VAT exemption when exporting new vehicles to the EU
One of our clients sold a high value vehicle on which the customer
claimed a £40,000 VAT exemption. The customer introduced a financial
intermediary into the equation and they duly set up a deal with a
European Finance House and arranged for the vehicle to be exported. Some months later, our client becomes the subject of HMRC enquiries.
Read more
“I hear you’ve been in an accident”
Just where do those annoying cold callers get details about accidents we have had in our cars? For many, the answer will be from Mustafa Kasim who worked for accident repair firm Nationwide Accident Repair Services (NARS).
Read more
'Secondhand car salesman' used as insult
An interesting decision has come out of the Employment Appeal Tribunal in regard to workplace banter. In
this case Evans, a sales representative, put in a claim against his
employer Xactly Corporation Limited for discrimination on the grounds of
disability, victimisation and harassment after he was dismissed for
poor performance. He had tried to negotiate a £78,000 settlement
Read more
Claim companies target PCP and GAP
As predicted, we are now starting to see claim companies pop
up to deal with ‘mis-selling’ of PCP and Gap Insurance.
Read more
Happy Birthday Consumer Rights Act
The Consumer Rights Act 2015 is 3 years old this week. In our experience, the CRA has worked quite well for car dealers despite
anomalies such as the ‘one repair rule’. This one repair rule is fine
for less complex items but for modern day used cars, it is really not
fit for purpose as sometimes we need to complete repairs by process of
elimination and sometimes, two things will go wrong in relatively quick
succession for no particular reason.
Read more
FCA Regulated firms and the new SMCR
The new rules follow the recommendation by the Parliamentary Commission
on Banking Standards (PCBS) that the FCA develop a new accountability
system to avoid a repeat of the 2007/8 financial crisis. Essentially it
replaces the approved persons regime and is therefore relevant to all
dealers offering finance and puts more accountability on a wider range
of people within organisations.
Read more
30 Day Right To Reject Reminder
We have had a few calls of late from dealers who are of the belief that a
refund has to be given in the first 30 days if there is a fault. This is not necessarily the case.
Read more
GDPR, DPA it's all about the data
As predicted, we are all still alive and kicking despite some of the
horror scaremongering by some quarters in the lead up to GDPR. In
all the GDPR headlines, it may have escaped the notice of some that the
UK got its own updated Data Protection Act 2018 (DPA), also implemented
in May.
Read more
BT falls foul of data protection rules
BT is the latest organisation to fall foul of data protection rules. On 20 June 2018, the ICO fined BT £77,000 under section 55A of the Data Protection Act 1998.
Read more
County Court Judgments (CCJs)
CCJs can cause havoc with your credit record and so your ability to obtain loans. These
can be avoided by winning in court but, if you find yourself on the
losing end of a claim or having a default judgment issued against you as
you failed to respond to a claim, you can still avoid having a CCJ on
your credit record.
Read more
GDPR and service history
Finally the noise around GDPR has quietened down and most of us can get
back to business safe in the knowledge that we are GDPR compliant.
However, we have already seen our first complaint and request for
compensation from a customer who has complained that someone saw their
personal data on a screen in a dealership. No doubt other speculative
letters and claims for compensation will follow.
Read more
GDPR – Legitimate Interest is your friend
We are pleased to note that the ICO have now produced a document which
confirms what we at Lawgistics have been saying for many months and that
is that legitimate interest is a business friendly ground for
processing data.
Read more
GDPR - Confused about consent
People, and indeed other legal advisors, still seem a bit confused about
consent, so here are some bullet points to put right some of the myths
out there:
Read more
GDPR – Privacy Notices for Employers
GDPR arrives with us on 25 May 2018. We have already given lots of
practical advice for dealing with consumer data but businesses must not
forget about employee data.
Read more
GDPR - Do you need to register with the ICO?
These Regulations set out the fee which businesses have to pay to
the Information Commissioners Office (ICO) when registering as a Data
Controller. You are a Data Controller if you have customers and/or staff
as you will be processing personal data. Failure to register and pay
the relevant fee is likely to result in a fine of £4350.
Read more
GDPR and telephone calls
I understand I can’t send an email asking people to consent to further
marketing emails, as that email itself will be considered as marketing,
but can I call these people to get consent?
Read more
I am a sole trader working from home, how do I prepare for GDPR?
As we move closer to the implementation of The General Data Protection Regulations (GDPR) in May this year, we are receiving an avalanche of calls to our legal helpline from anxious members, who have been affected by 'panic stations marketing' campaigns in and around GDPR. We have therefore decided to publish some of the most common questions we receive with our answers.
Read more
Email marketing when your consent is not up to GDPR standards
We are advising our members on the standard they must achieve if they
wish to rely on consent as their lawful basis for utilising personal
data for direct marketing purposes. Direct marketing being defined in
the current Data Protection Act as
“the communication (by whatever means) of any advertising or marketing
material which is directed to particular individuals”.
Read more
GDPR - consent must not be hidden in your terms
If you have collected names and email addresses over the years by
putting a box on your sales invoice which requires a customer to tick if
they do not want to be on your emailing list, you will almost certainly
find this to be a breach of the GDPR. Why? Because the criteria for
consent has changed.
Read more
GDPR - you need to undertake an information audit
In just over 4 months, your business will need to be GDPR compliant. No ifs, no buts, no maybes. We
await the UK’s own new Data Protection Act 2018 which is still being
debated over in the House of Lords. This new Act will consolidate and
add to your responsibilities which are already set out in the European
GDPR and so whatever the UK Act says, you still need to be GDPR
compliant as of 25 May 2018.
Read more
GEM warranties - A cautionary tale
According to Companies House, GEM was set up in February 2015 by Spencer
Allen who described himself as the Managing Director. In August 2015,
Spencer Allen was joined by Spencer Martin. However, Spencer Martin’s
Directorship was relatively short lived and it was terminated in
November 2016.
Read more
Start thinking about how you might breach the GDPR
Breaches by individuals can attract not just fines but criminal
convictions as we saw recently when a recruitment manager who sent out
26 CVs to an external recruitment agency without consent from the data
subjects was prosecuted at Birmingham magistrates court under Section
55 of the Data Protection Act. He pleaded guilty and picked up a £994
fine (including costs and a victim surcharge).
Read more
More fines from the ICO for data breaches
Hot on the heels of the fine for Honda after they emailed customers
asking if they would consent to further marketing messages, the price
comparison site Moneysupermarket is issued an £80,000 fine for beaching
the same Privacy and Electronic Communications Regulations (PECR).
Read more
Chasing a debt
If you are chasing money owed by a customer, including a sole trader but
not a company, you have to follow the new rules before issuing a court
claim for the sums owed.
Read more
Banter, alcohol and a bit of wishful thinking does not a contract make.
In short, the two were drinking in a London pub with 3 others who
were being courted to become Sports Direct’s new Corporate Brokers. In
between the banter re the fortunes of Mr Ashley’s Newcastle United, Mr
Ashley apparently told Mr Blue he would pay him £15 million if he could
get Sports Direct’s share price up from £4 to £8 per share. It seems Mr
Blue went home and told his wife of the deal as around a year later, Mr
Blue’s wife sent him a text saying “bingo is our nameo!!!" in relation
to the shares hitting the magic £8. However, Mr & Mrs Blue’s payday
was not to be and so off to court they went.
Read more
Does the Government owe YOU?
Are you a business waiting for payment of some of the £26.3 billion of
the outstanding debt owed to SMEs (small medium enterprises)? As of December 2016, it was reported that UK small and medium sized businesses were owed £26.3 billion in late payments.
Read more
Can I dismiss an employee with a disability?
We often receive calls from clients who are nervous about dismissing an
underperforming employee who has a disability. This is understandable as
there is substantial legislation which provides specific protection to
employees with disabilities.
Read more
PCP excess mileage complaint to the FOS and the importance of due diligence
In this month’s Ombudsman News, the FOS reported on a case whereby a
customer complained about the excess mileage charge at the end of her
PCP deal.
Read more
GDPR + The Data Protection Bill
The GDPR were put together by the EU. Like all members of the EU,
the UK have to implement the GDPR by May 2018. On 7 August 2017, the UK
Government confirmed they are now working on a UK version of the GDPR
which will have wider powers and will take over from the Data Protection
Act.
Read more
Suddenly everyone is talking about the GDPR but what is it?
The General Data Protection Regulations (GDPR) is an EU piece of Law
(2016/679) with which all UK businesses will need to comply from May
2018. It sets out how businesses need to deal with the processing of
personal data. It’s not totally new as the principles of its predecessor
(EU Directive 95/46/EC) were introduced in the UK back in the 90s in
the form of the Data Protection Act 1998.
Read more
More Employment Tribunal claims coming your way?
Last month the Supreme Court ruled that the fees payable by disgruntled
employees who wanted to make a claim at an Employment Tribunal (ET) were
unlawful. Fees of up to £1200 have been payable since 2013 but in a
judgment following a case brought by UNISON, these fees are no more.
Read more
Does your customer know who they are dealing with?
If you have set your business up as a Limited Company, doubtless you
will know that one of the advantages is not being personally liable for
financial losses if things go horribly wrong (unless there is an element
of fraud).
Read more
Are you ready for the GDPR?
The GDPR is the General Data Protection Regulation which is an EU piece
of law which will essentially enhance your responsibilities in regard to
data protection. Regardless of Brexit, this new law will come into
place in the UK in May 2018 and now is not too soon to start thinking
about how it will affect you and your business.
Read more
Alternative Dispute Resolution (ADR) - yeh or neh?
We regularly receive calls and emails from dealers who have been told
they must participate in ADR. Often the dealers will receive a letter
from one of the many ADR providers offering their services for a fee.
Understandably dealers are miffed at having to pay a fee to negotiate
with a consumer when a) they are car dealers and negotiate for a living
and b) by the time mediation is offered, the dealer has already made
their position clear to the consumer and so they do not want to waste
more time in fruitless discussion.
Read more
Another court win against a consumer with unrealistic expectations of a used car
One of our clients found themselves dealing with a rather persistent
consumer whose list of alleged issues kept on growing. Despite disputing
the issues, the client took a commercial decision to offer a refund
just to draw a line under the matter as it was clear this was a consumer
who was not going to go away. However, the consumer did not want to
return their lovely 10 year old convertible BMW, they wanted money and
so many backs and forths later, they issued a claim against our client
for over £7200 – £700 more than the sale price.
Read more
Is PCP the new PPI
For 10 years now, PCP has been the most utilised form of car finance by
value. This has been good news for new car sales but financial
regulators are now getting jittery about the entire thing as they also
are about the numerous long term 0% credit card deals which just keep on
coming. The fear of course is that people are borrowing beyond their
means as credit seems to be back in the pre 2008 ‘easy to get’
territory, and we all know where that and sub-prime lending landed the
economy.
Read more
Post brexit legislation changes
For many years now, the UK has been subject to EU law about all manner
of things including the notorious bendy bananas. How will 'Brexit'
affect you and your business when it comes consumer issues.
Read more
New rules for those chasing bad debts
For many types of court cases, there are certain actions which have to
take place before a claim can be issued. These actions are set out in
the pre action protocols which can be found in the Civil Procedure Rules
(CPR).
Read more
Part 2 in the case of the dealer who bought a car which was not HPI finance clear
Last year we reported on a case where our client was taken to court by a
finance company. Our client had bought a car from a consumer and then
sold it on without realising there was outstanding HP:
Read more
Section 75 slip up by consumer, his solicitors, Santander and their solicitors
One of our clients found themselves on the end of a claim about a faulty
vehicle. The consumer claimed to have paid on a credit card and so
added Santander, as the card issuer, as well as our client on the claim
form. In turn, Santander put in their own claim against our client under
the provisions of Section 75 (2).
Read more
PPI Complaints - the end is not so near
At long last we have been given a date for the cut-off point of PPI claims. However, the date is August 2019. Yes 2019.
Read more
A New Year, a new court victory for a Lawgistics dealer
This was a case in which the consumer had issues with his vehicle. Our
dealer had helped the consumer out on a goodwill basis earlier in the
ownership but the consumer had returned as the warranty company had
deemed the latest issue as one of wear and tear. As an issue of wear and
tear, our dealer had no obligation either but still made a goodwill
gesture in the name of customer service.
Read more
Speeding fines and test drives
We have had a number of clients who have found themselves on the wrong
side of speeding tickets and the like following a test drive by a
customer and/or a test run by one of their own staff.
Read more
The myth of the 3 month engine and gearbox warranty
We still see and hear evidence from across the industry that some
dealers believe that they have to give a 3 month warranty when they sell
a vehicle. To be clear, they don’t.
Read more
Cookies reminder
For anyone using cookies on their website.
Read more
Update on the new online court
Plans are still progressing for the new online court system which the Ministry of Justice hope to be up and running by 2020. The court will deal with cases up to £25,000 on much the same principles as the small claims court
Read more
Business Rates 'Scams'
A number of our dealers have sent us correspondence from a company offering to get their business rates reduced. While
there are cases whereby valuations are wrong and can be reduced, it is
not unheard of for this to be a scam as previously reported by us and
Trading Standards.
Read more
Online Dispute Resolution - ODR
In short, most traders with a website will need to include a link to
the European Online Dispute Resolution scheme which came into being
along with the ADR rules and Regulations. It is designed for EU cross border consumer complaints but can be used by consumers for internal complaints.
Read more
Correction to previous advice from Trading Standards
Further to our story last week we are pleased to note this week that
Buckinghamshire & Surrey Trading Standards have sent out a letter to
correct the mis-information they sent out to traders last week.
Read more
Website design and copyright
For anyone considering getting a new or revamped website, you must
consider issues of copyright and access to the website’s source code
before signing any contract with a designer. If you fail to do this, the
design will be owned by your chosen designer (unless they are an
employee) in their role as its creator and this could cause all sort of
problems further down the line.
Read more
Incorrect advice on ADR from Trading Standards
We have had calls from a number of our dealers who have received a
letter from Buckinghamshire & Surrey Trading Standards who are
clearly on a car dealer initiative at the moment (letters dated 14
October 2016). The letter appears to be generic and sent to many dealers and so you wont necessarily get a visit.
Read more
Happy 1st Birthday to the Consumer Rights Act Part 1
It is now just over a year since the Consumer Rights Act 2015 (CRA) was introduced. There
was much publicity around its introduction and quite rightly so given
it had been nearly 40 years since it predecessor, the much quoted Sale
of Goods Act 1979, became law.
Read more
Happy 1st Birthday to the Consumer Rights Act Part 2
Whilst we at Lawgistics have been successful in helping dealers fight
off consumers with unreasonable expectations since the introduction of
the Consumer Rights Act 2015, we are still seeing a number of cases
whereby finance companies are rolling over to consumer demands in the
expectation that our dealers will reimburse them.
Read more
Another win for a Lawgistics client (and common sense) in court
The consumer ignored our advice, paid out an extra £355 for the hearing
fee and then promptly lost the case. Needless to say our client was very
happy with the outcome as were we as it is further proof that common
sense and proportionality can and do win over unrealistic consumer
demands and expectations.
Read more
Sometimes, even the Financial Ombudsman rules against the consumer
We had a case a while back whereby a customer complained that our dealer
had put their and their son’s life in danger by selling a BMW with run
flat tyres. They took issue with the fact that the vehicle was not
advertised as having run flats – essentially claiming the vehicle was
not as described.
Read more
What will Brexit mean for me as an employer?
As debates around Brexit continue, a number of our clients are asking if
there will be changes to employment law which could affect their
business. The current answer is probably.
Read more
Court wins sometimes come down to a technicality or two
Our dealer purchased the vehicle from a customer who said the vehicle
was clear of finance. Our dealer did run an HPI check but, in error, not
one which documented outstanding finance. The vehicle was sold on to a
customer but some weeks later our dealer was contacted by a finance
company who advised that the vehicle was still on finance and thus was
still owned by them. This of course means the original seller did not
have the right to sell it to us and so in turn our dealer had no right
to sell it to the new customer.
Read more
Another happy dealer after a court win against a consumer
In this matter, the consumer bought a 10 year old BMW 1 series. It had just over 70,000 miles on the clock and he paid £5.5k. The vehicle was purchased pre October 2015 and so the relevant law was the Sale of Goods Act 1979 and not the Consumer Rights Act 2015.
Read more
Terms and Conditions in a Business to Consumer car sale
We get a lot of requests for us to review terms and conditions from
dealers selling cars to the public. However, unlike business to business
transactions - such as agreements with finance companies, terms and
conditions in consumer transactions are not really something to overly
concern yourselves with.
Read more
More Front than a Pirelli Calendar
Fronting is perhaps more commonly associated in the world of
insurance whereby parents name themselves as the main driver of their
teenager’s car in an effort to bring down the now outrageously high cost of
insurance for young drivers
Read more
Another Lawgistics Car Dealer wins in court
From time to time we get dealers call in to say they have not taken the
right money off a client, quite often due to a typo on the invoice. It
happens. In this case, our client had mistakenly put a 5 on the
invoice instead of a 6 and so when the customer came to collect the car,
only £5400 was taken and not £6400.
Read more
Car Finance & Section 75 of the Consumer Credit Act 1974
Hot on the heels of our discussions about the potential negative
implications of contracts between dealers and finance companies, we have
this week seen a finance company try and make a claim against our
client under Section 75 (2) of the Consumer Credit Act.
Read more
More small prints woes
Following on from our
legal update
regarding finance companies trying to legally force dealers to
effectively pay out for any complaint by a consumer, we have been
inundated with calls from concerned dealers. To be clear, not
all finance companies have taken this route. However, our experience is
that finance companies will sometimes roll over too easily on fear of
the customer escalating any complaint to the Financial Ombudsman Service
(FOS).
Read more
Supreme Court sends yet another reminder that Court Orders must be followed
A recent Supreme Court Case saw seven of the very best judges in the
land consider how to deal with a party not complying with a Court Order. A
court will sometimes issue an ‘unless order’. An unless order is just
as it sounds, i.e. unless you do A by a certain date, you will suffer
the consequences.
Read more
Are you in breach of The Consumer Contracts (Information, Cancellation, and Additional Charges) Regulations 2013?
These not so nifty sounding Regulations came into force in June 2014.
However, they were further embedded into the law by the Consumer Rights
Act 2015. They set out what information you are legally required to give
to customers before the customer is bound to make their purchase.
Read more
Coming soon...on-line court for claims up to £25,000
Currently people can issue a claim through the ‘Money Claim Online’
System. If the value of that claim is £10,000 or less (as almost 70% of
all claims are), it will be allocated to the Small Claims Track. Over
£10,000 it will go into either the
Fast or Multi Track.
All three tracks usually end with a court room hearing if they are not
settled along the way. However, plans are afoot for the introduction of a
new on-line court system.
Read more
Denying the customer their consumer rights
The new Consumer Rights Act 2015 has made it clearer as to who
constitutes a consumer and therefore who attracts the full range of
consumer rights. The definition of consumer is:
“an individual acting for purposes that are wholly or mainly outside that individual's trade, business, craft or profession.”
Read more
One month in – The Consumer Rights Act 2015
Following the introduction of the Consumer Rights Act 2015 last month,
we have seen a surge in sales of our PDI pads as dealers have taken on
board our advice to review their pre delivery procedures.
Read more
Useful new FCA guidance on consumer credit applications
Those of our clients who are FCA registered often complain about navigating their way around the GABRIEL system.
Read more
The Financial Ombudsman (FOS) and complaints
We often get calls from car dealers who feel they are being pushed into a
corner by a finance company following a customer complaint. The usual
scenario is that the customer has complained about a fault which the
dealer has not upheld and so the customer has marched off to the finance
company who worry about the complaint being escalated to the FOS.
Read more
On premises sales, off premises sale and distance contracts
Most sales by our dealers will be subject to the ‘on premises’ sales
rules within the Regulations given that an on ‘on premises’ sale is
defined in the Regulations as a contract between a trader and a consumer which is neither a distance contract nor an off premises contract.
Read more
Are you breaching the new rules for FCA Regulated firms?
January and July this year saw two new rules to which any dealer who has a credit licence will need to adhere.
Read more
Refunds under the Consumer Rights Act 2015 - deductions for use by customer
Under the short term right to reject, even if the customer has had the
vehicle for 29 days of the 30 day period, they appear to be entitled to a
full refund.
Read more
County Court Judgments (CCJs)
Figures released on 6 Augusts 2015 by The Registry Trust show a fall in the number of CCJs recorded against businesses.
Read more
The short-term right to reject under the Consumer Rights Act 2015
Who is responsible for returning or collecting a vehicle that has been rejected within the 30 day short-term right to reject period. You the dealer, or the customer?
Read more
New rules mean a customer can reject a car within the first 30 days after purchase
If a consumer complains of a fault with the vehicle in the first 30
days, they will be entitled to bring it back to you for a refund.
They can ask for a repair but they are not obliged to accept a repair
and can simply insist on a refund which you will be legally obliged to
give
Read more
Revving up for October
October 2015 brings the implementation of the Consumer Rights Act 2015
which will become the main piece of legislation on which consumers will
be relying when buying a car.
Read more
The new Alternative Dispute Resolutions (ADR) Rules – date change
The new rules on ADR were due to come in on 9 July 2015 in accordance
with the Alternative Dispute Resolution for Consumer Disputes
Regulations 2015. However, those Regulations were recently amended and
the implementation of the new Rules, in terms of business information
requirements, has been pushed back to October.
Read more
Court cases and cambelts
It could be tricky if you sell a car which is overdue a cam
belt change, you could arguably be found liable for any damage from it
failing, especially if you have advertised the vehicle as having a full
service history or if you claim to have serviced the vehicle ready for
delivery.
Read more
Good preparation is key to winning in court
As soon as a customer issues a court claim against you, you should seek
legal advice. Cases can be won or lost on how well the case is presented
and it is important to have a plan from the start. We regularly help
our members assess the merits of the case against them and will advise
on best and worst case scenarios.
Read more
Watching the Watchdog
Reviews, scams and the Car Dealer Watchdog. It seems that the review site Car Dealer Watchdog is still causing problems for some dealers.
Read more
Section 75 refunds
If a customer uses their credit card to make a payment towards a vehicle
priced between £100 and £30,000, they have the legal right to approach
their credit card company with a complaint about that vehicle
Read more
Bailiff Fees
List of the fees that High Court Enforcement Officers (HCEOs or bailiffs
in the old terminology) can legitimately charge when collecting a debt.
Read more
Enforcement of a County Court Judgment (CCJ)
Our clients can find themselves on both sides of the County Court
Judgment (CCJ) enforcement rules. They may have been to court as the
Claimant, perhaps taking action against a supplier who sold them faulty
goods, or as the Defendant in a case that a customer has bought
regarding a vehicle.
Read more
Good news from the courts for car dealers
As a car dealer being taken to court, you may well feel that you will be
judged before even stepping inside the courtroom when up against a
consumer.
Read more
Cars sold on HP
Many of our dealers sell cars on HP whether that is through themselves
as an authorised FCA broker or via one of the online brokers which
customers can approach direct.
Read more
New Rights for Consumers
On 26 March 2015, the much talked about Consumer Rights Bill finally
completed its long journey backwards and forwards through the Houses of
Commons and Lords to metamorphose into the all singing and all dancing
Consumer Rights Act 2015.
Read more
Keeping consumer issues out of court
Following the introduction of the small claims free mediation service in
April 2013, more measures are on the way to help parties settle their
dispute without the need to argue it out in front of a judge.
Read more
The DVLA and Car Tax
As reported in a previous
update,
some dealers are experiencing problems emanating from the car tax
changes last October whereby some of their customers have recently been
fined as they were unwittingly driving around untaxed following some
early confusion over the new rules.
Read more
The DVLA & Cherished Plates
Many of the issues with cherished plate transfers are not helped by the slow processing times at the DVLA.
Read more
PPI complaints rumble on
complaints against our dealers for the mis-selling of PPI on car finance deals
Read more
Internet Reviews & Scams
In our experience, some review sites are more clued up than others when it comes to their legal responsibilities.
Read more
Changes to bankruptcy and Debt Relief Order rules
The Government have announced that from October 2015, the bankruptcy creditor petition limit will be raised from £750 to £5000.
Read more
Hangovers from last October’s Vehicle Tax Changes
The effects of the above changes are still impacting on our dealers four months into the new system.
Read more
Mediating in small claims - Say yes!
This week saw another of my clients reach a satisfactory outcome at mediation.
Read more
Residential and Commercial Tenancies
According to the Property Data Report 2014 over one half of the UK's commercial property is rented.
Read more
Sale of Goods Act and the ‘6 month rule’
It is not unusual for customers to rock up and demand that our dealers provide a refund or repair for their used car because xy or z has happened in the first 6 months after purchase.
Read more
Negotiating Court fees
As discussed in our court claims article it is cheaper for a money claim to be issued on line through the Money Claim On Line system .
Read more
Some Section 75 good news
My last update discussed payments by credit cards and the extra protection this gives to the consumer.
Read more
Chasing customers and businesses who owe you money
Many of our clients approach us to help them call in debts owed to them be it by customers or other businesses to whom they have supplied goods and services.
Read more
Accepting credit cards for payment and Section 75 refunds
A recent survey by the consumer organisation Which? shows that a quarter of people are unaware of the protection offered to them by Section 75 of the Consumer Credit Act.
Read more
The UKIP Factor - New rules for West Midlands landlords
As this Government tries to win back voters from the UK Independence Party, new rules are being introduced by the Home Office under the Immigration Act 2014.
Read more
Have you seen my catalytic converter?
We have had a few calls of late regarding catalytic converters, specifically missing ones.
Read more
Unfair on Employees? Latest figures from Employment Tribunals
New figures released by HM Courts and Tribunal Service show that claims to Tribunals are down 71% for the quarter April to June 2014
Read more
Renting out properties as an additional source of income
Many of our clients are also Landlords of residential properties.
Read more
Just what is the Golden Rule?
Potential new rules for debt claims in the County Court
The days of filling out forms and queuing at the counter at your local county court to issue a debt claim are long gone.
Read more