Jump to content


  • Tweets

  • Posts

  • 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

Removing a Wonga Default on my credit file


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3681 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

Hi All,

I am new to this site and first of all i would like to say good work on all the advice that you post its helped me a fair bit!

 

Anyway at the moment i am looking for my first family home and obviously looking at applying for a mortgage. After looking at my credit file i have two defaults in regards to payday loans. One with Wonga and One with Lending Stream. The good news is i have managed to remove my Wonga default! So i've come here to share the e-mail i sent to them to try any help anyone else in the same situation!

 

My E-Mail to Wonga:

Mr Dannyboy253

1a Some street

Somewhere

Big City

S99 9XX

 

 

Wonga.com LTD

3-4 Prince Albert Road

London

NW1 7SN

 

Date: 21/02/2014

 

Dear Sir or Madam

 

Loan Agreement Ref - 0000xxxxxxx

 

After recently obtaining a copy of my credit file from Experian I was concerned to note that your company has placed a "Default" notice against my account in my name. It saddens me that you have done this due to myself being a very loyal and good customer with yourselves.

 

Furthermore to this I have no recollection of ever receiving such a notice, and I therefore require you to substantiate this data at your earliest convenience.

 

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account.

 

2. You must supply me with a signed true and certified copy of the original default notice

 

3. Any deed of assignment if the debt was sold on

 

This “Default” is now seriously affecting my chances of obtaining a mortgage for a family home. I have a dependant that is 14 months old and another that is expected in May 2014, this situation is causing my partner and I great cause for concern and upset. We are finding mortgage applications are failing at the early stages and we have been informed it is because of this. In addition we are under extra stress as we are being threatened with eviction from our current accommodation due to overcrowding making this request all the more urgent.

 

I would request that this data is provided to myself within the next 28 days, if you are unable to provide this data then I must insist that it is removed from my files as unsubstantiated.

 

I hope that with me being a very good and loyal customer that you could help me as a gesture of goodwill and remove this.

 

Yours faithfully

 

 

Mr Dannyboy253

 

 

I sent this as an e-mail to them and also as a letter which was sent 1st Class recorded. I reciveve this responce from them today:

Dear Dannyboy253,

 

Thanks for your recent correspondence about us reporting your data to the credit reference bureaux.

 

In relation to the default filed by us on, we can advise you we only record accurate and up to date data with the bureaux. We describe our commitment to this in our terms and conditions, and privacy policy.

 

However, we have sent a request to both Call Credit and Experian to remove any default that may be noted on your file with regards to this account and to update your account as settled on 19/10/2011. Please allow 10 days for this to reflect on your credit file.

 

Should you have any further questions or queries please do not hesitate to contact us on 08448429109.

 

Kind regards,

 

Escalations Team

Wonga.com

 

So obviously i am delighted with this outcome, I just have Lending Stream to sort out now! If it doesnt work the first time for you like it did for me, DON'T GIVE UP! It is possible with persistance!

 

 

Good Luck!

Link to post
Share on other sites

Be aware, that even though there isnt a default on your file, many mortgage lenders will decline a mortgage application if there is any recent activity relating to PDL's on your credit history. The reason being that it shows you were in financial difficulty.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Be aware, that even though there isnt a default on your file, many mortgage lenders will decline a mortgage application if there is any recent activity relating to PDL's on your credit history. The reason being that it shows you were in financial difficulty.

 

Yeah i am totally aware of that, thanks anyway! But obviously no default is better than a default on my credit file.

 

But i also hope this helps a few people in getting thiers removed. :-D

Link to post
Share on other sites

If the default was valid then you have no chance at getting it removed.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

  • 3 weeks later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...