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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Bought car with Outstanding Finance - Unit Stocking - Please help


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Hello,

Yesterday I purchased a used car from a dealer and paid in full with my debit card.

When I went to the petrol station to refuel the car, I noticed the driver door was not aligning properly when shut, and the top part was slightly sticking out (I still wander how I did not notice this when first inspecting the vehicle).

 

when I called the dealer he said he had not noticed either but was willing to repair the door.

we arranged for me to take take the car back next weekend for him to carry out the repair.

 

This incident though, made me suspicious,

I decided to do an HPI check on the car to make sure it had not been involved in an accident.

 

When I received the results of the HPI check I was shocked to find out that although there was no record of the car being involved in an accident, there was actually a record of outstanding finance been recorded against the car. The finance is with Black Horse by the way.

 

I did some more online research and after paying for another check on MSN Auto check, it actually showed that the type of finance is "Unit Stocking".

From what I understand from my online research this is a type of finance available only to car dealers/traders used by them to be able to stock their business with their product (i.e. the cars they sell).

 

Here are my questions.

1. Since there is still outstanding finance on the vehicle, and since I have paid for it in full, who is the actual owner of the car. Myself or Black Horse? Bear in mind that when I asked the dealer if there is finance on the car he said no, and he said that the car was absolutely clean.

 

2. Should I even be driving the car around or could it be taken away by the finance company?

 

3. What are the implications (if any) with my insurance company? If I am not the owner of the car is my insurance voided?

 

4. What is the position I am standing in in regards with the dealer? Am I entitled to request a full refund and my old car back which I gave him as part exchange?

 

5. Is the dealer obligated to clear the finance on the car?

 

6. Could he have sold the car to me if there was still outstanding finance on the car?

 

7. If things do not go well, can I take him to small claims court or any other avenue I should seek?

 

Appreciate any advice you can offer.

 

The fact is I like the car, and the guy I have been dealing with has been very professional and helpful so far.

But I would like to know how to proceed if things start to go wrong... if you know what I mean.

Again thanks in advance for your help and advice.

Kind Regards

ta6hbe

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I think you probably know the answer to the first one - Black Horse are the legal owners. Dealers should check these things out before they purchase them as it can come back and bight them on the bum.

 

If you not sure of the real use of the car and the fact the door is bent out at the top, probably broken into by levering it out and pushing a flat bar down to pull up the lock, then reject it and save yourself any bother.

Get your money refunded and go look at something else only next time get the dealer to do the HPI before you part with any pennies.

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is it not like standard practice for dealers to purchase cars on Unit Stocking finance?

What exactly is this finance and how does it work?

Because it surely is not the same as given to general consumers.

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Hello again...

 

Here is how this has evolved.

 

Today I called Black Horse and they have confirmed there is still outstanding finance on the car.

When I asked them to tell me what is the outstanding balance or whose name the agreement was on, they said they could not give this information out, as it would breach data protection act, which I understand.

 

They confirmed though it is a Unit Stocking agreement from a car dealer.

They advised me to contact my dealer and ask them to send me the confirmation letter that the finance has been cleared.

 

I asked what would happen if the dealer would not pay for this finance.

They said they would go after the dealer and not myself, as they finance is on the dealer's name.

Also they said they would have no interest of repossessing the car.

 

After this I called the dealer I got the car from and told him of this, and he said that the finance showing on the car is from his dealership stock finance, and that now I have made the payment for the car, it should clear within the next 2 to 3 working days.

 

I asked him to send me the confirmation letter that states that there is no outstanding finance on this vehicle any more.

 

I will wait and see how this goes on.

 

Thanks again for advice.

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all main dealerships have finance stocking plans - no need to worry about this, a call to the dealer will sort the problem all they need to do is advise the finance company that they have sold the car.

 

most dealers have funding up to 90 from there finance companies at no interest.

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