Jump to content

  • Tweets

  • Posts

    • Thanks FTMdave...I shall take great delight in sending to them both..just finishing off ready to upload for a once over..
    • A further suggestion -     Dear Will & John.   I must admit I was in awe of receiving a letter from your esteemed law firm thinking what have I done to deserve such an honour. Perhaps you have discovered a long lost relative has left me a fortune in a will and I could give up work to pursue my love of goat farming using the money to set up a small holding in the outer Hebrides producing fine cheese and goat hair sweaters. Alas no! In bold letters it stated Letter before action almost if one had to get ready for battle and my power ranger pyjamas will have to be on a boil wash first before I can even think about action. Anyway I digress after further research I discovered this is in relation to some parking shenanigans of which I have no knowledge and for a place I've never been to, so as the Private Parking world's best solicitors you should be aware, I know that you know a case isn't going anywhere on the facts as presented. I may add that that not all is lost, as I used your letter to line the cat litter tray. Mr wiggles is most pleased with his firm and absorbent lining beaming happily away as he does his cat business before securing a warm spot in front of the fire as we sit down to watch cash in the attic. Good luck with the soliciting business I hear it can be quite lucrative. P.S – it is uncle Herbert who apparently left a fortune so if you do come across him please let me know…   COPIED TO MINSTER BAYWATCH     Send the letter to Gladstones tomorrow and also invest in a second 2nd class stamp and send a copy to Minster Baywatch.  Get two free Certificates of Posting.  This is because Gladdys have a lot of previous for egging on their clients to start court cases, even though their cases were pants and they were bound to lose, after all it's still £££££ for Will & John.  Let the PPC know too that the only result of a court case will be a massive tonking that will cost them dearly.
    • It is you right to demand all comms by letter only   if you wish to reply. simply state you have failed to give me your banking details i will not be paying by dd sorry.   should you wish my payment proposals to start please supply them. should you fail to do so, i will take this matter to the relevant authorities that govern you   YOu are reminded it is my right to request comms in writing only.   Dx
    • Good news.  They haven't bothered to send the authorisations you asked for, so in your WS later you can say you believe they don't have them.   EDIT  Indeed in your defence now you can state that you believe the claimant doesn't possess important authorisations.
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

Cant VT becuase of a default? HELP!

Please note that this topic has not had any new posts for the last 4395 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi i knew my car finance was coming up to be paid 1/2 so i could VT. I sent a letter to the company asking when i could return the car, they responed saying that i could VT, but i owed the 6 hundred and odd pounds, roughley 2 payments, and when it was paid to contact their inspector to arrange a time and date to return the vehicle for inspection. I asked them if i could buy the car from them but was told that if i wanted to keep it just to continue with the payments. The car is worth a hell of a lot less than what i owe on it. I rang the inspector yeturday who said i could buy it from them and he would get me a price for the car. He rang me back today and said that unfortunatley i cant VT because the finance company had defaulted my account ( 2 missed payment ) and had instructed a repo company to come and collect the car!! I rang them straight away and paid the 2 payments and asked why i had not been contacted? They told me they had contacted me, turns out to my old address ( i moved 8 weeks ago and sent them a letter with my new contact details, which they say they never received) I Was told that i had missed 2 payments and was in breach of the contract and a default had been issued and i did not respond, and that VT IS NOW NO LONGER AN OPTION. They tell me i have to carry on paying 330 per month for another 2 years for a car that is worth 2k! It looks like i am now stuck with 7500 of debt for a car that is worth 2k unless there is some way i can get out of this?


Any help would be greatley appreciated



Edited by winslo
more info
Link to post
Share on other sites

Hello winslo,


First things first, they are correct in the fact you cannot VT while under a default notice but once this expires you should be able to as far as I am aware.


Where are the two payments from and when? reading through I was a little confused by this. If you owe these payments, you can make them up but they cannot refuse you the right to terminate the agreement. There are letters available on this site which can help you with this.


I will advise to do everything in writing as this is easier to recount if it ever goes to court.


can you clarify who the agreement is with, and the circumstances in which you are trying to VT.

Link to post
Share on other sites

The default notice was issued on the 16th december, ten days after it becomes official.......the payments are now paid as of last week, but they refuse to let me VT.

The HP is with park motor finance and the reason for VT is i owe 7500 and the car is worth around 3k, i have paid 50% of the total agreement already.



Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...