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    • STUPID TYPO IN MY ANGER CORRECTED.   Breaking: MPs have rejected a plan to extend free school meals into the school holidays by 322 votes to 261. The Labour motion, which was defeated by a majority of 61, would have extended provision of hot food for children until Easter 2021.   Boris Johnson had whipped Tory MPs to vote against the plan - BUT ANY WITH A SHRED OF DECENCY SHOULD HAVE VOTED FOR IT ANYWAY.   Johnson happy to give £500 million to serco to fail to gather 250 spits samples a day but will see children go hungry Utterly unfit to be considered a human being.     https://www.independent.co.uk/news/uk/politics/free-school-meals-vote-marcus-rashford-boris-johnson-holidays-b1209118.html
    • Hello,   My mother took an unregulated secured loan in 2001 for a total amount of £31,075 including PPI which we have tried claiming back but was sold through broker who now don’t exist.    When we requested SAR in Oct 2019 having added up payments made up to that point and including all payments sent up to sept 2020 she has paid £81,895.40 and still owes approx £40,000 (not an updated settlement figure)    unfortunately she did default a few times in the first 3 years of the loan agreement however has not defaulted since November 2004.     We frankly can not make head nor tail of the charges and subsequent interest added on the charges.    I am so desperate to make some headway and get some clarity on what to do for her.    PLEASE PLEASE CAN SOME HELP!!!!
    • Breaking: MPs have rejected a plan to extend free school meals into the school holidays by 322 votes to 261. The Labour motion, which was defeated by a majority of 61, would have extended provision of hot food for children until Easter 2021.   Boris Johnson had whipped Tory MPs to vote against the plan - BUT ANY WITH A SHRED OF DECENCY SHOULD HAVE VOTED AGAINST IT ANYWAY.   happy to give £500 million to serco to fail to gather 250 spits samples a day but will see children go hungry Utterly unfit to be considered a human being.     https://www.independent.co.uk/news/uk/politics/free-school-meals-vote-marcus-rashford-boris-johnson-holidays-b1209118.html  
    • this one where you've posted swift advances under mortgage companies forum
    • Hello,   what forum should I put it under? 
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
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      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
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Golden Sands Rhyl...........Late payment


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To prevent us continuing in circles, could someone post up a copy of a lease agreement (personal details, if any, removed) here.

 

 

Also, whilst on the subject of legalities - what happens if youwant to buy a caravan on this site. Some (most) sites I know about will only allow you to purchase a caravan from a particular dealer. Is that true here? How is finanace arranged?

 

The reason I ask is that I suspect that, in some cases, not necessarily at Golden Sands, the whole structure for purchasing new caravans is unlawful:

 

1. The site puts themselves in position of agent in making you buy the caravan through them

2. They get a commission from the vendor

3. If that commission is not explicitly agreed to by the purchaser in terms of its existence and amount, the site is in breach of it duty as agent contrary to common law

4. The site organises finance

5. if the commissionis not explicitly stated on the HP or finance agreement as part of the total cost of credit, then the agreement is not properly executed and, furthermore, because the prescribed terms are thus mis-stated, the agrement is not enforceable

 

Thoughts?

Steven

 

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Happyowner, I did not lose my caravan I simply moved to another park with better facilities and am very happy :D

 

Red Rebel

Come on the mighty reds!!!!!!

 

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On Golden Sands you buy the caravan only though them now, they arrange all the finance. You dont go through anyone else.

You are allowed to sell your caravan to anyone as long as the park people approve the person you are slling too, they then take 15% commision.

 

Red Rebel, if you are happy with your caravan on a new site then please stop going on about Golden Sands, get a life please and leave us who love our park alone.

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Can someone post up a copy of a credit/HP agreement (personal details removed) that GS use - I would really like to see it.

 

There is still the question of whether GS treated Red Rebel lawfully. If not, he may have recourse in law.

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Hi Steven4064,

If you want to buy a caravan on this site, you have to buy through the camp. They no longer deal with the "Local Traders." Any van you see on LLoyd's or Kellets. is £10,000 dearer on Golden Sands.

They are now sole agents.

The first thing they did was to remove all the prices from the vans "for sale" When I enquired about part exchange, I was told they would take my van and £xx,xxx but no information on the cost of the van or on the allowance for my van.

Even though the code of practice they issue. outlines the commision to be paid by the vendor, NO person has successfuly conducted a private sale through this company.

They do advertise guranteed acceptance finance. but I have had no dealings with them So i cannot comment.

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See post #250 - I bet the whole arrangement is unlawful and have no idea why trading standards allow them to get a way with it.

 

By 'them', I don't just mean GS but the whole industry as this arrangement is typical of all sites.

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Hi steven4064,

I believe all sites are similar. That is why I chose to make a stand here, and not to move to another site.

May be trading standards won't act on the odd complaint. They may need a few similar complaints on the same subject or site before they take action.

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If it was just a question of unfairness or dodgyness, yes. If it is actually unlawful, I think they have to act, even on one complaint.

 

However, if a credit agreement is unenforceable, they won't be intersted in that - but the debtor might be

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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I have just checked on the Bh and Hpa website (who produce the licence agreements), it states that the licences are approved by the OFT.

 

I personally dont see what the problem is, if the site only want to sell their own caravans then that is there choice, why should they let other business sell products onto their site and they dont have to suffer the running costs of it?

I really dont get where you guys are coming from on this?

 

If people dont like what they sign up to then they shouldnt sign up to it, we have our agreement and dont have any problem with it!

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They don't sell their own caravans, they act as an agent and they make money out of commissions in so doing. This commission is actually paid in the end by the buyer although it doesn't usually appear on any documents. THis means they are paying over the odds for the caravan because they are financing the back-hander to the site. This is contrary to common law, at least, is probbaly against competition regulations and may actually be fraud.

 

If the commission can be shown to be 'hidden' in a credit agreement, the said agreement is then unenforceable.

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Hi happyowner,

OFT's Guidance on un fair terms in holiday caravan agreements dated September 2005.

Section 3.4. Quote :- In 1983 we agreed a voluntary code of practice with NCC & BH & HPA. and they jointly promote a model pitch licence.

It was reviewed in 2001 and I quote :- With effect from 31st December 2001 we withdrew support from all 42 existing codes.

Hence the need for the document mentioned above.

Edited by just-ice
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Happyowner

Glasses caravan price guide. (The Book they always refer to when they are buying vans back).

Says the guide price of a Willaby Boston double unit is under £55,000.

G/s price for it is £79,900. reduced from £89,900.

The site running costs are paid annually by the caravan owners and have no bearing on the cost of the caravan.

So blatent profiteering is the problem!

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[edit - I already covered these points in my post above - it does not need saying again]

 

The original message was it about been thrown of park, and was it lawful. The answer is simple. Where you given a reasonable enough time to pay your bills to the park? I have read on here that your know you had to pay in march. What date was your caravan removed from park? Aswer that question, and we will all be a little more enlightened to be able to make an unbiaist opinion of our own.

Can you do that?

 

Thanks

 

I THINK THE FACT THAT NO ONE HAS REPLIED TO MY MESSAGE, ONLY PROVES THAT i WAS RIGHT. I think its time to move on and get on with things. I must admit, there are a few people on here that sound VERY, VERY simular to other people, almost as if they have opened up more than 1 account, just to back themselves up.

 

Bottom line people, if you think you have been hard done by, take the nessessary steps to do something about it. Go to a brief or something. If you dont, then just move on and stop moaning, just for the sake of moaning. then there are other people ;), who just need to find hobbies.

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Hi Happyowner.

 

Could you tell me,how did you get onto the BH and HPA website.I have been trying on my other computors, and it wont let you on.

If you could tell me how I will give it another try. I can only get on to www. Myholidaycaravan.com which does mention BH and HPA but is not their website.

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I THINK THE FACT THAT NO ONE HAS REPLIED TO MY MESSAGE, ONLY PROVES THAT i WAS RIGHT. I think its time to move on and get on with things. I must admit, there are a few people on here that sound VERY, VERY simular to other people, almost as if they have opened up more than 1 account, just to back themselves up.

 

Bottom line people, if you think you have been hard done by, take the nessessary steps to do something about it. Go to a brief or something. If you dont, then just move on and stop moaning, just for the sake of moaning. then there are other people ;), who just need to find hobbies.

oooooop's sounds like an unhappy larry

There are people who sound similar even down to their names.

Edited by just-ice
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Hi Happyowner.

 

Could you tell me,how did you get onto the BH and HPA website.I have been trying on my other computors, and it wont let you on.

If you could tell me how I will give it another try. I can only get on to www. Myholidaycaravan.com which does mention BH and HPA but is not their website.

 

 

Thats what Im taking about. lol. Do we have a couple of logins aswel Catweasel, or is it just-ice, or are we jacktherat at the moment? lol. :D:D:-o

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Hi Happyowner.

 

Just thought I would let you know I was down Golden Sands at the weekend and there was quite a few empty pitches so why not tell all your jealous friends to leave their parks and come and join the site too!:-|

 

Oh by the way, I have not paid my extra £595. :lol::D

 

 

Ooooops. See ya!

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Look like we wont be enjoying a beer with jacktherat soon. Im sure someone else be more than happy to take up his/her plot. Someone that like the rest of us, will make the most of it, and enjoy it. Good times ahead I see

 

Bit optermistic arn't you fill all the other empty bases first

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Hey Larry havn't you had enough warnings about your conduct on here or is there an alterior motive........such as getting this thread closed;)

 

Red Rebel

Come on the mighty reds!!!!!!

 

Lloyds TSB - Success - 14/7/07

Lloyds TSB - Pending -

Halifax - Pending -

 

 

Tip my scales if I have been of assistance :D

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Please note that this topic has not had any new posts for the last 4074 days.

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