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    • OK, thanks, I won't wait for them. On a side note, some of the posts on here are a bit frustrating, I read through five pages or so of someone going through the court process rooting for them as I'm reading, then nothing, not heard of again. Left here wondering what the outcome was, lol!
    • Hello Caggers,   I've been trying for years to get an old EE account wiped off my credit file. It was opened in 2013 and almost immediately defaulted but was shown as "Payment Arrangement" ever since. I contacted EE by telephone in 2022 and was advised it had not been wiped because there was still £69 owing, I paid it and thought it would correct once the CRA's updated their reporting cycle. However, it has still not been removed. I made a formal complaint on 27/03/2024 and have had contact with the executive team who advised that  "EE account ......... has now been deleted from the Credit File as it failed to close as it was reporting the payment arrangement set up despite, as advised this failing which should have resulted in a further default showing.  Please be advised the deletions we have completed take 24 hours to update if a paid service is used to view the Credit File. If the customer uses one of the free services to view the Credit File, the recordings update in 24 hours but the changes can take up to 30 days to be visible on a new copy of the Credit File. I have requested compensation and been advised by EE that another team are looking into this. That was almost 2 weeks ago and there has been no contact since, despite me chasing it. I do not want to go to court and would rather settle this amicably. However,I have been advised that I might have a claim for aggravated damages due to the length of time the incorrect reporting has been on my file and the fact that I told EE about this issue and paid the demanded outstanding amount of £69 almost 18 months ago. Should I just wait for EE to reply or should I start building my case against them? Is their statement admissible as evidence of their blame or do I need to dig a bit more? I made a DSAR which was initially rejected as having no data found yet. I trawled my e-mails from 2013 and found the account number and mobile number, I'm now awaiting the result of my 2nd attempt at DSAR. I have very little in the way of proof of actual loss except a mortgage refusal e-mail from HBOS in 2015. I have also had high interest loans and credit over the last 10 years but again cannot directly attribute this to this one specific error. There were other items on my credit file that could also have contributed to a low credit score too and I'm not out to cash in on anything. I want to make sure I don't end up shooting myself in the foot for any obvious reason and would appreciate any help from anyone who has had similar experience with breaches of DPA.
    • Noted. Keep an eye on the other threads here including the update a few hours back by Rob Carr.
    • dont need statements. nor std info sheets. EVERTHING else  dx
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    • 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.

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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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UNPLANNED O/D FEES HELP(I'm from poland)


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I was in Poland recently and how I came back found letters from Lloyds TSB that they counted up me punishment. But I now that this punishmant is counted up when I have overdraf but may account balance he was positive, +few pound and the same day I paid in money and buy something on Ebay. But now (today) I checked my statement and I see that first I paid in money next bank he took 75Ł(unplanned o/d fees) but in the same day i buy and first check how much money I have. and I see now that bank he took me cash but transaction purshase she was realized 2 days later.I dont know what I must do now because I had not overdraf and I do not it intention to pay. What I can make because I do not want to have problems. I ask to write comprehensibly because I find more topic about this problem but I don't understand all. I think that this is different case because I had not overdraf:o

 

Thanks a lot

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Your case is no different to others. The bank have taken out charges on the day you deposited money to purchase goods from e-bay which will result in further charges.

The best plan for you would be to contact the bank and ask for the charges to be returned as when you bought the product from e-bay you made sure funds were available. Did the bank notify you in writing that the charges were to come out of your account on that day?

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He sended information that (You asked us to make a number of payments for you on 5th march 2008.we wanted to let you know that unfortunetly there was enough money in your accountto cover all of them.we have provided you with an unplanned overdraft to cover the payments we made) but why bank he took me 75Ł in the same day when I paid in cash in my account but i had money it was not debt.And when Paypal system he took mpney from my account (5th march) I had not already enough money.Bank sended me second message(letter)it seems me that reprimand.I think that bank he should to take this money when I would have debt but I had not. :confused:

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Really sorry but I cant quite understand exactly whats happened here but I would advise you to contact your bank and discuss this with them at the branch if possible, they have the ability to refund those charges.

 

 

If im right in reading this you are saying on the 5th March you paid in cash to cover these payments yet the bank are saying there was insufficient funds available and provided you with a temp overdraft then charged you £75 for it.

 

If so do you still have the payment slip when you deposited cash in that day, if so take this with you when you go to the bank.

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This is my statement ....look

 

 

Date Payment type Details Paid out Paid in Balance

 

14feb DEB Asda 1.40 3.20

 

25feb DEB Asda 1.38 1.91

 

3mar DEB payment 140

 

3mar CHG Unplanned 75.00 66.91

 

5mar DEB paypal 139.83 72.92DR

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In january a had 2 pound debt because i buy something but I did't know how much money I have. Sended me information about this debt and I paid in 30Ł and they returned me these 2Ł and Ihad balance 28Ł.Possible that about this.If so what I can make:(

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I go to the bank tomorrow but whot I mus to take with me(what documents)

whether I have to take with me confirmation purchace on ebay and that paymant in paypal?I have yet payment slip but what have payment slip when I deposited cash in that day?because I don"t understand all?

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Hi again. I was there yesterday and they said that me this annul but I have yet debt.I have go there once again? maybe I don't know mayby a bit this lasts? If I make a mistake ....improvements me. Thanks a lot for your help.

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