Jump to content


  • Tweets

  • Posts

    • The move marks the first time the country's central bank has raised interest rates for 17 years.View the full article
    • The move marks the first time the country's central bank has raised interest rates for 17 years.View the full article
    • The firm has benefited from the AI boom, making it the third-most valuable company in the US.View the full article
    • Former billionaire Hui Ka Yan has been fined and banned from the financial market for life.View the full article
    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
  • 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
      • 160 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

Saga credit card [Allied Irish Banks] demands


Deedub
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2470 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

Hello again, different story.

 

In July 2016 I was diagnosed with lung cancer which had spread.

 

 

I notified saga & told them to hold up repayments please while I sort out my work/benefits.

( I was awarded PIP that the hospital claimed for me.)

 

 

Saga called to say don't use the card and let them know when I was ready, also, it would affect my credit rating.

 

I retired in December & started a claim for universal credits and work related disability, which I've now got.

 

In the meantime, saga sent me an income expenditures form.

I returned that but, they lost it & asked me to fill in another one which I had to ring for, it never arrived.

 

 

Eventually got it, filled it in, sent it off over 2weeks ago & haven't heard anything.

 

I was going to call them today and wondered if there was any heads up you could give me?

 

The main question is;

Is there any way I can get them to take off the bad credit rating?

Thank you.

Link to post
Share on other sites

sadly no

 

i'd just start paying what you can when you can if this is your ONLY debt?

 

its very low priority and hopefully they froze interest and charges once you alerted them?

 

there no legal requirement to send anyone your PERSONAL financial details

NONE of their business!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

pers i'd only ever communiczate in writing

then you have a papertrail

because they'll sell this on to a no powers DCA

and they'll deny all knowledge and slap all the interest and penalty charges back on.

i'd just start paying what you said.

you DONT need saga's permission to do it.

 

 

they've probably already defaulted your credit file

so no matter what you do

pay or not

that trashes your rating for 6yrs regardless

theres nowt more they can do to harm you.

 

 

dx

 

 

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hi there,

Thank you for your reply. They HAVE put a bad credit mark on my score, I checked.

 

I've spoken to SAGA,

(I had to phone as they hadn't replied to my letter and expenditure form)

they are happy to accept my monthly payments which I'll set up asap.

 

 

I also put to them a settlement figure which I feel they seem open to.

I've to send my medical conditions & statement of offer.

 

I asked them to restore my credit score but, apparently, as they are Irish (AIB) they have no control over it, they only deal with Irish credit law, (yet they managed to put it on??) & I should follow that up myself. (I am about to write to Experian etc for clarification.)

 

 

When I send off my letter to SAGA I am going to put the restoration of my credit score as a condition of the settlement fee. Is that feasible?

 

Another point is that I didn't receive in writing that they were going to mark my credit score.

I read somewhere that that should happen.

I wondered if I had a case there?

 

So, to summarise, 2 points:

 

1. After settlement how to lift the credit bad score, if, as they say they can't do it as they're Irish, though they put it on.

 

2. Does the fact they didn't write to tell me that my credit score would be affected count for anything?

Thanking you. :oops:

Edited by dx100uk
Link to post
Share on other sites

if they are not going to wipe your credit file

I question the need to send any pers info

 

 

if they wont help yo

why help them

2 way street.

 

 

no harm in you contacting the ico for clarification on this we are irish we cant clear your credit file stuff.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

yes but it doesn't remove the defaulted date in the summary nor the calendar markers

they stay. even if settled

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

What I'm trying to find out is, is it worth giving them a settlement or a monthly payment? If they are both going to achieve the same then I won't bother with the settlement option.

Link to post
Share on other sites

do what you are currently doing for now, you owe 'something' so minimal payments will hold things for now.

 

 

why don't you get an sar off to them.

lets see all the statements

and see what else they've been charging like penalty fees or PPI or WHY?

 

 

when did you take this card out?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Yes, I've just set up the standing order.

Without checking I think I took the card out in 2012. There's not a great deal owing £2,000.( Hope that's not too facetious of me.)

Thing is, I want to keep them sweet, as it were, so they'll accept the settlement figure if I need them to.

I thought I'd write to them offering the settlement & including the proviso that my credit score is restored. Then, if they refuse to restore the credit score, don't go ahead with it & carry on with the standing order.

Link to post
Share on other sites

id p'haps be getting all the statements first?

lets see what cards you hold re reclaiming or inflated outstanding balance

where they have not helped you when they should.

 

 

ducks inline time.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

any penalty {£12] fixed sum fees?

and did they agree to freeze interest when you told them?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Yes, I asked them to freeze the interest in my first letter and they agreed, by way of a phone call.

They don't answer to emails.

They often charged me late payment fees.

Link to post
Share on other sites

then there is you bargaining tool

IMHO you need all the statements then

penalty charges are unlawful under FCA rules

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I've sent off a letter asking if they will accept a settlement fee, on the condition that they remove the bad credit mark.

We'll see.

Also, I didn't know that late payment penalties were unlawful?

Edited by Deedub
Forgot a point
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...