I have just had a visit from a Bailiff without 7 days notice of visit. I did not open the door and spoke to him via a closed window. The debt is from 2011 and is council tax, Despite several attempts to set up a payment arrangement with the council it has come to this. My question is, the car I drive is registered to my mother in law at my current address (she lives elsewhere) and this is because she paid for the car and until we have paid her back its in her name. Is the bailiff allowed to take this car even with proof of the logbook saying it is in her name? Thanks

Hi guys, My partner had a motorbike with Close motor finance, has sold his bike now and with agreement with Close is paying the rest via instalments. He has paid a large sum off, and only has a small amount which is being made via monthly payments. We received a surprise letter today in the post from Creditlink Account Recovery Solutions, however we have had no mention of this from Close etc. And judging by the way the letter is written, I call a load of BS. But i'd like to get a second opinion on it. The letter says - - ___________________________________________________________________________________ CONFIRMED RESIDENT Dear Sir/Madam, Having conducted preliminary searches our tracing division have confirmed your residency at the above address. Therefore we are left with the only possible conclusion in that you are choosing to ignore our clients repeated requests for payment. To avoid any further action being taken against you, please contact us to arrange settlement of the above balance within 10 days from the post date. We want to assist you in bringing this matter to conclusion, so please contact us on 0844 8800 880 to discuss the option available to you. Do not simply ignore this letter, as further action will be taken. Yours Sincerely, Nathan OReilly Recovery Specialist ____________________________________________________________________________________ Now as you wonderful people have taught me, I will NOT be contacting them at all, agreed? Thanks in advance for your help

Hi, I was wondering if someone could answer my question please I am banging my head against a brick wall with the pond life @ Rossendales! My partner and I have some outstanding debit for CT which has been passed over to Rossendales. The big half wit bailiff at Rossendales has decided to put a notice of intent to take away/tow away our cars against the debt. Both cars are Company cars and not owned by us but by our employers! Rossendales have told me that I need to provide, from my employers, a V5, Insurance Cert and Bill of Sale to prove the car belongs to my employer and not I! Not only would it be highly embarrassing to ask for this from my employers it also seems a little O.T.T when they could do a simple DVLA check! Can anyone tell me what I REALLY need to do to get this sorted? Thanks Me P.S we are currently paying the CT back in installments with the C.

Hi all I purchased a used BMW from a local used car forecourt in October 2010. I p/x'd an Audi and paid the remainder in cash. In January the vehicle was clamped by a baliff for outstanding parking fines commited by the previous owner. The baliff released the clamp after i showed him my proof of ownership, V5 and insurance. However, as i was about to drive away, he shouted out, 'the car has come up as wanted for outstanding finance'. I drove away thinking what a load of rubbish! But when i got home i thought, let me conduct a full RAC HPI check, which i did and to my surprise, the vehicle does have outstanding finance. When i purchased the vehicle, i bought it in good faith from a car forecourt not expecting the vehicle to have any dodgy story behind it. I did conduct a HPI at the time, however, it was a text you back service which revealed limited data, those £4.99 checks. Since finding out the background of the vehicle via the latter conducted RAC HPI check, i have tried to contact the car forecourt only to find they have ceased to trade. The chap who was the trader is no where to be seen. The site is empty. I contacted the finance company, 'Blackhorse' and they insist the vehicle belongs to them. Blackhorse have sent me a questionnaire to complete but i am very afraid of the fact that they now know my details, my address and will come and recover the vehicle. This has left me very depressed. Will i lose this vehicle and the money i paid for it?? Do i have any grounds as to claim the vehicle as i cant claim from a trader that no longer trades or can be located? Do these questionnaires actually make any difference or are they a ploy to extract my details for the point of recovery for the finance company? Somebody please help. Thank you for your time

Hi Took out a car loan with British credit trust in 2007,this was arranged by Net cars ltd(formerly net vehicles solutions ltd. The vehicle loan is now paid in full since 2011. At beginning of 2013 I instructed a ppi claim company to deal with(Don't do it) I called them several days ago and got a letter in post saying they are unable to continue my claim as the FSCS have stated that Net cars ltd were no regulated at the point of sale. Any ideas where I go from here,will I still be able to make any time of claim. Thanks in advance. WK

Hi All I just made this account to shout out to all that I can about a company in Coventry called (Longford Cars). also uses the name barbar cars and a few others im sure, I took my 04 plate Focus in to trade for a Y Reg Ford Mondeo. Little did I know but the car that was sold to me was not safe for the road WHAT SO EVER!.... First off it runs on 3 cylinders most of the time This alone makes the car impossible to drive!.... the front left strut has gone, all the Doors lock on there own when they want and will not open until it wants to, sometimes takes half a day to unlock... my wife could not get out the car! had to climb over to the drivers seat!!... if we had a crash?????..... Engine light came on the day I got it, Drivers seat is stuck in the fully raised position and will not budge... makes alarming noise from steering rack when turning.. tail pipe blowing.. the list is endless!. I rang the guy (Gurdip Virdi) and he told me to bring the car back for him to look.. so I did last sunday. and he was not there... just a bald guy and a pakistan mechanic who spoke 100 mph I was taken to some dodgy site where he stores he's cars.. I was not allowed to drive myself I was told I had to get in one of there cars?????..anyhow I was taken and shown a MGF a car with rust and a tear in the roof. the intakes had just been welded on with no paint so from the look of that it had water left inside for yrs.... Oh and he couldn't get it to start..lol!!! after that I was made to wait in the rain while he tried to get a old Volvo started.. after 45 - 60 mins of trying and being soaking WET! he got it started and then crashed it into a merc... at this point I could not believe my eyes..!! I was then told to go home and wait... someone will contact me Wednesday but all I got was Nothing!. so called him last night and he said " sorri m8 go back in the morning and he will sort you out ". So I went today and the same 2 guys was on site, looked at my car. took it for a run and agreed it has problems but was then told to " F*ck off and don't come back you brought it sold as seen so its not our problem get lost "....??.. I was upset by this so again I called Gurdip Virdi on he's mobile number he re responded " you piece of Sh*t you are full of crap. you lie and your a waste of time, your a looser and at the bottem end that will never mount to anything If you call again we will TURN UP AT YOUR HOUSE!!!!!!!!!!!!!"... there was other words said but I don't rly need to say it all.. Now this is a Warning to anyone who tries to buy a car from this guy.... he is also on ebay as barbarcars Longford cars and other names after looking online.... Wish I would of done this sooner!!!.. I will contact Vosa in the morning and get them check the car over. Trading Standards and other regulators , media ect will be informed.. This guy needs to be Shut down!.

Hi Is it ok for private vehicles to use on street loading bays when loading large boxes in & out of a shop approx 25 feet away ? ...there is no other parking available within a sensible distance. I just got a terrible load of verbal from a taxi driver who said its only for commercial vehicles. If it was ok for me to load/unload from a private vehicle ..his abuse was so intense I would like to complain to the local taxi licensing officer about his behaviour. Thanks Roy

Hi everyone, I was hoping someone could offer me some advice. Background info: Signed up to a 4 month only contract with my partner on the same day and time at our local FF gym. We were told that at the end of the 4 months the contract would come to an end UNLESS we asked for it to continue. Roughly a month before our contracts were due to end my partner got a letter from FF saying that his contract was due to end and if he would like to continue to phone them up and let them know, so I thought the same would happen with me. Well I never received such a letter but as we had signed up for the same thing with the same person, surely there would be no problems and mine would end. At the end of the contracts his came to end without a problem, for me however it did not. I cancelled my DD a day or so after the last payment was due, all paid up nothing owed. The next month I start getting text messages and phone calls from FF saying I owe money. I phoned the customer service number provided, to be met with some thick individual who is blatantly reading from a script who can not answer a simple question. After a while of going in circles I can feel myself ready to scream and swear at this person, which I know is not going to help the situation, so I instruct him to cancel my contract there and then as they hadn't cancelled it at the end of 4 months and I refuse to pay for their staffs mistakes/incompetence (take your pick) and to put it in writing my contract is cancelled and hang up. I never received anything in writing, kept getting text messages, so I emailed their customer service, never heard back. Then start getting texts and calls from CARS, well I refuse to pay for something that isn't my fault so go to my citizens advise bureau, who have written to FF and are waiting for a reply. In the meantime I have since received a letter from CARS "demanding" payment or they will take me to court. When I signed up to FF I told them verbally and on their medical conditions forms I had some medical conditions so to factor that into exercise regimes etc, neither my partner or myself were ever shown how to use the equipment safely, we weren't made to feel welcome, which is a part of their contract to the customer. What I would like to know is 1 - will CARS actually take me to court? 2 - does FF have any case against me. I am worried these gits are going to ruin my credit rating which will cause me trouble in the future. Oh also FF sent me a customer rating email to let them know how well they did..... burst out laughing at their stupidity, I don't expect to ever from them about my complaints. Thank you

my daughter paid £200 on a debit card for a £200 car for my grandson for christmas. it failed after 2 months and ride on cars said it was needing a new motor which they eventually sent. it did not fit and they said they would send another. eventually it seemed a new lead was needed. after waiting for her husband to comehome and fit it, it still does not work. the company refuse to do anything about it unless my daughter pays to return the car. having checked courier companies that seems to be costing a fortune as the car is enormous..it seems they have a 7 day return warranty. is there anything she can do? i have read reviews about cars being returned to them and never being seen again.

I have just taken my car into Richmond Hyundai Portsmouth to have it checked as the clutch had FAILED. The car has covered 18,000 miles, is in daily gentle use and has NEVER shown the slightest sign of clutch wear whatsoever, no slipping clutch, no change in clutch pedal travel, no baulking gear changes, nothing. The car has FHSH and had just been into Richmond Hyundai Portsmouth, for a full service not 6 weeks and less than 1000 miles before and there was no mention of clutch issues, because there weren't any. The service manager at Richmond, then told me that the reason the clutch wouldn't engage was that the clutch had "welded" itself to the pressure plate with rust, and asked whether the car had been left for several weeks parked in a flood! Of course I explained that it had never been parked in a flood and the car is in daily use, which I can happily prove with our CCTV. He then asked me whether the car had been driven through any water? Well, as I live in the UK which has just had the wettest April for 100 years, I would have to admit that yes, it has been driven through puddles. This apparently, may be the cause!!!! I may not be an automotive engineer but, in my humble opinion if the Hyundai i30 is supposed to be driven only in dry conditions, then I would suggest that it should only be sold in particularly arid countries and certainly not in the UK which is quite prone to rain. Richmond Hyundai told me that this is not going to be covered by warranty as the clutch is showing wear and therefore cannot be a warranty claim. The clutch is showing wear? I'm sure all clutches that have been installed in a car will show wear if the car has been used at all, it is a part that is designed to wear. This is nothing to do with clutch wear, it is to do with the clutch FAILING due to a design fault or manufacturing defect, or is it normal for the clutch to “weld” itself to the pressure plate with rust? So, Richmond Hyundai want me to pay £630.00 to repair this failure, which I absolutely refuse to do. They asked me to authorise them to put the car back together, so that this cost can then be fully incurred. I will not. If this is how they treat customers, when their clutch fails due to being rusted to the pressure plate, even though it is only 3 years old, done 18,000 miles, is in daily use and has never been in a flood, then I will be obliged to take whatever action necessary to get this resolved satisfactorily and to inform other Hyundai customers and potential customers of A. this "dry use only" clutch problem and B. The way Richmond Hyundai and Hyundai UK deal with issues like this. I will also take this to the Trading Standards and if necessary to court as I absolutely refuse, on principal, to pay for what is obviously either a design fault, manufacturing defect or downright shoddy manufacturing or materials. I have spoken to Hyundai UK’s customer care department and after speaking to Richmond Hyundai Portsmouth, they have also refused a warranty claim.

Hi all, Been contacted by C.A.R.S (Creditlink Account Recovery Solutions - nice name for Swiftcover's debt recovery!). Here's a scan of their letter. Now in their letter, they claim that I owe £72.37 - the swiftcover debt was £52! No mention in their letter of charges, nor have I been informed of any charges added. Not only that, in the email Swiftcover sent me, they said their debt recover company "Regal Credit" would be contacting me ... not even the same company! Also, can they "threaten" me with a collection agent to make a visit to my premises, I was under the impression only court appointed bailiffs (after court action) can only visit your home? Any how, any advice or suggestions as to what is best now, as I said I've not been informed of any charges and this is definitely higher than the original Swiftcover debt. Thanks, Jason

This is a re-post, as I'm having no response from the forum I first posted into. Apologies. I'm gutted. I bought a Disco 2 from a trader 6 weeks ago. Last week I started hearing a loud clicking from the engine and I took it into a reputable Landy garage. They've told me that "someone" has recently worked on the engine to "fix it up" and my crankshaft is completely knackered. They say a new engine is required. This is the advertisement which OFT have obtained from Autotrader: -->13th June: Car advertised in Autotrader as the following: 2001 LAND ROVER DISCOVERY 2.5 Td5 S 5 Seat 5dr Diesel Sw 95,000 miles, excellent condition one owner since new, full service history long mot till may 2012 immaculate bonatti metallic, 1st genuine caller will buy for only £3995, a series 2 landrover discovery td5 for only £3995, this is giveaway price, some old mark 1 discoverys are still comanding £3000, this is a 51 plate series 2 td5 for only £3995, grab this bargain, was £4995, must go this week, be prepared for this winter, be quick, no offers. £3,995 No offers. Tel: 07842 XXXX Telephone Number: 0784XXXXXX When I bought the car, the trader had me sign the usual disclaimer "I understand that this is a used car and accept that it may have faults" etc. Here are the terms printed on the sales invoice: 1. I have been given full opportunity to inspect the vehicle and accept its condition. 2. I am fully aware that this is a used vehicle therefore may have faults. 3. I am fully aware and agree that this vehicle is being sold on the condition that there is no warranty/guarantee been implied or given to me. 4. I agree to purchase this vehicle on the condition that it is to be used for any spares or repairs required to make it roadworthy. 5. I am fully aware that this vehicle should not be used on a public road until it has been made roadworthy and complies with all current road traffic acts and that the responsibility for making the vehicle roadworthy rests with myself. 6. By signing I agree to the above conditions. Point 4 above doesn't even make grammatical sense?? The following is my own document of what has happened so far: 16th June: Car purchased, cash for £3,995 after test drive and drive by seller. Inspection made by me - found welds in chassis at rear and medium rust on chassis throughout. 19th July: Loud clattering noise heard while driving (all speeds) Oil noticed on tarmac under car. Immediately took car to a reputable 4x4 specialist in Larbert. Car now not driven since. 25th July: 2pm Contacted Consumer Direct to inform them of my situation. CD advise to have an independent report made by specialist to clarify fault/s and send letter to Mr XXXXX asking for refund or repair (include copy of report) 25th July: 4x4 specialist verbally reports major faults with crankshaft and cylinders. Not repairable and recommends a new engine is required. Say engine has been "worked on" recently. I am awaiting the written report from them. Cost circa £2,000+ 25th July: 11.00am Contact Dealer Billy Findlay via phone to explain that I didn't think the car was "fit for purpose" and he responded by saying that he is covered by the clause (that I signed) saying the vehicle was sold as "spares and repairs" My next move is to get the written report and send it recorded delivery to the seller asking for Repair or Refund and if it is ignored, try the Small Claims court... Do I have any comeback at all? I'm wondering if the Sale of Goods act applies here, as not fit for purpose? Or misleading advertising? I have had many people offering differing advice, varying from "you don't have a chance" to "you have a good case for redress" Many thanks in advance. D

Hoping someone can offer some advice on what I should do about a problem I have after buying a used car on ebay. I had been looking for some time at MG Midget classic cars and finally found what seemed like an absolute gem on ebay. The ad stated car was in exceptional condition, and the pictures of it seemed to verify this. I emailed the seller and asked if the vehicle had any problems that he knew about, mechanically, rust, bubbling. He replied the car was perfect, a top end example of the MG midget. As the car was 190 miles away and had a new MOT on it which was 7 weeks I made him an offer for it to which he accepted. We arranged a collection for the following week. Upon seeing the car it looked in very good condition. I'm no expert with cars, but all seemed in order. I took it for a short drive, and it seemed okay, although I noticed the brakes were not great and the steering seemed a bit wayward, but he assured me that as it's an old car, there was no ABS or Power steering on it and old cars drove that way. It seemed to make sense. We exchanged the documents and I paid him the ageed cash. I drove the car back to my home town but became very concerned about the way it was driving on the journey home. A few times on the motorway, I almost lost control of it because the steering was awful, and I was having to virtually jump on the brakes to get the car to stop, so the next day I took the vehicle to a independent registered classic car specialist and paid him £50 to give it a good over. His report back was that the car was dangerous to drive. The brakes were in very bad condition, the steering was faulty and there was excessive corrosion beneath the pristine paint work. The list of problems was quite extensive, and in his opinion should never of been given the 7 week old MOT it had. THe repair bill for the car would run into thousands of pounds. I then contacted the seller with this information to which he stated that the car was old and I couldnt expect it to be perfect and that he doubts the car as deterioted that much since its MOT 7 weeks previosuly. My complaint is that the vehicle was not as advertised and that the seller was aware of this as I have since found advisory notes in the paperwork he gave me that the garage who MOT'd the car advised him that the front sills on both sides had corrosion, track rod ends were worn, brake pipes had corrosion on them and that the car was leaking oil. Refer to the advert description it clearly says the car is exceptional. He even emailed me through ebay with the following ""the MG is a good honest car with no faults to my knowledge and I have had her for 9 years... you have bought yourself one of the best and I hope you will be as happy with her as I have been. No rust, bubbles, scratches etc and all mechanics are in 1st class order....she pulls like a good 'un and does not feel 33 at all"" I have written proof from the garage that MOtd the vehicle that he was aware of the problems and chose not to mention them. The vehicle, which although looks great is actually a death trap with lots of hidden corrosion and rust. The seller is now arguing that I should,nt expect a perfect car for £2300. If it was perfect It would be worth 2 times what I paid. Not what he was saying in his advert and his communications with me. Now I know I should of been more careful when parting with my money, but Have I got a case that he knowingly misled me? Also, he stated that since the MOT he had not driven the car. If that is the case then the MOT should never of been granted for this car. The brakes are in dangerous condition to the point where the independent specialists advised me not to drive it. I have contacted Ebay and they have basically said cars aren't covered by there guarantee.

Hello All !! new to this, but really could do with some help / advise. My partner had a minor car accident back in March.... the police attended and asked her to produce her license. Some weeks before the accident, she had sent her license off to the DVLA for a change of address, and had not received it back at the time of the accident. So she called them to see where it was. The DVLA told her they had not received her license in the post, and moreover, they did not have records of ever issuing one to her. DVLA confirmed she passed her test in 2006, but they dont have records of her applying for, and then issuing the full license...... subsequently, her provisional which she passed on has expired. Therefore, in October, her insurance company revoked her insurance, She's been to court and charged with driving without a license, 6 points and a fine, and DVLA are saying she has to retake her test. On top of that, I am really concerned that the insurance company will come after us for the costs of her accident in March, as (According to DLVA), she was diving without a full license, and therefore, the insurance would be void !! She has never had an accident before, no speeding ticket, no producer....... so no-one has a copy of the license and she did not make a copy before sending it off to the DVLA!!! I am continuing to write letters of complaint to DVLA and been in touch with my MP on the matter, but it this doesn't work, where to i go for here ? Do i keep on fighting them, or give up, and accept the possibility of a) Paying for additional Test b) Paying £4k+ each year for insuring her (coz she now has 6 Points on her license) c) Possibly pay £10k+ for her accident We have family and friends (all who are professionals) who can vouch that they have psychically seen her license at some point over the past 4years, including me, but just because DVLA computer says "no", its could ruin us financially. Thanks for reading this.........any advise welcomed

Hello there, This is my first time posting so please bear with me. Basically, on the 14th January this year i made the unfortunate decision to become a member of Fitness First. To cut a long story short, after a few months I realised what a crappy environment it was and decided to get outside more. So.. I wrote a letter of cancellation and just cut my direct debit off. A little while letter the letters started. I ignored them. Turns out now that i signed a 12 month contract and i owe CARS £313. I sent them the attached letter (which i took from a suggestion of another member on a different thread) and have now received one back with a copy of my contract attached and further demands for my money. Ok, here are my issues as i obviously dont want to pay this back. 1) The contract was never explained to me in the first place. I know its he says/she says but the sales guy literally just said "yeah mate just sign this for the direct debit and I'll get your free gifts sorted". He was clearly rushing me and i just went ahead and did as he said. 2) Fair enough i was fooled into getting into a contract but surely they cant be charging me for a years worth of service they're not even going to provide me with? - For one, i was promised 2 free personal trainer sessions and that they would contact me about them after joining. Funnily enough they never did this. I really dont want to pay this bill on principle. If i have to i will offer the lowest repayment possible but i want to fight these con-merchants all the way. Advice for the next steps for me to take from some of you wiser people would be most appreciated. Thanks! P.s. They seem to have totally skipped over the point that i wrote a cancellation letter in the first place. I didnt get proof of postage so can i assume they 'misplaced' it? cars.doc