Jump to content


  • Tweets

  • Posts

    • No I'm not. Even if I was then comments on this forum wouldn't constitute legal advice in the formal sense. Now you've engaged a lawyer directly can I just make couple of final suggestions? Firstly make sure he is fully aware of the facts. And don't mix and match by taking his advice on one aspect while ploughing your own furrow on others.  Let us know how you get on now you have a solicitor acting for you.
    • Oil and gold prices have jumped, while shares have fallen.View the full article
    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
    • OMG! I Know! .... someone here with a chance to sue Highview for breach of GDPR with a very good chance of winning, I was excited reading it especially after all the work put in by site members and thinking he could hammer them for £££'s and then, the OP disappeared half way through. Although you never know the reason so all I can say is I hope the OP is alive and well regardless. I'd relish the chance to do them for that if they breached my GDPR.
  • Our picks

    • 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
      • 161 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
        • Like

Financial Help


Conniff
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3719 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Financial Help (28)

 

 

  • // 3H Fund
     
     
    3H Fund is a charity that makes it possible for disabled people, children and adults, to have memorable and fulfilling holidays.
     
     
     
     
     
  • // Carers Allowance Unit
     
     
    Information regarding Carer's Allowance, the main state benefit for carers, including eligibility and how to make a claim
     
     
     
     
     
  • // Consumer Focus Energy Price Comparison Tool
     
     
     The Consumer Focus Energy Price Comparison Tool helps you compare gas and electricity prices in your area for all energy suppliers.
     
     
     
     
     
  • // Consumer Focus social tarriff information
     
     
    The Consumer Focus social tarriff information details social tarriffs and products currently on offer from different energy suppliers.
     
     
     
     
     
  • // Disability Contact and Processing Unit
     
     
    Contact the Disability Contact and Processing Unit for further information on road tax exemption if you receive the higher rate of DLA mobility component,
     
     
     
     
     
  • // Disabled Persons Railcard
     
     
    If you have a disability that makes travelling by train difficult you might qualify for the Disabled Persons Railcard.
     
     
     
     
     
  • // EAGA Northern Ireland
     
     
    Energy advice in Northern Ireland
     
     
     
     
     
  • // Energy Saving Scotland
     
     
    The Energy Saving Trust in Scotland provides free, impartial advice on how to reduce your carbon dioxide (CO2) emissions and save money.
     
     
     
     
     
  • // Financial Ombudsman Service
     
     
    The official independent expert in sorting out complaints between consumers and businesses providing financial services. The service is free and can look at complaints about a wide range of financial…
     
     
     
     
     
  • // HM Revenue & Customs
     
     
    Includes information about the UK's customs and tax department. Contact them to find out about becoming an appointee for tax credits if the person you care for is on benefits…
     
     
     
     
     
  • // Meningitis Research Foundation's Disability Rights and Benefits
     
     
    Helps those affected by meningitis and septicaemia by guiding them through the disabilities rights and benefits system.
     
     
     
     
     
  • // National Insurance Enquiry Line
     
     
     
     
     
     
     
     
  • // NI Direct
     
     
    NI Direct is the official government website for Northern Ireland citizens.
     
     
     
     
     
  • // Northern Ireland Housing Executive
     
     
    The Northern Ireland Housing Executive offer a range of services to people living in socially rented, privately rented and owner occupied accommodation. Contact them to find out how to apply…
     
     
     
     
     
  • // Probate and Inheritance Tax helpline
     
     
    The Probate and Inheritance Tax helpline offers the bereaved and personal representatives a single point of contact for information on how to obtain probate or get the help they need…
     
     
     
     
     
  • // The Cinema Exhibitors Card
     
     
    Allows carers free cinema if they are with the person they care for
     
     
     
     
     
  • // The Energy Saving Trust
     
     
    Energy Saving Trust is a non-profit organisation that provides free and impartial advice on how to stop wasting energy.
     
     
     
     
     
  • // The Family Fund
     
     
    The Family Fund helps families with severely disabled or seriously ill children and young people aged 17 and under to have choices and the opportunity to enjoy life.
     
     
     
     
     
  • // The Financial Service Authority
     
     
    As the financial regulator for the UK, we use a wide range of rule-making, investigatory and enforcement powers to fulfil our statutory objectives.
     
     
     
     
     
  • // The Furniture Makers
     
     
    The Furniture Makers, as the British Furniture Industry’s central organisation, charity and patron, is the only charity supporting the furnishing industry. They provide help and support to those in need…
     
     
     
     
     
  • // The Home Heat Helpline
     
     
     The Home Heat Helpline provides advice on benefits, grants for free home insulation and the services that your energy supplier can provide you with if someone in your home…
     
     
     
     
     
  • // The Independent Living Fund
     
     
    The Independent Living Fund (ILF) is dedicated to delivering financial support to disabled people and advancing standards of independent living.
     
     
     
     
     
  • // The National Debt Line
     
     
    Debt advice
     
     
     
     
     
  • // The Pension Advisory Service
     
     
    The Pensions Advisory Service (TPAS) is an independent non-profit organisation that provides free information, advice and guidance on the whole spectrum of pensions, including state, company, personal and stakeholder schemes.
     
     
     
     
     
  • // The Pension Service
     
     
    The Pension Service is part of the Pension, Disability and Carers Service (PDCS) which is an executive agency of the Department for Work and Pensions (DWP). It provides its customers…
     
     
     
     
     
  • // The Valuation Tribunal
     
     
    The Valuation Tribunal is an independent appeals tribunal, funded by Parliament to handle council tax and rating appeals in England. It provides a free service and local hearings.
     
     
     
     
     
  • // The Winter Fuel Payment Helpline
     
     
    Winter Fuel Payments Helpline can provide information about the Winter Fuel Payment, guidance on reporting changes to your circumstances, and a claim form.
     
     
     
     
     
  • // Turn 2 Us
     
     
    We are a charitable service which helps people access the money available to them through welfare benefits, grants and other help.
     
     

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...