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    • Hmmm, interesting point. In my career, that I am retired from now, there were an immense amount of rules and regulations that one had to adhere to by law. The qualification process is rigorous with on going assessments throughout your career and re-certification every 12 months. If you were shown to be not competent in those rules and regulations you could not hold the position and the operational consequences of that could potentially be dire. In the same respect, perhaps a judge who is not conversant in the rules of POFA should not sit in on cases that requires proficiency in that area? I also bow to your considerable knowledge in this area, perhaps I shouldn't be commenting but by doing so I find it helps the learning process. Your last point has just reminded me of something that may help my case, thank you.
    • Just had an email re the my breache in agreement by her rep.   I asked you yesterday if they had asked about her name in the thread being removed.   The issue they have is the Elizabeth turner and genetic pups entry on google.   they knew I did not put it up and told them so in court.  I dnt know how to post on google.   I told them I cannot remove what I did not post.  when i come back here and saw her name gone from threads title, I presumed her reps sought it.   now I get an email saying her names still on google ur breaching the agreement as it’s still on google.  
    • Peter McCormack says "ambition is big" and Real Bedford's attendances are increasing with promotions.View the full article
    • How does one obtain the permit? The permit team number is only open between the hours of 9am to 3pm Mon - Fri. It says on the website, To obtain an additional 2 hours, the driver must pay a tariff of £3.00 + booking fees in person at our Security Hut, is that how you get the permit also, from the security hut? What a rigmaroll that would be but maybe just another step to take to try and catch people out?
    • Anotheruser0000 bear in mind that not all Judges are equally versed in the PoFA regulations. Fortunately now most of them are but sometimes a Judge from a higher Court sits in who is well experienced  in Law but not PoFA. and so they sometimes go "offkey" because their knowledge can raise a different set of arguments and solutions. It does seem particularly unfair  when the decision is so  bad . it can also be that in some situations the motorist being a lay person is not sufficiently know ledgeable to be able to counter a Judge's decisions in a way that a barrister could.
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    • If you are buying a used car – you need to read this survival guide.
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    • 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.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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
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The Funding Corporation....URGENT HELP NEEDED


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Hi all, wonder if anyone could please help me.

I have a bos with TFC, for a car that I had off them some 2 years + ago, I still have the car, and have been paying them every month an outragous amount of money, and had not missed a payment till a few months ago, to which they simply added on to the end of the agreement. However now due to unforseen financial problems, I am no longer in position to keep up these payments on my car, so have missed last month's payment, to which I have been unendated with calls, texts, and letters. I have on several occasions spoken to TFC, and advised them that I can not afford to make these payments, as I have the option of paying them, or feeding my 4 children for the month.

I offered them a sensible offer of payment and asked if they cpould reduce the payments and extend the agreement, so we could manage, but they declined, eventually after receiving a default notice from them, and having asked them 5 times to reduce payments, they agreed to send out a financial statement for me to fill in and send back, showing my incomings, and outgoings. This was faxed back to them with a offer for half of the amount I am currently paying.

When they called again , they made out firstly that they had not received the fax, then they were informed by us that we are not stupid enough to send a fax, and not retain a receipt for it showing the date and time it was sent/received. Miraculously it appeared on the guys desk, to which he began to question our outgoings, eventually the amount was agreed, and we were told to await a call for our card details, Monday arrived and still no call, so we called them, only to be told they had declined the offer. We have since discovered that we could possibly have a void BOS, due to the fact that there is no signiture on it for TFC, or date, no agreement number, and the witness that signed was actually the sales rep, however he has signed in a different name but there was myself, my hubby, and my dad present when this happened........Ideally we would like to keep our car, as we have paid over the cash price for it already, but TFC are saying we still owe just over £16,000. Also we were made to purchase the ppi, which has bumped up the costs involved, we have been told to find out if there is any finance attached to vehicle, and if not to sell it fast....we just dont know what to do, and are getting extremly worried that they will come and repossess the car.

someone please help...may thanks, sorry thread is bit long..

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Hi thanks for your reply.

Yes we still have our copy of agreement, but it seems to be an illegal copy as it has certain things missing from it.

Bearing in mind that they have rejected our offer of monthly payments,

What rights do we now have?

What advice would you suggest as next steps?

Are TFC encompassed under the same revokation of license as LBL?

thanks for your time.

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Hi postggj.

 

Thanks for your reply. I have followed your instruction and registered with photobucket, but can't see how to "upload link for message boards without thumbnails".

Where is this option and how do i do it please?

 

It may be staring me in the face, but I can't see the woods for the trees lol.

 

Thankyou

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  • 2 weeks later...
have you paid 1/3 of the total?

 

So about £9000?

 

Jogs

 

Balance outstanding = 16312.85

 

Just over 11000 paid to them.....not sure how much is actually paid against the car alone though?

My guess is that majority share is PPI cr@p etc?

Edited by enragedbos
further question
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Have spoken to TFC today, they say basically they wont deal with us, and that the account has been passed to the collections agent, and therefore we need to speak to him, and pay him the two owed payments, or give him the car.......really dont know what to do ......

please help......

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Have spoken to TFC today, they say basically they wont deal with us, and that the account has been passed to the collections agent, and therefore we need to speak to him, and pay him the two owed payments, or give him the car.......really dont know what to do ......

please help......

 

 

Hi enragedbos

 

Don't give them the car, if you surrender that car they will sell it on the cheap. I've had a look at the paperwork quickly, you have paid more than a 1/3, so they have to take you to court to repo the car.

 

Did the repo guy give you a card? If they do return ask to see HIS baliff warrant. If he is repo without one he breaking the law.

 

trooper68

Trooper68:)

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bloody hell jogs

this is criminal

 

ok

 

enraged

 

this is what i want you to do

 

let him repo the car but dont surender it voluntry and sign nothing

 

as soon as he has done that it will be illegal recession of contract

 

you will get back all you have paid with 8% apr, they will have to give you the car back or pay replacement cost on top of your payments allready made

 

ask for id and make a note of name and company

 

dont give him the keys

 

no fuss or argument please

 

it will then be pay back time and you deserve it

 

and i thought welcome were bad

 

its time to go on the offensive

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bloody hell jogs

this is criminal

 

ok

 

enraged

 

this is what i want you to do

 

let him repo the car but dont surender it voluntry and sign nothing

 

as soon as he has done that it will be illegal recession of contract

 

you will get back all you have paid with 8% apr, they will have to give you the car back or pay replacement cost on top of your payments allready made

 

ask for id and make a note of name and company

 

dont give him the keys

 

no fuss or argument please

 

it will then be pay back time and you deserve it

 

and i thought welcome were bad

 

its time to go on the offensive

 

Hi and thanks for reply...

 

...but where did you get this advice from?

....how would I be able to recover the monies you say they would have to repay me?

....what time span am I looking at?

....Am conscious of digging ourselves into a deeper hole here....:confused:

 

Trooper says "don't give it"....you say "do"????

Which way please?

Edited by enragedbos
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Hi again.

 

Have read this link.......wow..:eek::confused::eek:

even more confused now.....

 

Trying to move on with our own issue, but at the same time, trying to link in any similarities from other links....bamboozled....am now blinded by words..:grin:

 

Without any lack of respect to anyone willing to help us...(we really do think you guys are a godsend, and all help thus far has been amazing door-opener :-))....please can we work at a pace where my aching brain is able to understand and take in any advice you may have for us?

Edited by enragedbos
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evening al

 

thought you would like it

 

ha ha....my god!!!!

 

Made very interesting reading and can see why you would put link in thread ;-)

 

What would you advise us do then please mate?

 

Really appreciate your thoughts here mate.

Edited by enragedbos
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Bump

Hi all, thanks for all your advice, you have all been great.

 

I have more news.......i finally received my copy of BOS from TFC....I have checked through it and have seen that although it is court stamped, and therefore registered, the court stamp date is actually 17 days after we purchased car, making it 10 days after the 7 day required period.......Is this right for registering the BOS and having it stamprd at court?

Also the agreement number on every sheet has been hand written on the top of the pages, almost like it has been recently added, as they have sent a photo copy of the BOS to us, is this legal? or does it have be typed in like the rest of the document?

 

Many thanks

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Well The Agreement Is Not Secured By A Bill Of Sale

 

Have I Seen Your Agreement

 

Do You Still Have The Car

 

Hi postggj...how are you?

 

My wife started this thread off, and the posts are hers....I have scanned and stored all copies of agreement on photobucket as you requested in an earlier post within this thread.Link below...

 

 

As yet, the BOS has not been posted as I have only just got in from work, it will be up in due course.

 

BOS is actually 12 days from agreement date...not, as stated, 17.

 

Yes, we still have the car...although it is hidden at the moment.

"Collector" has been round twice now for money or car - no ID - no paperwork at all, other than a black & white letterheaded letter from TFC.

 

He became very uneasy when I demanded to know who he worked for...was he a bailiff....can I see his ID....he disappeared very quickly!!!

 

...input please??

 

Thankyou in advance..:)

Edited by enragedbos
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