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    • Proportional representation would be a start, but I can't see the Conservatives voting for that now they've redrawn the constituency boundaries to suit themselves. Turkeys, Christmas and all that.
    • Sorry to hear about your problem, it's horrible when people take advantage like that.   I don't want to add to your woes, but road tax is not transferrable to a new owner so when he said 'road tax is paid so I have not to worry', he was wrong. See here:   https://www.gov.uk/sold-bought-vehicle   The last thing you need right now is another problem, so I'd either take the car off the road and make a SORN declaration or tax it as soon as possible. If you are planning on making life difficult for the seller then don't be surprised if he reports you for no tax!   I hope it all works out for you.
    • I recently purchased some wheels on eBay which were located at the other end of the country. The seller was happy for me to arrange a courier to collect them and I paid him for them.   I put a request for some quotes on Shiply and accepted one from a company with plenty of positive feedback, who claimed to be insured and would only take payment once the item was delivered. I paid a deposit of £8 immediately via PayPal.   Shortly after this, I recieved a message from the courier saying that because of Coronavirus they were no longer accepting payment at the door on delivery and would instead require payment by bank transfer two days before delivery. I paid the remaining fee of £44 as requested.   The day before delivery, I get a message from the seller say that he thinks the courier has collected the wrong items. I contact them immediately, and yes, they have collected the wrong items. They tell me that the seller was not present when they collected but had left a message at his works reception directing them to collect those items (the wrong ones). After I point out that they are wrong, they stop texting back.   I then get a message from the seller asking for my phone number so that we can figure out what to do. I send it, but have heard nothing from him since.   Today, while I was out, the courier has delivered the wrong items to my house an hour earlier than expected and my son has accepted them.   So, I wonder how to sort this out...   No doubt the courier will argue that they have done as directed and are not to blame. The seller will argue that he did not leave such a message/the courier misunderstood and he is not to blame either. So I get the sinking feeling that I will end up having to foot the bill for the wrong items to be returned AND the right ones to be delivered - only tripling the delivery cost!   Any suggestions??
    • Hi All, before I start I know there are similar threads of the topic I am raising, and each, of course, has its own unique scenario, which may benefit others. My case is as follows: 1. I saw a gumtree ad on the 16th of Oct 2020 for a Mercedes E220 CDI, priced at 7,500 2. I called the seller and said I will come over on the 17th of Oct 2020 to view. 3. On the 17th of Oct 2020 I went to his place where he is working and viewed the car. He is working for a major car rental company. I checked the car and of course asked the normal things to ask e.g. any insurance write-offs, loans, accidents, etc. The seller said the car is clean etc.no loan, he had a loan but all is paid off etc. and he has the papers. 4. I negotiated the car price to 6,800 because the rims were showing some signs of damage, the rear light had a small burst, cosmetics, etc. I checked all but did not see any sign of damage to the car (it's a black car, the car was a bit dirty, and the sun was already setting in) 5. We agreed on 6,800 and decided to purchase the car. We went into his office, where I paid cash, and also got a Car Sales Invoice with all details of the seller, and a V5C green slip 6. I purchased car insurance and drove off. I asked him about Road Tax and he said Road tax is paid so I have not to worry, just need car insurance. 7. On 18th of Oct 2020 I cleaned the car interior because it was really dirty inside - it took me a few hours so decided to clean the exterior the next day 8. On the 19th of Oct 2020 I went to clean the exterior and after the car was clean I noticed some parts were resprayed. I became a bit suspicious; so on the 19th of Oct 2020 in the eve, I went on the internet and run an HPI check. The outcome from the HPI did not show any accidents, insurance write-off but an outstanding Loan with Moneybarn. At this point, I thought maybe the database is not updated, etc. 9. On the 20th of Oct 2020, morning, things were going through my mind; the seller said the car is clean, no issues, no loan since he settled all etc. but the HPI reports say there is still some outstanding loan. So what I did, I called Moneybarn, and explained the situation, and gave them the contract number as well (since it was displayed on the HPI report). They said they will send me a form by email, but they cannot share any information due to Data Protection (GDPR). fair enough I thought, but what made me boil, they said they OWN the car! So, I took the car and drove to the seller where he is working. I confronted him. He said don't worry, I will handle it, he has no time, he is very busy and bla bla bla. I said what reasons do I have to trust you, you lied, and now you say you still have a debt, etc. So I said I will not leave until he has settled the debt, or repay me my money. I also asked what is outstanding, he said around 7,000. Well, since I confronted him at his workplace he may have felt the heat, he assured he will settle all soon, I said sorry, I need a date, so I said you will settle the debt with Moneybarn by 23 Oct 2020, if not, you will refund me my money. He said Ok he will do it, so I said, since I don't trust you, you will sign a piece of paper, and sign it. On the paper, he wrote "I will clear the debt for the Mercedes by Friday" and signed it. I said I am not happy and added the debt details with contract number, and also a clause that if he fails to settle the debt with Moneybarn by Friday the 23rd of Oct 2020, he will refund me my money, 6,800, and sales of the car Mercedes, license plate, will be void. Also, I said to put an initial on each amendment I made with signature. He did, and I left. 10. On 22 Oct I sent him a message, to remind him to settle the debt by Friday 23 Oct 2020 noontime and also I outlined some legal jargon I had to sent that I received from citizensadvice. 11. On 23 Oct, morning time, I received a message from the seller, he said he will not/cannot refund me the money, not to visit him at his office or place, and that he feels threatened by me. 12. Now, the dilemma/headache; a). I received the form from Moneybarn on the 20th of Oct 2020 and I have to send it back within 7 days b). the seller send me a message he will not refund the money c). is the seller holding the title with Moneybarn or did he also buy and not knowing there is an outstanding loan on it d). did he sent the V5C to DVLA since I have the green slip? e). Shall I fill in the form and sent it to Moneybarn? f). If Moneybarn has all my details they may send someone to repossess the car? 13. I decided, I will not undertake anything yet, because my mind said, go there, confront him, park the car in front of the company since I purchased it there and signed all paperwork in their office, they will call the police, the police will come and surely will not do anything but will force me to remove the car and park somewhere else, record all on camera, take all evidence, sent to Moneybarn and at the same time to the seller's employer (when I asked him to sign a letter he will settle the debt by Friday 23rd of Oct 2020, he used a paper of the car rental company, and on the back, the logo of the rental company is displayed clearly and he may have acted on behalf of the company to sell me the car, after all, I don't know if he holds the title with Moneybarn - well, this is an excuse for me to even sue the car rental company, or blacklist him with the company he is working for since it seems he is some type of manager there and he may have acted in the capacity as a sales person to sell the car to me on behalf the company....). 14. So on the 23rd of Oct 2020, I didn't do anything like described under 13....it's not my style as such I called AWH solicitors, explained all, and they said one person is specialized in dealing with such cases and will call me back after studying my case and inform me if it is something they can fight or not. So they will call me Monday the 26th of Oct 2020. I also said I want to go now and confront the seller, but she said better wait till Monday, and if they can fight the case, they will tell me the next course of action - but my funds are limited and cannot afford a lengthy battle, because if no case against Moneybarn means I will have to sue the seller to the court which will cost me. The car has comprehensive insurance and with all this saga I added on the 20th of Oct 2020 also legal insurance on top. Lengthy story, but I am trying to be as detailed as I can, and yes I should have done an HPI before buying the car, but I am from Holland and car sales work there a bit different, and this is my first time I buy from a private seller. Well, once I have sent the form to Moneybarn, I will park the car in a garage, and at this stage, I am renting a room in a house (there is one more tenant). Since I am from Holland, I am planning a trip within 2 weeks to visit my family and I will drive down with the car and in the meanwhile wait if the solicitor can be of any help. I need some advice though, I am still planning to drive down to the seller on Tuesday after I talked with the solicitor, park the car in front of the company, and confront the seller, and try to record all. I will also try to make him sign a letter that I purchased the car in good faith from him (regardless if he holds the title with Moneybarn or not but at least I purchased in good faith from him). Evidence that I have: 1. Car sales invoice 2. Paper that I made him sign 3. Gumtree ad; I could retract this from google history, but the original add removed from gumtree. At least I can show it was advertised 4. I tried to create a history of past owners, total owners including me are 5. It seems the car was also posted on gumtree before by a company in Essex (I saw on google). The reason for doing this, it is very likely that the seller purchased the car from someone else with an outstanding loan. Since then I read a lot on the internet, so please any advice is welcome to pursue my case, I paid a lot and at least I want my money back. Also what I read so far, Moneybarn is not easy to deal with...thanks in advance for any advice I can use for my case.
    • Hi   I think you need to check not just the serial number but what Meter Point Reference Number (MPRN) as the MPRN is what is registered and energy supplier go off as well as the serial number.   So you need to see what the MPRN is as well as the energy supplier it is registered with.   If you look at this Ofgem link: https://www.ofgem.gov.uk/consumers/household-gas-and-electricity-guide/connections-and-moving-home/who-my-gas-or-electricity-supplier   In the above link to do this check it gives a link to:   Find My Supplier: https://www.findmysupplier.energy/webapp/index.html (note you may have to complete a captcha, then input your postcode only and click find my address, when the list comes up click on your exact address, you will then see you actual MPRN and the energy supplier linked to your address)   With the above make sure and take the details of the MPRN and the Energy Supplier, better still take a screenshot/pdf the webpage.   Please let use know if on doing the above it matches your current supplier?  
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
      • 3 replies
    • 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.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      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.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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well i dont often show my arse in burtons window so i think you can assume it is a fairly safe bet!!

 

(i conceded that i stated 12 instead of 30 days in error)

 

I am sure that you will find that only CERTAIN parts of the previous act were not revised - the proposition that everything pre 2006 act is as was is just not correct IMO

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well i dont often show my arse in burtons window so i think you can assume it is a fairly safe bet!!

 

(i conceded that i stated 12 instead of 30 days in error)

 

will you also concede you were incorrect in your assumptions about the amendments brought forward by cca 06?

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nothing to do with this case

 

the offence bit was done away with a while ago- it was never enforced anyway!!

 

i would have thought that someone dealing with this issues for 25 years would be up to speed on this

 

never pays to shoot ones mouth off about something they clearly don't have a full grasp of.

 

imvho.:D

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i refer the honourable member to the reply i gave a few moments ago:D

 

yes, i have read you edited opinion

 

and it's cleary an opinion that is not bourne out of any factual discovery.

 

i had a major inkling you and pedro were wrong, and i have pressed you both for confirmation which neither of you supplied

 

and now the rhetoric from you changes to IMO

 

case closed.

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never pays to shoot ones mouth off about something they clearly don't have a full grasp of.

 

imvho.:D

 

well i'm happy to discuss it but not get into a fight about it so if that is the way the thread is going ill withdraw

 

but first suggesting that i donate 50 quid to the site if i am wrong and you donate 50 quid to the site if i am right!!

 

hows that for shooting my mouth off!!

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well i'm happy to discuss it but not get into a fight about it so if that is the way the thread is going ill withdraw

 

but first suggesting that i donate 50 quid to the site if i am wrong and you donate 50 quid to the site if i am right!!

 

hows that for shooting my mouth off!!

 

so are you now suggesting you are not 100% sure?

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yes, i have read you edited opinion

 

and it's cleary an opinion that is not bourne out of any factual discovery.

 

i had a major inkling you and pedro were wrong, and i have pressed you both for confirmation which neither of you supplied

 

and now the rhetoric from you changes to IMO

 

case closed.

 

EVERY POST i make is made IMO - i wouldn't want anyone to think otherwise (see the footnote)

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oh my we having fun with legal debate, fact is if they removed the offence section out of the CCA under 80 you would also be entitled to have an Hire Purchase Agreement on a car not pay for it and not tell them where the car is,,, This is an offence,,,,,, Any Claims Co that tells you that you could keep your car are bs-ing you.

 

Its a danger when people talk about newbies on sites like this ,,,, its apparent that the oldies dont like the newbies giving them facts.

 

If the law was about the day the agreement was written hence before April 07 and its now 09 ,,,,How come I have a job? lol stating it the way you did would mean that the law only lasted for one day.

 

Fact is it goes on when the agreement was commenced

other thing mentioned was that Credit Card Agreements don't have a total charge for credit. course they do and the law states this

 

60.—(1) The Secretary of State shall make regulations as to the form and content of

documents embodying regulated agreements, and the regulations shall contain such

provisions as appear to him appropriate with a view to ensuring that the debtor or

hirer is made aware of—

(a) the rights and duties conferred or imposed on him by the agreement,

(b) the amount and rate of the total charge for credit (in the case of a consumer

credit agreement),

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well i'm happy to discuss it but not get into a fight about it so if that is the way the thread is going ill withdraw

 

but first suggesting that i donate 50 quid to the site if i am wrong and you donate 50 quid to the site if i am right!!

 

hows that for shooting my mouth off!!

 

How about £500 ?

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oh my we having fun with legal debate, fact is if they removed the offence section out of the CCA under 80 you would also be entitled to have an Hire Purchase Agreement on a car not pay for it and not tell them where the car is,,, This is an offence,,,,,, Any Claims Co that tells you that you could keep your car are bs-ing you.

 

Its a danger when people talk about newbies on sites like this ,,,, its apparent that the oldies dont like the newbies giving them facts.

 

If the law was about the day the agreement was written hence before April 07 and its now 09 ,,,,How come I have a job? lol stating it the way you did would mean that the law only lasted for one day.

 

Fact is it goes on when the agreement was commenced

other thing mentioned was that Credit Card Agreements don't have a total charge for credit. course they do and the law states this

 

60.—(1) The Secretary of State shall make regulations as to the form and content of

documents embodying regulated agreements, and the regulations shall contain such

provisions as appear to him appropriate with a view to ensuring that the debtor or

hirer is made aware of—

(a) the rights and duties conferred or imposed on him by the agreement,

(b) the amount and rate of the total charge for credit (in the case of a consumer

credit agreement),

 

steeq

 

i am not an "old hand" as you suggest and i welcome your input- however this IS a forum that is often "inflitrated" by the other side (trolls) and it is not unknown for posters to try and mislead caggers

 

your appearance so soon after the recent mcGuffin case is bound to be viewed with a LITTLE suspicion and i am not saying that you are from the "other side" but you WILL be viewed by some of us with that possibility in mind (just as no doubt i and others first were) but please dont be offended- it is a reality of life on this site to keep our wits about us

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ohh... come on people!!! the offense after 30 days of default thingy in s77/78 is repealed by CCA2006, this is kind of common knowledge here.

 

By arguing against this one makes himself looking 'not up to speed' and 'read (and apparently write too) about law on internet' ;-) kind of person.

--------------------------------------------------

Yorkshire Bank ~1200£ of charges reclaimed many moons ago, settled out of court

HSBC ~350£ of charges reclaimed many moons ago, settled out of court

HSBC ~4000£ flexiloan CCA request sent May 2009, 'sorry, we do not have your CCA' letter received June 2009, AccountInDispute letter sent.

HSBC ~9000£ CC CCA request sent May 2009, no response, AccountInDispute letter sent.

HSBC - preliminary letter for about 300£ of unfair charges plus interest sent May 2009, LBA sent June 2009, N1 POC and Schedule of charges submitted July 2009

Egg - CCA, SAR, "no more calls" letter, DMP offer sent July 2009. Got a DN from Egg - wont say a word on this one until court papers are received.

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ohh... come on people!!! the offense after 30 days of default thingy in s77/78 is repealed by CCA2006, this is kind of common knowledge here.

 

By arguing against this one makes himself looking 'not up to speed' and 'read (and apparently write too) about law on internet' ;-) kind of person.

 

As I said its not enforced the CCA2006 did not repeal it ,,,,If it did repeal it no one would be claiming unenforcable credit agreements right now . You cant have bits of legislation covering one bit but not the other ,,,,,read CCA 2006 it takes unenforcability out of the equasion.... You are right about one thing though i read law on the internet from government websites as not every single word is in my brain.

 

If you guys think im from the other side you should check out my other posts here http://www.consumeractiongroup.co.uk/forum/bailiffs-sheriff-officers/65153-equita-caught-handed-2.html

 

Good night guys it was fun some of us have to work in a legal office tomorrow where there are solicitors.... hehe better tell them not to look up anything on the net..... not unless they come speak to all the solicitors on here first.... have fun guys

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ohh... come on people!!! the offense after 30 days of default thingy in s77/78 is repealed by CCA2006, this is kind of common knowledge here. from april 6th 2007, but all agreements made before that date reside within the act they were created in.

 

By arguing against this one makes himself looking 'not up to speed' and 'read (and apparently write too) about law on internet' ;-) kind of person.

 

my creditor has allready tried to slap me daft with the 2006 regs, but failed miserably, can't wait for their new angle.

 

cab

Cab1ne-Lombard-Shoosmiths **Claim Recieved**

http://www.consumeractiongroup.co.uk/forum/showthread.php?181761-Cab1ne-Lombard-Shoosmiths-**Claim-Recieved**/page25

Summary Judgement 01/02/2011 **REFUSED** set for trial "May 23rd To June 30th 2011"

DISCONTINUED 3rd MAY 2011 **WON**

 

santander" Responsible Lending!!!!!!!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?219431-quot-santander-quot-Responsible-Lending!!!!!!!

 

Capquest "V" Cab1ne

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?262962-Capquest-quot-V-quot-Cab1ne

 

"STAYED"

 

CAB "Sittin Tight"

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As I said its not enforced the CCA2006 did not repeal it ,,,,If it did repeal it no one would be claiming unenforcable credit agreements right now . You cant have bits of legislation covering one bit but not the other ,,,,,read CCA 2006 it takes unenforcability out of the equasion.... You are right about one thing though i read law on the internet from government websites as not every single word is in my brain.

 

If you guys think im from the other side you should check out my other posts here http://www.consumeractiongroup.co.uk/forum/bailiffs-sheriff-officers/65153-equita-caught-handed-2.html

 

Good night guys it was fun some of us have to work in a legal office tomorrow where there are solicitors.... hehe better tell them not to look up anything on the net..... not unless they come speak to all the solicitors on here first.... have fun guys

 

who "trumpted" and stuck his head under the blankets:eek:

 

cab

Cab1ne-Lombard-Shoosmiths **Claim Recieved**

http://www.consumeractiongroup.co.uk/forum/showthread.php?181761-Cab1ne-Lombard-Shoosmiths-**Claim-Recieved**/page25

Summary Judgement 01/02/2011 **REFUSED** set for trial "May 23rd To June 30th 2011"

DISCONTINUED 3rd MAY 2011 **WON**

 

santander" Responsible Lending!!!!!!!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?219431-quot-santander-quot-Responsible-Lending!!!!!!!

 

Capquest "V" Cab1ne

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?262962-Capquest-quot-V-quot-Cab1ne

 

"STAYED"

 

CAB "Sittin Tight"

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I suggest you refer to the Consumer Protection from Unfair Trading Act (CPUTR) 2008 which removed the summary offence from s77/79 after 30 days

 

It makes no difference when the agreement was made- the act removes the offence from any s77/79 requests made after 26 May 2008

 

 

The Consumer Protection from Unfair Trading Regulations 2008 (No. 1277) - Statute Law Database

 

Consumer Credit Act 1974 (c. 39) - Statute Law Database

 

 

 

 

 

goodnight. bum safely tucked away in trousers for another day

Edited by diddydicky
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Please note that this topic has not had any new posts for the last 4018 days.

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