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    • cadbury...listen carefully.   you have enough medical issues to get yourself under the care scheme. go ring this number..   08000728625   tell them your story.
    • Thanks Andy, how can i pay Barclays direct if they have passed it onto Arvato...or westcot.?..(or both at various stages apparently?).  And as forBarclays saying because of their own mistake /breech of cca rules etc, they would never take it to court...have they just offloaded it to these stupid debt collecting idiots/
    • The only reason I don't want to enter a DRO unless absolutely necessary is because I was reading that when renting your home the tenancy agent can kick you out of your home for entering into a DRO or IVA? Also, I currently rent my car on a PCP and I could have that contract terminated too?!   If I enter into the informal negotiations with my creditors via the pro rata letter, am I correct in thinking that this wouldn't affect my renting status and the my hire car?    What would I need to show them to provide income and outgoings proof? Bank Statements and Wage Slips?   x
    • pers I wouldnt touch an IVA with a barge pole. DRO if you must take such routes which is probably the best way for the future. as andy explained earlier   once you 'default' by entering into your own arrangement [our pro-rata stuff] the defaults are there for 6yrs anyway killing credit. but under the same breath, so is the DRO marker...   there is nothing to stop you doing pro rata..see how it goes then switching if needs be.  
    • pers id send by royal mail our vt letter.   see what they do.   Section 99 of the Consumer Credit Act gives the debtor the right to terminate a hire purchase agreement,  simply by giving written notice of termination.  . The right to terminate applies at any time before the final payment becomes due, unless the creditor has already terminated.  contrary to the line taken by many finance companies,  . the debtor need not have paid half the total amount payable,  and nor do they have to pay any arrears, [read below carefully regarding arrears ]. . before exercising the right to terminate.  . Sections 99 and 100 set out the debtor's liability on voluntary termination.  The sections are complex,  but their main effect can be summarised in brief as follows.  . If the sum of payments made and arrears before termination exceeds 50% of the total price,  than the debtor is only liable to pay the arrears.  . Otherwise, the debtor is liable to pay half the total price, less any payments already made.  .  so the debtor can terminate at any time if he has reached the 50 % mark but would be liable for any payments still to reach the 50 % mark,  .   it does not matter if the account is in arrears at the time or request to do a voluntary termination. . you need to specifically nail them down that this is a VT and NOT a VS Voluntary surrender]. dont get caught out!! . take extensive photos and video of the car inside and out  and underneath [use a selfie stick] and in the engine compartment  ALWAYS. . if they try and charge a repo fee or collection fee they cannot: . The only charges you must pay are the ones contained in the legislation and itemised in section 101,  the charge mentioned is levied after the agrement is terminated and is void in any case.  . All it means is that no one will collect the terminated car(their car), well that is ther problem it is no longer yours , your attachment to the car has been terminated.. . 173 Contracting-out forbidden. (1)A term contained in a regulated agreement or linked transaction, or in any other agreement relating to an actual or prospective regulated agreement or linked transaction, is void if, and to the extent that, it is inconsistent with a provision for the protection of the debtor or hirer or his relative or any surety contained in this Act or in any regulation made under this Act. . This term is covered by the above section of the CCA 1974 in that it breaches this: .  99 Right to terminate hire-purchase etc. agreements. .  (1)At any time before the final payment by the debtor under a regulated hire-purchase or regulated conditional sale agreement falls due, the debtor shall be entitled to terminate the agreement by giving notice to any person entitled or authorised to receive the sums payable under the agreement .  In other words nothing can stop you voluntarily terminating. . although dependant on the way your agreement is written, they can charge excess mileage .  this has been accepted at county courticon level, but afaik has not been tested in a higher court .. . . ..............example letter..ADAPT TO SUIT............. . You must vt under s99/100 cca1974. do not sign any of their forms, or agree to pay anything.  . The car has just to be in reasonable condition for its age.  If you have paid in excess of 50%,  with no arrears there will be nothing to pay. . Send them the following letter,  they MUST action your request,  you should endeavour to be present at the vehicle inspection--- . VOLUNTARY TERMINATION OF AGREEMENT UNDER S99/100 CCA 1974 .  Account No: (xxxxxxx) .  Dear Sir,  I am writing to notify you that I am exercising my right to terminate the above Agreement  under Section 99 of the consumer credit act1974.  . You will understand that the aforementioned section permits the debtor to terminate the agreement  at any time before the last payment is due.  . There is no restriction regarding the exercising this statutory right,  particularly none in respect of any perceived arrears or monies due on termination . I understand that I shall be liable to you for the amount calculated under the formula in Section 100  of the Consumer Credit Act 1974.  . **As I have/have not paid more than the amount calculated under the formula in Section 100 the amount due is £XXXX/zero. .  The above agreement will be terminated 14 days from the date of this notice. .  Please send me details of how the vehicle can be returned to you. .  You will be aware that statute prevents you from levying a charge for the recovery of this vehicle;  guidelines also state that if you require me to deliver this vehicle  it must be no more than a short (reasonable distance) from my registered address. .   Please confirm receipt of this request in writing within 7 days of receipt. . -Yours etc... ..  
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chaoticj

Listing removed from eBay, reported by Sky Media for selling a Now TV Cinema pass VeRO abuse?

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Hi,

 

I've had a listing removed from eBay - apparently it was reported by Sky Media. There is no real reason as to why the item has been removed just that 'please not (sic) that this item is not allowed on our site.' and 'for more information read the help pages or contact Sky directly.'

 

The item in question was a Now TV Sky Cinema pass - I bought another couple of Now TV boxes before Christmas and didn't need the passes. As far as I'm aware the listing was compliant with eBay rules - item to be posted via Royal Mail, so not a 'digitally delivered item' or 'non-physical goods'. I believe Now TV is a subsidiary company of Sky - but they don't own it directly?

 

The link to contact Sky and for more information is: https://business.sky.com/fighting-fraud/ when you look at this it only mentions Sky Sports, about illegal use of Sky Sports programming and Unauthorised foreign broadcasts - nothing to do with what I was selling.

 

I believe when listings are removed like this it is because the company concerned are a member of eBay VeRO - 'Verified Rights Owner' programme or something. I've read in the past that companies basically abuse this, eBay remove all listings that they report which could be for a multitude of reasons. On the list of VeRO members (UK is toward the bottom of the page) I can't see Sky listed http://vero.ebay.com/

 

I hate such bullying by large companies - I've spent a while on live chat to eBay but they are adamant that I need to contact Sky and that 'if Sky allow me to sell the item, I can pass the communication onto them'. They won't give me a copy of the report, a specific number to call for eBay listing removals - nothing.

 

It feels very much like a big bully boy company (Sky) dictating an item can't be sold to another large multinational (eBay) who simply bow to them - no mistakes, no appeals etc.

 

What can I do? Has anyone had this issue before? Please help..

 

Thanks in advance..

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Hi chaoticj

 

I have moved your thread to a more appropriate forum were you should get a better response.

 

Briefly looking at your problem I would of thought that this item was bought under the terms of none transferable and not to be sold to a third party in its terms and conditions...but lets see what response/advice you get from other posters.

 

Regards

 

Andy


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Hi chaoticj

 

I have moved your thread to a more appropriate forum were you should get a better response.

 

Briefly looking at your problem I would of thought that this item was bought under the terms of none transferable and not to be sold to a third party in its terms and conditions...but lets see what response/advice you get from other posters.

 

Regards

 

Andy

 

Hi Andyorch,

 

Thanks for your helpful response. I have checked the cardboard sleeve from the Now TV Box packaging, it doesn't mention about the voucher being non transferable, it just says:

 

"Voucher inside to redeem your Sky Cinema Month Pass. Simply enter the voucher code at sign up. Voucher expires one year after date of purchase. After pre-paid period, Sky Cinema Month Pass automatically renews at its then standard price (currently £9.99 pm) until cancelled. Ongoing monthly cost, content and channels are subject to change. Sky content available depends on pack purchased... etc etc etc See nowtv.com for full terms. Information correct at 14/06/16."

 

When you look at the terms on their website, there is also no mention of vouchers/passes being non transferable: http://www.nowtv.com/terms the only mention I can find when I google it is when they have had special offers e.g. getting a free or heavily discounted pass via an offer, the terms usually state that it is non transferable.

 

With the actual passes bundled with a Now TV box, I can't find such terms stipulated anywhere?

 

Thanks in advance,

chaotic_j

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I should imagine the pass is only part of the contract throught the Now TV box purchase. The pass is not a separate tradeable item. It would be an oversight by Now or Sky, if they have not added any condition to the contract terms.

 

Ebay probably automatically delist any such attempts to resell such these passes and i am not sure you can do much.

 

If you wanted to sell the pass on, you would probably have to do it privately without advertising.


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