Jump to content


  • Tweets

  • Posts

    • Sunak must be using GBNOTnews financial planners .. GB News losses up 38% to £42.4m giving channel total deficit of £76m since launch Losses in the latest accounting period were six times greater than revenue.   Mind you, as it seems to clearly be a disinformation service and route of money to poopy MPs and hangers on ... I'm sure they dont mind (mm is that the 'Tory guv or GBNews I'm talking about?.)   GB News owner pumps in further £41mn in funding as losses widen WWW.FT.COM Vehicle backed by hedge fund tycoon Paul Marshall steps in as right-leaning broadcaster increases number of staff   GB News losses grew 38% to £42.4m in 2023 financial year - Press Gazette PRESSGAZETTE.CO.UK GB News' operating losses grew 38% to £42.4m in the year to May 2023, the business has reported in its latest Companies House...  
    • United Kingdom Debt Clock: British National Debt Grow By The Second - Commodity.com COMMODITY.COM Want to know why the UK's national debt-to-GDP ratio is increasing so rapidly? See our overview of the UK national debt and GDP figures.   The tories borrowing last year alone was " £1,780 per head of the UK’s population"
    • Hi Schipoo and thank you for the update.   Excellent news for you and a huge relief, I imagine. You might like to start a new thread about Independent Tax if you want advice on that problem. HB
    • Hi everyone, I have an update on my case that I’d like to share with you all.  so after submitting 371 pages in my bundle, a witness statement and skeleton argument for my court case due to take place in Manchester on June 21st I got an email from my litigator stating that hmrc have pulled out and the case is now closed!    this is the body of the letter….. This letter, which is copied to the Appellant, pursuant to Rule 17 of the Tribunal Procedure (First-tier Tribunal) (Tax Chamber) Rules 2009, the Respondents gives notice to the Tribunal of their intention to not defend the above appeal.   The Respondents respectfully invite the Tribunal to allow the appeal and close its file. In lieu of the above the Respondents would respectfully ask the Tribunal to vacate the hearing scheduled for Friday 21 June 2024. We would accordingly invite the Tribunal to close its file. Obviously this is extremely good news which hasn’t sunk in that after 3 years of fighting it is over.    I do have a further fight on my hands in that the Group Action I had joined with Independent Tax that had been disbanded in November last year and I chose not to continue with them. They are trying to bill me over 5k for the work they did under that Group Action which is ludicrous bearing in mind the whole point in joining was that it would keep the cost to a minimum as it would be shared between us all. They had asked if I wanted to continue to have them represent me on an individual level which I declined, if I hadn’t, goodness knows what they would have been trying to charge me now. 
  • 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 
        • 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

Bought a van that has previous finance on it


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5072 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

l bought a van about 6 months ago that was advertised in our local paper and when l went to see l noticed it was ex royal mail, anyway l bought the van. Now 6 month on l received a letter from a finance company telling me the van has finance on it and they may still have an interest in it.

How do l stand with regards to this as l paid cash for the van and didnt know it still had finance on it, l stay in Scotland.

Any help would be gratefull

junior

Link to post
Share on other sites

if you are in scotland [residential?] there's nowt they can do about it.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

nothing, was the letter addresses to a scottish AD?

 

if you wish, as i did

you can fwd any detalis you may have that would help them in their investigations but there is nowt they can do to you or the van.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Yes letter was posted to me at my address in Scotland where l live. l had no idea the van had finance on it as l had never seen the van before l had seen it advertised in the local paper.

Getting that letter had got me worried that the van was going to get repossessed from me as l had done quiet alot of work on it.

junior

Link to post
Share on other sites

Lombard was who l got the letter from and it was a private seller l bought it from who said he worked for parcelforce, the van had all the signwriting on it. Id rather not disclose how much l paid for it but it was around about market value.

junior

Link to post
Share on other sites

Yes l do, and l can asure you there was signwriting on the van when l got it. Could it be he was a contract worker or something, l dont know. To be honest i'm not really concerned about the parcelforce its the finance company that bothers me.

junior

Link to post
Share on other sites

well they cant do anything to you as you are in scotland

there are no repossession laws in scotland

 

however, like postggj it is puzzling why it 'had' been on finance and still has the signage.

 

but dont worry anything is going to happen to you, it wont..

it would do you no harm to liase with the letterwriter to assist them.

 

mine turned out to have cloned number plates!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I have just spoken to my brother who was with me when l bought the van and he said the guy told him that it was his own van and he was some sort of sub contractor for parcelforce. He didnt remove the signwriting. He had just bought a new van and it was going away to get the signage done on it.

How will this affect me in the future if and when l come to sell it?

junior

Link to post
Share on other sites

ok

 

now i see

 

a few years ago parcel force made every one go self employed

 

the staff bought a franchice of the business for £30,000

they got the van and were paid on the amount of parcels delivered

 

the van was prob in the finance deal for the franchise

Link to post
Share on other sites

Yes l do, and l can asure you there was signwriting on the van when l got it. Could it be he was a contract worker or something, l dont know. To be honest i'm not really concerned about the parcelforce its the finance company that bothers me.

junior

 

 

 

Hi. did you do a HPI on the van ??? the thing you have to look at is. was the finance done in scotland or england. if it was in england then yes they can take the van. one good thing is lambard are a good company to deal with (not sharks) and they will help you. have you talked with the guy you have bought it from. see how much he owes lambard. and also check with lambard if the guy has is new van fianced with them.

Link to post
Share on other sites

No l didnt do hpi check. No l havent spoken to him yet(feel like killing him) but no doubt l will in near future. Was going to be speaking to lombard tomorrow to see what they will tell me as l just got letter yesterday. Was feeling alright about it but not so sure now. What can l do to help get out of this mess, is it right i'm ok in Scotland or am l in the brown stuff?

thanks for all the replies

junior

Link to post
Share on other sites

No l didnt do hpi check. No l havent spoken to him yet(feel like killing him) but no doubt l will in near future. Was going to be speaking to lombard tomorrow to see what they will tell me as l just got letter yesterday. Was feeling alright about it but not so sure now. What can l do to help get out of this mess, is it right i'm ok in Scotland or am l in the brown stuff?

thanks for all the replies

junior

 

 

lambard are a very good company so dont worry there. if you tell them what work you have had done to your van and all your costs. most of the time they will take offers (start very low) but remember if everything was done in scotland you will be fine. here is some reading for you, http://www.opsi.gov.uk/RevisedStatutes/Acts/ukpga/1964/cukpga_19640053_en_1#pt1

Link to post
Share on other sites

To be honest that bit reading is totally alien to me didnt understand a lot of it.

What will be my position if any of the finance agreement was done outside Scotland? What if the van came from outside Scotland lkie a garage in England?

I'm bricking it now cause l thought l was ok being in Scotland. I wouldnt have thought there would be much finance left on it after 6 years but l could be wrong.

junior

Link to post
Share on other sites

To be honest that bit reading is totally alien to me didnt understand a lot of it.

What will be my position if any of the finance agreement was done outside Scotland? What if the van came from outside Scotland lkie a garage in England?

I'm bricking it now cause l thought l was ok being in Scotland. I wouldnt have thought there would be much finance left on it after 6 years but l could be wrong.

junior

 

 

 

with you being in scotland you will have protection under what is called scots law. and you only need to talk to lambard about this.

lambard are not like other finance companys were they send bailifs to your door. just call them tomorrow and talk with them. all as they might need from you is the last guys address. but until you have spoken to them its hard to know what direction to go.

 

let us know how you get on with talking to them.

Link to post
Share on other sites

you will find them a very useful company

 

they helped me out no end with legalities surrounding my cloned van issue and sorted all the legal stuff foc.

 

doesn't matter either where it was financed, you'll be ok

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Spoke with Lombard today and they said that they could take the van back.

Lombard wanted to know how much l paid for the van after l gave them the previous owners details, they also gave me the previous owners telephone number which l didnt have but they seemed alright after l gave them price l paid for van.

l phoned the previous owner and got his wife who was apoligetic and tried to assure me that there wasnt any finance on the van and that Lombard just needed to confirm selling price of the van as they were getting a percentage of the selling price.

Does really make a great deal of sense to me as l dont know how these finance companies work.

Does this lot make sense at all?

junior

Link to post
Share on other sites

Spoke with Lombard today and they said that they could take the van back.

Lombard wanted to know how much l paid for the van after l gave them the previous owners details, they also gave me the previous owners telephone number which l didnt have but they seemed alright after l gave them price l paid for van.

l phoned the previous owner and got his wife who was apoligetic and tried to assure me that there wasnt any finance on the van and that Lombard just needed to confirm selling price of the van as they were getting a percentage of the selling price.

Does really make a great deal of sense to me as l dont know how these finance companies work.

Does this lot make sense at all?

junior

 

 

Hi junior. now ask lambard to send you a letter as to what interest they have in your van i.e outstanding finance. as the last owners are telling you it was settled.

Link to post
Share on other sites

Would lombard have an intrest in the price the van was sold for and would they be getting a percentage of that sale?

junior

 

 

Hi junior. you are going off base. what deal lambard and the last owner did will not help you at all.

 

all you need is a letter from lambard with amount outstanding. so as you can give a copy to the last owner (they say it has no finance) but you need to know what lambards intentions are.

Link to post
Share on other sites

Hi junior. you are going off base. what deal lambard and the last owner did will not help you at all.

 

all you need is a letter from lambard with amount outstanding. so as you can give a copy to the last owner (they say it has no finance) but you need to know what lambards intentions are.

 

 

Hi CCTV

l tried asking them today what the outstanding balance on the van was but they wouldnt say, what they did say after a bit of thought was that they were legally entitled to reposses the van which to my mind it doesnt sound like its been paid up. But when l phone previous owner the wife said they had paid it off.

Confused

junior

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...