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Interesting this one. I have no real knowledge to give but I wish you and your wife luck. The guys here are ace so Im sure you'll be sorted in no time. -
By WantJustice · Posted
Hope we're in the correct place. Have, today, received a court order for a car loan debt taken out in 2015. The car loan was issued solely to my (vulnerable) wife, based on her annual income (at the time) of around £9000. The loan repayments were set at around £240 pm (plus a last balloon payment of roughly £3500 - after 5 years). The loan total given to her, with interest, was £14,318. Irresponsible lending at its best? We had 3 young children at the time. We tried keeping up with the payments but after the last payment we made (Feb 2018), we simply could not afford to pay. My wife got the odd letter/threat but nothing until a solicitors' letter arrived. She wrote back, making sure it was clear that she was not acknowledging the debt, but requested all the necessary paperwork. A few weeks later they sent her some (not all) of the paperwork, but the Terms and Conditions document was incorrect, it was different to the original. With that in mind, we just let it be. They didn't write for two years, until they demanding payment again. Wife wrote back (again not acknowledging the debt) and told them the paperwork they sent 2 years previously was incomplete AND it had the wrong Ts & Cs. Nothing again for a year until a new person wrote- they were told the same and hadn't heard anything again until the court order arrived today. Will ignore the fact that the court order say Miss and not Mrs but just looking for a steer on how to respond. Does she simply quote the Limitations Act in here defence? Does she mention that they've never sent the requested docs to prove the debt, let alone sending the wrong Ts and Cs. She has 14 days to respond but like to get it done well before then. Thank you -
we are free we dont get paid but try telling that to our server hosts or isp providers... donate if you can = thanks dx -
we dont nursemaid.... get reading up even if only in your own thread since post one. dx
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ignore CR you did send the sb letter to vm didnt you? and ofcourse theres no show on your credit file either is there? dx
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Our picks
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If you are buying a used car – you need to read this survival guide.
BankFodder posted a topic in Vehicle retailers and manufacturers,
If you are buying a used car – you need to read this survival guide.-
- 1 reply
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Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld
ATJ posted a topic in Vehicle retailers and manufacturers,
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
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A2Dominion - Housing Association property flooding - damning ombudsman report
WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,
Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299-
- 161 replies
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Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available
BankFodder posted a post in a topic,
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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Business bank account - Bad credit history - N. Ireland
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