Thanks all- I had pretty much gathered all of that. I just can’t get my head around the grey zone.

So I want the car, I sign the order form (thanking my lucky stars I’ve chosen Lingscars.com who don’t now sting me for a deposit) which tells me I will be liable for Lings costs if I flounce.

Why does anyone deserve a cooling off period to sidestep these costs???? The car isn’t mine yet so a cooling off period for that can’t exist, the finance isn’t finalised yet so a cooling off period for that can’t exist.
How can this cooling off loophole apply??

Confused from Berkshire

It’s my argument that it doesn’t.

But there is a cooling of period on the car finance, as stated.

– Ling

geordiemick00 – Member

Ling, can you please tell me what your complaints process is?? TS have just rang me giving me advice on the what to do now and your all linging all dancing website doesn’t (conveniently) seem to have any sort of complaint procedure whatsoever…

Are Trading Standards aware that you are *NOT* my customer?

If a customer contacts me as I state in my T&Cs I will deal with them.

But YOU? How can I deal with you? It would be a data-breach of the first order (as you point out again and again), as my customer is Simon, not you.

You still seem to be giving the impression you are the customer.

WRONG.

– Ling

crosshair – Member
So you get the finance approved in theory, then get the order form signed so you can get a VRN to then enable the finance to be finalised. Is that right?

Finance is approved in practice, the credit line is approved and opened for an amount that represents the car OTR value, just need to get the car details (VIN, reg, etc). There is a time limit, maybe a 3-month window. The approval shows on the credit record of the customer.

Then, when the car arrives, or if already in UK, when a reg is allocated, the fin docs are raised with the car details/reg on, and sent to the customer for signing at a distance. Customer returns with all proofs. So distance selling rule applies. When the period expires, the car is delivered.

Hope that helps. :)

– Ling

giantalkali – Member

Other companies worked differently, hence the vast variations in rates

Yeah, my rates are cheap, hence the finance hurdles are high. Really, customers can be KBd for tiny stuff, a single miniscule late payment will do it.

Here’s a good example of a FAIL

– Ling

aracer – Member

Don’t try and play the sympathy card with us – they can’t lock you up for that just fine you, so you can just treat it as more free publicity.

I’m feeling lucky, punk.

– Ling

outofbreath – Member

Ling:
Criminal: Failed to have cancellation rights in the T&Cs
Moral: Unenforcable clause in lease agreement, said online she was going to chase the OP for 500 notes which she almost certainaly isn’t.

OP/OP BiL:
Criminal: Conspiracy to commit fraud.
Moral: Signed up to an agreement and failed to follow it through.

Poopscoop:
Blameless due to his total disinterest in this thread.

Will you all come and visit me in prison? Bring cake. Lots of cake.

“Cake” is not a euphemism for anything.

Poopscoop is waiting to run me over with his mum’s wheelchair again.

– Ling

crosshair – Member

Thanks Ling.
So is there any legal AND successful way that Mick could have secured finance on this car even with Simon agreeing to do it in his name?

I’m not an underwriter, but my experience is that when you have to start a story, it ends there. Maybe giantalkali – Member is better experienced to answer, but it’s hard for us all without Mick’s credit app details, and every time the OP discusses his status/backstory, it changes. Job/no job, etc.

I think Nancy Reagan was correct: Just say no, kids.

(I will say that my customer “Simon” aka the BIL… seemed, and was extremely credit-worthy, for the avoidance of doubt.)

– Ling

aracer – Member

ling’s racehorse got drugs tested after the finish and disqualified – who’s looking clever now?

HOW DARE YOU! I insist you retract that horse scenario.

It is very rich to suggest doping, on a cycle forum.

I supply free mirrors, upon request.

– Ling

crosshair – Member

So Mick should have applied for the finance with Simon as a guarantor right??

Perhaps that would have been more honest, yes. But IMHO would have been declined, as Mick was out of work (I think), even though he implied to me he was in work. Whatever… it’s very unusual.

Basically, my view is that if you need a guarantor, then you shouldn’t have the car (either affordability, credit score or employment-related). It’s Jackanory time. If there is a story, then the underwriter loses interest very fast. And to choose a top-range £30k+ Skoda in that case where affordability is in question? The underwriter would need to be on drugs. Usually, they are quite sharp.

– Ling

I did remember to pull the pin? Didn’t I?

– Ling

Channel 4 talked about “finance spiralling out of control” in a report in July 2017, featuring Bank of England Govenor Mark Carney, and me (on my Triumph Bonneville).

My high quality regular prime customers are not the problem, the issue comes when rules are broken and finance is dished out like confetti to people who don’t qualify from it.

The Finance and Leasing Association bloke with the beard, at the end, nails it. It has to be responsible. Like me.

Rather proves my point!

Thanks to Jon Snow and Jackie Long.

– Ling

Who can I hit, today?

Please line up in an orderly manner. Poop first.

I am so evil for trying to reclaim some costs on this fraudulent finance. How else do I pay for my vehicle fleet, if I’m subsidising dodgy customer car orders?

– Ling

“Slap”

– Ling

To me, this is offensive:

“I am a full time carer for a Mother with vascular dementia.”

Poop

How can you possibly drag your poorly mother into an argument that you are self-creating with me (and most others it seems) on here? If the info about your mother is correct, it’s a really bad thing to wheel/drag her onto this forum to reinforce your personality disorder. Bad son. Bad, bad son.

I’m sure it’s tough. But not tough enough to weapon-ise your sick mother on a cycling forum as some kind of mentally disturbed excuse for your bitterness and ranting. Next, you’ll have her posting a comment to justify your petty rants.

You are sick.

Go away, no one here wants to listen to you, dragging your poor mum into this good-natured conversation.

– Ling

Jamie – Member
<I’m not a bad person, please don’t hate me. I have cats to feed.>
I didn’t hate you till I read you were a cat person.

Also have a General Purpose dog:

– Ling

Poopscoop – Member

That £100 you’ve donated is just a payment for the publicity (good or bad) you’ve generated from this site. Nothing more.

Nonsense. The only people earning from this thread, are this website’s owners, who must be wetting themselves at the views/pages/ads served. The massively aggressive advertising on this site is horrendous, I’m unsure how people put up with it.

I don’t carry any advertisements on my own website, so I’m unsure how it works, except it involves a direct debit at some stage.

So stop your wittering.

You are a very bitter person.

– Ling

Probably my imagination, but every time I reload the page, I get an immigration law firm advert. Hmmm.

And when I load it, it’s in CHINESE!

Are the ads related to profile, on this forum?

– Ling

tjagain – Member
agreed with me that actually she settles out of court usually

Don’t push it :)

I don’t *usually* settle, but, like any sensible person… if I’m on a sticky wicket I will be pragmatic.

The law allows for that eventuality, luckily.

I’m not a bad person, please don’t hate me. I have cats to feed.

– Ling

scotroutes – Member
Congratulations Ling. You’ve passed the audition as STWs North-eastern far-eastern xenophobe. You’re certainly a lot more entertaining than the current one. I’ll be putting your name forward at the next moderators prayer meeting.

Except what to do with my Kalkhoff bikes? “Chinese bikes for Chinese people” and then I turn up on a German-brand? Impossible.

– Ling

Poopscoop – Member
andyrm – Member
You’re an utter and appallingly foul mouthed, HYPOCRITE.

Really, you have a problem Poop.

Who allows you to post here?

Please be quiet.

– Ling

funkmasterp – Member
You offered a badger in an earlier post. Can I have a badger?

I was trying to get Pooperscooper to apply for one so he would catch bovine TB, but he was away and missed it.

Now, everyone will want one.

– Ling

Poopscoop – Member

Don’t you love it when some idiot re-posts a really long post from 16 pages ago?

Poop, get your hand in your pocket. £100 is the going rate, I think.

– Ling

brant – Member
You mistook the video, hosted on LingCars own Youtube account as a genuine interview on a genuine programme?

Yes, he did. I wasn’t going to put him out of his misery, because he’s already ranted about it eight times and probably forwarded it to Trading Standards in Gateshead, who frankly need a laugh.

What a nutcase he is :)

The Kempt video is “evidence”. Apparently.

– Ling

giantalkali – Member
boblo – Member

there’s more of you to fund the noirthern one.

Ling can i have a badge for my donation?

To be honest ANYONE can have a badge :)

But, who woke pooper scooper up? It was lovely without him.

– Ling

Geordiedick00

Read my lips…

YOU ARE NOT AND NEVER WERE MY CUSTOMER. You were the 3rd party in the accommodation deal.

Which bit of that do you need me to repeat? Therefore I can’t *POSSIBLY* discuss such sensitive information with YOU. …as the Information Commissioner will tell you, too.

– Ling

Oh no,

The Information Commissioner. He’s extremely worried.

He’s just been on the phone. I referred him to my privacy policy.

– Ling

Geordiedick00 and me are trying to beat each other up, here, and you lot of self-centred cyclists are ignoring us and fighting between yourselves!!

Well, WE WON’T HAVE IT!

Me and Geordiedick INSIST you pay attention! Or else…

– Ling

geordiemick00 – Member

It’s not their fight to have.

It’s not your fight to have, either. You are not the customer, you’re a 3rd party who tried to wing a new car on a dodgy finance application, in the name of my customer = Mr Simon.

geordiemick00 – Member

Maybe that’s where i’ve gone wrong?

Don’t feel unloved.

Don’t worry, after I’ve finished calming my local Trading Standards and the FSA down, you will have lots of time to appeal the markers the fin co might just apply to your credit file and Mr S, for the accommodation deal attempt.

– Ling

geordiemick00 – Member

For some….

It won’t mean the failings found during it will go away.

Sssssh, Geordiemick00.

They’re fighting between themselves again.

– Ling

Oh, come on.

Isn’t anyone going to rise to Geordiedick00 ???

– Ling

Jakester – Member
outofbreath – Member

I’m not aware of it being a criminal offence, but that’s because I’m not a criminal lawyer.

Best I can find is the powers of the regulator conferred under Schedule 3 to seek an order that a business’s T&C are non-compliant.

Para-legal.

Pssshhht.

– Ling

Well, you all seem full of hot air.

Stuff the air-ambulance, eh?

…and I made sure my donation was to be used solely on cyclists, too.

– Ling

tomhoward – Member
Ok Ling, I’ve just donated £100 to the Air Ambulance, now it’s your turn
Have you got ID? You know, as proof?

Yes. HERE

Now your turn… :)

wwaswas – Member
Ok I will offer £1000 if you say you are wrong

I am wrong.

– Ling

Here we go, yes I hijacjked the Helicopter.

But anyone else could have donated, too? … you just didn’t, did you?

– Ling

Is *EVERYONE* here so spitty and tight as these 2 above?

I’ve offered £100, if a few others joined in, and the OP, it would be great. What’s wrong with everyone?

– Ling

outofbreath – Member
If you agreed to match what everybody else was pledging combined then you might almost look generous.
You’d also look generous if you agreed to match what everybody else was pledging combined. Will you be doing so? I may contribute if you agreed to that.

REPEAT: For a second there I thought this was more about helping the Air Ambulance, rather than financially crippling ME.

– Ling

aracer – Member
If you agreed to match what everybody else was pledging combined then you might almost look generous.

I may contribute if you agreed to that.

For a second there I thought this was more about helping the Air Ambulance, rather than financially crippling ME.

– Ling

tjagain – Member
“always win my court cases” usually means ” settles anything dodgy outside of court”

Correct! At last someone figures out a sensible summary of the situation.

I’d agree with that post!

– Ling

jimw – Member
Since she has been able to use stealth ads here and also seems very pleased that this site has generated extra revenues through click bait perhaps she should consider donating some of the profit from this to, say, the local Air Ambulance?

Just to show what a nice person she really is

In fact, Jim, I’d be happy that *everyone* who has taken part and enjoyed the entertainment donates.

I’d offer £100, if matched by a generous number of posters here, and also the OP, Geordiedick00.

I don’t include the real customer, as the real customer hasn’t made a single post here.

If a significant number of people pledge £100, I will also contribute that amount. The total WOULD BUY A NEW BLOODY HELICOPTER, if everyone dug deep.

Nearly everyone here is a solicitor or a barrister or high-court judge, so there is no question you lot can’t afford £100 each!

– Ling