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    • They are very nonsensical aren’t they? As far as I can tell they have no proof of ownership of debt whatsoever - it feels like they’re just hoping I cave in 🙈   I’ll get onto the CRA’s now - thank you 😊 
    • Thanks ...okay well as you are already aware you will get more sense out of your bin than talking to Arrow...so I would now escalate it by informing the Credit Reference agencies and submit a Notice of Correction ( each CRA has its own instruction's on how  to submit) and they will contact Arrow asking for details of the debt....if that fails you can contact the ICO (information Commissioner's Office) and raise a complaint re false data reporting.     See how you get on.
    • I have a sense that you haven't been reading around because if you had been you would have seen lots of draft particulars particulars of claim and lots of explanation about what is necessary. Are you familiar with all the arguments? Are you familiar with all the steps needed to take a small claim in the County Court? Maybe you should hold back for a day or two while you do some serious reading on this forum. We've got all the information here. We got the benefit of the experience of lots of people doing exactly what you are trying to do. If you stop for a moment and do the reading around you will feel very confident and empowered   I'm afraid this also confirms my view that you simply haven't done any reading at all of the sub- forum. This point comes up again and again with Hermes and there is a very simple answer to it which I have repeated in other people's threads so often that I don't think I'm going to go into it again here. Please spend the next day reading and you will soon find the answers to your questions. Once again, it will make you more confident and more empowered
    • Just to clarify, am I on solid ground stating the defendant lost the parcel, when parcel2go are the broker for myhermes and it's parcel2go who I'm challenging?   Thanks. 
    • what angle was the judge looking at re: the 'no stopping'? the fact that no stopping, is not under the RTA, Byelaws, or VCS T&C's...if you get what i mean..which one?   or simply that in whatever world...'stopping' cannot be considered 'parking' 
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Problems with Car purchased from Fast Motor Finance Ltd - and Advantage Finance

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Hi.   Is it these people?   https://www.fastmotorfinance.co.uk/used-cars   HB

Just had a email from the Customer Service Advisor saying that 'When an independent report is completed Advantage Finance are not required to provide the full report to the customer and is provided at

The standard that is expected under the consumer rights act is that the car be of satisfactory quality in the opinion of a reasonable person – this is always taken to mean an ordinary person who doesn

So I see that you are mixing and matching your sources of help. This is really not a good idea and too many cooks spoiling the broth springs to mind.

We are putting in quite a lot of work here try to help you and if you then go ahead and take advice from elsewhere it can put us into difficulty because advice might clash or even conflict.

Of course no problem at all, you using Which or anywhere else – but I think you ought to decide where you are going and stick with it

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Hi BF, I have taken on-board the advice you added and made some changes.


Would it be worth pointing out that they the garage did not responded to our last letter ?



I write in compliance with the practice direction on pre action conduct.

On the 9th September 2020 I entered into an HP agreement with Advantage Finance to purchase a Ford Kuga 2013 registration xxxxxx.
Within less than 2 months and a total 1500 miles the car developed a gearbox problem.
The Manufactures of the vehicle , Ford have confirmed in writing that the gearbox must be serviced every 35k.
The service receipts that were supplied with the car show that the first two services have been correctly carried out but paperwork for the most recent service is missing.
Ford have confirmed that the most recent service was only for the engine and not the gearbox as recommended by them. 
Ford have also confirmed that a failure to service the gearbox correctly at the required internal is likely to produce exactly the kind of failure that we have experienced.

It is clear the vehicle is not of satisfactory quality and that you are in breach of your contractual obligations.

Your breach of contract is a fundamental breach and require the contact to be terminated and we are released from our obligations under it.

Accordingly I require that you make arrangements to collect the vehicle, terminate the finance agreement and to refund all the monies that have been paid under that agreement.

Additionally, in reliance on the contract I have incurred additional losses – in particular the expenses associated with taxing and ensuring the vehicle and I require the reimbursement of these costs which are now wasted.

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No I wouldn't bother

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