Hi thanks for the replies

yes I'm still a director

no default on the account

first document was sent by email when the account was opened

second document just appeared on the portal

emails have been sent for some of the increases

there's no actual signature on the documents just a printed name but i don't remember going online to sign an e-sign thing 

first document.pdf second document.pdf

Thanks for you rapid response. i'm not sure what you mean when you say "I would certainly want to stop discovering how I could withdraw from the guarantee."

The balance is nearly £35k

Yes they have increased the limit without requests from us

Thanks..T

Good morning

I wonder if some one could offer some advice in respect of a PG i provided as a director 5 years ago in relation to a company credit card.

The initial credit limit was £2500 but has grown to nearly £35k

No issues with it currently i'm just being prepared as stupidly it never occurred to me.

If someone can help i'll upload the document

many thanks...T

I just wanted to update this thread...its been a long time!

I submitted an SAR and the content I got back was unbelievable and quite shocking!

Internal emails with very derogatory remarks about the account holders financial position and the passing of a relative.

lots of admissions regarding coercive and intimidation behaviour by the firms agents and in particular lots of references to fees being applied to the account.

I proceeded to put questions to them and ask for information in relation to the fees.

To cut a long story. They have refused to provide further information but have wiped the debt which was several £k. which is , to my mind,  an indication that they are in water they don't like.

I am not happy to let this go as I feel they need holding to account and i want to know how much in fees they have added.

Who do i complain to? The FCA?  they referred me to the CSA but I doubt they'll have any teeth

Thanks in advance...Tim 

Its actually really reliable! I love it. I don't really know any Scom riders who've had loads of issues apart from the early speedo/fork issues.

I'm more miffed about the lack of support for the brand, don't see why i should shoulder the hassle.  i don't need advice on the scoot i was looking to clarify the legal position. And everyone has been most helpful

Rally going scooterist, several Lambretta's, Vespas and a Scomadi

Thank you for the responses.

My last payment of a three year agreement is next month.

My thoughts are that if i cant repair in the future it its not fit for purpose. and it has no value as there's no dealer service history and no one will purchase a machine that has no available parts

Thanks.

The problem:

The manufacture no longer have  a UK importer or dealer service network. Parts are also impossible to source.  So I'm thinking in the future its going to be be useless.

Close Brothers are trying to treat it as if its got specific faults, which is of course irrelevant.

To my mind No dealers, No parts = No use going forward

Thanks

I purchased a new Scomadi moter scooter in 2019 with a hire purchase agreement from Close Brothers.

Due to a long court case with another manufacturer Scomadi no longer have a 

uk dealer network. You can also not source any parts.

As i cant get it serviced by a main dealer or repaired if it breaks do i have a claim against the finance company

Kindest regards

Purchase price £19.5k

Mercedes GLA Night Edition

The closest i can find in terms of spec is a Premium Plus although the advertised touch screen would have been a very expansive optional extra

Year older P Plus model without touch screen £23k

Even if the contract was made at the point of collection the advert had been withdrawn so no reference was available. don't know if that's relevant.

I will also rely on the 1999 act.

The car purchase is nothing to do with business and I'm a building contractor

thanks. 

Hi

Mediation did not resolve the issue. 

Should i join Santandar as a co-defendant before it goes to a hearing or would it be a new claim?

Thanks

Yes thats a really good angle. I have a car dealer friend who also advised the same course of action.

Thank you you've been very helpful

t

It was always refundable.

I think the third party rights and the fact it was partly funded by a part exchange is enough 

If its struck out I'll go to Santander

t

Yes it was refunded. Although I struggled to get it off them.

They didn't get me to sign a crucial document in respect of the finance agreement. They insisted I sign it retrospectively before they re-funded, I refused until they'd refunded.  They eventfully refunded me and i still haven't signed it.

Thanks again..your advice in respect of "rights of third parties" is really relevant and helpful

T

Thank you for your helpful reply.

Yes I'm claiming the difference between the specification of the advertised car and the specification of the actual car.

I paid a reservation fee to take it off sale

They actually admit to most of the points raised in respect to the missing features.

I'm quite happy purchasing vehicles long distance. I procure several vans a year for my business along with Cars and Scooters for personal use.  My personal car is always new, but thanks for your concern

204MC001-claim-form-claimant-copy1.pdf 204MC001-claim-response.pdf

Thank you for your response.

Reeds Auto

Santandar

Docs uploaded

T

Hi  I bought a used car from a dealer that wasn't as described.  Long story short I've issued a claim against them with is going to mediation soon.

The car was funded half part exchange and half finance.  

I know with hire purchase, it is the finance provider, rather than the dealer, who is legally responsible if there are problems with the car and they are trying to get the case thrown out based on this...but there was a part ex involved.  Does that make them responsible?

Thnk you for any help

t

That advice is all good.  Thanks for everyone's help.

its appreciated 

Thanks for responses.

The post thats been deleted was posted before the post requesting bullet points. I was deliberately vague on the type of debt it was. However a utility company is not a service provider

The answer provided in respect of the income form is great.

The only question i have now is if its reasonable to request  breakdown of how the debt has been calculated and any contract hey may have been in place.

Thanks again 

Thanks for your response

Emergency vet bill. I don't think they've bought the debt judging by the way they word the letters

Value is about 2k, Paid online monthly. 

Original arrangement was set up over the phone a couple of years ago. They call every month and refuse to drop the payment to a reasonable, affordable amount.

No problem filling out an income and expenditure form i just don't think asking form evidence is reasonable.

Thanks again.

Its just come to my attention that a friend has been getting pressure from a company called ACT credit management.

They are collecting a debt on behalf of a service provider.  My friend has been pressured to pay far more than they can afford and I've suggested that they request an income and expenditure form.

This has been sent but insists on evidence for all about goings. Bank statements etc. Can they legally insist on this evidence.

I'd also like to know if it reasonable to request details of the debt. it wasn't  credit agreement it was for an essential service that should have been paid when the invoice was presented. I'm not convinced that the original cost was fair. 

Thanks in advance