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    • Sweatband.com like many of these online retailers – and also retail shops – which sell their goods, make all sorts of claims for their customer service et cetera – but when things go wrong they refer you to the manufacturer. Of course this can be a very sensible arrangement because the manufacturer is better placed to deal with the problem – but we tend to find that very often the manufacturer is pretty reluctant and of course because they are not the retailer, there really not too bothered about their customer-facing reputation. So as has been suggested by my site team colleague above, you are being fobbed off. Secondly, any attempt now to start saying that the treadmill should not be used in the garage – when this has not been referred to at all when it was being sold to you, is in effect introducing a new term into an existing contract. This means that it has no effect whatsoever and is not binding. Sweatband.com are bound by the law of contract and also by the Consumer Rights Act 2015. You are entitled to purchase a treadmill which is of satisfactory quality and remain that way for a reasonable period of time – and you are quite right, it hasn't matched up to those standards and so sweatband.com are in breach of contract. It has nothing to do with the manufacturer. If the manufacturer really want to say that it should be kept in a garage then that's between them and sweatband. It's especially telling that according to you sweatband have actually said that this is a great thing to keep in your garage. I would suggest that you go around the Internet – trust pilot et cetera putting up reviews about sweatband – who as I have said after fobbing you off and letting you down – but also you should put up separate reviews about this particular brand of treadmill and make sure everybody sees that even the manufacturer is saying that it should be kept in a garage and that they won't stand by their product when it breaks down after three months. I can imagine that the person who said this to you from the manufacturer will get a bit of a talking to. Maybe you can tell us the make and model number of this treadmill so that references to it will come up in Google hits in the future. The situation as advised by my site team colleague is that as it has failed within the first six months, the retailer is entitled to one single opportunity to carry out a repair and failing that they are obliged either to replace the item or to give your refund at your option. These are rights which have been created by the Consumer Rights Act 2015. These rights should be asserted in writing You should write to the retailer immediately and put them on notice that you are asserting your rights under the 2015 act and you are giving them a single opportunity to repair the treadmill. Tell them that given its size and its weight, it will have to be repaired at your home unless sweatband.com want to take responsibility for picking it up and selling it to whoever they want to get it repaired by. I can imagine sweatband won't be happy about this and you are going to find everybody's going to start dragging their feet. I can imagine also that sweatband would try to up the ante by saying that it is your responsibility to return the treadmill to them. That would be wrong. The treadmill is defective. Sweatband are in breach – and it is up to them to deal with the problem. I think you will need to be quite assertive and I would suggest that your letter to them should give them a seven day window to let you know what the arrangements are and that the treadmill should be repaired or replaced in any event within 14 days. Please keep us informed as to what happens. Just so you know what we will advise if sweatband don't step up to the mark – if they don't let you have a satisfactory response within the first seven days then we will be suggesting that you begin the claims process by sending them a letter of claim – which then leads to a small claim in the County Court. This is not something you should worry about. Your chances of success are much better than 95% and I can imagine that at the end of the day sweatband.com don't want this kind of trouble and once they realise that you are happy to confront them, they will buckle down. Of course you never know – maybe they are going to act brilliantly and respond correctly immediately – in which case it will be kudos to them. Let's see  
    • Simple answer to that is gambling and having borrowed way too much previous to 2018 and simply not being in a position to meet all debts so always robbing Peter to pay Paul. From last year it just began to catch up. Then covid came and made it worse. Income reduced and job changed and dealing with mental health issues. That’s really the long and short of it. 
    • The UK's inflation rate surged to 0.6% in December from 0.3% in November despite Covid curbs. View the full article
    • Fears had grown over the Alibaba founder's whereabouts because of pressure from Chinese authorities. View the full article
    • I felt outmatched to be honest. Lowell probably did identify me on here and decided to send one of their more experienced. The guy they sent to last hearing didn't sound half as competent. The solicitor and judge were pretty much talking amongst themselves. That's how it felt. The Judge understood and accepted what the solicitor said at every point. She accepted fresh start as a brand name only. She accepted all the evidence were copies. She accepted I entered into a valid agreement. She accepted the error on the default notice was a typo. Felt like I lost before the hearing. If not, I wasn't able to express my points well enough. Not like the claimant who I'm sure was giving a law lesson. Completely out of my depth. I didn't ask to appeal. I'm upset understandably but grateful for all the help and support I received here. I've learnt a hell of lot but hope to never need it again.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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Hi, I am pretty much in dire **** here, can I possible again ask for help urgently, this site has helped me so much in the past, I hate asking again




Vehicle is registered in my LTD company name, but is owned by myself 100% privately. It is just registered in LTD company name for the purposes of Taxing and Registering the vehicle.


Unknown to me a ticket was given to this vehicle from Bradford Council.


Just had a Mr/Mrs X from Phoenix Commercial Collections at the door saying they have a warrant to remove the vehicle, If payment is not received by 15.03.2013 (tomorrow) they are coming to tow the vehicle


Vehicle is worth scrap value (2000 Renault Laguna) worth £120 tops.


The Ticket is £97.00, with bailiff costs of £246.24 total outstanding £343.24



Can they seize a vehicle that does not belong to the entity named on the warrant? I have the original purchase documents, Invoice/receipt etc etc in my personal name from the auction house where it was purchased 4 years ago.


Just because the vehicle is registered to the entity named on the debt, does not mean it is owned by that entity.


The log book states in big huge letters. This document is NOT proof of ownership, it shows who is responsible for registering and taxing the vehicle.


I called the police, they said when they come back tomorrow to call them and ask them to attend, which I would have done anyway, I would have asked them to uphold their oath and make sure no criminal offense was committed.


But here is where I worry.


I have seen so many Youtube vids and read so many threads on different sites where the police have allowed them to take the car, even when they have no legal right to do so, and even when in taking the car a criminal offense was committed. This is the bit I worry about



Where do I stand, Just legal wise, Can they legally take the car because it is registered in the name of the debt (not owned though).


Can I demand that the police do their jobs and stop them committing theft, can I demand a Sergent/superintendent be requested as most PCs don't know the law.



Please pelase please help if you can

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I have moved your thread to the Bailiff forum where you are more likely to get a response to your questions.

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If you had not received the PCN /Notice to Owner then there is a simple legal process whereby you can send an email Out of Time witness statement to the Traffic Enforcement Centre. If received by 4pm all enforcement will then go on hold today. You are a bit late in the day for this but you ned to send the form in the morning. You need to ENSURE that your car is NOT visible to the bailiff.


In the next few hours you will need to establish the REASON why you had not received any of the statutory notices. Had you moved address etc?


Can you please post back with with any further info...

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This is where It is a bit confusing.


The debt is in the name of a LTD company, the ltd company is registered at my address, the debt is not mine it is the companies, the car belongs to me as an individual, the car does not belong to the company, i am a shareholder of the company.


The whole reason for limited companies is they are LIMITED, they cannot start selling the personal possessions of the directors of a ltd company.


The vehicle is registered to the ltd company because the company tax and insure the vehicle, I use my vehicle in my work for that company on a self employed basis. Part of my work contract with the company includes my tax, and insurance for the car being paid in addition to my salary.


This is why it is registered in the companies name, because it had to be legally as the company are responsible for registering and taxing it.


I do not have to prove if any paperwork was received pcn's or notice to owner, the ltd company has to do that, the company is a seperate entity to me.


Why should my personal possessions be seized to pay the debt of a ltd company.

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where is the company registered? is it at your accountants office or trading address?

all the letters would of been sent to the address on the V5C document


so if you havenot got any of those letters then you can appeal on thse grounds.


however if a parking ticket has been issued the fine is still payable, as long at it is a proper ticket and as you state Bradford Council then im assuming it is.

the clock may be rolled back, if they accept you didnt get any letters but the ticket will have to be paid.


if they dont accept that the letters were not recieved then yes they can remove the car, regardless of if it is in a company name or not as the warrant of execution will state names etc.


your best course of action is to contact northampton TEC

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sgtbush, thanks for your reply, but you leave me with more questions than answers


I cannot see how a vehicle belonging to a person can be taken in payment for a debt of a ltd company. That's the same situation as if they came to your house, and took your car to pay off the debt of the ltd company, your possessions have the same link to the ltd company as mine, ie no link at all. It is not my debt, it is the companies debt. The directors are not liable for the debts of the company, this is the whole reason for limited companies.


There is no denying the ltd company owe the debt, they do, they should pay it, and they will eventually pay it, but why should the employees and directors of that company be liable via their own personal possessions.


That is like (example i know tesco are plc, just example) The director of Tesco Ltd owing £400 on a parking ticket, and Crooky Debt Collections Ltd going and trying to seize a vehicle as payment from the poor lass who works on the checkout,


Surely the bailiffs can only levy distress on the assets of the Ltd Company.. My car is not an asset of the ltd company, it is my personal vehicle

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"but the ticket will have to be paid."

That remains to be seen. First things first, deal with the Bailiffs i.e. stop them.

Have you done as tt suggested ? I do not see any clarification from you as was asked by tt.

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The debt is not denied. The debt is owed, but the debt is in the ltd company name (presumable because that is the name the vehicle is registered in) I only work part time Fri-Sat-Sun delivering chinese food, Yes the debt needs to be paid, and It will be when funds permit. But if the debt is the companies can they legally take possesion not belonging to the company!


The vehicle will be parked this evening at a secure location away from my home. Can I do this legally as the paperwork I have states the vehicle has been seized.. although they have not disabled it by clamp or anything else.


If they take the car tomorrow and I cant work tomorrow night then I will be completely skint as I cant work at the local take away delivering without my car.

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The debt is not denied. The debt is owed, but the debt is in the ltd company name (presumable because that is the name the vehicle is registered in) I only work part time Fri-Sat-Sun delivering chinese food, Yes the debt needs to be paid, and It will be when funds permit. But if the debt is the companies can they legally take possesion not belonging to the company!


The vehicle will be parked this evening at a secure location away from my home. Can I do this legally as the paperwork I have states the vehicle has been seized.. although they have not disabled it by clamp or anything else.


If they take the car tomorrow and I cant work tomorrow night then I will be completely skint as I cant work at the local take away delivering without my car.


A Debtor hiding a seized vehicle is an offence. A rightful owner hiding their vehicle which has been siezed is not - the Levy upon the vehicle is invalid as it is not the property of the Debtor.


TT will know but I wonder if a statutory declaration (£5-£10 at local solicitors) stating the Car is yours not the LTD companies will be enough so you dont need to hide the car, after giving the bailiffs a copy.


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Thank you to all that have helped with advice.


I have been emailing Phoenix bailiffs all morning, I have emailed original bill of sale proving vehicle belonged to me and not the reg keeper.


They emailed stating, they have received and accepted the proof, and they have removed their fees from the account and passed it back to Bradford Council.


Thanks again.


Issue resolved,

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