Jump to content


  • Tweets

  • Posts

    • I've an idea that what this is is clearing out stock of old tech panels as there have been signs of major breakthroughs in solar tech - inc what is effectively solar paint   reuters.com WWW.REUTERS.COM  
    • ROFL - says a minister of the government that lets its politicians promote their agendas unchallenged and well paid on the UK's version of Russia Today translated UK deputy PM launches global push to mask their election rigging "The UK is following Russia and China on a government minister and MP led process to get paid vast sums to put our message out to the plebs unchallenged, funded via right wing billionaires, AI from foreign states, and misuse of taxpayer money.   reuters.com WWW.REUTERS.COM  
    • Yes, but the process starts here... https://ico.org.uk/make-a-complaint/data-protection-complaints/what-to-expect/ This involves making a complaint to GS first before approaching ICO. However, at the time of the complaint, I beleive we'd advise the complainant to ask for some compensation and take it from there. @FTMDave?? No, I meant this forum, The Consumer Action Group, where you're posting right now.😄 (We're in the slow process of rebranding as The National Consumer Service.)
    • Thank you. The npower debt was from 2019/2020 until EON took over the account late 2021. npower had set a DCA on me even though I owed them nothing. I spoke to a customer service agent, following up by email, who confirmed I was in credit . I made a complaint to head office who sent a barrage of emails, changing the amounts each time. According to them, I owed £279. The debt grew to what it is now as first npower and then EON subsequently failed to put a payment arrangement and direct debit in place to pay off this supposed sum and my ongoing bills. I was very ill with Covid, struggling in lockdown with a disabled child and informed them of all this. EON stopped their legal action when I took them to the ombudsman as this was part of my complaint and requested remedy but I have not received a notice of discontinuance.  I would like to set up my own dd to pay them off but am concerned they could still take legal action. I am on a low income and can’t afford to pay them more than a token amount each month.  And yes, they state their client is EON and that they can return the debt to EON who can either register a default or take me to court. 
    • Thank you guys! @lookinforinfo thank you for the case, it seem to similar with my case which is gold. @Nicky Boy shouldn't be ICO?   Personal data breaches: a guide ICO.ORG.UK   For CAG I found this  The Confidentiality Advisory Group (CAG) is an independent body which provides expert advice on the use of confidential patient information. This includes providing advice to us, the Health Research Authority (HRA) for research uses. It also provides advice to the Secretary of State for Health for non-research uses.
  • Recommended Topics

  • 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
  • Recommended Topics

Paragon Loan advice needed urgently


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1975 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 would like some advice for a secured loan that was taken out by my ex-husband before coincidentally divorcing me a few months later.

The loan was taken out in October 2007 and now over 10 years later i have been paying and the balance has only reduced by £200!

 

I am extremely struggling with this and need to get this debt resolved as soon as possible can anyone please offer me some advice and guidance i have attached the enclosed paperwork.

 

Information:

My ex-husband never made a payment on the loan and was never on the mortgage or house documents,

the house is in my sole name bought before marriage,

i have told paragon to find him for payments however they are not interested and keep threatening to reposess should i not pay them £233 per month.

Doc3.pdf

Link to post
Share on other sites

removed the upload you name and ref no is showing

try and put those pix to full page before you save as .pdf

 

paragon are a nightmare 100's of like threads here already

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

so does your name appear on the loan agreement? have you even seen it?

 

 

Now whe fraud is used to create binding terms it isnt automatically a dead duck so you may be liable but ahve you checked with the land regisrty to see if it is a charge on your property?

 

 

Also why havew you left it 10 yers before questioning it, that means you ahve accepted it is your problem when it may well not have been at the time.

Edited by honeybee13
Paras
Link to post
Share on other sites

Hi, thanks for your response.

 

so does your name appear on the loan agreement? have you even seen it? Yes my name is on it as well as my ex-husband i have attached a copy of the agreement received via a SAR request.

 

 

Now whe fraud is used to create binding terms it isnt automatically a dead duck so you may be liable but ahve you checked with the land regisrty to see if it is a charge on your property? yes it is on the land registry however the home is owned solely by me but this loan is on both our names

 

Also why havew you left it 10 years before questioning it, that means you have accepted it is your problem when it may well not have been at the time. By no means have i left it 10 years i found out about the loan when my ex-husband left and i was taken to court for re-possesion of my home since then i have been told i have no choice but to pay the £233.00 payment else my home will be reposessed. However the balance never drops ive been paying for years, in fear of losing the house. Bur its so difficult to manage these payments and all the balance has reduced by is £200 in 10 years!

Link to post
Share on other sites

You signed the agreement so accepted the terms at the time.

 

 

Ok, are you paying PPI on this and most of their fees arent allowed and interest on fees is also verboten. That means it will be possible to recalculate what you ahve paid and actually owe taking this into account.

 

 

Tally up the telephone call fees etc and ditto interest for such things and tell them that you dispute these charges. This is what I menan about leaving ti for so long, they will say that you knew all along and thus they dont have to consider your complaint as starting at month 1

 

 

also what interest rate are they using for their calculations, is it still the amount agreed back in 2007?

Edited by honeybee13
Paras
Link to post
Share on other sites

  • 2 weeks later...

Hi thanks for your response i just want to clarity all the fees for phone calls and the interest on these is not allowed?

is there any other fees that are included too

i will tally these up and then should i write to them to dispute these (is there some template i could follow).

 

Also the interest rate calculation i am not sure whether its the same as 2007 how can i check this?

 

No PPI on this loan from what i can see.

 

Thanks

Link to post
Share on other sites

yes all fixed sum penalty fees.

 

list what you see...

 

you use the cisheet or the statint sheet whichever gives the greater figure.

 

type in reclaiming charges

 

in the search CAG box of the top redtoolbar

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...