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    • Did you take screenshots or anything of the descriptions that you gave? Do you have any evidence to support you say? In any event, you paid for the insurance, you declared the parts having given the descriptions and they accepted it all on that basis. You have begun the claim procedure yet so I suggest that you do so. We'll see what happens. In any event, it could be said that the various sections are contradictory. Parts relating to vehicles are containing three separate sections and it is relatively difficult to discern which section a particular part should come into. Section 69 of the consumer rights act relates to ambiguities and basically says that an ambiguity must be interpreted in favour of the consumer.  
    • I have booked a Hotel/Flights Package with the above paying a 10% deposit with the balance due a month before travel next August.   On looking at Cancellation Charges they virtually say 100% 84 days out plus.   According to the Package Travel and Linked Travel Arrangements regulations 2018 - termination fees have to be "Reasonable and Justifiable"   I find it hard to comprehend how last minutes charges could fall into the above description.   For example the hotel is available on Booking.com for our dates with no pre-payment and free cancellation up to the day before arrival.   I'm not sure of their arrangement with BA but the tickets we reserved have doubled in price in the last week and could easily be resold.   I can't find any anecdotal evidence or Court Cases relating to them trying to collect Cancellation Charges from people who have not already paid the full balance and cancel. If I were to cancel 8 months out is it likely they would pursue me for the remaining balance.    
    • Hi   Something else I think you need to ask the Insurer for Clarification on is.   That you require full clarification on which clauses within the Terms & Condition of the Policy they are using to refuse payment under the Policy.     I would also consider sending the Insurer a Subject Access Request simply asking for 'ALL DATA' this covers whatever format they hold it in whether it be email/telephone recording/written format etc. (note: if they require you to use their own subject access request form always put 'ALL DATA' on their form)    
    • matters not what they come up with it's statute barred      
    • Revised defence:   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   1. The Claimant claims £2247.91 is owed under a regulated consumer credit account under reference xxxxxxx. I do not recall the precise details or agreement and have sought verification from the claimant and the claimants solicitor by way of a CPR 31.14 and section 78 request who are yet to fully comply. I dont believe they have provided this yet correctly   2. Paragraph 3 is denied.The Defendant contends that no notice of assignment pursuant to s.136 of the Law of Property Act & s.82 A of the CCA1974 has ever been served by the Claimant as alleged or at all. still stands   3. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   4. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request for copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and also my section 78 request and remain in default with regards to this request.   5. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   6. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   7. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.    
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suzieblooz

Bd Credit car finance

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My beloved 11 year old Mazda has finally ground to a halt. I desperately need a car to get to work. I have an appointment with the bank on Wed, but I think it will be a total no-no. I have been debt free for only 3 months, but one company is dragging its heels at marking my only CCJ as satisfied. So I need a plan B if the bank says no.

I've been looking up finance on the web, but it doesn't really answer my questions, so:

Hire Purchase - is this a better way to finance a car on bad credit? Does every car dealer offer this?

Car leasing - I have some money saved which could pay a deposit, but would I be credit checked for leasing?

Sub-prime car finance - Don't know if any companies still exist that do this and it's not really an option I want to take, but I know I can afford the repayments so is it worth considering?

My road tax is expires at the end of June, so I need to sort something out ASAP, my neighbour will probably be good for suppling jump starts for the next couple of weeks - bless him! :p


Bank of Scotland account 1 - £2,666 WON

Bank of Scotland account 2 - £2,500 on hold

GE Capital charges -£30 won (hey, every little helps!)

Barclays Partner Finance £425 charges - £225 offer accepted.

 

Finally debt free after 4.5 years, thanks to my Debt Management Plan through Payplan. There is no better feeling :D

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Ground to a halt but runs with a jumpstart? You sure you don't just need a new battery?

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if its more than 3yrs old change the battery anyhow.

 

dx


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exhaust is about done, rust has taken over, the ball joint is going and although it scraped through the last MOT , the list of advisories covered a page and a half!! It's done 131,000 miles. It probably is the battery, but I don't really want to fork out for a new one as the next MOT is July and there is little chance of it passing. I'm on first name terms with the garage owner as he has nursed it through the last 3 years on a shoestring for me, and he is the one that has told me he has done all he can with it. It's the corrosion underneath and the rust that has finished it. It's a shame, it's been the best car I ever owned, and am looking for another Mazda - but like I said it's the finance I need advise about. I start work at 6am and the public transport doesn't come up my way till about 7am, and it's too far to walk, so I need a car.


Bank of Scotland account 1 - £2,666 WON

Bank of Scotland account 2 - £2,500 on hold

GE Capital charges -£30 won (hey, every little helps!)

Barclays Partner Finance £425 charges - £225 offer accepted.

 

Finally debt free after 4.5 years, thanks to my Debt Management Plan through Payplan. There is no better feeling :D

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Well I would suggest giving the company who are dragging their heals a push in the right direction, or it could cost you a fair bit in higher interest charges.

 

Bank is a good option, backup could be likes of Blackhorse who are pretty reasonable in different credit scoring ranges. Just remember a refused credit search can count against you.

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Oh I'm pushing them all right, but as it's Greenhalgh's I'm having severe problems, they are the most arrogant, rude, uncaring company I have ever dealt with. :sad: They were very quick to get the CCJ and then the charging order, whole different ball game now it's paid off. :x

It's the refused credit searches I'm worried about, that's why I want to be pretty sure of my options before I start as every knockback is gonna make my credit worse. I have seen Blackhorse mentioned, it may be an option.

Do car dealers have different finance companies to try, if I tell them what my situation is? will they have different options or do I have to try and find something myself? Some of the online sites look well dodgy!


Bank of Scotland account 1 - £2,666 WON

Bank of Scotland account 2 - £2,500 on hold

GE Capital charges -£30 won (hey, every little helps!)

Barclays Partner Finance £425 charges - £225 offer accepted.

 

Finally debt free after 4.5 years, thanks to my Debt Management Plan through Payplan. There is no better feeling :D

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Bank said NO, didn't really expect anything different saying as how they're all 'responsible lenders' (cough) these days:(. Think I'll just take my £500 savings and see what I can get for that!


Bank of Scotland account 1 - £2,666 WON

Bank of Scotland account 2 - £2,500 on hold

GE Capital charges -£30 won (hey, every little helps!)

Barclays Partner Finance £425 charges - £225 offer accepted.

 

Finally debt free after 4.5 years, thanks to my Debt Management Plan through Payplan. There is no better feeling :D

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