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    • Ok so Starling came back to me and said they have made some changes on my account and I should now be able to use the 'switch' option. I have a Monzo account which I opened when I opened the Starling account, but I have not used it as yet because I was happy with Starling. I feel like I am seriously running out of options. If Monzo do the same as Startling and let me set up all my direct debits and standing orders etc and then tell me they're closing my account in so many months, what do I do then? Where do I get a bank account?  I have applied to Nationwide, got the account set up and all the details etc. Then today received an email saying sorry they were not going ahead with the account and it would be closed today. They didn't give me the option of a super basic account. I have tried RBS and Co-op too and they basically did and said the same.  I feel like a leper or something. I have only defaulted on my loans one month. It hasn't even shown up on my credit report yet, but these knock backs are definitely to do with my credit score because RBS said " Unfortunately, having made those checks we are unable to proceed with opening your account at this stage."  I don't know what to do.  I did open a Co-operative account and have all the details and even a debit card, but when I'm trying to register for online/mobile banking it is just saying for security reasons the account is locked and to call this number, which I managed to get through to the other day after holding for an hour. I am on hold again now but with what's happened with Nationwide and RBS, I am not feeling particularly optimistic. Any advice on where to go or what to do next? x
    • Thanks for coming back and letting us know.  This is much appreciated because sadly most people don't. We have a new Alliance case which has pushed me to look at old cases.  The good news is that, for all their bluster, Alliance have never had the bottle to take a Cagger to court. Please do come back though if they ever send you a Letter of Claim.
    • Thanks for this update. Well done it's a good result. Typical of this company EVRi – they dangle you around for over a year and then tried a quibble to try and save a few quid – but actually it's not about saving money it's about saving face. I don't see why they bother to save face because they have no shame. They were prepared to smash up your mother's birthday and then refused to pay you out a paltry 75 quid or so – even though they know full well that you have third-party rights and they know full well that the little insurance scam is contrary to section 57 and section 72 of the Consumer Rights Act. I wonder what they would do if it was their own mothers? Well done for standing your ground. Well done for resisting mediation which would simply have added an extra stage to the process and of course they would then have threatened you to keep quiet if you revealed what had happened. You can see they are desperate to avoid further judgements against them. They know that what they are doing is unlawful but it is making them huge profits and they don't want to rock the boat! Hopefully you have learned enough that if this kind of thing happens again with EVRi or any other company, you will feel confident about taking it forward although of course we will be here to help you and support you as you need. Thank you for the donation. I am sending you an email about this.  
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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.

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      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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Orange mobile bill


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Hi

 

I have a query regarding an outstanding debt 237 pounds with orange that I have. I left the UK 2 months ago and now live in germany and am not returning to live. I have not worked since mid july of this year. I contacted orange last month to make a payment as my family have been helping me out financially. I was going to try and chip away at that amount. My initial plan was to pay the 35 pound line rental each month by direct debit till the contract expired.

 

Anyway back on track, I asked if I could make a payment of 100 pounds so that I could at least keep the debt collectors at bay. However the lady refused to take the 100 pounds and said that any payments made could only be the full 237 pounds.

 

Please could someone offer some advice on what I should do? A part of me wants to just leave it because I literally dont have the money to pay it as I am not working and havent for the last 5 months due to chronic illness, I no longer live in the UK and plus I dont think I am getting the correct tarriff (but that part is for a different thread I think!). However, I also do worry that they will send the bailiffs around to my house in germany and god knows what.

 

I think that it is also important to note that I took this contract up in July via a third party who were offering me a "better" deal on my mobile and a new phone and at the time I was coming to the end of my T-mobile contract. So the orange contract its still quite new.

 

Also I havent recieved any letters yet from them saying that they are going to pass it on to debt collectors. In fact I havent even received as much as a phone call from them as my phone is barred from incoming and outgoing calls and I cant dial 150 from the mobile so I have to use a landline.

 

Anyway, sorry for the jumpy explanation. I hope anyone can offer me some sound advice on what I should do.

 

many thanks

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