Static caravan mis sold?

Aylesbury_Duck

Andrea365 wrote: »

Hello,
I have also been miss sold a static caravan.
I was told and my contract states the caravan was manufactured in 2009. I purchased in April 2016. I decided to sell, due to job changing and unable to use it as much. It has now been found out the manufacturing year was 2003. I am devastated as it means I have lost a lot of money and not sure what to do next.
It was a private seller, but the sale had to go through the site manager that it is sited on. The contract is with the site

Do some research, find out what the difference in selling price is between a ten year old caravan and a 16 year old of the same type and ask the company for the difference.

lincroft1710

Andrea365 wrote: »

Hello,
I have also been miss sold a static caravan.
I was told and my contract states the caravan was manufactured in 2009. I purchased in April 2016. I decided to sell, due to job changing and unable to use it as much. It has now been found out the manufacturing year was 2003. I am devastated as it means I have lost a lot of money and not sure what to do next.
It was a private seller, but the sale had to go through the site manager that it is sited on. The contract is with the site

How did you discover the year of manufacture was 2003?

static123

Hello i bought a static caravan in 2017 for £45000 my income was less then £25000 ! since then i have sold my house because the payments got too much and we moved into the caravan and also since then i got diagnosed with cancer and myself and my wife have split up in 2020 ! this made me look through the finance paperwork and on this the salesman has put my income down as £75000 ! this information was not on any paperwork i signed ! and also since then in 2019 the salesman handed himself into the police for fraud that hes committed on the site and this is an ongoing case. would i have an argument for miss selling with Barclays. Thank You

lincroft1710

static123 said:

Hello i bought a static caravan in 2017 for £45000 my income was less then £25000 ! since then i have sold my house because the payments got too much and we moved into the caravan and also since then i got diagnosed with cancer and myself and my wife have split up in 2020 ! this made me look through the finance paperwork and on this the salesman has put my income down as £75000 ! this information was not on any paperwork i signed ! and also since then in 2019 the salesman handed himself into the police for fraud that hes committed on the site and this is an ongoing case. would i have an argument for miss selling with Barclays. Thank You

Barclays did not sell you the caravan, they just made the finance available. You should have made sure the payments were affordable before you signed the finance agreement. Common sense should have told you that buying something that cost almost 2 years salary would not be a good move.

Ectophile

static123 said:

Hello i bought a static caravan in 2017 for £45000 my income was less then £25000 ! since then i have sold my house because the payments got too much and we moved into the caravan and also since then i got diagnosed with cancer and myself and my wife have split up in 2020 ! this made me look through the finance paperwork and on this the salesman has put my income down as £75000 ! this information was not on any paperwork i signed ! and also since then in 2019 the salesman handed himself into the police for fraud that hes committed on the site and this is an ongoing case. would i have an argument for miss selling with Barclays. Thank You

It costs nothing to make a complaint.  The complaint would be that the salesman falsified the data used to determine the affordability of the loan, and banks are required to check the affordability of the loan as part of their process.

But what would the outcome be? Do you want them to cancel the finance and take back the caravan, potentially leaving you homeless?

static123

I have the Barclays documentation and it says signed on behalf of Barclays ( which is signed ) and customer signature and date
 ( which is not signed or dated ) i didn't see it and theirs an extra £6K added to the total !

Aylesbury_Duck

As Ectophile asked a few days ago, what outcome do you want from this, because it may determine what advice you get.

born_again

static123 said:

I have the Barclays documentation and it says signed on behalf of Barclays ( which is signed ) and customer signature and date
 ( which is not signed or dated ) i didn't see it and theirs an extra £6K added to the total !

That will be the customer copy, which you do not sign. Finance co is always signed as it will be pre-printed, or done by the rep selling.
£75K could be the bottom part of the 2 missing.
Extra £6K. Could be the interest. Or why the salesman is up on fraud charges.
Why sell house? Caravan would have been a better option.
As others have asked. Just what do you want out of this? As there is a risk of losing everything.

static123

HIya i had to put down a deposit when i bought the static and when i sold my house and moved in the static we bought decking to go around to give us more space ! i would like them to take the static of me and cancel the agreement and also compensate me for the deposit and decking if that was possible.
Thank You 

static123

£75k is what the salesman put as my earnings the interest is stated at £15k on all paperwork except one that shows the finance and the interest and then this £6k that i don't know anything about.