Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • EU deal replicated 'as far as possible' ... aka less than   "The British Government is continuing to work intensively on securing continuity with other countries. We have secured agreements – either signed or agreed in principle - that account for 64% of the UK’s trade with all the countries with which the UK is seeking continuity, should we leave the EU without a deal."   With what I've seen on that page I linked earlier, that would seem to be decidedly unambitious 'trade deals across the world larger than the EU
    • dx100uk - thank you for your advice.  I will send a SAR to Vanquis and really appreciate all the help on here.   I may have read your last sentence in the way that it was not intended but it has came across very judgmental and not helpful.  I have came on this site for some help, not to be judged.  If that was not your intention then I apologise as I realise text can be read in the way it was not intended.  
    • . I'm sorry but this is not correct. There is a very long established rule that you are required to exercise utmost good faith (uberrima fides) when becoming a party to any kind of insurance contract. This means that you have quite a strict duty to accept responsibility for disclosing any information which a reasonable person in your position might understand could materially affect the risk. I can imagine that the interpretation of this rule would not be applied quite so strictly to a very new and young driver – but the more that one has been driving and the more insurance policies one has held, then I think that the stricter  this rule becomes. It is also well established that one can misrepresent something simply by withholding information – by silence. I'm sorry to say that I think that this rule and the value of it is so self-evident that it is scarcely worth discussing. I wouldn't start raising this issue if I were you with insurers or the courts because you will come away with a bloody nose and loss of credibility
    • @unclebulgaria67 your point is particularly valid especially in regards to loss in the event of a claim. Irrespective of 2x SP30’s or not the vehicle is insured for its full market value. The insurers rating changes based on risk against those endorsements, where said risk calculation isn’t made available.    Also I question the validation of 22% in premium. Is that based on today’s risk profiling, or is that applied retrospectively to day 1 and can that be evidenced.    One thing that is very clear, is that to bring about any degree of misrepresentation the insurer has to have evidence that questions were asked in regards to the endorsements.   This was an auto renewal and when I’ve checked the Brokers electronic Copy on “My Policy’ at renewal, there is no section included relative to accidents in the last 5 yrs or Motoring convictions. Everything else relative to me and the named driver is listed. 
    • Here is what exposes Johnson & Co Commission document, makes for sober reading   Wonder if Snake Oil Singham has read and digested it?   https://ec.europa.eu/info/sites/info/files/brexit_files/info_site/com_2020_324_2_communication_from_commission_to_inst_en_0.pdf
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
wordmole

Motor home/caravan hire purchase enforeable?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4022 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have a hire purchase agreement for a motor home and I wonder whether it is enforceable. I have just checked through it and although it mentions charge for credit, the APR is not shown anywhere. The agreeement is with Caprital Bank and I do not have a signed copy of the agreement or a formal follow letter. I just have a copy of the orgiinal which I must have signed.

 

The sum in question is 28k over 10 years and the agreement was taken out in 2007.

 

I really want to query this but don't want to look like an idiot.

Share this post


Link to post
Share on other sites

Hi Wordmole

 

Can you scan the paperwork you have, blank out any identifying info (names/address/phone/account number etc.), and post here via photobucket?

Share this post


Link to post
Share on other sites

I will have a go - not sure about photobucket though ... is that the only option?

Share this post


Link to post
Share on other sites

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

Hi,

 

I hope this works, I have uploaded the doc as an attachment if not I will try the other route. I was a bit concerned about how public it would be on the photo hosting sites but given the number of members here it makes not a lot of difference.

Motorhome agreement 1.jpg

motorhome agreement 2.jpg

Share this post


Link to post
Share on other sites

Having looked at the images I posted I have given Tiny Pic a try and here is the link to the documents:

 

6ehcnb.jpg

 

amrupz.jpg

 

I hope it works but any hints and tips always appreciated.

Share this post


Link to post
Share on other sites

Those are too small, I'm afraid. Zoomed in can't be read.

 

As long as you blank out all the personal info it will be anonymous....

Share this post


Link to post
Share on other sites

Ah, much better!

Share this post


Link to post
Share on other sites

Do you also have a copy of the T&C's?

Share this post


Link to post
Share on other sites

Herewith the Ts and Cs ... no doubt there will be some glaringly obvious water tight clause that I have missed.

 

2vb7ckh.jpg

 

24ov82e.jpg

Share this post


Link to post
Share on other sites

Having a look through - I'm sure others will be along soon too.....

Share this post


Link to post
Share on other sites

Thank you so much for taking the time to have a look at this for me.

 

I have been doing a bit of research only to find that because of the amount this is a non regulated agreement and I therefore have less protection than an agreement which is for less than 25K.

 

I wouldn't be looking in to this if I hadn't been made redundant ... the way of the world at the moment.

Share this post


Link to post
Share on other sites

Absolutely. I'm sorry to hear about your redundancy.

 

It's the non-regulated part I'm not sure about. If it was a regulated CCA then the prescribed terms don't look correct, but in this case I'm not sure. I'll keep checking and post back, hopefully someone with knowledge of these things will join in too....

Share this post


Link to post
Share on other sites

Thanks for your replies so far.

 

I can't help thinking that regulated or not there should be an APR but it is hard to know what happens when these CCAs fall slightly outside the norm. I hope someone will have some guidance for me and point me in the right direction ... if it is wrong, I need to handle this appropropriately.

 

Many thanks.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...