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    • Most contracts are subject to the Consumer Contracts Regulations 2013 which provide that you have a cooling off period of 14 days when you make a contract online or off premises. Unfortunately there are various exemptions and insurance contracts is one of them. It's hugely unfair in my view. Obviously if the insurance cover has already started then it may well be fair – but for a contract to start and insurance cover in the future, it seems to me that there should be a right to cancel at least until the beginning of the cover. So the answer is – yes they are entitled to levy a charge although that charge has to be reasonable and to reflect their administrative losses caused by your breach of contract. £29 sounds a little bit on the steep side and you can make an issue of it if you wanted. That means that you could require them to give you a detailed breakdown as to how this reflects their administrative losses and if you felt that you disbelieve them, you could decide to issue a claim and take it to the Small Claims Court. I would say that in the event there is a very high chance that they would back down simply because it wouldn't be worth their while to defend – but you can't bank on this and it would be a risk to you.  
    • Yes please - as requested above please will you post the claim form and the judgment in pdf format
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    • Oh I just remembered I have a long defaulted account with Halifax balance approx £3700 I believe (from around 2015) but they aren't chasing me for it or anything. It was actually over £5000 but they refunded me a load of unfair charges (their words)  This does however push me over the £20,000 limit for a DRO I think?  
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mystic_bertie

Private Purchase Of Car & Proof Of Ownership.

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Hi guys

 

I bought a car privately for £1500 cash for my girlfriend to use. She will be the registered keeper as this also makes the insurance cheaper. She will be the registered keeper and main and only user of the car.

 

I withdrew the cash from my bank account and bought the car without any kind of receipt. How can i prove ownership in the event of a break up and i want to keep this car that i paid for?

 

My girlfriend is aware of this so im not doing anything sneaky. If necessary i could ask the previous owner for a written receipt.

 

thanks

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The previous owner is the only person who could give you a receipt confirming it was you who bought the car. A break up isn't the only time proof that you own the vehicle could be useful. Suppose your girlfriend got into debt and bailiffs wanted to seize the car unless she could prove it wasn't hers?

 

 

The AA have a template wording that can be used for private sales http://www.theaa.com/car-buying/buyers-sellers-contracts

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Ethel - many thanks for your reply and for the link. Thats a good point you make about the bailiffs although i hope that never happens too. The template on the AA site looks ideal and i will ask the previous owner to complete this and send it to me. Many thanks.

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Sounds like the best way. That AA receipt is designed to be signed by both of you though. Ideally if you can both get together and both sign both copies. If that's not practical at least send the seller 2 copies, both signed by you, and he signs one and sends it back to you. It's protection for the seller too. If he needs to prove he doesn't own the vehicle!

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Ethel Street

 

Many thanks for your reply, thats a good suggestion, i have suggested this to the seller so ill await his reply. thanks ;)

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You should also keep a copy of the bank statement which shows the passage of purchase price.


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ploddertom many thanks for your reply, that's great advice too. Ill do this too ;)

 

The seller has hand written me a receipt with the necessary details on it and he is sending it to me. Ill hold onto this plus the bank statement. cheers guys

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