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    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
    • So you think not pay until DN then pay something to the oc to delay selling to dcas?    then go from there? 
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Hire Purchase Agreement Confused?


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Sorry for posting again.

 

I am just looking over the finance agreement for my Astra that i should be picking up on Tuesday or Thursday.

 

The car is a 1.7 CDTi Estate that is in superb condition and the price on display was £4995. I managed to get him to go from £300 p/x to £695 p/x on my vectra 1.8 2000 X Reg. This meant the car was now £4300.

 

However on this breakdown of Finance Agreement it seems he has added it back on???

 

I will be honest i am pretty unsure how all this works and wordings etc as this is my first proper car i will have owned.

 

It reads at the top:

 

The total amount of Credit to be provided under the proposed credit agreementnt or the credit limit: £4300

 

It says £151.95 per month (2 months after the executuin of the dicuments and a final payment of £310.95.

 

However below that it says:

 

The total amount you will have to pay this means the amount you will have borrowed plus interest and other costs.

 

Made up of:

 

Deposit: £0.00

Part Exhange: £695

Total amount of credit: £4,300.00

Admin Fee: £199

Interest: £971.29

Optional Option to Purchase Fee: £159.00

 

Total to repay: £6324.20.

 

This to me shows that the £695 has been added back onto the finance part and so i get NOTHING for my car afterall?

 

Now the deal has said that he has to put that to the finance company as part of the deal because they need all the details and it does not mean that is added onto my overall bill. If this was the case then why does it only add upto a total of £6324.20 when the P/X IS added onto the other costs.....

 

This whole car thing baffles me....i should of stuck to busses!! Lol

 

 

Thanks.

Edited by nova2005
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Also on a side note - he asked me to leave the 6months TAX on the Vectra and he would put road tax on the Astra for me...i just noticed he said a 6 month road tax on the Astra and that is only £66 compared to the £100 value that will still be on my vectra....so it looks i am now down another £34......

 

ARGH! I love this car but i am confusing myself but dont want to confront him and blow the deal if i am wrong!

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I thought that but hes adament that i wont be charged the £695...

 

What can i do? It says when i sign all the forms that the finance company will pay £4300 to him on the same day which was Saturday 23 at 2pm following a nice test drive. It wasnt until last night i noticed and asked him but i keep going over it and it still looks like he is recouping the £695...

 

I think now the finance will have paid him and i cannot go back on the deal...not that i want too as i do love the car and its perfect. However at the same time i do not want to be out of pocket by another £695 and get nothing for my car....

 

:( why cant this whole thing be easy.

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scan up the paperwork

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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This is the main page. I got another 2 of t&cs but no further mention of these details.

 

I am no computer whizzz so hope this is enough, if not then let me know.

 

Thank you.

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So is this enough info and am i right in thinking he has just re-added the £695 onto the balance via the finance?

 

Speak to him in the morning so it would be great if i could get a response by then because hes putting it in for an MOT & Service.

 

Goodnight everyone.

 

P.s. I keep thinking its just me not being good with finances etc because the guy is actually a genuienly nice person compared to a couple of other companys previously...!

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The £695 has to be shown on that document because it is a statement of the TOTAL costs or fees you are paying. You say the car costs £4995 and the document shows you are borrowing £4300 so where do you think the difference of £695 is being paid for? It is being "paid" with your car trade in being valued at £695.

 

So, in absolute total, you are going to pay

 

35 x 151.95 = 5318.25

plus

1 x 310.95 = 310.95 (normal month payment plus the 199 fee)

plus

p/x 1x 695

 

Total £6324.20. In cash terms you are only paying from now the 36 x £151.95 plus the £199 finance fee

Edited by crem
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yes of course it does, because it still classes as a "payment" which you hae already made by handing over your car. You car is "worth" £695 so by handing ove rthe keys you are making an initial "payment" (or deposit if you want to think of it like that) of £695 from the purchase price of £4995. Having "paid" this £695 you still need to borrow £4300 to purchase the new car.

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I am even more confused...

 

You said i will be paying the £695 p/x??

 

I was told this was taken OFF the £4995 to bring the price down to £4300 Total minus any finance fees etc....

 

So why do i still need to pay £695 p/x fee? I wouldnt pay anyone to take my car off me - its not that bad!

 

Aslong as i am not PAYING for my car as p/x of £695 being ADDED back on then i am happy. If i need to also PAY the £695 ontop of my £4300 Astra i am buying - isnt that paying for the both cars and him recouping his £695 discount?

 

This is soooooooo confusing.

 

Key points:

 

I trade in old vectra

£695 offered as p/x

That is used to discount the Astra down to £4300

Everything signed and agreed

I then notice the £695 is on the finance agreement as other costs

I panic and think hes added back on the discount elsewhere to recoup the so called GREAT offer

I do not know if i am confusing myself or if something is wrong

 

I just need to know 100% if i am being charged £695 on top of my £4300 so therefore paying for my p/x vectra and getting nothing for it....

 

Thank you.

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I read it again CREM and i think i get it...

 

Car £4995

P/X £695

 

Total: £4300

Finance: £4300

Interest

Admin Fee

OPF

P/X Fee

 

Total will be payed of the £6300 or so....

 

So i am not charge my car again?

 

I badly confused myself it seems lol.

 

Thank you.

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Yeah ask Crem he knows all so he says

 

I have explained it as clearly as I can using example values and it would appear nova2005 is now managing to follow the mathematics. If he hadn't I would have attempted to explain the calculation in another fashion. The only person throwing in sarcastic comments appears to be you matt v atos which don't seem to be helping the nova2005 at all.

 

Please feel free to offer nova2005 any assistance and advice you think may be useful to his understanding, meanwhile I will continue to help him with the logic of the document.

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I am even more confused...

 

You said i will be paying the £695 p/x??

 

I was told this was taken OFF the £4995 to bring the price down to £4300 Total minus any finance fees etc....

 

So why do i still need to pay £695 p/x fee? I wouldnt pay anyone to take my car off me - its not that bad!

 

I think the line I have highlighted above is where you have given yourself the confusion. He was never going to reduce the cost of the new car from £4,995 All he is doing is "playing with the numbers" so to speak to get to where you think you are getting a good deal and he is making the right amount of profit too.

 

eg

In the back of his mind he knows he's making a profit if he sells at £4,500 but he adds £495 on as a bargaining value. I walk in with no p/x and cash in my pocket and "haggle" with him down to £4.600. I think I've done a cracking deal saving £395 and the dealer is laughing all the way to the bank coz he made £100 more than he expected.

 

same car now but you have a p/x that you think is worth about £500

car is priced at £4995 just the same as before and he offers £300 for you car (he knows he can sell it for £500 tomorrow)

You refuse and drive a hard bargain up to £695 which is more than it's worth really. He still knows he can sell it for £500 tomorrow so will lose £195 on that bit of the deal. However he doesn't offer any discount off the new car at £4,995 so he knows he had the "extra" £495 he addded to the ticket price to play with. So the £695 is as good as cash in your pocket and pays the first bit of the £4995 bringing the balance needed to £4,300 which comes from the finance company.

 

So in summary he is going to sell you a car for £4995 plus sell your car for £500 making his income £5,495 then give you £695 making his net income £4,800. He's just made £300 more money on the deal than he expected when he first thought of selling the Astra for anything over £4,500, but you both think you have won and are happy with the deal! :)

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I have explained it as clearly as I can using example values and it would appear nova2005 is now managing to follow the mathematics. If he hadn't I would have attempted to explain the calculation in another fashion. The only person throwing in sarcastic comments appears to be you matt v atos which don't seem to be helping the nova2005 at all.

 

Please feel free to offer nova2005 any assistance and advice you think may be useful to his understanding, meanwhile I will continue to help him with the logic of the document.

 

Sorry! was thinking post was a bit what do you mean you don't understand ! sorry again glad you helped OP thanks again

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Problem is the OP is being charged interest on the deposit as well, (ie his car px value) it should add up to £6254.29 for the loan and costs.

The garage makes good money out of the finance company for putting business their way. I would tell them to look at the figures again or you will get a loan elsewhere. That will cost them money in lost commission and they wont like that so are more likely to admit their errors and amend.

They probably did the finance sums first and took £695 off the total which is wrong

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Made up of:

 

Deposit: £0.00

Part Exhange: £695

Total amount of credit: £4,300.00

Admin Fee: £199

Interest: £971.29

Optional Option to Purchase Fee: £159.00

 

Total to repay: £6324.20.

 

 

Problem is the OP is being charged interest on the deposit as well, (ie his car px value) it should add up to £6254.29 for the loan and costs.

 

ericsbrother, how do you conclude that from the information given?

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