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    • https://www.consumeractiongroup.co.uk/topic/408156-cabotnolans-spc-claim-old-next-cat-debtclaim-dismissed/page/4/#comments https://www.consumeractiongroup.co.uk/topic/404240-arrowshoos-spc-old-newday-aqua-credit-card-debt-claim-dismissed-no-dn/page/4/#comments default notice win  https://www.consumeractiongroup.co.uk/topic/407490-meiii-cabotnolans-spc-claim-old-yorkshire-bank-loan-2nd-claim-dismissed/  
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    • With regard to your question on post 207 if you bring in the points that I made on the validity of the contract they are supposed to have with Peel holdings then mention that there are already doubts about the validity of the contracts that are being used by the PPCs and the OPS is a classic example. Once you are on there you should then try and get your other point in after that.   if it is in connection with the extra charge of £60 remind the Judge that the charge has been defined by many Court across England that the charge is an abuse of process which was covered in PE v Beavis at point 198    " The charge has to be and is set at a level which enables managers to recover the costs of operating the scheme"  IE the £100 charge covers all their expenses so nothing should be added.   as their WS claims an extra £60 that could be judged as perjurious since it is an additional sum that should be known by VCS and the author of the WS as a double recovery. Especially as they have already lost in Court for the same reason.   Another cause to prove that they do not comply with their Code of Conduct. file:///C:/Users/User/Downloads/CamScanner%2008-05-2020%2016.34.59.pdf  Byelaws are statutory not arbitrary as their WS said on no .42 .   Best of Luck.   The above URL does not work but this one does http://forums.National Consumer Service.com/index.php?showtopic=133001    [20.1 is where  VCS  lost then 20.2 where they appealed and lost again . But read the whole thread as it may help you in other ways too.
    • Sian Williams from Indonesia takes us through her week during the coronavirus pandemic. View the full article
    • stop doing nolans job for them... there are numerous threads here in the same forum yours is in     no DN info to follow   dx    
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gaurenteed caravan finance HELP PLEASE!


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last year we took the plunge and bought a £17000 static caravan on "guarenteed finance terms"

this finance was done "in house " by the caravan site,and not through a finance company such as black horse,

no credit checks was ever carried out,we did'nt even show any i'd or proof of income or address.

 

we agreed with sales staff on deposit amount and monthly payments we could afford then was told that they would run these fiqures by park owner and see what he says,

on the terms discussed we ended up buying the caravan

 

after falling on bad times recently we can no longer afford this luxury (£464 per month)

what would be the repacussions of handing this back to caravan site as we are not dealing with finance company,

 

are they any rules that caravan sites have to follow regarding giving

finance this easy and is it in there responsibllity to check criteria of

potential buyers to see if they can afford re-payments.

 

 

any info would be great, thanks in advance

Edited by wilard999
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desperatly trying to dig it out, we have moved recently and its packed away somewhere,

 

if i remember correctly it shows deposit we paid (£3000) monthly repayments amount and other site policy such as if ground rent isnt paid then they will remove caravan and charges added for late payment but nothing i regarding handing caravan back

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Hello there. Would it be possible for you to take a copy of the credit agreement and post it up - once you've removed personal information, We would be quite keen to check the agreement's legitimacy.

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Maybe, best thing to do is to either sell the caravan to another person, or sell it back to Park. If you sell to another person they may have to pay the Park a percentage. Either way, you will still (I assume) have to pay off your finance agreement.

 

Before considering anything of this nature it's important to find out if the caravan financed via a fixed-sum loan or via a hire-pruchase agreement. If it is the latter then permission would need to be sought from the finance company to sell the caravan to another person as it's their asset.

If you simply stopped paying your finance agreement then who has first rights to your caravan? Probably the company you took out the financing with, but it may be the Park. Or are they both the same company? Either way, if they repossess it and sell it, you would still have to pay the difference and possibly other fees or costs aswell.

 

If it's HP there could well be the possibility of exercising a voluntary termination clause, this may save a significant amount of money for the original poster.

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