Jump to content


  • Tweets

  • Posts

    • I googled "prescribed disability" to see where it is defined for the purposes of S.92. I found HMRC's definition, which included deafness. I don't  think anyone is saying deaf people cant drive, though! digging deeper,  Is it that “prescribed disability” (for the purposes of S.88 and S.92) is defined at: The Motor Vehicles (Driving Licences) Regulations 1999 WWW.LEGISLATION.GOV.UK These Regulations consolidate with amendments the Motor Vehicles (Driving Licences) Regulations 1996...   ….. and sleep apnoea / increased daytime sleepiness is NOT included there directly as a condition but only becomes prescribed under “liability to sudden attacks of disabling giddiness or fainting” (but falling asleep isn't fainting!), so it isn’t defined there as a “prescribed disability”  Yet, under S.92(2)(b) RTA 1988 “ any other disability likely to cause the driving of a vehicle by him in pursuance of a licence to be a source of danger to the public" So (IMHO) sleep apnea / daytime sleepiness MIGHT be a prescribed disability, but only if it causes likelihood of "driving being a source of danger to the public" : which is where meeting / not meeting the medical standard of fitness to drive comes into play?  
    • You can counter a Judges's question on why you didn't respond by pointing out that any company that charges you with stopping at a zebra crossing is likely to be of a criminal mentality and so unlikely to cancel the PCN plus you didn't want to give away any knowledge you had at that time that could allow them to counteract your claim if it went to Court. There are many ways in which you can see off their stupid claim-you will see them in other threads  where our members have been caught by Met at other airports as well as Bristol.  Time and again they take motorists to Court for "NO Stopping" apparently completely forgetting that the have lost doing that because no stopping is prohibitory and cannot form a contract. Yet they keep on issuing PCNs because so many people just pay up . Crazy . You can see what chuckleheads they are when you read their Claim form which is pursuing you as the driver or the keeper. they don't seem to understand that on airport land because of the Bye laws, the keeper is never liable.   
    • The video-sharing app told the BBC that a "very limited" number of accounts had been compromised.View the full article
    • The King is the second monarch to appear on Bank of England notes which will be fed gradually into the system.View the full article
    • The King is the second monarch to appear on Bank of England notes which will be fed gradually into the system.View the full article
  • 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

Liverpool Victoria Flexi Loan CCA Enforceable?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4772 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

  • 2 weeks later...

If this is a valid CCA does anyone have any ideas on how I could get this debt reduced? Should I start paying them reduced repayments, that I have already proposed to them?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

I have never had any charges on this loan as I have kept up to date with payments until Dec 09. I presume I should start paying them what I can afford as they have agreed to this for a 6 month period before I requested a CCA. Do you think if I didn't pay they would pass it to a DCA who may accept a reduced F+F settlement? I am unsure which path to go down.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

If you didn't pay they will almost certainly pass it on to a DCA once they've exhausted their internal collection processes, but at the end of the day you can only pay what you can afford. Even in the worse case scenario and they applied for a CCJ against you, depending on your circumstances a judge would only make a repayment order at a rate which he thinks you could realistically afford, which could be as little as £1 per month if you were on benefits. But obviously he would have to evaluate an income and expenditure declaration which you would have to provide.

Link to post
Share on other sites

Cheers, could you clarify something for me. What is the differrence between a CCJ and the judge making me pay what I can afford?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

It doesnt show the rate of interest, it is possibly unenforceable. It has to show both the APR and the rate of intest (they are 2 different things). The rate of interest is a prescribed term.

Link to post
Share on other sites

In the text beneath "Total Charge for credit comprising of Interest charges only" it states;

 

'Interest is calculated on the amount of credit as it reduces over the term of the Agreement at a monthly rate of .945%. The interest payable is totalled and added as lump sum to your account on the day the advance is made.'

 

I know it's not a very clear copy.

 

I presume this statement would cover this?

 

Thanks

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

Also in the Sheet titled Terms & Conditions of the Agreement point 2 states the monthly rate of .945% equates to the APR of 11.9%. This is not the case 12 x 0.945 = 11.34%. Am I missing something here or is this an error in the agreement?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

Also in the Sheet titled Terms & Conditions of the Agreement point 2 states the monthly rate of .945% equates to the APR of 11.9%. This is not the case 12 x 0.945 = 11.34%. Am I missing something here or is this an error in the agreement?

 

11.34 is right as this is not the same as the APR if it was showing a yearly rate of interest. I am however perplexed by the statement 'Interest is calculated on the amount of credit as it reduces over the term of the Agreement at a monthly rate of .945%.

 

You need to find out if this is right.

 

So the agreement looks enforceable if all the figures add up

Link to post
Share on other sites

  • 3 months later...

Not heard a peep from LV until today when I received this...

 

Accountsold.jpg

 

They have not sent me a Default Notice or Termination Letter. Does this mean they can only claim back arears? as it does with credit cards?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

Also the letter states Dec 2009? have they gone back to the future?:confused:

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

hmmm. I thought that I didn't have any ammo against them until now! Not sure if the same rules apply to loans as they do with credit cards regarding defualt notices?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

So...whats the next step? I am at this point with about 8 creditors! Do I wait for court proceedings? or should I commence proceeding? I have far to many OC's to deal with at once! I don't want to get myself out of my depth.

Edited by Me against them!

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

  • 4 weeks later...

I've just went back through all my correspondance with LV and noticed t a Formal Demand for payment, this letter refer's to a Default Notice which they say I was issued. Its states I did not remedy in the preiod they gave me! I overlooked this as I thought it was just another letter demanding payment. I have filed all coresspondance and have definately not received a DN from them in any shape or form!

 

The lack of DN was my main weapon aganist them! If I was taken to court could the produce a DN even though I did not receive it???

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

So thats a good thing right? How do creditors defend against invalid DN's if they fail to keep evidence of them?

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

  • 2 weeks later...

Just checked my credit file with equifax and have found that both LV and Quapquest have registered defaults on the 12th March. Surely this is unacceptable!

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

  • 1 year later...

I don't believe this! I moved house a year ago and have just been forwarded some old post. In amongst it was a statutory demand under sec 268(1)(a) of the Insolvency Act, which is from capquest dated 28th Feb 2011. Obviously I have not responded as I was completely unaware of this until now.Another letter from capquest dated 28th March 2011 confirmed that I have not made a response, they state they now have no alternative but to instruct their feild angents resovlecall to attend the address (old adress) and personally serve the statutory demand for bankruptcy!!!Can somebody please help me with what action I need to take with this? Thankyou in advance.

HSBC - Successfully Claimed back Charges & Interest £1265

Barclaycard Successfully Claimed back Charges & Interest £400

Abbey - Successfully Claimed back PPI £960

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...