Jump to content


  • Tweets

  • Posts

    • I would suggest that you stop trying to rely on legal theory – as you understand it. Firstly, because we are dealing with practical/pragmatic situations and at a low value level where these arguments tend not to work. Secondly, because you clearly have misunderstood the assessment of quantum where there are breaches of obligations. The formula that you have cited above is the method of loss calculation in torts. In contract it is entirely different. The law of obligations generally attempts to remedy the breach. This means that in tort, damages seek to put you into the position you would have been in had the breach not occurred. In other words it returns you to your starting position – point zero. Contract damages attend put you into the position that you would have been had the breach not occurred but this is not your starting position, contract damages assume that the agreement in dispute had actually been carried out. This puts you into your final position. You sold an item for £XXX. Your expectation was that you your item would be correctly delivered and that you would be the beneficiary of £XXX. Your expectation loss is the amount that you sold the item for and that is all you are entitled to recover. If you want, you can try to sue for the larger sum – and we will help you. But if they ask for evidence of the value of the item as it was sold then I can almost guarantee that either you will be obliged to settle for the lesser sum – or else a judge will give you judgement but for the lesser sum. This will put you to the position that you would have been had there been no breach of contract. I understand from you now that when you dispatch the item you declared the retail cost to you and not your expected benefit of £XXX. To claim for the retail value in the circumstances would offend the rules relating to betterment. If you want to do it then we will help you – but don't be surprised if you take a tumble.  
    • I was caught speeding 3 times in the same week, on the same road. All times were 8-12mph higher than the limit. I was offered the course for the first offense and I now need to accept the other 2 offenses. I just want to be ready for what might come. Will I get the £100 fine and 3 points for each of them or do I face something more severe?  These are my only offenses in 8 years of driving.
    • I'll get my letter drafted this evening. Its an item I sold, which I'm also concerned about, as whilst I don't have my original purchase receipt (the best I have is my credit card statement showing a purchase from Car Audio Centre), I do unfortunately have the eBay listing where I sold it for much less. But as I said before this is now a question of compensation: true compensation would seek to put me back into the position I was in before the loss ie: that title would remain with me until my buyer has accepted this, and so compensation should be that which would be needed to replace the lost item. But in the world of instant electronic payment, it could be argued that as I had already been paid, the title to the goods had already transferred, and I was required to refund the buyer after the loss. And so, despite my declared value being the retail price - that which is needed to return me to my pre-sales position, the compensatory value should be the value I sold it for, which being a second-hand item from a private seller is lower. I still believe that I should be claiming for the item's full value, rather than how much I sold it for, as this is the same for insurance: we don't insure the value we paid, but rather the value of the item to put us back into the position we would be in if we ever needed to claim. Its for the loss adjuster to argue the toss
    • amusing that 'bad economic judgement on behalf of prior party ISN'T a major reason to wingers to move to deform yet immigration is, where record levels of such has been driven by the right wings terrible brexit and the later incompetent dog whistle 'proposals largely driven to whistle to the right wingnuts Just seems to confirm the are clueless numpties 'wetting their own shoes   Has farage bought a property in Clacton yet?   yet concern for the NHS is listed as a major issue even by those saying they are moving to deform  
    • Also, have you told us how much you paid for this vehicle? Are there any other expenses you have incurred – insurance, inspections et cetera? How far away from the dealership do you live?
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like

Motonovo Finance Illegal? car repossession


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3485 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all, I'm new to this and really need advice.

 

Ill try to keep this short as its a very long story, so I'm just going to put the end part of it.

 

Last Wednesday two men turned up to repossess my dads car (ill put pointers at the end of how it got to this stage)

 

We had no warning of them coming and

my dad told them to go away as the car is parked on private property (he knows his rights)

 

they said they had every right to take the car as the left hand rear tyre was an 1in on the pavement (he parks it behind mine on the long driveway).

 

my dad calls the police and so do the collection men.

 

4 of them turns up at our house,

they then inform my dad that they can take the vehicle because of the tyre touching the pavement,

to which my dad tells them that as long as 3 tyres are on the driveway (plus 17in of an 18in tyre) they need a court order.

 

However the men start spouting a load of BS saying

"Yeah we can, we know the law, we have a warrant" and all that

 

however when asked to show a court warrant they turn around and say we only have this from the company.

(Which you can probably guess not a court order)

 

now the police turn around and say "Well this is a civil matter, we cannot get involved, we are just here to stop a breach of the peace.

 

my dad is left in a no win situation,

these men then call a tow truck to drag the car off the driveway to which the police won't stop as they say they cannot get involved.

 

my dad has to stand there and watch he car get dragged away.

 

As you can imagine my dad is very upset and very angry.

 

He has been told by debtline, the financial ombudsman and his solicitor that what they did was illegal

and not only did they not send a repossession order,

they haven't sent a termination notice

nor did they have the court order to take it off the driveway

and that the car must be touching the road not the pavement.

 

They have also told him to put in a formal complaint to the police as they let them take the car.

 

Now this is where I need advice as my dad really does not want to put in complaint as he has high regard for the police,

but doesn't he have to cover his own back??

 

And can the police actually get involved with it being a civil matter??

And if they can't they do they call it an illegal repossession??

 

This all start when my dad got two payments behind after losing his job,

 

he had been in contact with the company the whole time offering them a payment plan to which they refused,

on the advice of debtline and the ombudsman (he has been in contact with them since this started)

he started paying the arrears off online.

 

He has paid them £1354 and as of last Monday two days before this happened he was fully up to date.

 

Also what do you think will happen now?

 

His legal team are saying they must return the vehicle but

the finance company are just saying they are putting the account on hold??

 

If they send the car back should he accept it?

 

I mean why on earth would you want to stay with a company this does something this disgusting,

 

I'm in disbelief at all this.

 

Thanks again for reading any advice would be great.

Link to post
Share on other sites

hi and welcome to CAG

 

who are the finance co

 

what type of agreement eg hp, cond sale etc

 

total of agreement, without any ins addons

 

amount paid to date inc deposit

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

name and shame please

 

has he paid more that 1/3rd

 

if he has they NEED A COURT ORDER WHEREVER ITS PARKED.

 

section 90 referes here

 

he should entitled to ALL his moneyback AND the car

they have broken the CCA.

 

There are specific circumstances in which a finance company must obtain a court order in advance in order to be able to repossess your car.

 

 

For example, if the car was repossessed by virtue of a hire purchase agreement and you have paid more than one third of the total price of the car under the agreement then this means that the car becomes protected goods.

 

 

The consequence of this is that a lender is required to obtain a court order to repossess the car

– if they do not then you may well have a valid compensation claim as a result.

 

Where the value of the car finance is less than one third paid or if you gave valid written consent for the car to be taken then this protection may not be available to you.

 

 

The relevant section of the legislation is section 90 of the consumer crediticon Act 1974 and this applies to repossessions that have taken place within the last six years.

 

In addition to being able to claim compensation for an unlawful car repossession,

where a car has been taken without a court order in circumstances that require one then you might also be able to obtain a release from the liability in the contract

(for example the hire purchase agreement),

which effectively means that the debt ceases to exist.

 

 

Compensation can include the amount you have already made in hire purchase payments to the finance company,

as well as the cash received by the finance company if the car was sold on after it was repossessed.

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... 

Link to post
Share on other sites

Hi that's for replying.

 

The company is Motonovo Finance,

 

It's on HP I don't know the total figures but I know its around £16000 and he has paid £3500

 

I know this is not more than a third but the car was parked on private property.

 

We was never informed of them coming nor did they have a court order to remove it from the property.

 

I know they need this and am also aware of what they must send you before they can send collection men to your house.

 

What I really need to know is the civil areas this and the police because we are being told to put in a complaint but my dad keeps saying well it is a civil matter what can the police do? But shouldn't they have stopped them? They did not have any warrant, court order, no legal papers what so ever. All they had was one piece of paper from Motonovo saying they are there to repossess the car. Also my dad did not sign anything either when they took the car.

Link to post
Share on other sites

there are a few issues here

 

did they actually come onto your property to remove the car

 

technically they should have been prevented from doing this

 

but unless any damage was caused, then the only remedy

 

is a claim for trespass, barely worth the bother,

 

except for licensing issues

 

The important matters are what he received prior to the repo

 

default notice, with 14 clear days to remedy

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

under 1/3rd if its on the road [and the pavement is part of the highway]

they can take it court order or not

 

but as the master TOR says

 

they must have issued a dn with a complaint date in the dd/mm/yyyy format giving +14 days prior to removal.

 

who was the collection agents

 

also how are you gauging the 1/3rd?

 

we need to see the agreement

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... 

Link to post
Share on other sites

Yes course they did the car was parked on it they had to, to remove the car.

 

The police just said they wasn't going to get involved and my dad would have to sort it out after.

 

A default notice was sent but my dad had offered them the payment plan which they kept refusing and he made payments and has paid off the outstanding areas.

 

No termination notice has been sent nor repossession order.

 

The account isn't terminated still they have put it on hold until they have "looked into it" is what they are saying.

 

So now my dad has paid for this car and doesn't have it. The whole things a joke.

 

Also what happens about the V5?? I know a car cannot be sold without this so what will happen if they try and sell it now? Because after all the sneaky crap they have done so far I wouldn't put it past them

Link to post
Share on other sites

did he pay the arrears in full before the expiry of the default notice?

 

sadly as said as regards the repo

 

yes you could have ordered them off your land

 

but as the car has been taken

 

the only remedy on that score is a claim for trespass

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

if he did not pay the arrears in full before expiry of the dn

 

I would suggest that you request that they return the car

 

and if he is still having problems with the payments

 

that he looks into a time order

 

https://www.nationaldebtline.org/EW/factsheets/Pages/06C%20EW%20Time%20order%20-%20hire%20purchase%20or%20conditional%20sale/Default.aspx

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...