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    • dispute it with whichever cra provider is now showing it. simply state the a/c is from 2015 and was defaulted (date) and should not have re appeared. probably getting ready to sell it on. dx
    • please create you OWN topic by hitting create or + in the top red banner dx  
    • Hi mate Thanks a lot for commenting this experience of yours. I do understand this might be something that you are not willing to talk about anymore but the same exact scenario happened with me today at John Lewis. They took my name/ address/ a picture of me holding a signed banned letter. the only question I've got is will I be contacted by the police and will this be recorded as police caution or criminal record?  I would really really appreciate if you could let me know how it went.  I am so so so ashamed of myself and am really making changes in my life I feel like I've lost myself for a period of my life but anyways it would be really great to hear back. Thanks 
    • I thought Delinquent ment "missing payments" its active so assumimg it can be seen ? also this is the only thing change on my credit file and that in its self being re added has dropped my credit score . the debt is SB and did drop off my credit file so how have or how can they re add it again ?
    • ah sorry delinquent means it dead so not hurting your file. dx  
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    • If you are buying a used car – you need to read this survival guide.
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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.

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      Many thanks 
      • 81 replies
    • 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.

      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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Welcome Finance **WON**


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apologies for hijacking this thread but I have a burning question! Is there anything that can be done re: a loan with various arrangement fees/disbursal fees etc added to it, that has been PAID UP? I settled with Welcome Finance a couple of years ago and paid through the nose just to be rid of them. Is it too late to do anything now (apart from the mis-sold PPI but that's a different ball game!) sorry again to jump in. I just read your thread and wished I'd been a bit more clued up a couple of years ago...

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onevodka. i too am in the same position(1 loan paid off,and another in default).

i am going for (on both) ppi,charges etc

on the paid one, there was no early payment rebate,paid the whole lot at the amount stated on the agreement. if all else fails, they will get nothing for the default one as it has admin fee added BEFORE working out monthly payments.

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thanks for the interest in my thread

still no contact from welcome, there early agreements ar not worth the paper they are written on. waiting for acknowledgement of claim. then with both barrells ppi. have not provided details of ppi with my sar. i think there may be fraud involved. big commissions they receive. then financial defamation etc. hope they are getting worried as not backing down. with ref to postel strike can they use it as an excuse for not acknowledge claim. they have till the 18/10/07 many thanks

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Any news yet Post?

Would it be possible to post your p.o.c's ...........Im also about to start claiming mis-sold ppi and unenforceable agreements, but have no idea what to use on my court papers.

good luck with your claim, keep posting!

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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wilson case, including acceptance fee/charges before calculating interest

agreement is headed personel loan agreement. should be headed credit agreement regulated by the consumer credit act 1974

total charge for credit not included. no t&c or cancellation rights. agreement not properly executed. and removal of default. after this charges and ppi at 8% apr. they have until friday to acknowledge claim or they default ccj time

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a quick note

at first welcome finance seemed a god send to people in my position. how wrong was i. they are valtures praying on people who dont know what they are getting into. believe me i am using every recoarse avalible to have these people by the throat. any body dealing with welcome claim and keep claiming. £400 a hit from fos then they might start treating there customers with more respect. and i hope there credit licence revoked.

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this stinks. i requested from the court judgement as welcome had not responded to my claim. court have informed me acknowledgement received 22/10/07. they submitted it late. court have told me they have accepted acknowledgement and have 14 days to submit defence. so much for legal time tables. how welcome have treated me this is not on by the courts. any comments and best coarse of action, many thanks

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if anybody can clear this up.

welcome have now acknowledged claim, the court tell me they have until the 2/11/07 to produce defence. i thought they have 28 days to comply after acknowledge of claim not 14.

thanks

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ok people, realy need your help now

just received welcomes defence.

if advised i will post defence.

first i used the wilson case with ref acceptance fees, ppi etc being placed before calculating interest. they say an unenforceble agreement is not void.

they then go on to say i am not entitled to my payments back. thats ok as i never requested them back on my poc.

i also goofed with ref my second agreement. i said ppi was included in it. its not. but surly the extras eg acceptance fee is valid ref wilson case.

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