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    • 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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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Car Hire Purchase Agreement Question


andrew1
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hi andrew

if he has paid more than half, they can onl repo with a court order.

i helped out a cagger on this one ref welcome finance

they ended up paying him eight grand as they did not have a court order

 

have you thought about a vt

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vt is a voluuntry termination

as you have paid half, you can hand back the vehicle and owe nothing

you can only do this as long as the account is not in arrears at the time of the vt request

 

ref the welcome repo

 

country wide, welcomes repo agents just turned up and took the car,

more than a third had been paid and they did not have a court order.

the repo was unlawful so he got back every penny he paid them through a court order

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  • 1 month later...
  • 7 months later...

Where Was The Agreement Signed

Was It In A Car Show Room (silly Question I Know)

 

Why Has Vat Been Added

 

A Minimum Futre Value Of Three Grand And Excess Milage To Pay In The Final Installment

 

Credit Facilty Fee (whats This)

 

Now Option Fee

Is Interest Being Paid On That As Its An Option To Purchess

 

And I Thought Welcome Were Bad

 

Shafted Big Time

 

We Need To Get The Case Suspended For A Few Weeks So We Can Go Through This With A Fine Tooth Comb

 

It Might Be An Idea To Send Stephen A Pm To Give The Once Over

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MY THOUGHTS EXACTLY LIZ ON THE VAT

 

WHY IS IT ON THERE

 

YOU NEED TO TELL THE JUDGE ABOUT THE COURT ORDER FOR A LEGIBLE COPY OF THE AGREEMENT AND THERE FAILURE TO PRODUCE

 

 

PRINT THIS OFF AND GIVE IT TO THE JUDGE

A LEGIBLE COPY IS NEEDED OR THEY ARE IN DEFAULT

 

WE NEED AN ADJORNMENT FOR THEM TO PRODUCE A VALID/LEGIBLE COPY OF THE AGREEMENT

 

DID HE HAVE A DEFAULT NOTICE

 

 

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

 

THEY REPO THE CAR WHILE IN DISPUTE WHICH IS A RECESION OF CONTRACT

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Was He Made Aware Of The Application To Repo The Car Through The Court

 

If They Have Terminated The Agreement While In Default Of The Cca Request, They Are In Big Trouble

 

He Will Be Entitled To All The Payments Back

 

Ive Never Known Vat Be Charged And Put On An Agreement

 

It Should Be Inclusive Of Vat In The Ammount Of Credit

 

 

Can You Confirm

 

The Agreement Was Terminated While Waiting For A Legible Copy Of The Cca

 

The Car Was Repo While Waiting For The Cca

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Thats Great Andrew

 

So No Court Order For The Repo

 

Thats Is Going To Be One Hell Of A Pay Day

Every Penny Paid Plus 8 % Interest

 

A New Bit Of News

 

This VaT Confused Me And It Seems The Dealer Has Been Naughty

 

you Only Pay Vat On A Vehicle If Its A Company Vehicle

 

COMERCIAL VEHICLE

 

Ill Get Some Of My Papers Together

 

At This Time I Take It You Just Want A Skeleton Argument So The Judge Knows Exactly Whats What

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Cash Price For Other Goods 272

Whats This Rubish

 

If Its A Charge It Should State What It Is

 

Multiple Agreements Falling With In An Agreement For A Start

 

Where The Hell Did He Dig This Agreement Up From

 

Its Pure Crap

 

It Wont Even Be A Challenge Plus Him Getting All His Payments Back Through The Illegal Repo Is Poetic Justice In My Book

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  • 3 weeks later...

hi andrew

 

seems the finance co have well and truly shot themself in the foot

 

let me get this straight

 

the hearing to set asside the judgement on the 6 april was done on the 12 june.

 

the judge upheld the application and set asside that original judgement.

 

they then went and sold the car which they allready had in there possesion on the 10 july.

 

what a foul up

left not talking to the right it seems.

 

they have sold the vehicle when they have no order as the original court order has been set asside.

by rights the vehicle should have been returned to him.

 

can you confirm the date they received the cca request

 

just an acknowledgement is good enough. its up to them if they ask for a quid or not

 

i thinks its time to have a quiet word with the finance co for settlement.

 

by selling the car, they have gone againt a court order.

lets see them explain that in front of a judge.

 

let me know the date of the original cca request

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well if you made the cc request then and was acknowledged,

they are stuffed as long as you have confirmation of receipt in writing

 

the set asside granted would put the agreement back to the beggining

they would have no rights to sell it as it still belonged to your pal in a sense

 

the set asside was in june and they have gone against a court order by selling the car july

 

some direct talking with the finance co is in order telling them of there foul up and exploiting it before it goes back in front of a judge

 

at the end of the day

 

they have sold the vehicle against a court order

 

this case has gone back to the start so no repo order is valid as that has been over tirned by the later set asside

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  • 2 months later...

Well He Can Claim Back All Payments Made At Contractual Interest

 

He Will Walk Away With This And Owe Nothing

 

You Can Claim The Cost Of A Replacement Vehicle

 

 

If As Stated The Vehicle Was Sold Unlawfully, They Have No Case

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whatever the cost was on the finance agreement for the car

 

thats the amount to claim

 

recession of contract

 

they have no defence

 

if you realy want to turn the screw

 

a new car and all payments made reclaimed back

 

caz and welcome got eight grand back in payments and eight grand to replace the vehicle

 

but thats your choice on that one

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  • 3 weeks later...

when you hand the car back,

 

unless they have a signed receipt

 

offering and doing are to seperate issues

 

was the request to hand back the car in writing

is there a telephone recording

so he offered to give it back

 

did they send a letter giving date and time when they were going to collect,

i dont think so

with out this they are blowing in the wind

 

you need to work out all the repayments, then add contractual interest

 

then work out how much to replace the car

 

so you will end up with

 

1/ all payments with interest back

 

2/ return or a replacement car at no cost to you of same age, and condition

 

sign nothing

 

stand your ground

 

they are stuffed

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