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    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
    • Less than 1% of Japan's top companies are led by women despite years of efforts to address the issue.View the full article
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Best way to pay for a car...if getting a personal loan?


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Hi all,

 

Quick question - I know it's frowned upon to pay for a car using bank transfer/cash etc especially when there are issues later on etc. 

In my case, I've always gone on HP Finance and then either paid it off early or got bored and trade in/buy another.

As a result, this HP has effectively protected me indirectly.

 

But if one is to get a personal loan because rates are better than a HP/PCP/Lease, how do you pay for it given the personal loan is essentially just cash or a bank transfer?

 

A credit card could be used but most are not going to have a limit capable of a high priced car.

 

Just curious although I might be in that boat soon after lockdown ends -

 

Thanks all!

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Debit Card or Cheque

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great - so I think maybe the safer option is to suck it up for a bit (Interest) and if you can, also get a HP/PCP/Lease via the dealer.  End of the first month if all is good, pay it off with the loan?

 

thanks for all the replies

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  • 3 weeks later...

Thank you all for your help/advice/responses.

 

I saw the car briefly yesterday - Unfortunately while I test drive cars properly on any normal day, the dealer had a number of covid-era rules and one of them was a max 15 min drive.  From the 15 mins, the car seemed fine and still has 6 months original manufacturing warranty so I'm fairly safe.  Body/interior was also fine - I accepted the car BUT...

 

Today I was told the balance after the part-ex (car) + the £99 deposit (credit card) can only be payable via BACS and not card.  They (Sytner group) have a £2000 limit by chip and pin.  I vaguely remember this with my current car but while they were happy to BACS on the day, Sytner need it 2 days before/latest day before.

 

In response to Homer67 - is this the case?

Am I being silly going for BACS or is this normal practice now?  I doubt Sytner will be folding anytime soon so no real risk of the money going into a dark hole ( I hope)

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no do not use bacs

you have ZERO protection in trying to get it back if things go bad.

 

chip and pin by debit card gives basic protection

much better idea is to transfer the pennies onto your credit card and use that then you have section 75 cover

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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But that's the issue...the max they accept on chip and pin is 2k. This is 19k I need to pay.

 

Its not a small dealership or company either. I rang a few other Sytner dealerships and they confirmed they have a limit of 2k on chip and pin as a total so I can't even do 9x 2k transactions 

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Been reading more into it and have drafted up an email to them to find out more too 

 

1. It seems if I buy online on the Sytner page, I can use debit/credit card

2. I have found on their "charter FAQ" page : Deposits can be paid via both Debit or Credit Cards with balances payable by debit card or bank transfer. (Credit card payment may be limited, if in excess of £2000).  I am questioning this but if right, the best I can do is debit card it seems for £10k as this is Barclays persona account daily limit.

3. I have paid deposit (£99) via credit card, does this allow the entire amount to be covered under Section 75 as per Homer67s response if I pay the rest via debit or bacs?

 

Thanks in advance

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To enjoy the protection offered by s.75 CCA 1974 for a credit card payment, you must pay over £100 and under £30,000 for the goods or service (even if part payment for a larger total amount).

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Brilliant thank you.

So if I pay £2000 on credit card and the remaining 18k via BACs, I'm protected for the full 36k of the invoice price (16k part ex, 2k credit card and 18k bacs) is what I'm reading ?

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I dont want to say yes or no but...  There was a Ruling / Case either with the FOS or Courts where it was upheld in that exact manner

 

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Perfect thank you!

I have just had approval from the dealership they will take the full payment on debit card 

If there is more security given I have paid £99 on credit card, what I will do is pay £2000 on credit card and £18000 on debit card

 

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No idea, they will not budge on the 2k limit on credit card.  I suspect the charges incurred ?

 

Frequently Asked Questions | Sytner Group Limited

How can I pay for my new vehicle?

All of our Centres have dedicated Finance Managers there to assist and advise you on the best way to fund your purchase. Deposits can be paid via both Debit and Credit cards with balances payable by Debit Card or Bank Transfer. (Credit card payments may be limited, if in excess of £2,000 and cash in excess of £5,000). Sytner Group Ltd are Authorised and Regulated by the Financial Conduct Authority.

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Yes, to confirm, you can get full protection under s.75 on the full purchase value up to £30K so long as you pay over £100 by CCard.

 

If you already paid £99 as deposit, you could get s.75 protection on the full £20K by just paying a further £2 by the CCard and the balance by any other means.

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Thanks Slick132, the car is 36k in total with part-ex but still, a loss of 6k is much better than 36k with the use of s.75.

 

Thank you all - long slog to next sat when I pick it up 

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Wow you're right - did more reading this morning and a penny over 30k is no go.

How does the s75a work in this scenario or it doesnt?  Collecting the car tomorrow and suddenly nerves are kicking in with all this lack of protection

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Hi AJ,

 

You still have full protection under Consumer Rights legislation - you just don't have the added protection afforded by s.75 where the card provider is jointly responsible along with the retailer.

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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