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    • If the legendary dx could offer his wisdom it would be greatly appreciated 
    • Hi there Manager for our soccer sixes team moved overseas mid season and we struggled for numbers so we told the ref about 5 weeks prior to seasons end that we would see out these games then be done and he told us he’d ’pass the message on to the relevant people’. Heard nothing, then 3 days prior to the new season beginning we were given our fixture for that weekend. Told the guy over text we had pulled out and the ref should’ve passed a message on but we were told sufficient notice wasn’t given and it needed to be in writing. I argued it’s not our fault the ref didn’t do as he said but we were countered by the T&Cs.    now being chased for what was £608 kindly reduced to £476 to pay off remainder of the season. Been sent a letter in the post from their accountancy team and told needs to be paid by Friday.   seen a lot of the other threads saying we can literally just ignore everything but im concerned about debt collections and credit score being harmed. Can anyone confirm if this all works/what we should do?   thanks
    • Hi,   I have given an official police witness statement for the prosecution in an upcoming criminal court case, and I am very anxious about what might happen.  Specifically regarding being cross-examined.  My statement is very short, and only a couple of paragraphs long, regarding a conversation I had with one of the victims.  I have tried to research online about what information about me the defence barrister might be able to find and use to discredit me.  I have by no means have a shady past but, I am concerned about what private information might be brought up, and as this is a case that will be in the national press as it is in the public interest.  The two preliminary hearings were reported in the papers.   I have tried to research  online what information the opposition can seek, but it is all very complicated.  I believe that they can legally access public records, but I'm not sure what information public records hold.  Can they access my medical records, educational history, HMRC, and Department for Work and Pensions? (I am a self employed sole trader).  I was arrested once, and this was unfortunately instigated by the victim in this case, so could well be of interest to them.  It resulted in no further action, however I have only discovered this week that that, in fact, this means I have a criminal record, and will be so until I am 100 (no chance)! This has really annoyed me to say the least, especially since I asked him afterwards why he rang the police and he said 'for a laugh'.  So I have started to look into applying for it to be deleted, but again, if anyone has any advice on this I would be appreciative. At the moment, my name isn't on the confirmed list to give evidence, but the detective I have been dealing with has said it is 'likely'. The names of the victims in this case will not be allowed to be reported, are witnesses fair game for the press? I really need no know how deep they can delve in to my life so I am prepared if my character gets assassinated in front of the nation. I really wish I'd never agreed to this.   Many thanks
    • A belated thanks dx. Yes I may take your advice regarding StepChange. I am finding that I am telling them (on behalf of my Son) the true balances outstanding? They never seem to check properly in which worries me. If I was to take on myself is there another way of dealing with various debts? I have already submitted other IRL complaints on his behalf. Today I have received a further response from Quidie T/A Fernovo confirming that they will waiver all interest paid.
    • Good evening  Case hearing this Friday 26/04. looking to have all my prep/papers ready.    just checking in to get update on my last post , ( the t&c’s attached). No name or address on them as per #49   thank you UCM  
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      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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    • 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.

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      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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Peachy reclaim and CRA data removal


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Hi Johnhn

 

Right ive been able to fully summarise everything that you've sent me - Heres what I have

 

12 x Elevate / 1ML

7 x 24/7 Moneybox

34 x Safety Net Credit

7 x Mr Lender

14 x MYJAR

9 x ICL / PDE

13 x Peachy

4 x P2P

5 x Uncle Buck

 

In total including some Ive missed (Good reasons) you have had 138 loans over a period of 3 and a half years.

And you have already said a total of £38,165

 

This is by far one f the worst cases I have seen. My thoughts are this...

 

I have missed off some of your loans because they may have been 1 or 2 loans from that company that wouldnt qualify for an Irresponsible Lending complaint. However 2 Things that do concern me a lot are the amount you had from Clearaccount who are now Safety Net Credit & Pounds2Pocket Regardless of if they are an installment loan etc.

Clearaccount was always a worry because they are a revolving credit facility and if you keept relying on the product then this is a sever issue that needs to be addressed in its own part...

 

Im assuming here but did you pay off the amount you borrow with Clearaccount?

 

Right now... You have a very good case with at least a few of the lenders...

 

Now go get your CRAs in full from Clearscore, Noddle and Experian (The last youll will need to pay £2 for)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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I will now ask a very personal question. Over the last 3 years apart from PDLs how have you managed your bank account?

Grab statements for the last 5 years and get them ready too. You are going to war!

 

Could you also confirm if any gambling was involved at all?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Over the last 3 years apart from PDLs how have you managed your bank account?

 

With great difficulty! :oops:

 

Could you also confirm if any gambling was involved at all?

 

Only pathetic lotto dreams and the odd flutter on a horse. Didn't really ever have any cash for it!

247 Moneybox - balance written off, default removed

Cash Genie - bogus default removed

Peachy - interest refunded, default removed

1 Month Loan - interest refunded, data removed

Peachy - balance written off, default removed

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Have you got your bank statements ready? ... Did you read my main post...

 

Hi Johnhn

 

Right ive been able to fully summarise everything that you've sent me - Heres what I have

 

12 x Elevate / 1ML

7 x 24/7 Moneybox

34 x Safety Net Credit

7 x Mr Lender

14 x MYJAR

9 x ICL / PDE

13 x Peachy

4 x P2P

5 x Uncle Buck

 

In total including some Ive missed (Good reasons) you have had 138 loans over a period of 3 and a half years.

And you have already said a total of £38,165

 

This is by far one f the worst cases I have seen. My thoughts are this...

 

I have missed off some of your loans because they may have been 1 or 2 loans from that company that wouldnt qualify for an Irresponsible Lending complaint. However 2 Things that do concern me a lot are the amount you had from Clearaccount who are now Safety Net Credit & Pounds2Pocket Regardless of if they are an installment loan etc.

Clearaccount was always a worry because they are a revolving credit facility and if you keept relying on the product then this is a sever issue that needs to be addressed in its own part...

 

Im assuming here but did you pay off the amount you borrow with Clearaccount?

 

Right now... You have a very good case with at least a few of the lenders...

 

Now go get your CRAs in full from Clearscore, Noddle and Experian (The last youll will need to pay £2 for)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Have you got your bank statements ready? ... Did you read my main post...

 

I already have statements going back 4 years - 2011-2012 will take a little longer. And yes, I paid of clearaccount (eventually).

 

Sorting out credit reports today.

247 Moneybox - balance written off, default removed

Cash Genie - bogus default removed

Peachy - interest refunded, default removed

1 Month Loan - interest refunded, data removed

Peachy - balance written off, default removed

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  • 4 weeks later...

Sorry for the delayed reply - I've been ill. I have my reports from Noddle and Experian - can't download my Clearscore report though, so I'm going through the somewhat arduous process of reactivating my Equifax account. I'll be calling into a branch of my bank tomorrow for statements.

 

Meanwhile, I have Moriarty Law threatening me with court action for the £60 I don't owe to Cash Genie (even though this is under complaint with MMF), BW Law threatening me with court action for Excel Parking/Peel Centre from 2 years ago (first I've heard about it, and I was 15 miles away at the time), and I've just found out Quizonia and Xinion have raped my bank account via my phone over the last few weeks to the tune of £100. Happy xmas. :roll:

247 Moneybox - balance written off, default removed

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Also, whilst disposing of some toxic waste (old divorce papers) recently, I found I had taken out the following loans with Wonga.

 

01/09/09 £200

 

18/12/09 £200

 

11/01/10 £200

 

15/02/10 £200

 

Incidentally, I accepted Wonga's £50 redress offer 2 years ago. I still haven't received the cheque.....

247 Moneybox - balance written off, default removed

Cash Genie - bogus default removed

Peachy - interest refunded, default removed

1 Month Loan - interest refunded, data removed

Peachy - balance written off, default removed

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Hi John

 

Welcome back and hope you get well soon. Right...

 

Why not apply to Equifax for your report? Youll beable to PDF it :)

https://www.equifax.co.uk/Products/credit/statutory-report.html

 

Right keeping on track - Tell e more about Cash Genie and ML - Id like to know. If they plan to go to court over £60 then im sorry... MMF really have sunk to the lowest point.

Whats it about?

 

Also those 2 companies do premium rate services - Have you spoken to your network operator?? Did you sign up for them by accident?

 

As for Wonga - Get on and chase them for it. With their lending stuff, they seem to one of the easiest to claim from. Especially around that time, they were giving money out left right and centre.

 

FKO

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Why not apply to Equifax for your report?

 

I have an account, I just can't remember my credentials - the last time I rang them to regain access the phonecall took nearly 2 hours, so that's a bit of a project...

 

Tell e more about Cash Genie and ML - Id like to know. If they plan to go to court over £60 then im sorry... MMF really have sunk to the lowest point.

Whats it about?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?460509-Cash-Genie-Nonsense-Redress-and-Default-Removal

 

Also those 2 companies do premium rate services - Have you spoken to your network operator??

 

Not yet.

 

Did you sign up for them by accident?

 

Yep. Actually, "accident" is being generous to them. I clicked on what purported to be a Tesco survey (it wasn't) and then completely ignored the subsequent premium rate texts (as I always have done - not realising they were linked) thus spending the next couple of months blissfully unaware that I was being charged for each one - I've had a mobile phone for 20 years and never been caught out, in fact I didn't even know someone could you charge you to RECEIVE a text because it's so obviously open to abuse!

 

As for Wonga - Get on and chase them for it. With their lending stuff, they seem to one of the easiest to claim from. Especially around that time, they were giving money out left right and centre.

 

I've filled in and sent off the acceptance form at least 4 times, and also sent copies of my driving license and a deed poll. It all goes smoothly until it's time for them to post the cheque...

247 Moneybox - balance written off, default removed

Cash Genie - bogus default removed

Peachy - interest refunded, default removed

1 Month Loan - interest refunded, data removed

Peachy - balance written off, default removed

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Managed to get back into my Equifax account, so I now have reports from them, Noddle, and Experian.

247 Moneybox - balance written off, default removed

Cash Genie - bogus default removed

Peachy - interest refunded, default removed

1 Month Loan - interest refunded, data removed

Peachy - balance written off, default removed

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  • 6 months later...

Any news fkofilee? I've had something of a personal setback but I'm ready to get going on this now.

247 Moneybox - balance written off, default removed

Cash Genie - bogus default removed

Peachy - interest refunded, default removed

1 Month Loan - interest refunded, data removed

Peachy - balance written off, default removed

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  • 3 months later...

Interesting Final Response from Peachy. They don't accept any wrongdoing - I hoodwinked them into lending me the money. However:

 

"Based on the investigation conducted, we would like to uphold your complaint partially and are ready to offer a redress of £449.69 to you:

 

Write-off balance outstanding £162.51 in full and mark last loan as fully repaid;

 

Refund you interests and fees for last loan, including both extensions - £287.18 (please confirm your banking details for refund - account holder's name, bank account number and sort code);

 

Delete any information from your Credit File about all loans with us"

 

Hmmm...

247 Moneybox - balance written off, default removed

Cash Genie - bogus default removed

Peachy - interest refunded, default removed

1 Month Loan - interest refunded, data removed

Peachy - balance written off, default removed

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Well, I've decided to accept - the data removal is worth more to me than the money at this point in time!

247 Moneybox - balance written off, default removed

Cash Genie - bogus default removed

Peachy - interest refunded, default removed

1 Month Loan - interest refunded, data removed

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  • 1 month later...

So I've just checked my credit report via Noddle, and there's a new default on there from Peachy for £163 dated 18th October.

 

I'm applying for a mortgage at the moment. Should I just kill myself now? :-x

247 Moneybox - balance written off, default removed

Cash Genie - bogus default removed

Peachy - interest refunded, default removed

1 Month Loan - interest refunded, data removed

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