Handing my car back

standupguy

cyril82 wrote: »

oh my......You are going to claim "specialist insider knowledge" when i have used documentation from THE O.F.T, CAB, and THE consumer Credit Act, to prove my point, while dis-proving your own??

Perhaps you do have "insider knowledge" from working in the industry, but what you demonstrate by spewing it all over this thread is those inside the industry know more about how to interpret the law to suit their own needs than they do about how the law actually applies to them.

Not to mention your demonstration that those working within the industry seem to think they regulate the O.F.T and that the consumer credit act is there to be ignored as they see fit.

• You claimed (as did brock...same person??) that credit agreement by omission meant unsecured...i disagree and also provide O.F.T documentation that supports my objection and states "credit agreements" can be secured.

Therefore i agree, let the people reading this draw their own conclusions on what advice to take...my humble advise based on consumer experience, both first hand and in my professional life, which is supported by O.F.T and CAB and Consumer credit Act documentation within this thread..or the arrogant and pompous advice from brock and standupguy, rammed down the throats of other posters here with no more supporting text that the sickening mutual self appreciation of two very arrogant people who share a love of preaching information in forums peppered with insults and patronisation with scant regard for whether or not the information they are giving is actually correct...

Note to brock & standupguy:- if you disagree with my last claim that you have scant regard for whether or not your information is correct, please see previous posts in which, not me, but the wording of the O.F.T, CAB, and consumer credit act, proves you were wrong. I will not reply to you merely to reiterate this point...it's written for all to see.

Whatever you say Cyril

Get a life!

:rotfl::rotfl::rotfl:

cyril82

cureforsanity wrote: »

Okey dokey chaps, just got back from th local CAB who were charming but unfortunately ineffectual as advised by Brock and others but no matter, one step at a time!!

Anyway, I've been in contact with a solicitor who 'specialises in these things' I'll say it like that until I've actually had my free 20 minute consultation with him!

Basically the concensus is that if it IS an HP agreement then we can do a VT on it. If it's NOT then he reckons the agreement hasn't been drawn up properly, so hopefully it'll be a win-win situation!

That will be next week though, so I'm going to enjoy the sunshine (while it lasts!) and bank holiday weekend.

Thanks all so far anyway.

A mixed bag of news there then, but good to see you're not giving up. When i went through the ombudsman to challenge a hp agreement it took 12 months, but i stuck at it and i won. These companies often work on the assumption that if they obstruct you for a week or two you'll give up, and most do...(That of course is my opinion and not a legal argument for those looking to argue)

But what i would do at this point is start the first part of the process myself, rather than instruct a solicitor (although do definitely go to the free consultation to see what he says). Then i would issue a cca request as companies often loose agreements simply by carelessness which makes the agreement unenforceable by law, and they will often loose them on purpose if they know they were not drawn up correctly as if they know they are going to lose they would rather lose by default than by conviction.

If you cca them and they don't comply, they can not enforce the agreement and then you have the option of how to proceed, to pay or not to pay? i'm not going to advise either way as it will open up a whole moral debate and i think this thread has seen enough arguing.

But good luck and keep us posted.

cyril82

standupguy wrote: »

Whatever you say Cyril

Get a life!

:rotfl::rotfl::rotfl:

two quotes staight from the vicky pollard phrase book.....nice :rotfl: