Evans Halshawe/Moneybarn - sold unsafe car, won court case, but finance stood, i'm appealing this - need help with N161 by 15th Nov

[dx100uk]

who led you up the path of you'd get consequential damages of +£10k? you won't ever.

i would simply go for getting the agreement voided.

 

dx

[dx100uk]

which is ALL nothing to do with your agreement/relationship with moneybarn, they did not sell you the car.

that would be for you to take the dealer to small claims under separate claim.

if you want to follow that guy later and do that ....well that's your call.

 

your losses are NOT MB's problem hence the judge whom was correct in what he did..(via you misdirected claims), did not concentrate and also void the agreement. the fact MB latterly sold it at action etc etc is none of your business.

 

your only course of action against MB might be to void the agreement - i'm not even sure you could launch a limited appeal to do that.

[dx100uk]

sorry you are wrong on all fronts here.

 

dx

 

 

[dx100uk]

where does anything in the consumer credit act say that under an hp agreement a finance company purchases a vehicle and then resells it to you?

 

the seller , the retailer, evans sold you the vehicle.

 

sorry but for almost 4 years is it? you've been allowed to continue along this path? not once has anyone said... no dice ? that is what forums are for..

you've never actually interacted with any human being thats corrected you at any stage?,

but simply found stuff on the net that you think fits your narrative...and off you trotted..

 

to be blunt .

using your mental health or other issues is yet again, in yet another thread here, is being used here as an EXCUSE for doing thing WRONG when you knew all along you were not right in your actions. 

 

sorry but i don't pull punches...but i hate finance companies and DCA's , but in this instance this might be a hard pill to swallow.... but at some point, once you actually interact with real people, they must bring you the reality of your situation you've led yourself into.

 

i cannot believe that not once has any org, authoritative body or person , has ever said this truth to you...

 

i just can't believe after 4yrs of obviously searching the internet, you not once found information contrary to your actions time and again at each stage. but carried on.........

 

dx

 

[dx100uk]

[dx100uk]

we will say this one more time only.

 

where does anything in the consumer credit act say that under an hp agreement a finance company purchases a vehicle and then resells it to you? it does NOT. neither does a recorded phonecall with MB stating otherwise. they have not a clue ever what they are saying or doing.

 

the seller , the retailer, evans sold you the vehicle. they are your target for everything else but you won't ever get £10k...

 

use your appeal to try to get the hp agreement with moneybarn voided.

 

the end.

 

dx

 

 

[dx100uk]

are not liable... not or liable

 

@Andyorch has already clearly pointed to the relevant section. 

NOT a credit card payment ... so section 75 does not apply 

 

and has quoted the only other relevant section 132 already...

 

 

 

 

[dx100uk]

where does it say they are? it does not.  its an hp agreement .

if it aint in black and white in something dont try and invent poss scenarios whereby it might

a judge has told you no.

the fos told you no.

 

the retailer is your target. under your consumer rights.

but you need to get mb  to cancel the agreement

 

dx

 

[dx100uk]

black and white means something exists or it doesn't.

 

the consumer credit act states what the act covers, not what it doesn't cover, so obviously no-one can quote in black or white where it says you can't claim (+£80k) consequential losses under an HP agreement from the creditor because it doesn't say you can.

 

although we have not seen the FOS decision letter, even if they had had all the info, they would not have adjusted their decision to include your £80k consequential losses. they would have referred you to approach the retailer directly under the consumer rights act 2015.

 

however, they most certainly can make a decision upon if they think the finance org holds some responsibility, which they did, and suitably decided upon that, you refused the decision outright, p'haps wrongly thinking that would be the total end of all you could do in your situation.

 

it erks me this has been going since december 2018, now nearly 4yrs later. things would have been i'm sure so so different if you had come here long, long, long ago and we as a team would have been able to guide you to a better and quicker resolution position than you currently face today.

 

as much as i would love to get one so big over on moneybarn/provident, as you'll see i absolutely loath them with 20yrs history... pers i think i would drop the appeal and start again ....going after the correct target, the retailer using the consumer right act and consumer contract law.

 

and i'm sure the whole site team and members would assist you in the above...i will. you never know, MB might become get damaged in the collateral shrapnel of such a big explosion. evans-halshawe + their other trading names make them a very very big and vulnerable target to hit and rarely have bad press, possibly by design and could settle quickly, but i will also say you might need to reduce your targeted figure.

 

dx