. This is a blatant breach of his fiduciary duty but additionally the payment or receipt of a secret commission is considered to be a form of bribe and is treated in the authorities as a special category of fraud in which it is unnecessary to prove motive, inducement or loss up to the amount of the bribe. The principal has alternative remedies against both the briber and the agent for money had and received where he can recover the amount of the bribe or for damages for fraud where he can recover the amount of any actual loss sustained by entering into the transaction in respect of which the bribe was given. (Mahesan v Malaya's Housing Society [1979] AC374, 383). Furthermore the transaction is voidable at the election of the principal who can rescind it provided counter-restitution can be made. (Panama & South Pacific Telegraph Co. v India Rubber, Gutta Percha, and Telegraph Co. [1875] 9 Ch App 515, 527, 532-3).

[AA99]

Just noticed this thread has nearly 10,000 views and nearly 200 replies:eek:

[AA99]

The news is getting better by the hour, you little star you No, the commission has never been disclosed at any time, anywhere:eek:

 

I have posted last Tuesday, 22 Sep, a CPR 31.16 to HL Legal in response to their letter headed Notice of Intended Court Proceedings, and the SAR is of course covered in that. It was signed for at 10.03am on Friday 25th. They were given 14 days from receipt of letter. I have that marked on my calendar for Monday 12 October. Could I save myself £10 by waiting for that:???:

 

I used angry cat's second letter below. Have to go get some food quickly now to feed the starving children, but will post it up when I get back if you like:cool:

 

 

With Postal disruptions, my CPR31.16 letter was signed received on 25 September. I have had no response yet:mad:

[Guest Carcraft Customer Service Manager]

Hello,

My name is Linzi. I am one of the customer service managers at Carcraft, and I have read through your threads. If you feel that I may be able to help, please feel free to call me on my direct line 01706 753 569 or respond to me via this thread

Edited October 13, 2009 by Carcraft Customer Service Manager

[lexis200]

Can I ask if you go around reading many threads, as it seems as though you've 'read through' at least two people's in the space of 10 minutes today?

 

I may be way off base here but it would seem that you have simply typed in 'carcraft' and pasted the same sentence to the threads in the hope of getting a call, much as your colleage (giving the benefit of the doubt that it's not you using another name) has done in the past.

 

Apologies if I'm wrong here, but you can see how it looks rather strange when neither of you have offered any actual help save for giving a phone number to call.

[Guest Carcraft Customer Service Manager]

Hello Lexis,

 

I read through as many threads i can where i can see someone has disatisfaction in relation to Carcraft, i posted the same sentence in 2 threads as they were both linked.

 

I work very closely with my colleague who has posted previously, people who have seen our post have called us and we have rectified their situation.

 

I cannot promise that we will always get the solution that is wanted, however, each case gets looked into thoroughly and we try our upmost to come to a resolution that both parties are happy with.

 

Thanks

[lexis200]

Thanks for replying.

 

How about looking thoroughly into the case by reading this entire thread (which has pretty much all the detail you would need, and in writing to boot so nothing can be mis-interpreted) and then offering a resolution that both parties are happy with?

 

That would go a long way to alleviating apprehension about your posts...

[AA99]

With Postal disruptions, my CPR31.16 letter was signed received on 25 September. I have had no response yet:mad:

 

 

So, according to that letter I sent them, I need to proceed. Any help please:confused:

[angry cat]

You have made your request under the CPR;

up to them, if they choose to ignore said request.

 

The ball is in their court now...

[AA99]

Im really hoping I can get Postggj to come back to my thread to have a look at the contract figures. I've just come from louisd77's thread about Welcome and it's getting exciting. I am in limbo with my lot and have just spent a couple of hundred pounds getting my vehicle back on the road from SORN and I don't want to lose it!

[AA99]

3rd threat in 6 months.........

 

http://i390.photobucket.com/albums/oo349/AA99/GEMoney/HLLegalCourtAction10Dec09.jpg

 

Are these sort of letters even legal:confused:evil::evil:

[postggj]

Lets See If We Can Sort Your Agreement Out

 

Can You Let Me Have The Following Details

Need My Eyes Testing

 

1/ Amount Of Credit (loan)

2/ Amount Of Any Insurance

3/ How Many Months Is The Agreement Over

4/ What Is The Apr

5/ Any Aceptance Fee

6/ Any Option To Purchase Fee/admin Fee

[AA99]

Ah postggj, thaaaaaaaaaaaaaaank you:)

 

1) Amount of loan 6995

2) Insurance/Warranty Loan (NAC) 1795

3) 60 months

4) APR 18.2%

5) First payment (including Acceptance Fee) 308.31 on Loan & 79.11 on Warranty

 

The contract is headed Motor Loan, Fixed-sum loan agreement regulated by the CCA1974

 

I also have a copy of Carcrafts's Sales Invoice to GE Capital - HP showing different figures plus Carcraft's Finance Invoice addressed to my name but completely wrong address showing different figures yet again. I am going to try and rescan these 3 docs larger for you:)