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    • @Man in the middle I've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe concenquences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points?
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
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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.

      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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experian and equifax


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I have just subscribed to checkmyfile.com the site compares 3 agencies and I just had to laugh. I had settled a TSB credit card balance sometime ago and had I not checked I would have a default against me forever.

A notice of correction has been filed with the credit refrence agency a few days ago and will take 28 days tobe investigated so I am told.

 

The Experian file is based on public infomation only - so will reflect the type of result that most companies, landlords and employers can see when they search you.

 

Callcredit and Equifax files are more representive of what only the top 200 or so lenders can see when they search you. In addition to public file infomation these also contain your search and account performance history.

 

Incidently my callcredit file is 4 stars whilst my Equifax file is not so healthy. Funny that, don't you think.;)

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I have just subscribed to checkmyfile.com the site compares 3 agencies and I just had to laugh. I had settled a TSB credit card balance sometime ago and had I not checked I would have a default against me forever.

A notice of correction has been filed with the credit refrence agency a few days ago and will take 28 days tobe investigated so I am told.

1. Defaults are on your account 6 years, not forever.

 

2. Even if it was settled, if the default was entered before settlement it will remain on your account for six years.

 

3. Defaults can be removed if you can prove that your default was there purely because of unlawful charges which placed you in a default position; or some other mitigating factor. Otherwise, once defaulted, that's IT for six years, whether you settle or not.

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2. Even if it was settled, if the default was entered before settlement it will remain on your account for six years.

 

Actually when a default is settled it is marked as such and the default disappeares. Technically there is a difference between Settled and Satisfied (paid on time, closed account without issue) but the markers in at least Experian use the "S" symbol for both Settled and Satisfied so paying off a defaulted debt makes a huge difference.

 

Funny story. Well not really but interesting. A few years ago working for one of the big credit card lenders, i was collecting an account. This person had issues which meant her family had to keep sorting out her debts. They chose to pay them off each time she was defaulted. Of course the way that the "S" works this meant she was a prime target for new credit which due to the same issues she happily took out. And so the cycle continued, each time with higher total debts.

 

Regards,

Eduin

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Actually when a default is settled it is marked as such and the default disappeares. Technically there is a difference between Settled and Satisfied (paid on time, closed account without issue) but the markers in at least Experian use the "S" symbol for both Settled and Satisfied so paying off a defaulted debt makes a huge difference.

 

It is the same with Equifax a green "S" for settled/satisfied where as Experian favour a serene blue "S"

 

I have also been informed that registering a personal notice of correction on one's credit file is as good as a default in the eyes of some searcher's:eek:

So now I know that the issue is now being investigated I have requested that the notice of correction is to be removed post haste. And informed the other agency of my dispute of which is also being investigated.

 

In my recent dealings with credit refrence agencies I have found them to be very helpful in telephone conversations, and it would appear to me that they are in the dark until ordinary Joe off the street has to look at his file, and then dispute's.

The fact there is more than one agency baffles me, financial institutions that supply a service imho should state in terms before supply, with which credit refrence agency/s they will be recording entries with and whom they share your personal infomation with.

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Can you ask before you apply for credit 'Which credit reference agency do you use?'

I have not myself asked before a search...but consider that a search on a CRA file leaves a footprint and that too many footprints can be detrimental to the overall credit score on the file that has been searched.

 

In reply to your question... I would have to say it would be down to personal choice, however, me being me I would contact the customer service dept of the organisation that I would be considering first.

 

The money saving expert Martin Lewis's site has an interesting page as a rule of thumb 'who uses who', tho Im not sure if it is up to date or not.

 

Credit Reference Agencies - Who uses who? | UK's only money saving expert,

 

If this helps don't click the scale's, just donate:)

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Another frustrating factor is when one has to repair the damage when innacurate data has been recorded or has not been updated on a CRA' file by an institution and then have to contact every CRA's yourself to repair it (should charge me thinks to the incompetent institution concerned) .

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I have not myself asked before a search...but consider that a search on a CRA file leaves a footprint and that too many footprints can be detrimental to the overall credit score on the file that has been searched.

 

In reply to your question... I would have to say it would be down to personal choice, however, me being me I would contact the customer service dept of the organisation that I would be considering first.

 

The money saving expert Martin Lewis's site has an interesting page as a rule of thumb 'who uses who', tho Im not sure if it is up to date or not.

 

Credit Reference Agencies - Who uses who? | UK's only money saving expert,

 

If this helps don't click the scale's, just donate:)

 

 

I'm not convinced this is right as my Call credit report is great - even get a "checkmyfile" score of 5 out of 5 etc, but american express wont touch me and they only use them according to this lol...it would be great if you could find out this info before applying and being refused.

People who haven't made mistakes, haven't made anything!

 

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I'm not convinced this is right as my Call credit report is great - even get a "checkmyfile" score of 5 out of 5 etc, but american express wont touch me and they only use them according to this lol...it would be great if you could find out this info before applying and being refused.

 

I did mension that I was not sure if it was upto date or not, however the chat forum link on there has a few posts regarding who uses who and the other link I found quite infomative.

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