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    • Hope it’s just a last ditch attempt before it’s barred. It’s only been one letter and one email from them. So will ignore and see what happens. Thanks guys. 
    • dont ever ignore : a Statutory Demand a Letter Of Claim a Court Claimform via Northants bulk.
    • they have to account for and show how the final finance figure was arrived at for head office/whomever to approve the agreement. if they sold a new car £7000 below its listed price headoffice would go ballistic the scrappage discount would have been the same regardless to how you paid for the replacement car.  are these T&C part of the finance agreement or pre contract? we need to see them. just for clarity too, unless you specifically asked for Voluntary Termination by writing to Audi, or you have it in writing whereby Audi are stating it WAS a VT, it would have been Voluntary Surrender. sadly under VS you are liable for the full value of the agreement and the 50% VT figure is immaterial. dx    
    • unfortunately no dashcams, but I have now ordered one (a case of shutting the stable door after the horse has bolted).  They have no dashcam either. Its my version of events vs. theirs.  The only thing I'm concerned about is if they do file a claim, and I havent told my insurance company, would that put me on the backfoot as far as them winning?
    • if your ins co catch wind of it your premiums will go thru the roof. as for the police, unless there are any injuries/accusations of dangerous driving etc, it a run of the mill event and unreportable. no dashcams? my neighbour's son had almost the same on the A9 last year, went on for months then i said search social media, has the car a dashcam. luckily the other driver was on several facebook ford ST car groups with pix and videos and he spotted it had a dashcam fitted. when he said show me your footage of me driving poioly and i'll pay to fix your car......everything then went very quiet.... dx    
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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.
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      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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IVA, Bankruptcy or what?

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:confused: We think that soon we'll be repossessed - there is already a suspended possession order and we defaulted again last month. Assuming we aren't deemed intentionally homeless we hope to be able to move into a couincil house with our 3 kids (9 14 17) and multitude of pets.


We appear to have enough disposable to get by each month on paper but it never never happens - we also smoke and like wine and of course there's the pets. We owe 18K to Lloyds and various credit cards and store bits total around 45K including 7K finance on a car. Our combined incomes before overtime is about 2K net per month. Seems a lot?


Everyone offering formal advice either has angles or morality and frankly i'm doubtful we'll get bankruptcy with what's left in the pot each month. I'm worried IVA will cripple us for 5 years and deep down I think get the repossession out the way and then see if we can juggle all of it without going too far down the road of serious debt eradication.


I know there is someone who has a clear view of all this out there and if there is more than one so much the better - this is really taxing me guys and if you have any thoughts please let me know. :)

[Mod: Sorry, I had to change your font and size, as it was so hard to read for most people]

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Hi Nick......would help if you could post so its not too difficult to understand.

I will come back to you on this one.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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