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    • Thanks for your replies - sorry I don't know how to reply to individuals.   I have just had it confirmed on the phone to me today that they reported missed payment to the CRA and the response was supposedly sent via mail which I never received hence them sending me the copy via email today.  That is the reason I thought I couldn't complain to FOS.  I do owe the money that is on the account and stupidly agreed to pay which I can't get out of now.
    • Hi ericsbrother,   Will certainly take pictures around the site and everywhere related to the area in a few days time.    A year ago, it was completely free and I have been coming down this place for years before Minster took over the land. I would even pick up the rubbish if there was any, due to wildlife and a swans nest nearby.   Probably irrelevant in my defence but last time I was there, the bins were overfilled and there was rubbish blowing around the car park so they're certainly not maintaining the place.    Kal
    • I wonder if this idea is really generally applicable. Although I don't have immediately to hand any examples of where statute must be invoked in order to confer rights, it is certainly possible to exclude rights by reference to them in a contract – and the Contracts (Rights of Third Parties) Act 1999 springs to mind where you can exclude the rights of a third party to bring an action on a contract by specific reference within the contract
    • This is not correct.    Insurers have had a statutory right under the Consumer Insurance (Disclosure and Representations) Act 2012 (Schedule 1,  paragraphs 7 and 8 ) to proportionately reduce a claim where there has been "careless misrepresentation" by the insured. As it's a statutory right it does not have to appear in the insurance policy (and if it did appear it wouldn't be in the 'average clause' - that's not what average in insurance means). Insurers might choose to reference their right in the policy but they don't have to.
    • so allow July's to go through then cancel the DD and pay your leaving bill by another method. It is not about agreement, I wuldnt stay with a company that behaved like that once, let alone every month. Leave and fairly soon you wont regret it as thy are going to go bust like most of the small outfits but sooner.
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      I was in Sainsbury’s today and did scan and shop.
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Business Car Early Termination

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We have a car that is leased through a ltd company who are the legal owners. I am the registered keeper. All payments are up to date and it has 1 year and 3 months left from a 4 year contract and a baloon payment to make at the end.


I have had a disagreement with the company (owned by a family member) and they now want to take the car back on Tuesay i.e 2 days notice. They seem to think that they can hand the car back and incur no penalty from the finance company.


My question is: Is it possible for them to hand the car back on this type of agreement. Do they need to give the finance company any notive period and do I have any rights to a notice period?


Thanks in advance.

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