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    • I have had a secondary thought.  I borrowed £s from a completely separate entity 6y ago. It was personal and unsecured. I was going to repay upon sale of the property. But then repo and I couldn't.  Eventually they applied and got a charging order on the property.  Their lawyers wrote that if I didn't repay they may apply for an order for sale.  I'm not in control of the sale.  The lender won't agree to an order for sale.  The judge won't expedite it/ extract from trial.  Someone here on cag may or may not suggest I can apply for an order v the receiver?  But could I alternatively ask this separate entity with a c.o to carry out their threat and actually make an application to court for an order for sale v the receiver instead?
    • You left the PCN number showing, but no worries, I've redacted it. Euro Car parks are very well known to us.  I've just skimmed through the titles of the latest 100 cases we have with them (I gave up after 100) and, despite all their bluster and threats, in not one have they taken the Cagger to court. You stayed there for 2 hours &:45 minutes.  I'm guessing the limit is 2 hours and 30 minutes, right?  
    • If the claimant fails to draft directions the court can order a Case Management Hearing to set them but normally in Fast Track claims the claimant sets the directions...Unlike small claims track which are always set the court.
    • Not Evris offer, the court offers mediation service.   All claims proceed to hearing if mediation fails /not happen.   Why do you not wish to attend in person to stand your claim ?     Absolutely you must comply with the courts directions or your claim risks being struck out. Preparation for a hearing should happen irrespective of mediation.   https://www.consumeractiongroup.co.uk/topic/460613-suing-a-parcel-delivery-company-when-you-dont-have-a-direct-contract-with-them-–-third-party-rights-copy-of-judgment-available/#comment-5255007   Andy  
    • LPA.  (I'm fighting insolvency due to all the stuff that he and lender have done).  He appointed estate agents - (changed several times). Disclosure shows he was originally appointed for a specific reason (3m after repo) : using his powers as acting for leaseholder to serve notice on freeholders (to grab fh).  There was interest from 3 potential buyers. He chose one whose offer depended on a positive result of the notice.  Disc also shows he'd taken counsel advice - which was 'he'd fail'.  He'd simultaneously asked to resign as his job (of serving notice) was done and he'd found a buyer.  Lender asked him to stay on to assign notice to the buyer.  Notice failed, buyer didn't buy.  So receiver stayed.  There was 1 buyer who wanted to proceed w/o fh but receiver/ lender wasted 1y trying to get rid of them!  Disc shows why. But I didn't know why at the time. In later months Lender voiced getting rid of receiver. Various reasons - including cost.  But there's a contradiction/ irony: as I've seen an email (of 4y ago) which shows the receiver telling lender not to incur significant costs and to minimize receiver costs.    Yet lender then asked him to serve another notice - again counsel advice indicated 'he'd fail'.  And he did fail.  But wasted 3y trying and incurred huge legal costs - lender trying to pass on to me. Lender interfered - said wanted to do works.  Receiver should have said no.  But disc. shows he agreed to step aside to let them do the works - on proviso lender would discuss potential costs first (they didn't), works wouldn't take long (took 15m), and lender would hold interest (they didn't) (this last point is crucial for me now - as I need to know if I can argue that all interest beyond this point shouldnt be allowed?)   I need to check receiver witness statement in litigation with freeholders to see exactly what he said about 'his position'. But I remember it being along the lines of - 'if the works increased the value of the property he didn't have a problem'.  Lender/ receiver real problems started at this point. The cost of works and 4y passage of time has meant there is no real increase in value. Lender (or receiver) didn't get any permissions (statutory or fh) (and didn't tell me) and just bulldozed the property to an empty shell.  The freeholders served notice on me as leaseholder for breach of covenants (strict no alterations).  The Lender stepped in (acting for me) to issue notice for relief of forfeiture - not the receiver.  That wasted 2y of litigation (3y if inc the works) and incurred huge costs (both sides).  Lender's aim was to do the works that every potential buyer balked at due to the lease restrictions.  Lender and receiver knew couldn't do works w/o fh permission. Lender did them anyway; receiver allowed.  Receiver remained appointed.  I'm arguing lender interfered in receiver duties.  Receiver should have just sold property 4-5y ago w/o allowing any works.  Almost 3y since works finished the property remains unsold (>5y from repo). The property looks brand new - but it was great before.  The lender spent a ton of money - hoping that would facilitate a quick sale.  But the money they spent and the years they have wasted has meant they had to increase sale price.  It's now completely overpriced.  And - of course - the same issues that put buyers off (before works) still exist.   The receiver has tried for 2y to assert the works increased value. But he is relying on agents estimates - which have proved highly speculative. (Usual trick of an agent to give a high value to get the business - and then tell seller to reduce when no-one buys.). And of course lender continues to accrue interest (despite 4y ago receiver saying pause interest). Lender tried to persuade receiver to use specific agent. Disc shows this agent was best friends with the lender's main investor in the property.  Before works this agent had valued it low.  After works this agent suggested a value 70% higher!  The lender persuaded receiver to sack one agent and instead use this agent.  No offers. (Price way too high).   Research has uncovered that this main investor has since died.  I guess his investment is part of probate? And his family want it back?    Disc shows the sacked agent had actually received a high offer 1y ago.  Receiver rejected it.  (thus I don't know if the buyer would have ever proceeded). He was relying on the high speculative valuation the agents had given him to pitch for the business. The agents were in a catch-22.  The receiver sacked them. Disc shows there has been 0 interest ever since (inc via new agent requested by lender). I don't think lender or receiver want all this to come out in public domain via a trial.  It will ruin their reputations. If I can't get an order for sale with lender - can I apply separately against receiver?
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I bought a second hand car, not delivered yet, can I cancel the deal?


rkrishna
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Hi, I bought a second hand car by part exchanging my old car. I signed the papers, but after coming back home, I checked the average price of that car on the internet (in AutoTrader.co.uk and Parkers.co.uk) and I think I overpaid at least £1000 on it. but I haven't driven the car yet (I told them to clean and do full service before delivering). can I now change my mind and cancel the deal? do I have a legal right to do so? if they can reduce the price by at least £500 I am happy ( I am not sure if they will agree), but if they don't, can I cancel the deal?

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Dear rkrishna,

 

You can certainly 'cancel' the deal from your side, but equally the dealer is entitled to sue you to complete the contract that you have entered into. This is especially so as you have instructed the dealer to clean and service the vehicle in preparation for delivery, incurring cost to them. Whilst this might enhance the value for a subsequent owner, it is dead money if the vehicle were to be sent to auction or sold within the trade.

 

It may well be that they have begun the transfer of registration into your name, this would then reduce the price that they could ask anyone else to pay, ie. 2 owner rather than a 1 owner vehicle.

 

The price that you agreed for both the vehicle that you purchased and the trade-in value on your vehicle are linked. What makes you think that they would reduce the price by £500 just because you have decided that this what you want? Perhaps you are being allowed more money on your existing vehicle, than you would get selling it to the trade (not to be confused with selling retail), the way to look at it is how much extra money you are parting with to upgrade to this vehicle. What does Parkers say about your existing vehicle?

 

The value that Parkers' Guide indicates is just that, a guide. The individual value of any vehicle depends on a whole range of factors that they are not party to. Specifically the condition, optional features, desirability of colour, local conditions eg. shortage or otherwise of this class of vehicle or dealership in your area, general trading differentials - London prices versus Lincolnshire etc.

 

The fact that you have not yet driven the vehicle is not relevant, unless you were specifically prevented from doing so by the seller eg., keys not available, vehicle boxed in by other vehicles etc. If it was just that you declined a test drive because it had just been taken in part exchange, or you did not have enough time, you cannot reject the vehicle. Once you have taken delivery, any problems that you encounter will be covered by the Sale of Goods Act which takes precidence over any warranty that is offered by the seller.

 

In essence, there is no cooling off period for this face to face transaction. You could appeal to the seller on the basis that you realize that you have made a mistake and cannot afford to run the new car, but the seller is not obliged to release you from the contract. You certainly cannot tell them that you can only complete if they knock £500 off the agreed price.

 

I hope that after you have read the above, that you will review your current mindset which appears to be 'I have paid too much, I want it for less'. It is quite common to doubt one's decision after making a transaction, some people are more prone to this than others especially if they are a little impulsive in the first place. Just visualize yourself driving the new vehicle, the pleasure you will get from it and the good service you will get in the future from the seller.

 

Regards

My time as a Police Officer and subsequently time working within the Motor Trade gives me certain insights into the problems that consumers may encounter.

I have no legal qualifications.

If you have found my post helpful, please enhance my reputation by clicking on the Heart. Thank you

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