Jump to content


  • Tweets

  • Posts

    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
  • Our picks

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

hirer purchase £39,950


dotty
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6331 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

I signed up to a hirer purchase agreement. Not Regulated - at that time had no idea what that meant.

Background:

Cost - £29,950

Interest Charged - £10,000

Total £39,950 to pay over 7 years. £470.90 per month

I've had 2 payments added to the back end of the loan & think I have £1000 - £1500 in charges floating about.

I've been told that each day my payment is late I'm incurring a daily charge. Can they take the van back even though I'm paying every month but payments are 10 days late?

Problem:

I can't get from Black Horse a real breakdown of charges, the payments that were put on the back end & these daily charges. I've asked for this detailed information on three occasions but all I get is a list of my payments. Any ideas? Can I demand this information?

Another Problem:

The following comes in to effect from April 2007, meaning, I think, that all agreements are regulated, but I don't clearly understand what I can do with this? I'm really struggling to find out but also wonder if this is not retrospective & is only applicable to new agreements once this chapter comes in to force.

Consumer Credit Act 2006

2006 Chapter 14

2

Removal of financial limits etc.

 

(1) In section 8 of the 1974 Act (which defines consumer credit agreements)-

 

(a) in subsection (1) for "personal" substitute "consumer";

 

(b) subsection (2) shall cease to have effect.

 

(2) In section 15(1) of that Act (which defines consumer hire agreements) paragraph © and the "and" immediately preceding it shall cease to have effect.

 

(3) In section 43(3) of that Act (financial and other limits relating to regulation of advertisements) paragraph (a) and the "or" immediately after it shall cease to have effect.

 

Another Problem:

If I fire off letters demanding info & disputing charges is it likely Black Horse would just come & take the van back?

 

Any advice would be fantastic.

dotty

Link to post
Share on other sites

Yikes! My brain hurts, sorry. I'd like to help but have had a few glasses of wine and am not sure how much use I'd be :p

 

"Not regulated" as I am sure you now know, means that your agreement isn't regulated in terms of the Consumer Credit Act 1974 - I guess in this case, because the amount exceeds the CCA limit? Or possibly, because it's not a consumer contract (I see it relates to a van, so I'm guessing it's for business).

 

If you can wait till over the weekend, I'll try and have a google to see what if any law I can see over taking the van back. Under regulated agreements once you pay a certain amount/for a certain time they can't repossess the goods, but obviously it's different here.

 

And as for the legislation you've found, no generally legislation isn't retrospective in it's effect. I would guess that the piece of legislation referred to will at some point make clear that it refers to agreements entered into after a certain date.

 

MM x

Link to post
Share on other sites

Quote=Dotty/ I've been told that each day my payment is late I'm incurring a daily charge. Can they take the van back even though I'm paying every month but payments are 10 days late?=Quote

 

I'd be surprised if they did take the van back since you are still paying every

month, which is what they want.

 

Can you not ring them and ask to have the payment date put back by 10

days as that fits in better with your cash flow budget and it would save them chasing you every month as well.

Link to post
Share on other sites

Hello

Thank you for your replies. Yes it is unregulated because it exceeds the CCA limit. I'll look at the administration of justice act 1970, thank you.

 

I just don't know where to go with this. I don't want to have the van sold at auction for peanuts (I've been told I'd be lucky to get £12,000 at auction - that Black Horse will just take what they can get) & I'll end up with no van but still owing £20,000!

National Debt Line say that Black Horse will go after me for the remaining balance, will take it through the High Court so thay can add 8% per day. And my only option is to go bankrupt.

 

I REALLY don't want to go bankrupt. I'm trying to sort out my credit & hopefully get a mortgage next year.

 

If I pursue a charges claim with Black Horse will they simply take the van back?

 

Thanks - I'll keep you posted.

dotty

Link to post
Share on other sites

Hi Dotty,

 

They will also add £575 to your account for the privelage of selling it on your behalf, I know it's not much compared to the overall debt, but still something you shouldn't have to pay.

 

Lees.

Link to post
Share on other sites

Hi sequenci - yes there is the option to return the vehicle within the T&C's - but the amount I would get from a sale is far below the amount I owe.

I don't want to owe £20,000 & have no van. I can't believe that other people who have hire purchase agreements over the CCA limit have to go bankrupt.

I'm trying to find out the level of charges Black Horse have put on the account, however, they are extremely reluctant to provide this written data. I'm considering sending a DPA letter but am worried it will simply mean they'll take the van back. I know if they take it (as opposed to me giving it back) I'll incur an additional £1,500 fee.

dotty

Link to post
Share on other sites

Send a sar off to black horse. see what happens. You will need to take a gamble one way or the other. Also if after you have sent off your sar they cause you any problems then you can easily come back to this forum. if you do not do anything now you may be to late.

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...