Jump to content


  • Tweets

  • Posts

    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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
  • Recommended Topics

HCEO re: CCJ for unpaid car rental excess Fee following write-off


c-Bai
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2623 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 need a little bit of advice please.

 

I have had a Notice of Enforcement from Marstons, for just over £1100.00.

I believe my notice period ends on Monday.

 

 

The money is owed as the result of excess on car insurance after an unfortunate accident in a hire car. Insurance and the car provided by a hire car firm.

 

I have spoken to them this evening and asked them if I could set up some sort of payment arrangement to pay them, but have been told they wouldn't do that without a HCEO visiting to see what goods I have.

 

I told them about lung issues I have,

which leave me often unable to walk and/or adequately breathe,

which leaves me in a lot of pain and that it's not likely I'll get to the door.

 

 

I have two children living with me (my 16yo daughter acts as a sort of unofficial carer), and he suggested that I send them to the door to let them in.

 

BUT, is a hire agreement regulated by the Consumer Credit Act and are (as the internet seems to suggest), HCEO's not allowed to collect on these debts?

Is this accurate please or has it changed?

 

The result I want is to get to a stage where I can make regular payments (I'm happy to do that), but in this situation I fear I'm going to be at the mercy of a HCEO who will affect my health by making things difficult.

 

My health often suffers if I am up and about too much and it declines rapidly, something they are demanding of me by asking me to answer and deal with them at the door.

 

Thank you for having a place I could ask this question.

Link to post
Share on other sites

well you most certainly DONT ever let him in nor sign anything with him.

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

excess claim on car insurance is not covered by the CCA.

 

 

so it can be an HCEO.

 

 

what letters have you had and their dates

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

It's not excess on a car insurance document though is it,

it's excess included in a hire agreement,

which is the same document they are using to enforce my payment of this money.

 

 

I thought perhaps that as this detail was included in the agreement and only in the agreement

(the only paperwork between the hirer and myself), and the agreement should be regulated by the CCA, that this should apply?

 

I have had a Notice of Enforcement, received two days ago, dated 8th February 2017 (our post can be like that).

Link to post
Share on other sites

unless the claimform says its CCA regulated its not

 

 

can you post up the poc from the claimform please

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

It says (my name) hired a people carrier from (Claimant), on the 27th Dec 2014.

 

Unfortunately she had an accident, and the car has been write off (sic),

(My name) was well aware that there was an excess on the vehicle of 1000 (sic) in the event of an accident where the vehicle was declared a write off.

 

We have the original signed insurance documentation.

 

We have made several attempts with no avail to get (my name) to pay the money she owes.

 

That's exactly as it's written.

 

I did try and pay them and wrote to them on numerous osccasions,

but they wanted the full amount.

I couldn't pay it.

I offered £200/month.

 

Also the document they are referring to is a hire purchase agreement, with insurance details on it, rather than an exclusive insurance document.

 

Everything I can find online suggests that to hire cars out they need to have a consumer credit license, and that the consumer credit act regulates car hire.

 

I'm just trying to understand why if that's the case, this is not covered.

Link to post
Share on other sites

HP agreements have nothing to do with Hiring a car...and Hire Car has nothing to do with CCA1974

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

It's not Hire Purchase is it to rent a car for two days?

 

I know thats what Ive just stated

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Is there anything else I can do?

 

Take it up with the company that provided the car insurance for 2 days

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Okay, sorry.

 

I'm just trying to find a way to stop this so I can deal with it within my ability and means.

 

Take it up with the company that provided the car insurance for 2 days

 

The rental company?

 

They denied my offers to pay.

Link to post
Share on other sites

who was the claimant?

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

Why did you not defend the claim when it arrived ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

Hi all - I need a little bit of advice please.

 

I have had a Notice of Enforcement from Marstons, for just over £1100.00. I believe my notice period ends on Monday.

 

The money is owed as the result of excess on car insurance after an unfortunate accident in a hire car. Insurance and the car provided by a hire car firm.

 

I have spoken to them this evening and asked them if I could set up some sort of payment arrangement to pay them, but have been told they wouldn't do that without a HCEO visiting to see what goods I have.

 

I told them about lung issues I have, which leave me often unable to walk and/or adequately breathe, which leaves me in a lot of pain and that it's not likely I'll get to the door.

 

My health often suffers if I am up and about too much and it declines rapidly, something they are demanding of me by asking me to answer and deal with them at the door.

 

Thank you for having a place I could ask this question.

 

Unfortunately, with CCJ's passed to a High Court enforcement company, it is a requirement that a payment arrangement cannot be accepted without a personal visit being made. The reason is outlined under paragraph 7.3 of the following Explanatory Memorandum supporting the Taking Control of Goods (Fees) Regulations 2014.

 

http://www.legislation.gov.uk/uksi/2014/1/pdfs/uksiem_20140001_en.pdf

 

You say that you have health problems. Are you in respect of any disability benefits?

Link to post
Share on other sites

A local hardware company who are running a Practical Car Hire franchise as far as I can tell.

 

nice to see bailiff advice pop up

 

why are they hiring cars out with inadequate insurance inplace???

 

sorry something smells here

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

Unfortunately, with CCJ's passed to a High Court enforcement company, it is a requirement that a payment arrangement cannot be accepted without a personal visit being made. The reason is outlined in the following Explanatory Memorandum supporting the Taking Control of Goods (Fees) Regulations 2014.

 

You say that you have health problems. Are you in respect of any disability benefits?

 

No, I'm self employed, so I can work from my laptop in bed if I need to. I get in work benefit help with having children, but that's it. I'm not able to get to the pip assessments, so I have never gone through with finishing applying for it.

 

I live in the middle of nowhere, one friend local and no family. I have no support to make that happen.

 

nice to see bailiff advice pop up

 

why are they hiring cars out with inadequate insurance inplace???

 

sorry something smells here

 

Should they not be hiring out cars?

 

I don't understand, what smells?

 

I'm really worried about this, I can take a photo of that section of the claim of it helps, but I copied it word for word (except for my and their name).

 

I live in a very rural area, I'd rather not give details out is all.

Link to post
Share on other sites

http://www.the-franchise-shop.com/list/401/practical-car-amp-van-rental

 

Claimant:A local hardware company who are running a Practical Car Hire franchise :

It says (my name) hired a people carrier from (Claimant), on the 27th Dec 2014.

 

well for a start I don't like this line in the POC:

 

(My name) was well aware that there was an excess on the vehicle of 1000 (sic) in the event of an accident where the vehicle was declared a write off.

 

this claim is more than 2yrs old, why HCEO now?

....

 

you signed a rental agreement with the require clause regarding excess

 

they've taken this long..

 

too me it all smells

but you need to deal with the HCEO and BA can help with that

 

me pers..i'd be going for a set aside on the CCJ and you should get remit on the £255 fees if you are lucky and on benefits..

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

No, I'm self employed, so I can work from my laptop in bed if I need to. I get in work benefit help with having children, but that's it. I'm not able to get to the pip assessments, so I have never gone through with finishing applying for it.

 

I live in the middle of nowhere, one friend local and no family. I have no support to make that happen.

 

What sort of payment proposal were you considering making?

 

Do you have a car parked outside of your home? If so, it is at risk if being seized. How much roughly is it worth?

Link to post
Share on other sites

I hope to strike a balance between what they want and what I can afford. It's not going to be anywhere near the £200 I offered originally, I'm much worse off now. I'm struggling with life generally if I'm honest.

 

I don't have a car, I hire them when I need one.

Link to post
Share on other sites

Hi, yeah I still have my copy. It was a full agreement with insurance as part of that agreement in one section.

 

I wasn't offered any other insurance ever. I hired with them regularly over a number of years. Always just the same one sheet document.

Link to post
Share on other sites

I have moved your thread to the Motor insurance Forum....I appreciate that there is a Bailiff element....but you need expert advice from our insurance guys......once you have this part sorted we can move you back to Bailiff Forum.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...