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    • Hello Caggers,   I've been trying for years to get an old EE account wiped off my credit file. It was opened in 2013 and almost immediately defaulted but was shown as "Payment Arrangement" ever since. I contacted EE by telephone in 2022 and was advised it had not been wiped because therte was still £69 owing, so I paid it and thought it would correct once the CRA's updated their reporting cycle.   However, it has still not been removed. I made a formal complaint on 27/03/2024 and have had contact with the executive team who advised that  "EE account 106985089 has now been deleted from the Credit File as it failed to close as it was reporting the payment arrangement set up despite, as advised this failing which should have resulted in a further default showing.  Please be advised the deletions we have completed take 24 hours to update if a paid service is used to view the Credit File. If the customer uses one of the free services to view the Credit File, the recordings update in 24 hours but the changes can take up to 30 days to be visible on a new copy of the Credit File. I have requested compensation and been advised by EE that another team are looking into this. That was almost 2 weeks ago and there has been no contact since, despite me chasing it. I do not want to go to court and would rather settle this amicably. However,I have been advised that I might have a claim for aggravated damages due to the length of time the incorrect reporting has been on my file and the fact that I told EE about this issue and paid the demanded outstanding amount of £69 almost 18 months ago. Should I just wait for EE to reply or should I start building my case against them? Is their statement admissible as evidence of their blame or do I need to dig a bit more? I made a DSAR which was initially rejected as having no data found yet. I trawled my e-mails from 2013 and found the account number and mobile number, so I'm now awaiting the result of my 2nd attempt at DSAR. I have very little in the way of proof of actual loss except a mortgage refusal e-mail from HBOS in 2015. I have also had high interest loans and credit over the last 10 years but again cannot directly attribute this to this one specific error. There were other items on my credit file that could also have contributed to a low credit score too and I'm not out to cash in on anything. I want to make sure I don't end up shooting myself in the foot for any obvious reason and would appreciate any help from anyone who has had similar experience with breaches of DPA.
    • Noted. Keep an eye on the other threads here including the update a few hours back by Rob Carr.
    • dont need statements. nor std info sheets. EVERTHING else  dx
    • they have 6mts else it dies. ................. BUT yet again today you've posted on someone else's thread posts now moved here. please keep to your OWN THREAD!! now to date you've not bothered to reply to our questions so we CAN help you.    
    • Update: tfl is taking me to court I'm trying to get an ooc claim from them but they have not been replying to my emails. 
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    • 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
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Any Builders or Decorators out there?


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Hi, On a low budget so wondered if anyone could recommend any kind of product which might help my lad cover the surface of this outside wall of his?

 

To remove all the plaster and have it redone will be expensive so he's hoping to DIY and try and get a decent finish which hides up most of the crass mess made by the people he bought his place from.

 

Any idea's of any product which he can paint onto this surface which might hold for a year or two?

 

Thoughts appreciated.Building surface 2.jpg

Building surface 1.jpg

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Hi Andrew, new neighbours refurbing their house used silicone rendering instead of traditional rendering. The builders said it was a quicker process, dries quick, and cheaper. I think an excellent result:-D Give it a google there's info and videos.

 

They also said it can go direct onto pebble dash, but with original rendering the pebble dash needs to be taken off.

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Never expected you on the builder question Termi!:madgrin:

 

Thank you though for this. Would you know if that would suit putting over the top of what is already there as in these pictures because my lad is not keen to spend out having to remove it all first, just wants to paint over what's there and cover the rotten look? He can then consider having it all replaced a couple of years down the line because he has more important things to attend to first.

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Run a flat screwdriver in the cracks to open them up a little, then fill with exterior flexible filler or caulk.

I use geocel exterior caulk for cracks up to 5mm wide and toupret filler exterior for bigger patches.

Then prime and finally 2 coats of exterior masonry paint.

Then keep an eye on the cracks, if they reopen slightly (some will inevitably) redo the caulking and painting, this time without running the screwdriver in the cracks.

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Thanks King, that's most helpful. Would you recommend any particular masonry paint at all? He just wants to do it white again, but given the messy surface, would it need anything in particular to cover those already badly filled patches of repair?

 

Many thanks

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I use sandtex masonry paint.

For old and new patches use sandtex exterior primer and undercover before painting.

If old patches are flaky use sandtex masonry stabilizing solution first, then primer, then paint.

If old patches are crumbling, remove with chisel and redo with sand/cement mix 4:1.

You can add waterproof to the mortar (not essential) and I heard some people use pva with success (I don't).

Bear in mind that the new paint will be a different shade of white from what it's there because of the weathering effect.

 

- - - Updated - - -

 

Read instructions for all products before using them.

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I use sandtex masonry paint.

 

Other good Masonry Paints are also available :-D

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  • 1 month later...

I've also used Sandtex for years King, never had any complaints, over the years I've found myself using a lot of Johnston's paints and would recommend them to anyone.

 

Used a lot of Farrow & Ball too, not on my own house, far too expensive for me good stuff though.

Never used it on any exterior work.

Any advice I give is honest and in good faith.:)

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