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    • now owned by Kensington  prime credit 5 was a luvy co. along with alpha credit 5 their uk portal was thru prime credit,  loans were administered on their behalf by Acenden, Acenden are Part of the Kensington Group. ultimately these were mostly all sold to Coast  have a look at post 8 here Trying to find contact details for prime credit 5 S.a.r.l - Welcome Finance - National Consumer Service  
    • Really? I don't think we would have known.
    • matters no they know it early as it twill be a bland generic defence nothing specific. Lowell claimform - old Talk Talk landline/broadband debt - Financial Legal Issues - National Consumer Service    
    • I was due to settle on my new house last Friday , with deposit already paid and mortgage in place. However at the last minute the sellers solicitor has confirmed there was a 2nd mortgage taken out on the property by the previous owner. I therefore can't buy the property until they know the debt was paid. the company was Welcome Finance and the debt was sold to Prime Credit 5 Sarl. No one can find contact information for them to confirm that there is no outstanding amount due. Both my and the sellers solicitors are looking into this but coming up blank so far. can anyone help as we are all ready to move and this has completely set us back. All help and advice very much appreciated.  
    • I wonder how many republican mega farms etc are being raided? (also note the 'slavery option)   US farm workers on Ice raids in the fields: ‘hunted like animals’ | US immigration | The Guardian WWW.THEGUARDIAN.COM In the latest installment of a series on undocumented workers, farm workers explain how fear has ripped through their communities after raids  
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hello everyone,

I’m currently facing a challenging situation with Copart UK and would appreciate any advice or insights from the group.

 

Background:

I purchased a vehicle (2007 Coach Genius caravan) through Copart’s auction.

Upon collecting the vehicle, I discovered several undisclosed issues: significant structural flaws (including a major crack above the towing hitch), flood damage indicated by the softness of the floor, and a missing refrigerator which was not advertised as such. These conditions rendered the vehicle unfit for the purposes I bought it for. So...I DENIED collection.

In the auction listing, Copart described the 2007 Coach Genius caravan as having primary front end damage and secondary rear end damage, categorizing it as ‘Category U’ which stands for used and unrecorded.

The description highlighted the visible damages but did not mention the significant structural issues such as the major crack above the towing hitch or the internal issues like the dampness and missing refrigerator.

Issue:

I reached out to Copart via email to address the significant misrepresentations, they only offered to sell the Caravan on my behalf. 

I filed a claim against Copart through the Online Civil Money Claims service, arguing that the vehicle was significantly misrepresented. However, Copart responded outside of the claims portal via email, asserting that:

The vehicle was sold “as is,” which is typical in their terms and conditions.

They act only as agents, not as sellers, and thus do not hold liability.

As a trade member, it was my responsibility to inspect the vehicle before purchase.

Copart insists that their terms absolve them of any liability regarding the vehicle’s condition, citing clauses from their terms and conditions that emphasize the vehicle was auctioned in an “as is where is” condition.

Complication:

In addition to rejecting my refund request, Copart has started charging daily storage fees for the vehicle and has initiated an abandonment process, adding further financial burdens.

Request for Advice:

Has anyone here dealt with similar issues with Copart or another auction house?

How did you navigate the dispute resolution process, particularly when dealing with terms and conditions like these?

Any legal insights or suggestions on how to proceed with my claim would be greatly appreciated.

Thank you all in advance for your help and guidance!

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  • dx100uk changed the title to COPART Auction - Court Action Raised - MISREPENTATION OF A CARAVAN 
16 minutes ago, Coachman2007 said:

As a trade member, it was my responsibility to inspect the vehicle before purchase.

are you a registered trader?

thread title updated.

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The Copart account is made under a small car rental company, owned by myself and a friend. (only bought 2 cars in 2 years of having the account and every time  we've been ripped off, don't know why I thought it would be different this time) 

However, the payment for the caravan is been made from my misses HSBC account as we were planning on using the caravan over summer and have a good time.

BIG Fail

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  • dx100uk changed the title to COPART Auction (B2B sale)- Court Action Raised - MISREPENTATION OF A CARAVAN

sorry ....

you then have a very very small chance of success.

you would need to have specifically set out your claim under contract law, (as consumer rights won't/can't help here)

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I understand my options may be limited now, but I would like to explore possible actions. I paid GBP 4,150 for a caravan, expecting it to be in excellent condition based on the description. However, the caravan I received is worth, at most, GBP 100 due to significant undisclosed issues.

 

Additionally, I have been invoiced for storage fees totaling GBP 414. Furthermore, I have been informed that the caravan has been considered abandoned and is no longer my property, with plans for its disposal already in motion.

 

This situation has not only led to a financial loss of GBP 4,564 but also disrupted my plans for the summer, as I am unable to allocate another GBP 4,000-5,000 for a replacement caravan. Have I irretrievably lost all my funds due to this transaction?

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he Misrepresentation Act

The Misrepresentation Act is perhaps more appropriate when speaking about used cars, mainly where a seller provides false or misleading information about a used car, influencing the buyer’s decision to purchase. The Act provides an additional layer of protection to consumers whom other consumer protection laws or acts might not cover by allowing them to seek remedies when a seller’s statements or representations have misled them. The Act similarly applies to private sellers, trade and auction houses. However, it’s essential to note that pursuing remedies under the Misrepresentation Act might involve legal processes and challenges, so seeking legal advice is recommended to understand the specific circumstances and options available:

  • Fraudulent Misrepresentation: If a seller knowingly provides false information about a used car with the intent to deceive a buyer, it is considered fraudulent misrepresentation. In such cases, the buyer may have the right to cancel the contract and potentially claim damages to recover any losses from the deception.
  • Negligent Misrepresentation: If a seller carelessly makes a false statement about a used car without taking proper care to ensure its accuracy, it is considered negligent misrepresentation. In this case, the buyer may be able to claim damages to cover any financial losses resulting from relying on the false information.
  • Innocent Misrepresentation: If a seller innocently provides false information about a used car, genuinely believing it to be true, it is considered innocent misrepresentation. Even though the seller didn’t act with dishonest intent, the buyer might still have the right to cancel the contract if the misrepresentation influenced their decision to buy

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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