Jump to content


  • Tweets

  • Posts

    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
    • This is simply a scam site.  It's been shown to be a scam in the national press and on national TV. Please fill in the the forum sticky and upload the invoice you've received. In fact what you have is an invoice, not a fine, a private company doesn't have the power to issue fines.  
    • Moved to the Private Parking forum.
    • Good afternoon, I am writing because I am very frustrated. I received a parking fine from MET Parking Services Ltd , ( Southgate park Stansted CM24 1PY) . We stopped for a quick meal in Mcdonalds and were there fir around 30 mins. We always do this after flights and never received a parking fine before.  Reason: The vehicle left in Southgate car park without payment made for parking and the occupants southgate premises. they took some pictures of us leaving the car. i did not try and appeal it yet as I came across many forums that this is a scam and I should leave it. But I keep getting threatening letters.  Incident happened : 23/10/2023 I did contact Mcdonalds and they said this:  Joylyn (McDonald’s Customer Services) 5 Apr 2024, 12:05 BST Dear Laura, Thank you for contacting McDonald’s Customer Services. I’m sorry to hear that you have received a Parking Charge Notice following your visit to our Stansted restaurant.   We've introduced parking restrictions at some of our restaurants to make sure there are always parking spaces available for customers.   We appreciate that some visits such as birthday parties or large group visits might take longer and the parking restrictions aren't intended to stop this. If you think your stay will exceed the stated maximum parking time then please speak to a manager in advance.   Your number plate is scanned by our Automatic Number Plate Recognition (ANPR) system when you enter our car park, and then again when you leave. If you have overstayed the maximum time allowed, you will not be notified straight away- a Parking Charge Notice will be sent to you via the post.   If you feel that a Parking Charge Notice has been issued in error, please contact our approved contractors who issued the charge in order to appeal the charge. Unfortunately McDonald's are unable to revoke parking tickets- the outcome of the appeal is final and cannot be overturned by McDonald’s.   Many thanks for taking the time to contact McDonald’s Customer Services.   Can someone please help me out and suggest what I should do next?  Thank you 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
  • Recommended Topics

CARCRAFT: Am I too late to do Anything? Missold Useless Warranty


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5584 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi All,

Not really sure if I can do anything about this, though I have tried!

 

Long story short, I stupidly bought a car from CC 12months ago. Saw it online, fell in love with it bla bla! Anyhow, rang up next day - told it wasn't for sale. Rang later on that day to check and, what a suprise, it was for sale! Told them I was interested in it and arranged to view.

 

After waiting around for around 5+ hours with 3 bored children, a fed up hubby and agreeing to part with my beloved mondeo (which had been mot'd 2 mths previous). We were all herded to a room to fill the forms in. I was told the amount was £128mth. That was the car finance, insurance, warranty etc. GREAT I thought, I can afford it fine :) Reluctantly I parted with my mondeo which was taken in exchange and we all trundled off home.

 

Imagine my first shock when I received the forms from the finance company stating it would be £188mth!! I duly rang them + said I couldn't afford it and that I was told by CC it was £128!! They removed the insurance and I'm now paying £158mth!!

 

My second shock came when I got the MOT done 6mths later. Not only did I need a new exhaust, but also needed a new clutch! I rang CC up and told them that they had knowingly sold me a vehicle with a defect. Of course, they said go to the insurers but they were not liable because of their so called 125 pt check bla bla!! I rang NAC, guess what, not covered, wear + tear!!!

 

How did I know they had knowingly sold a defective vehicle? Well, when I got the original documents at pos (MOT cert, V5) the MOT said an advice note had been issued BUT.... you guessed it, I NEVER GOT THE ADVICE NOTE!!! I checked online and, Lo + behold, the exhaust had been mentioned!!!

 

Ok, so here's my question...... Can I do anything whatsoever about this? Like I say, I rang + rang but got nowhere with CC (Merseyside) and nowhere with NAC. Surely they are in the wrong for selling a car with a defective part!! BTW it cost me a grand to get fixed!! Its a Landrover:roll:

 

Can I also claim back the money I've paid so far for the warranty?

 

Many thanks for reading (sorry it was so long!) Really appreciate any help or advice offered,

 

Jen :)

Link to post
Share on other sites

  • Replies 56
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I can't see how the agreement you signed at the sales office should be different from the copy sent to you by the finance company. Were you given a copy at the showroom to take home with you?

 

The clutch and exhaust are indeed wear and tear, but the mention on the non appearing advisory of the exhaust, although not illegal to sell as it was an MoT pass, was obviously hidden by them not giving you the advisory, and can only increases your case for reimbursement.

 

Don't do any telephoning, only correspond in writing.

 

What was the exact date of you getting the MoT and your purchase? If that was inside 6 months, and you talked to them immediately then you can write, enclosing a bill, (copies of the garage bill), and say they either pay the bill or you reject the car and have your money back plus what you paid out on the clutch, (they are not entitled to betterment).

 

I would leave it at that for the first letter and make sure you send it at least recorded or special delivery.

 

See what their response is (although we prob know what it will be), and then we can take it from there with the next letter being a letter before action.

Link to post
Share on other sites

Hi Connif

 

Thanks for reply :)

I bought the car on 1st January 2008 I rang them prior to getting the MOT done + the work as I had gone online to check about the advice note. I had the car checked in May/June as the MOT was coming up - I will update the exact date later today :)

I was given forms when I left showroom, no-where did the final balance mention £188 per month

 

Thanks for helping, I will get the letter written asap and post up before sending,

 

Best regards,

 

Jen :)

Link to post
Share on other sites

Hi again,

 

Ok just went thru my paperwork and this is what I found regarding the MOT + my complaint about the exhaust:-

 

* MOT was carried out August 19th 2008

 

* I rang (CC) them on 8th July 2008 informing them of my findings regarding the exhaust + was told to ring NAC as they could/would not do anything

 

* Rang NAC on 9th July 2008 + told not covered + to take things up with CC

 

* Rang CC again on 9th July 2008 + again told nothing they would or could do. Told them I was seeking advice and lady said she would note this down upon my file

 

 

Right, looking at the main paperwork relating to the agreement this is what I found:-

 

* PROVISIONAL ORDER FORM - This shows in BOLD the amount per mth as being £128 / 129

 

Thers a confusing bit which I dont get how they got the figures, simply put in cash loan (price of car I assume!) It states £4589.00 yet further down it states in cash price inc VAT for new Goods £4689.00!!! The car was secondhand!!!!! And those figures are BEFORE interest AND insurance ANd the warranty!!!! Well + truly stiched me up by the looks of things!

 

Absolutely nowhere does it mention a price of £188 per month, which is what a letter I received from GE Money stated the amount per month was.

 

Like I say, I cancelled the insurance but I still have the warranty attached. I'm confused because the document has 2 different boxes which has Insurance/Warranty/Loan above it!! One says including IPT - what on earth is IPT??? Strangely, this one is for £995.00 but other one is for £748.03!!!

 

I will try scan this up tomorrow so if anyone can help that would be really really appreciated, I'm sooooooooo confused, not a clue now as to how much I will actually end up paying out.....

 

Grateful thanks to all as ever,

 

Jen :)

Link to post
Share on other sites

ipt

 

thats insurance premium tax

that is payable on all insurance policies paid

if the insurance is cancelled that should have been refunded

 

the figures for this tax is beyond me

HOW MUCH DID THESE INSURANCIES COST

 

its normally 10% of the premium payable by the insurance company, not you

 

who is the finance company

Link to post
Share on other sites

Hi there,

 

Thanks for reply :)

 

The finance was done through GE Money

 

Heres the figures, pls bare with me :)

 

KEY FINANCIAL INFO BOX

 

(Cash Loan: £4589.00) (Insurance/Warranty/Loan: £995.00) Total= £5584.00)

 

Mthly Pmts of Cash Loan = £129.89

Mthly Pmts of Ins/W/Loan = £28.16

Final Pmt(consist of option

fee + Admin Fee =£299.00 (total, i not told about this!)

APR = 26.8% on all except Final Pmt.

 

Below that there is another box, here's those figures:

 

Cash Price For Goods inc VAT for new Goods = £4689.00

Cash Price For Insurance/Warranty/Loan = £995.00 inc IPT

 

Below is yet another box!! The figures are as follows:

 

Total Charge For Credit on Cash Loan = £3449.97, Interest = £3204.25

Total Charge For Credit on Ins/Warr/Loan = £748.03, Interest = £694.75

Thereby giving a....

Total Charge Credit = Grand Tot of £4198.00

Total Charge Interest = Grand Tot of £3899.00

Many many thanks for your help and advice regarding this,

 

Jen :)

Link to post
Share on other sites

can you post your agreement please

deleate personel details but leave in the figures

google photo bucket

 

interested in the total charge for credit on insurance fee/warr/poss acceptance fee

 

realy need to see agreement

Link to post
Share on other sites

Oh also, what it is I not sure about is whether or not the figures for total charge for credit, interest are on top of the cash loan!!! by my reckoning that is ummmm omg it is beyond me to eeek!!

 

Jen :)

Link to post
Share on other sites

Hi,

 

Have made bigger on the site heres the link, hope this is clearer than before :)

 

http://i443.photobucket.com/albums/qq157/LoopyLou22/CARCRAFTDOC001.jpg

 

Sorry for sounding thick, but whats the default notice? I have no arrears on my payments, well, not yet anyhoo!

 

Many thanks

 

Jen :)

Link to post
Share on other sites

Oh also, just checked the initial letter from GE Money in relation to paying back on the car finance, they state....

 

As specified on your agreement, your first payment of £186.50 includes a £0 Acceptance Fee - a contribution towards the arrangement costs of setting up your account - and is due on 2nd February 2008.

 

Nowhere that I can see upon the paperwork in the link is there any ref to this payment!! Needless to say, I rang up as soon as I received that and got it to £158 per mth.

 

Jen :)

Link to post
Share on other sites

hi loopylou

 

ive spotted a few things that i am having checked out so its not gospel , but looking good

 

the big con with these agreements is acceptance fee included in the total ammount of credit. that is you are paying interest on some thing not conected to the vehicle.

yours is addmin fee

 

the other insurancies also cannot be included in the total ammount of credit also

double checking that on but sure its correct

 

last thing

 

the insurancies must be on a seperate part of the agreement.

in other words

 

you sign and date for the car finance,

then in another section, sign and date again for the insurancies, which must be kept seperate

 

ill look up to confirm as well as getting more comments from our more experienced caggers

 

looking good

 

glad you have sussed photo bucket

Link to post
Share on other sites

Hi,

 

No initially I was lead to believe that the total amount was £128/£129 per mth

When I received letter from GE Money, that was when they said first payment was £186.50

I rang GE money and the amount per mth was reduced to £158 per mth

No mention anywhere about it being £186.50 on any other paperwork I signed at all!!!

 

Jen :)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...