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    • So @theoldrouge where was farage during the D-day honors/remembrance ? He was quick to trash Sunak - but at least sunak showed his face heh?   Sunak perhaps needs to slip some dosh to led by donkeys to fund some banners in Clacton heh? Suggestions: D-day - Sunak maybe ran, but Farage never even showed Farage I'm the only one who can change my mind - dont you plebs think you can Clacton, who wants to spend time in Clacton? 48/52 is unfinished business - ooops eerrrr no it is  ...  err well unless is what I lose by Reject me 1 times shame on you, Reject me 7 times shame on me   Hers how: A statesman - and not just in waiting
    • Yep let us have a good laugh eh from today’s Telegraph 🤣😂🤣 the rest must try harder    Farage won Friday’s election debate, a poll finds Nigel Farage won Friday night’s seven-way BBC election debate, according to a poll.  A snap poll of 1,031 voters by More in Common found most thought Mr Farage won the debate, followed by Angela Rayner. Mr Farage received 25 per cent of the vote while Ms Rayner received 19 per cent. The Green Party’s Carla Denyer was the third most popular with 11 per cent, Stephen Flynn for SNP received 10 per cent and Penny Mordaunt, the leader of the House of Commons, took 7 per cent of the vote. Daisy Cooper, the deputy leader of the Liberal Democrats and Plaid Cymru’s Rhun ap Iorwerth took 5 per cent and 2  per cent respectively. The debate saw Britain’s main seven political parties clash ahead of the general election on July 4.  Mr Farage, who returned to frontline politics for Reform this week and is standing as an MP in Clacton, challenged his political rivals on immigration and net zero policies.
    • Hi CAG Team, I'm seeking your skills and help for a NtK my partner received through the post earlier this week. To give a little backstory, my partner and I, along with our young children (4 and 7), decided to go on a camping holiday about 3 hours away from us. We took a car each because we didn't have enough room in one car. We arrived at the services at very similar times as we followed each other the whole way. So, two cars. My partner has received this NtK, but I haven't. This NtK dropped through the front door on Wednesday, June 5, 2024.  We both parked in the Burger King car park, not in BP; we got out, all went for a toilet break, got some food from the BP garage and returned to our cars to eat.  After eating, we took the kids to the toilet again before leaving to complete our journey. I didn't notice any parking restriction signs and can't get back to the location due to how far away it is. I noticed another person had an issue here and reported it to you, and they managed to get the charge dropped. See below. To me, it looks like they have cameras at the complex's entrance and exit. I'm not sure if they own the land/car park by Burger King, I'm not sure if this is a legal contract or not.  I find that 30 mins limit at a Services that serves hot food to be ridiculous and unfair, especially as we had kids to feed and water.  And the fact that I didn't receive the same NtK despite us driving in and out together is just crazy. This is the location - I also uploaded a map image. Google Maps MAPS.APP.GOO.GL ★★★☆☆ · Restaurant 1 Date of the infringement 24th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 29th May 2024 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] N 5 Is there any photographic evidence of the event? Y - Only entering and exiting the complex/land. 6 Have you appealed? [Y/N?] post up your appeal] N 7 Who is the parking company? MET 8. Where exactly [carpark name and town] BP Blue Boys, Tonbridge TN12 7HE For either option, does it say which appeals body they operate under. POPLA I hope you can help me out with some guidance on how to proceed with this. Let me know if you need anything else. Thank you, Passerby0233 2024-06-08 13_17_52-Burger King - Google Maps — Mozilla Firefox.pdf NtK_29-05-2024.compressed.pdf
    • Which Court have you received the claim from ? Civil National Business Centre (Northampton) Name of the Claimant ? PRA Group (UK) Limited How many defendant's  joint or self ? Self Date of issue – 23/5/24 AOS - Tues, 11/6/24 (19 days)  Defence - Thurs, 25/6/24 (33 days) Particulars of Claim 1. The Claimant claims the sum of £7926 for an outstanding debt owed. 2. On 20/4/18 the Defendant entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. 3. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. 4. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925 What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad What was the date of your last payment? Unsure (probably 2021) Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No ................... I have read through a number of similar threads, one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid),  not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Claim form 23-5-24.pdf
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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New Caravan


Maisie999
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Hi all, just a quick one. Bought a brand new caravan in November 2014, wasn't right, long list of faults. Took it back, complained to dealer who didn't want to know so took complaint to finance company. They instructed dealer to fix, they did and a report was gained by the finance house which stated jobs had been done. Caravan was returned to us and guess what, yep, only some jobs done and others to very poor standard. I was not happy at all, this caravan by the way is £34,000! Sent it back to dealer, told finance company I want to reject. They are now getting another report done. How long should all this take? We are paying nearly £400 a month and haven't used it! The repairs have really been bodged, not good enough for such an expensive van. Any advice?

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Have you also contacted the manufacturer?

 

For Example - Although bought from a dealer, the manufacturer of our caravan is Bailey.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Have you also contacted the manufacturer?

 

For Example - Although bought from a dealer, the manufacturer of our caravan is Bailey.

 

Stigman

 

It's an Elddis brand, they are next to useless! Really not interested, we just want to reject now so we can buy elsewhere. The only people to have listened is the finance company but now I'm starting to think they aren't going to play ball!

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Please also remember that you can reject under the Sale of Goods Act, if the Caravan has been manufactured with defects that render it impossible to use or to use as it was designed to then I would go down this route.

You may need independent reports etc.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Please also remember that you can reject under the Sale of Goods Act, if the Caravan has been manufactured with defects that render it impossible to use or to use as it was designed to then I would go down this route.

You may need independent reports etc.

 

Stigman

 

I think that's where it becomes a grey area, the caravan is perfectly usable, the faults are along the lines of scratches to cupboard doors, window catches not operating correctly, motor mover not working correctly, tear / unstitched area on a curtain, flaw in carpet, door catch not catching correctly, locker door doesn't fit right etc etc.. All smallish jobs in their own right but added together on a £30,000+ NEW caravan in my eyes not acceptable. If it was a used van we had inspected before then no problem but we bought new so we should expect new quality??

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Hiya,

 

I would then write a letter to the HQ of Elddis and ask them either why did they let it leave their factory in this condition & that the Dealer is non-compliant when resolving build quality issues.

 

Elddis

Delves Lane

Consett

Co Durham

DH8 7PE

 

Mr Rob Quine

Managing Director

Email: [email protected]

Telephone: 01207 699 000

Fax: 01207 699 001

 

I totally agree with you if it is not perfect for £30,000 then you have the right to complain.

 

We used to have an Elddis about 12 years ago, it was only a two berth which was great but I passed Mrs. Stig on the stairs a couple of times and we now have a 6 berth Bailey.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Stigman - try crossing your fingers whilst crossing on the stairs, I've been told it works!!! Thank you so much for the info however I have just had a call from the finance company stating they are happy to reject given all the issues so at least we will get our deposit back and can start looking again! On the deposit front, we were offered £12,000 in PX for our caravan however on the forms the dealer put £10,000 and reduced the amount of the new van by £2,000. Will we only get the £10,000 back? If so we wouldn't be able to replace our PX. Is there anything we can do about this or have I dipped out because I never said anything before?

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I think in all honesty that you will receive back only the £10,000 px, that is the amount that is stated on the signed agreement.

 

The extra £2,000 discount that was also part of the px of your old caravan will be hard to prove unless you have a breakdown of the figures.

 

Has the caravan brokers still got your old px?

Did you sign & send the CRIS documentation on your old Caravan?

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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I think in all honesty that you will receive back only the £10,000 px, that is the amount that is stated on the signed agreement.

 

The extra £2,000 discount that was also part of the px of your old caravan will be hard to prove unless you have a breakdown of the figures.

 

Has the caravan brokers still got your old px?

Did you sign & send the CRIS documentation on your old Caravan?

 

Stigman

 

The PX is long gone apparantly, we didn't sign any cris docs. Just what I thought re deposit. You live and learn!

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Contacting the manufacturer if it is Elldis they are bloody useless. Same problem, faults with a new 20k caravan, no manufacturer interest. Fortunately dealer on my side and is sorting things out themselves and billing manufacturer.

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Hi Maisie,

 

Sorry for the late reply, typical weekend/Monday in the Stig Family household.

 

I would also write, telephone or email to the NCC to inform them that you are no longer the owner of your old Caravan and that you PX'd it into xxxx Dealership on xx/xx/xxxx.

Their is no legal requirement to do so btw.

 

The address, email & phone numbers are...

NCC CRiS

PO Box 445,

Aldershot,

GU11 9FS.

T 0203 282 1000

[email protected]

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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  • 3 weeks later...

Thank you Stigman, I read your post and followed your instructions last week. Thanks for your help. Sorry I haven't updated in a while but we have been having terrible problems at home. Thanks again to everyone who has replied.

Black Horse Finance finally decided to refund all our deposit and payments and allowed us to reject. Despite wasting money on two independent inspections of which neither picked up the faults with the upholstery or the scratches to the front panel! It wasn't until I sent in my own photos they were aware of how bad it was! Anyway, long story short we have rejected and all monies have been repaid. I have to say looking back that Black Horse were very good overall, in fact we have been and bought a 2014 caravan from another retailer and have financed that through black horse, I'm not sure they wanted us back as a customer but they have got us! The caravan we have now is fantastic, not without its little faults but we had the chance to look at it and after all it is a year old so we are realistic and don't expect new condition. I so wish we had done this in the first place but I thought buying new would give us less hassle! One final tip, I am not sure if I am allowed to name them but a very large caravan dealer somewhere near Glossop - they gave us so much trouble and hassle right from the start, I wouldn't wish them on my worst enemy. Dreadful from day one.

We bought our latest caravan from Longtons in Lancaster, totally different, very helpful, explained and listened, would recommend 100%.

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