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    • He is still trading.   I won't get anything out of it, no.  But is that the point?  Not charging it means the Govt misses out on important revenue 
    • for whatever reason, if you did not get the original PCN on the car/by hand nor in the post before things escalated you need to appeal using the correct forms, not a soft appeal to the issuing council Which forms to use for which offence pe2/3 & te7/9 - Local Authority Parking and Traffic Offences - Consumer Action Group  
    • as this situation has now come up again for you, how confident are you that if you get on the straight and narrow with having a respite of 60days (Options for dealing with your debts: Breathing Space (Debt Respite Scheme) - GOV.UK (www.gov.uk)... would you then be able to resume ok? if not quite honestly, the very best thing you can do is to get ALL your debts defaulted by the issuance of and the registering of a Default Notice from each creditor. this is done by stopping ALL PAYMENTS, it wont hurt you short term, esp as all the debts are still with the Original Creditors. this of course will kill credit for 6yrs, but, will cause the debts to vanish from your file (paid or not, paying or not) on the DN's 6th B'day, but of course that wont mean the debts are not still owed, legally, just your file will be clear of them all. if you read a good 10-20 of the stories in this very same forum you found to start yours, you'll soon get the idea behind the advice given. as for things like IVA/BK etc NEVER EVER do those, that secures unsecured debt. just contact one of the free DMP providers and get breathing space implemented, that gives you a 60 day buffer to firm up your future actions. but DO NOT enter into a DMP, do one yourself. they can be a bit pushy, but simply insist you just want breathing space invoked, i would only be giving them enough info to achieve BS too, don't give them anything you don't need too, they are funded by the banks and debt collectors and can sometimes be over intrusive and nosy wanting info that is better not revealed. dx    
    • “Not realising it was a no parking zone” doesn’t help you if the timing is correct, as (at least, on Google Maps / View) there is clear signage ('7am to midnight', parked at 15:22) What might be worth pursuing is the "ticket handed to driver" aspect : do you have any view on why they would be  stating that?
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    • 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
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My car has still got outstanding finance


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I have been looking at this foroum and you seem to know alot about the problem iam in. I have recently bought a vehicle from a "friend". That person had owned the vehicle for about 18 month before selling it to me. I bought the vehicle about a month ago before I bought the vehicle i did a check on the car using mycarcheck. I was in a garage yesterday when they did theyre own HPI report on the vehicle and it came showing outstanding finance. The finance is not on the person that i bought the car from, but it is on the person that had the vehicle before that. I did ring the finance company and they stated that they have financial intrest in vehicle and are wanting it back. I am really scared and worried as the car has cost me £6000.

 

I am not being rude please only give advice or comment if you have been in simmilar situation or if you are 100% sure about what you say

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moved to the vehicle repro forum.

 

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... 

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have aread inthis forum

 

it should now get some response being inthe rightforum

 

dx

siteteam

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... 

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OK if it's a hire purchase agreement there is a statutory mechanism by which you can legally claim ownership of the vehicle even though it would normally still belong to the finance company as their customer has never paid all his instalments and therefore never acquired ownership of the vehicle from them. Basically if::

1. You are not a trader

2. You did not know about the finance when you bought the vehicle

3. There was nothing suspicious about the transaction, e.g. vehicle unusually cheap

 

then you might be able to defeat the finance company's claim to the vehicle. The fly in the ointment is if there is something iffy about the sale by the finance co's original hirer. But that's somthing for the finance co prove. It's usual for the finance co to have some sort of questionnaire for you to complete detailing your acquisition of the vehicle so they can consider whether they might have to abandon their interest in it. Ask them, and then complete it and see what happens.

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Thanks for your quick reply, Yes thats exact what they said to me, they say they will send a questionaire for me to fill in. But surely if they wanted the car why did they not take it from the person i bought it from who had the car for 18 month and he didnt have it on fnance the person that he bought from had it on finance. How do i prove that i didnt know about the finance when i bought the vehicle and how do i proof how much i bought it for if i paid cash

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OK yes fill in the questionnaire. The reason they weren't looking for the car earlier is most probably because their customer was paying them for those 18 months and they had no idea he had sold it. Usually these things only come to light when the HP stops being paid and they look to repossess the vehicle, only to find it is registered to someone else. You prove you didn't know about the finance just by saying so - what else can you do? They will want evidence of the payment. If it was cash, there must be some evidence to support it e.g. bank statement showing a withdrawal. They'll want to see that.

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ok, I bought the car about 3-4 weeks ago until now i have not recived a letter from the finance company I contacted them on friday and told them that my Girl friend is the new keeper, i think at this stage they must of realised that the car has been sold on. Can they just come and towe the car from outside my girl friends house with out sending me any warning letters or any sort of letters

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