Jump to content


  • Tweets

  • Posts

    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
  • Recommended Topics

  • 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
  • Recommended Topics

Voluntary Surrender of Vehicle letter from Red2Black


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5358 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

Hi, I am looking for some advice please.

Purchased a vehicle through GE Money (now Santander) in August 2006 on a 5 year loan. Been struggling for the past 11 months and now £600.00 in arrears, Recieved a demand from a collection company called CodeRed (but who said I should contact Viking Collection Services) who I CCA'd (to provide me with a true copy of the credit agreement ). Strangely I got a reply with the documents directly from Santander. I then received a letter of demand from Red2Black who I also CCA'd on 7 August this year. I have received no reply to that but today received a lettr from them saying that Santander has instructed them to accept a Voluntrary Surrender of Vehicle. They have asked me to sign an attached form and return to them within 7 days to arrange return of the vehicle. Can they do this? Yes I am in arrears but have been trying to make regular payments and I obviusly dont want to lose the car. Thanks in advance for any help.

Also posted under repossesions

Link to post
Share on other sites

Interesting And Sounds A Con

 

You Can Do A Vt On A Hp Agreement But This Sounds Like A Repo In Disguise

 

Do You Still Have Your Original Agreement

 

Redtoblack Are A Repo Outfit

 

As A Rule The Rac/aa Would Do An Inspection On The Vehicle Before Its Returned

 

It Seems To Me That The Account Has Been Passed To A Dca

 

At The Top Of The Agreement Does It Say

 

hire Purchess Agreement Regulated By The Consumer Credit Act 1974

or

personel Loan Agreement Reg

or Fixed Sum Loan Agreement

Link to post
Share on other sites

Thank you for your comments. Yes I have the agreement - Fixed Sum Loan Agreement Regulated By The Consumer Credit Act 1974.

Can they force me to sign this? I was under the impression that I could request a Voluntary Surrender but not have it forced on me.

As they have not responded to my CCA request (sent by recorded delivery) is there anything else I can do? Many thanks

Link to post
Share on other sites

ok

its now confirmed

they cant repo with out a court order

even if they come to your house, refuse to hand over the keys

if they do a repo with out a court order, you will be entitled to all your repayments back

 

 

can you post up the letters ref the voluntry surrender

 

remember to deleate all things to identify your self

 

glad you sussed how to post docs

 

well done

Edited by postggj
Link to post
Share on other sites

This Is A Fixed Sum Loan Agreement

 

What You Need To Do Is Write To Ge

Ask Them For A Settlement Figure Valid For 28 Days

 

As Its A Fixed Sum Loan Agreement You Should Be Able To Sell The Vehicle As Its Not Registered On The Hpi And Any Balance Paid To The Finance Co Thats Due

Link to post
Share on other sites

The Funding Co Use Red2black On Its Repo

Sign Nothing

Refuse To Give The Keys If They Try And Repo

If They Tow It, Let Them

 

They Will Then Have To Ay Back To You Every Penny You Have Paid And You Get To Keep The Car As It Will Be Classed As A Gift

Link to post
Share on other sites

The Only Thing I Can Say On That Letter Is

 

Sod Off Red2black

 

They Need A Court Order For A Repo, And They Know It

 

Ask Them For A Settlement Figure As In Post 12

 

That Would Be From Ge Not Red2black

Phone Them And Back It Up By Letter By Recorded Delievery

Link to post
Share on other sites

The Funding Co Use Red2black On Its Repo

Sign Nothing

Refuse To Give The Keys If They Try And Repo

If They Tow It, Let Them

This is a loan, not HP

 

Shouldn't the advice be: "if they tow it; call the police & report the theft"

 

They Will Then Have To Ay Back To You Every Penny You Have Paid And You Get To Keep The Car As It Will Be Classed As A Gift

 

Except that you would have to try to get the car back from them. I suspect that they might be very good at hiding things, making confusion, having a bouncer stand in your way etc. I suspect that you would have to take them to court to get the car back

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...