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    • calm down and stop panicking about a nothing burger. itll work itself out. more later, you've done no lasting 'damage' 
    • Hi All,   I was going to post an update after a month had passed since I sent my SN but didn't get around to it, after about two weeks I received a letter from Highview letting me know the opportunity to appeal had been missed, Shame, lol! .... Anyway, on Sat 13th (the 13th! Aaarggghh! 🤣) I received a Claim Form from DCB(L) .... seems they wish to pursue the matter through the courts! These people really are tiresome ....   Details to follow ....   (EDIT: just noticed this is the 13th post as well! .... not that I'm superstitious, lol! 😂)
    • I think I might have had a CCJ but it was way longer than 7 years ago and I have been able to apply and get loans, credit cards etc. I have been pretty fine with my finances until now, until this mess I managed to get myself into this year   There is nothing showing on the TransUnion credit report about an old CCJ. Is there another place I can look to see if there was one and if so how long ago?  I have signed up to TransUnion and on there it says (in Search History):   ORGANISATION PURPOSE DATE Transunion Consumer Id Check (Ml)   Identity Check for Credit 15 Apr 2024   Nationwide Building Society (Sr,Tac,Ct,Cval,R) Nationwide Building Society Bav (Cval Ml) Anti-Money Laundering 11 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Ar) AF 10 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Cr Bsb) Quotation Search 10 April 2024 I think AF means a financial association with someone or something, but I have just read that that could be something as simple as sharing an address with someone (which I do).    Public Information Details of any Bankruptcies, Insolvencies or Court Judgments that are in your name in relation to settlements of money. Bankruptcies and Insolvencies You do not have any Bankruptcies or Insolvencies on your credit report. Judgments You do not have any Judgments on your credit report. There are no Cifas markers registered against you. You do not have any Notices of Correction on your credit report. Does any of this make sense? I don't mean the information I have provided above, I mean why I am being rejected by every bank I have applied for, except Monzo (so far) Every loan I have ever taken out has been paid and settled on time, I have never missed payments on things. The only things I have outstanding at the moment are the ones I listed at the start of this thread when I completed the budget planner.    I have just checked Experian too and there is nothing on there about CCJs or any other suspicious or adverse info that would impact me like this, other than my present situation of course.   Bankruptcy, CCJ or IVA This includes court judgments (CCJs), debt relief orders, bankruptcies, individual voluntary arrangements (IVAs) and other public records recorded against you. You have no public records. GAIN (Gone Away Information Network) Lenders use GAIN to tell each other about customers with unpaid debts. If in the past you’ve left unpaid debts when living at a previous address, you may appear on GAIN and so lenders may be less likely to give you credit. You have no GAIN records.   Should I go to see the CAB or something? I just don't think I have the strength or brain capacity to deal with all of this. The mess I have gotten myself into is bad enough and now this on top. My head hurts. What should I do?  It's all very horrible, I feel genuinely scared and stressed because of all this. I don't understand what is going on    I have raised a dispute with Santander to see if they have done something. I have just explained my situation, what is happening and that it all seems to have started when I told Santander I was struggling, had approached StepChange and transferred my direct debits etc to Starling. It was all going well with Starling, I actually really liked it, but now everything has just gone to !!!!!! and I feel sick to my stomach  
    • have you got any more historic defaults or CCJs (Say, in the last 7 years) that you think would still be showing on your credit record? Something's not adding up here.
  • Our picks

    • 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.

      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
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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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Brighthouse, conspiracy? Surely not...


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Question:

 

What are the big hot christmas must-have electrical items this year?

 

Answer:

 

XBOX 360 and Nintendo Wii

 

(I'm sure there are a few other must-haves, but let's just focus on these two for a minute)...

 

Don't you find it interesting that both of these products (particularly the Nintendo Wii) are like gold dust, and virtually impossible to find? Amazon have sold out... HMV sold out... (my son is a manager at one HMV store, and he tells me they had their delivery of 15 units which were all sold by lunchtime!)

 

Guess where you can get them? In stock and available... Yep. BRIGHTHOUSE!

 

Now then, does that not strike you as strange? Let's look a little closer at just one example...

 

XBOX 360 Elite

 

Amazon (and most others) price £299.00 - but out of stock.

 

Brighthouse price £446.77 - in stock and available - but "selling fast!" - now that price is their "cash" price! The total cost (over 12 months of weekly payments) becomes a mind boggling total of £844.48!!!

Let me break this down for you...

The (already inflated) "cash" price of £446.77 is spread over 52 weekly payments of £9.74 (at 29.9APR) making a total of £506.48. Then add 52 weekly payments of £5.25 (total £273.00) for "optional service cover" (optional, but applied automatically unless you are savvy enough to know you DON'T have to have it), and 52 weekly payments of £1.16 (total £60.00) for "damage Liability Cover" (again, applied automatically unless you can show proof of home contents insurance that SPECIFICALLY includes items on hire purchase). Total £844.48

 

This must SURELY go down as rip-off of the year!

 

Also, I would like to know how Brighthouse appear to have plentiful stocks when every other high street retailer has either very limited stocks or none at all.

 

Conspiracy?

 

Surely not... ;)

 

 

Cheers

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

CAG- The Nation's Weekly Info Store!

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Nintendo has already warned of a shortage of wii. They have started extra production line and are now making 1.8 million per week and have warned that production will not be able to keep up with demand.

Brighthouse probably saw the prices that these were fetching on ebay before last Christmas and saved them especially for sale before Christmas this year, knowing full well that some people 'will' pay the extortionate price for them.

 

If Nintendo has genuinely got the popularity figures wrong and can't make enough then this will play right into the hands of Microsoft with the Xbox 360 and maybe even help the flagging sales of the PS3.

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Who even cares? pay your money and make your choice.

 

buying low value items on credit is absurd.

 

This time next year, you will be able to pick one up for £100 at you local car boot sale.

 

probly get some games thrown in also,.

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  • 2 weeks later...

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

CAG- The Nation's Weekly Info Store!

;)

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  • 4 years later...

MY DAUGHTER IS A LOW INCOME FAMILY she has two young boys and after 11 yrs her washing machine gave up she tried to sort out another one but couldnt afford so close to crimbo

then she went to bright house omg they are making her pay £9.something a week and £4.60 is breakdown cover and they are making her take it saying the washing machine payments are over 3 yrs dont get me wrong but the first 12 months are already covered she just wants a quiet life im bouncing and intend to throw alsorts at them ie 28 day cooling of period get her to get her own breakdown cover from somewhere else any suggestions she went back to brighthouse yesterday and was told SHE HAS TO HAVE THIS BREAKDOWN COVER i can see that after a yr or two someone will be paying customers bk just like the banks ppi its the same thing robbery forced insurances

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MY DAUGHTER IS A LOW INCOME FAMILY she has two young boys and after 11 yrs her washing machine gave up she tried to sort out another one but couldnt afford so close to crimbo

then she went to bright house omg they are making her pay £9.something a week and £4.60 is breakdown cover and they are making her take it saying the washing machine payments are over 3 yrs dont get me wrong but the first 12 months are already covered she just wants a quiet life im bouncing and intend to throw alsorts at them ie 28 day cooling of period get her to get her own breakdown cover from somewhere else any suggestions she went back to brighthouse yesterday and was told SHE HAS TO HAVE THIS BREAKDOWN COVER i can see that after a yr or two someone will be paying customers bk just like the banks ppi its the same thing robbery forced insurances

 

 

Ah yes, someone with their sleeves rolled up - get in there but please keep us informed.

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in regards to nintendo wiis and consoles like xboxes you could always try buying them off groups on facebook , just type in the search bar "items for sale (then type in your area) and see what comes up , i have seen them 2 days b4 xmas going for about 70-80 quid lol and many more bargains to be had as well :)

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