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    • June Mummery, a Brexit Party MEP, has just woken up to the fact that leaving Europe gives us less control over fisheries. From her Twitter feed.   Attending the penultimate session of the #EuropeanParliament’s #FisheriesCommittee #PECHcommittee) with #BritishMEPs. The big question now is, who will be here to hold these people to account while they still control Britain’s waters, but the UK has no representation?
    • I'm afraid my response is going to be a bit more doom and gloom than my site team colleague. I'm afraid the principle of "buyer beware" is a pretty old principle and it doesn't always protect the private seller. However, I think you will have to wait and see what they come back to you about in writing. My understanding so far – as you don't even seem to know their address or who they are – is that everything has been done on the telephone. If they decide to come back at you in writing with a list of defects and am afraid we will have to look at it carefully because although you won't be particularly affected by consumer protection legislation, there are still basic rules of contract which could protect the purchaser. I'm sorry also to give a bit of a slapped wrist here, because the selling of vehicle in the circumstances without even ascertaining the identity of the purchaser and without keeping the necessary documents to inform the DVLA of the new ownership is highly irresponsible. I suppose this is going to put the frighteners on you – but you had better be aware of the possibilities. The first thing that occurs to me is that this vehicle may have been bought by a trader who was anxious not to add any more owners to the vehicle because that would reduce the value even more. Therefore you might have some fairly unscrupulous trader selling your vehicle on to another private purchaser who themselves may not properly register the vehicle so that if it attracts any parking fines or any other attention from agencies, could come back to you as you are the registered owner. You would be able to deal with this problem eventually but it would certainly be complicated. Also an extreme scenario is that the vehicle could eventually be used for unlawful purposes – and once again the registration leads back to you. I think that your daughter had better read the thread and had better take the lesson. As I have said, the use of the vehicle for some unlawful purpose is probably an extreme idea and is unlikely to happen. However, the idea that the vehicle has been bought by trader who wants to conceal the fact that it has had an additional purchaser – him/herself – is a highly possible scenario. You haven't told us anything about the vehicle – what is it, model, make, mileage, condition, price, – and also how was advertised, where was advertise, and what claims did you make for it. I do hope you don't hear anything more about this problem that you better give us all the information and if there is any fallout as a result of what your daughter is done then of course come back here and will it be very pleased to try and help you. In the meantime I would suggest that you contact DVLA and tell them that you have now parted company with the vehicle and that it is no longer yours. Even though you won't be able to give them the address of the new owner, you will be able to give them the name and you had better put it on record. I'm not sure if it's an offence not to have the details of the new owner and to pass them on to DVLA – but I would suggest anyway, that you tell DVLA. Before you start doing this though, standby for maybe one or two other people to contribute to this thread and to disagree with me. I think you need to have a range of opinions on this.   One further thing – you may be tempted simply to take the vehicle back – but unfortunately you won't be able to be certain that it is in exactly the same condition as it was when you sold it. This could give you another problem that may be if you decide to cut your losses and tell the purchaser to return the vehicle, you may not be completely happy when you receive it – and they will simply be a dispute as to what has happened to it during its absence
    • Ok , mine is  55, it's old but they were fixing these under warranty when the cars were brand new.  Aside from that the car is super reliable.
    • Can you tell us the name of the dealership please?   HB
    • Ahh ok, yup, when I sent my SAR to Natwest, they included everything going all the way back to the year 2000, Current accounts, Credit Cards everything. So be prepared for information overload.
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achant

cl finance-monthly defaults

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hi,

could anyone help me with this question please.

 

My wife has been on a monthly repayment plan with cl finance after recieving a ccj,

 

she has never missed a payment ,

 

a couple of days ago she checked her credit file and noticed she had been defaulted every month for the last eighteen months!

 

Can they do this and if not what can we do.

 

thanks

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the account in question has not been defaulted every month but has been updated the default stays on the file for 6 years from when it was issued weather it's paid or not


PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

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thanks

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yes they are

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ok

 

can you out line the background of the CCJ

 

how long ago

 

who/what was the org debt?

 

did she know about the ccj?

 

this lot can be a wee bit sneaky and underhand where getting ccj's etc are concerned.

dx


..

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hi,the original debt was with debenhams,passed to viking then after a couple of late payments passed to cl finance who then took her to court in 2008 after more late payments, she admitted the debt and recieved a ccj.

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probably heeps of PENALTY charges to reclaim then

 

and PPI.

 

what is the default date on the cra file?

 

dx


..

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hi,

 

debenhams defaulted her in august 07,

 

cl finance defaulted her first in may 2008

then when i checked her credit file today

 

cl defaulted her from july 2008 and every month since.

 

Unfortunately there is no ppi on this,

 

but a fair few late payment and admin charges

 

.thanks

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then the account will fall off aug13

 

you can only have ONE default

 

the others are prob late payment markers?

 

dx


..

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ok thanks very much

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