Jump to content


  • Tweets

  • Posts

    • Hi, yes they swapped over after a brief period when the bank were sending something over.
    • Fair enough. But I don't understand why they send these letters. Do people really get scared and end up paying them?
    • That's a blessed relief. They would have been withdrawn because, as I said, they have no evidence that you were driving. That comes from the responses to the requests for driver's details which you failed to send. The important thing is that the speeding charges were laid. That makes life much easier (and far more likely to see a successful outcome). You need to make your SD and serve it on the court where you were convicted. The next you should hear is by way of a "Single Justice Procedure Notice" laying the four charges against you again. You will have three options (for each charge): Plead Guilty and do not attend court Plead guilty and attend court Plead not guilty You must plead Not Guilty to all charges. In the section headed “reason for not guilty plea” you can state that you will offer to plead guilty to the speeding charging providing, and only providing, the FtP charges are dropped. This is a procedure well known to all court users (prosecutors, magistrates and their legal advisors) and is carried out up and down the land daily. I’ll refer to it as “the deal”. Before the pandemic it was necessary to attend court to undertake this deal and speak to the prosecutor (the agreement of the prosecutor is required as the court cannot accept it without that agreement).  However, during the pandemic courts aimed to reduce the numbers of people required to attend to an absolute minimum and most courts accepted a written request to do the deal. Local police prosecutors made an agreement with their courts that the magistrates’ legal advisors could accept the deal. In some areas this arrangement has carried on. In others they have reverted to the old process where attendance was required. So your offer of the “deal” with either be accepted in writing and dealt with under the Single Justice procedure or you may have to attend court. In either event it is important to emphasise that you will plead guilty to speeding only if the FtP charges are dropped.  There may be slight variations to the process depending on how the individual area works but there is no reason why this should not be successful.    
    • Yes thank you dx, my sentiments exactly.  We don't have access to his credit report to see the CCJ.  We were just told by the Estate Agency who he was trying to act as a guarantor for me.......  I can get a free one for a month I believe.  
    • I would say it's snotty letter time. You can do a search on CAG for examples of what other people have sent. Don't make it too polite. HB
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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

Black Horse Car Finance


SHELBELLE
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4745 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

  • Replies 442
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Andy

 

Can the DJ decide on a CCJ at the CMC, or is that a maybe a bit further down the line?

 

I am going to make a list of my concerns and photocopy relevant documents for the DJ, anything else I might need to prepare??

 

Thanks

 

S.B.

Link to post
Share on other sites

Hi Shel

 

CMC it is what it is, to manage the case or narrow any issues.CMCs are ordered by the DJ when he/she feels the Claimant through its own accord is not steering the claim or attempting to settle pre -Trial.

So at your meeting both parties will be allowed to narrow issues and failure will result in the DJ offering further Directions to attempt agreement/ perspective on what needs to be evaluated pre-trial.

It is your opportunity to raise your concerns and also forewarn the Claimant/DJ the weaknesses of their claim.

Very rare that a decision will be made at CMC but the DJ may make Direction that if either of the parties dont comply with the Directions by said date that the Defence or Claim will be struck out.

This may be your final chance to convince the DJ that the case need not proceed to trial and could be dispensed with by both parties agreeing some kind of mutual settlement,should you wish this.

 

I trust the above is of help Shel

 

Regards

 

Andy;)

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Hi Andy

 

Yes fine thank you.

 

Just typing up some notes and relevant legal jargon, hope I am doing ok, really getting to understand it all a bit better now.

 

If and a big if the other Claimant doesn't turn up (which happened to me on a previous occassion pre CAG!!!) I am assuming I still present my case and ask for it to be struck out at this point?

 

Thanks

 

S.B.

Link to post
Share on other sites

If the Claimant does not show the DJ will not be impressed depending on the DJ he/she may allow a final chance or decide on their notion to strike out there and then.

In that instance it may be worthwhile preparing your wasted costs and copy to the Claimant 7 days before the CMC.

Dont raise it with the Court though unless he/she does decide to strike out.

 

 

Andy;)

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Ok Andy

 

Point taken.

 

95% prepared now I think!!!! I may, if you don't mind, send you a copy of my notes for Court, once I have completed, just so you can see I am barking up the right tree???

 

 

Thanks again

 

S.B.

Link to post
Share on other sites

Hi Andy again!!!

 

Just been doing some more research and studying the CCA.

 

Further restrictions of remedies for default

I am looking at the reference to 90 (1) (a)

 

The debtor is in breach of a regulated hire-purchase or regulated conditional sale agreement relating to goods.

and 91.

 

If goods are recovered by the creditor in contravention of section 90 (a) the regulated agreement, if not previously terminated, shall terminate, and (b) the debtor shall be released from all liability under the agreement, and shall be entitled to recover from the creditor all sums paid by the debtor under the agreement.

Ok so they terminated before goods were recovered, so shall I not be released from all liability under the agreement???? I am not overly concerned about the recovering all sums paid.

 

From what I read and understand (with much wishful thinking!) should they really be taking me to court for anything???

 

Your thoughts would be much appreciated to this learning novice.

 

Many thanks

 

S.B.

Link to post
Share on other sites

Hmm by stating recovered, I am unsure if this means the Creditor Repo'ing the vehicle or includes a V.T.

 

I am getting a little lost again:~

 

1) If CCA 91 only covers the fact that the Creditor repossessed the vehicle after termination then it doesn't apply.

 

2) If BH terminated the agreement after the DN and I did a V.T. after that time where do I stand with CCA 91.

 

Basically if they issued a DN, then terminated then I did a V.T. of the vehicle in that order does CCA 91 cover my ass????

 

Sorry so many questions.

 

I am going to put this away for the night as I have been on it far too long and need a glass of the red stuff!!!

 

Thanks in advance to any comments.

 

S.B.

Link to post
Share on other sites

Hi Shel

 

If you VT and they have recovered the goods then what exactly is their case?

Car finance /HP is not really my area,have you not had any word from Postgg?

He really is the man upto speed on these procedures.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Hi Andy

 

I believe their case is that they are claiming arrears up to termination plus monies due to make up to 1/2 the regulated agreement.

 

No Postggj hasn't been around.

 

Think I will just start a thread on the question of CCA 90 & 91 and see where I get.

 

Thanks a million.

 

S.B.

Link to post
Share on other sites

Not a problem glad to help but with regards to the CMC my advice stands and you need to raise all the above at that hearing.

 

I wish you well with your case.

 

Regards

Andy

Edited by Andyorch

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Hi Guys

 

I have a long thread going on Black Horse Car Finance and have a very relevant question to ask, I hope an expert can give me some advice.

 

Further Restrictions of remedies for Default

Ok CCA section 90 (1) (a) states:

 

The debtor is in breach of a regulated hire-purchase or a regulated sale agreement relating to goods.

Section 91

 

If goods are recovered by the creditor in contravention of setction 90 (a) the regulated agreement, if not previous terminated, shall terminate, and (b) the debtor shall be released from all liability under the agreement, and shall be entitled to recover from the creditor all sums paid by the debtor under the agreement.

Ok my question(s) is :~

 

If the Creditor issued a DN, then terminated the agreement and then the debtor did a voluntary termination (i.e. handed the vehicle back) does section 91 come in to play?

 

I understand the other section relating to having paid one third or more of the total price, but am unsure whether section 91 applies in the scenario stated.

 

Really need quick clarification on this if I may.

 

Cheers

 

S.B.

 

 

Link to post
Share on other sites

90.—(1) At any time when—

(a) the debtor is in breach of a regulated hire-purchase or a regulated conditional

sale agreement relating to goods, and

 

You cant do a VT (voluntary termination) when the agreement has already been terminated. The debtor can and normally does a VS after termination (voluntary surrender).

 

Therefore 91 doesnt come in to play as it has been terminated by the creditor as the debtor was in breach (a DN and TN was issued)

 

Section 91

 

If goods are recovered by the creditor in contravention of setction 90 (a) the regulated agreement, if not previous terminated, shall terminate, and (b) the debtor shall be released from all liability under the agreement, and shall be entitled to recover from the creditor all sums paid by the debtor under the agreement.

 

sorry im off to bed and rushing, tried to reply as best as I could

Link to post
Share on other sites

Hi Guys

 

Just back from my CMC at court, was fine and not daunting at all.

 

The claimant assumed that I had legal representation, I said no I am a letigant in person, he asked(prior to seeing the DJ) how I knew about CPR as it was very impressive!!!! I said I do my own research:p

 

 

So DJ has ordered that I submit a full and amended defence, stating all my points, not a problem.

 

I have a an issue with "half regulated agreement sums" and just wondered if anyone was up to speed on these??? It could or could not be my trump card!!!

 

 

Any thoughts much appreciated.

 

Thanks

 

S.B.

Link to post
Share on other sites

It's s.99 onwards in the Consumer Credit Act 1974

 

99 Right to terminate hire-purchase etc agreements

 

 

 

(1) At any time before the final payment by the debtor under a regulated hire-purchase or regulated conditional sale agreement falls due, the debtor shall be entitled to terminate the agreement by giving notice to any person entitled or authorised to receive the sums payable under the agreement.

 

100 Liability of debtor on termination of hire-purchase etc agreement

 

(1) Where a regulated hire-purchase or regulated conditional sale agreement is terminated under section 99 the debtor shall be liable, unless the agreement provides for a smaller payment, or does not provide for any payment, to pay to the creditor the amount (if any) by which one-half of the total price exceeds the aggregate of the sums paid and the sums due in respect of the total price immediately before the termination.

 

 

 

 

 

 

 

 

 

 

Also read here Shel

HOW TO DEAL WITH HIRE PURCHASE DEBT

 

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...