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TODDLE2U ; are you still active on this forum and can you assist me with a pernsoal guarantee which has now been called upon from Travis Perkins. A lot of what's been said is similar to my situation. Credit application forms were signed in 2014, and like other we didn't know what we were signing for and a quick signature was given after form completed by office staff. There is no mention to seek independent legal advice on the form, should this be stated clearly?
I want to warn people considering signing a guarantee with Travis Perkins that I believe they misuse these agreements against builders. They charged me nearly £2k for goods I did not order or use. I did not sign for them and they had no proof I ordered them. They claim that a former subcontractor of mine signed for them. I could not believe that I lost the case against them. Their claim against me was a dogs dinner. The judge's view seemed to be that big companies don't make mistakes. TP's legal department's most specific lie was to say that all orders are made by quoting a 6 digit security code. I never had one when i used the account. The judge swallowed it. DO NOT SIGN ANY GUARANTEE OR OPEN ANY CREDIT FACILITIES WITH TRAVIS PERKINS
My daughter had a card with Dorothy Perkins which was run by Santander. In 2011 she tried to re-mortgage only to be told she had a bad credit rating. She checked Experian and saw a charge from Santander. She did not recognise this and phoned them and was told that it was for a Dorothy Perkins card. She then spoke to another company who we think were the Lewis Group. This was on the 6th October 2011 and she told them, rightly or wrongly, that she would pay it straight away to try and clear her credit history. She then paid the money to a firm of solicitors called Howard Cohen who confirmed on the 6th that the money had been received and then sent a cheque to the court and got a Certificate of Cancellation. However when we checked her Experian account it still shows: Current Balance.............Satisfied Default Date....................21/07/11 Satisfaction Date.............18/10/11 She moved house in 2008 and had her mail redirected for a year and in that time received nothing from either Dorothy Perkins or Santander. So prior to this going to court she knew nothing about it. In fact if she had not tried to re-mortgage she would still not be aware. We have been trying to get Santander to remove this from her file but were told that as she did not pay the minimum as required under her Credit Agreement £12.00 late charges were applied to her account. I have asked Santander for details of how the money we paid was made up. I have a suspicion that most of it was late charges. I know we should have queried the whole thing before paying up but decided the remortaging was more important and as it happened, and is still happening, the mortgage was refused. Does anyone have any suggestions about where we go from here.
Hi, everyone. New to forum and first post! I had this problem with Travis Perkins recently, they petitioned for bankruptcy and it was dismissed at the hearing. Hope this gives hope to anyone else!