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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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Vehicle finance struggles - MotoNovo


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I write on behalf of a family member who I will refer to as Chris.

 

Chris Purchased a vehicle on HP finance with MotoNovo in Summer of 2016 the figures below show the original agreement figures.

Cash price: £11,289.00

Interest: £2807.40

Optional option to Purchase Fee: £1.00

Overall total (inc OPtional option to Purchase Fee) £14097.40

60 x Instalments monthly: £234.94

 

Payments were regularly maintained for 2 years before getting into financial difficulties due to employment issues.

Balance as at July 2018 £8966.61

 

Charges have been added to the account for:

1) unpaid direct debits - £5.00

2) default notice fees - £15.00

3) default interest charges - various - ranging from £3.30 - £10.85

4) Legal Charges fee - £488.00

5) Repossession fee - £330.00 (will explain this later on)

6) Judgment for Delivery of Goods order (suspended)  - £583.00

 

In February this year they applied to the courts for a ROG order which was suspended as Chris provided an income & expenditure sheet with proposal to retain the vehicle as it was necessary to travel nationally in connection with a new job, at that time.

Payments were agreed of £450.00 per month on 28th.

 

The first month was pro-rata because he joined the company part way throught the month, but the agents acting for MotoNovo said he had got to make up the shortfall over the coming months therefore Payments made were as follows:

6th Mar - £100.00

18th Mar - £525.00 - Chris advised his GM was terminally ill, so reduced his hours at work/unpaid leave/increased travelling costs couldn't make April's pyt

15th May - £525.00

10th Jun - £450.00 - Chris's GM passed away.

21st Jun - £75.00

28th Jul - £450.00 

2nd Aug - £75.00 

 

- Agents called 31st July to repossess the vehicle and managed to liaise with the solicitors who confirmed that all they required was £75.00 to prevent repo.

However, they called again on 8th August to repossess the vehicle unless £525.00 was paid.

 

Got in touch with solicitors who agreed to move forward with pyts of £500 per month for 12 months, then further pyts of £450.00.

As it was their solicitors error between internal communications should Chris be responsible for the £330.00 repo charge?

28th Aug - £500.00

 

The current balance as at today is £6843.82 (with the exception of £330.00 repo charge and £583.00 court charges)

 

Now, other developments have occured in Chris's life which looks like he will be banned from driving soon but wants to keep the car as his GF is hoping to pass her driving test and will use the vehicle (but I need to look into the legalities on that, but not to confuse this post that can wait for now) Chris wants to retain the vehicle.

 

What I thought was, if Chris were to get this back into court to request a variation order how long would the process take and would he still have to maintain the repayments at the current rate until the court hearing date?

 

Which form should he complete on the Gov website? N245 or N244?  

I'm confused because I do not know the difference between them! 

 

Chris is trying to retain the vehicle and repay on lower instalments based on his new circumstances, but ensure that the repayment term does not exceed the original end date, be able to pay whatever fine is likely to be imposed from any potential ban so that when his ban is over, it will assist his budgeting for the inevitable increased insurance premiums.

 

Then, my next question is: If Chris is banned from driving and the vehicle is not in use, (parked securely on driveway) I know he can SORN the vehicle but what is recommended in respect to the insurance whilst the finance is outstanding? I think I know the answer, but would appreciate your thoughts please.

 

I'm sure this may pop up some other questions but I have provided as much detailed information so that you can offer opinions, guidance, legalities etc.

 

Thank you in advance 

 

 

 

 

 

 

 

 

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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  • dx100uk changed the title to Vehicle finance struggles - MotoNovo
7 hours ago, Shelley181146 said:

1) unpaid direct debits - £5.00

2) default notice fees - £15.00

3) default interest charges - various - ranging from £3.30 - £10.85

4) Legal Charges fee - £488.00

5) Repossession fee - £330.00 (will explain this later on)

6) Judgment for Delivery of Goods order (suspended)  - £583.00

1,2,3,5

are unlawful.

esp the repo fee … As there has been a court order, it would be the job of a court bailiff to collect the vehicle - and that would only happen if he didn't pay the instalments ordered by the court.

 

pretty cheeky to charge 6+4 imho if the judge did not agree them in the ROG suspension outcome?

imho this is not going to end well

 

 

I wonder if a time order might be the best route now.

 

dx

ps sorry I've been busy today...

 

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... 

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Appreciate your time dx, I know your high in demand 😀

 

Chris says that

(6) was stated in the ROG order which is only payable after the full finance figure has been repaid.

(4) he's not sure about will have to look at the agreement and the other charges he will fight for in due course.

 

Something which has come to mind today is that the new arrangement of £500 per month for 12 months, then £450 per month thereafter will end the agreement much earlier than the original finance agreement terms.

If that's the case, surely Chris will be entitled to some sort of rebate because he won't have taken the full term to repay?

 

Looking at a Time Order, this will cost £255 as apposed to the N245 costs of £50.

As the courts are setting dates for Novemebr time, Chris wont be in a financial position to pay £255 and maintain the £500 this month for the arrangement, so then they'll come and try to collect the vehicle again

 

- I know what you mean about not ending well, but as they haven't sent a court appointed bailiff round with a warrant they cannot take the vehicle.

 

The form N245 allows Chris to apply for a variation order and/or suspension of any warrant.

 

dx I'm following this thread 

 and see that they have sent cowboys out to repossess his vehicle. Can you have a look at Anglia Uk please? These are the boys sent out to repossess Chris's vehicle and if they come back I can be ahead of the game, if you don't mind?

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Anglia have never been bailiffs...

cant repo from (parked securely on driveway)

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

2 hours ago, Shelley181146 said:

Something which has come to mind today is that the new arrangement of £500 per month for 12 months, then £450 per month thereafter will end the agreement much earlier than the original finance agreement terms.

If that's the case, surely Chris will be entitled to some sort of rebate because he won't have taken the full term to repay?

 

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

Link to post
Share on other sites

no ..total cost etc is already outlined on the agreement

int is front loaded 

not monthly calc'd

 

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

But the agreement states that if its paid off early there will be a reduction?

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

Link to post
Share on other sites

well that's nice of them , I suppose it could be because they haven't loaned the money from the full term so cant charge the full terms interest.

but it wont be a lot I bet..!

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

Every little bit helps, and better in Chris's pocket than the finance company.

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

Link to post
Share on other sites

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