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    • 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 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.
    • 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. 
    • 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.
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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.  

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    • 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.
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      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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Virgin Media Help Please


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Posting on behalf of a friend......

 

Sept this year, They took out a contract with VM. This was for BB, And the phone, It was £27.50 a month. There was no signed agreement, Just verbal over the phone.. So far they have been cut off four times due to having a limit on the phone.. They can't understand, As they were never told there would be a limit, And they hadn't asked for one either. They have been charged £10 once, Due to disagreeing with the limit, Which then went into a late payment charge. VM are now phoning them to say they owe them more money otherwise they will be cut off, Bearing in mind they had just paid £100 for the last bill...

 

Any help or advice on what to do next..

 

Many thanks in advance.

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Virgin media are perfectly allowed to implement a call limit especially for new customers in order to both protect virgin media and prevent customers from running up huge phone bills.

 

If the bill is in the region of £100 they need to take a good hard look at the call package they are on, when they are making calls and who to as frankly a landline bill of that a month is shocking (we spend no more than £10 a month over our minimum rental on virgin media on calls)

 

If they are calling landlines, on the current package they are only free at weekends for up to an hour and then they will have to redial. Calls at all other times are chargable however they can get free evening and weekend calls to landlines by upgrading to package L or free calls to landlines anytime on XL.

 

Calling mobiles, adding the call mobile add on will reduce a little however my personal recommendation would be to pick up a cheap phone on vodafone pay as you go and activate vodafone stop the clock and free weekends. They will then get evening calls up to an hour for 30p with free calls to vodafone and landlines at weekends and an hour of calls to other networks at weekends (after which we are back to 30p for an hour)

 

Calling 0870 or similar numbers, check out SAYNOTO0870.COM - Non-Geographical Alternative Telephone Numbers and use the alternative numbers.

 

Calling premium rate.... Well just STOP IT!!!

All my posts are made without prejudice and may not be reused or reproduced without my express permission (or the permission of the forums owners)!

 

17/10/2006 Recieve claim against me from lloyds TSB for £312.82

18/10/06 S.A.R - (Subject Access Request) sent

03/02/07 Claim allocated to small claims. Hearing set for 15/05/07. Lloyds ordered to file statement setting out how they calculate their charges

15/05/07 Lloyds do not attend. Judgement ordered for £192 approx, £3 travel costs and removal of default notice

29/05/07 4pm Lloyds deadline for payment of CCJ expires. Warrant of execution ready to go

19/06/07 Letter from court stating Lloyds have made a cheque payment to court

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Virgin media are perfectly allowed to implement a call limit especially for new customers in order to both protect virgin media and prevent customers from running up huge phone bills.

 

So why not advise people of that when they subscribe.

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So why not advise people of that when they subscribe.

 

Company Terms and Conditions (On Cable)

 

Section F6b

All my posts are made without prejudice and may not be reused or reproduced without my express permission (or the permission of the forums owners)!

 

17/10/2006 Recieve claim against me from lloyds TSB for £312.82

18/10/06 S.A.R - (Subject Access Request) sent

03/02/07 Claim allocated to small claims. Hearing set for 15/05/07. Lloyds ordered to file statement setting out how they calculate their charges

15/05/07 Lloyds do not attend. Judgement ordered for £192 approx, £3 travel costs and removal of default notice

29/05/07 4pm Lloyds deadline for payment of CCJ expires. Warrant of execution ready to go

19/06/07 Letter from court stating Lloyds have made a cheque payment to court

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So customer error. I do notice on here that a lot complain about some service or other and have not read the T&C's, so good advice would be if you have what you think is a complaint then read the T&C's before you follow that complaint through.

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  • 2 weeks later...
Guest 10110001
Posting on behalf of a friend......

There was no signed agreement, Just verbal over the phone.

 

 

Company Terms and Conditions (On Cable)

Section F6b

 

Regulation 5(5) of Shedule 2 of The Unfair Terms in Consumer Contracts Regulations 1999 says:

 

(i) irrevocably binding the consumer to terms with which he had no real opportunity of becoming acquainted before the conclusion of the contract

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Personally cannot see what is unfair about imposing a call limit given it is there to protect both the customer and the company (if more companies did this we wouldn't keep having the horror stories of people running up huge telecoms bills and not being able to pay them).

 

Fair enough they maybe should have been told over the phone or given a copy of the terms to peruse first (which probably did happen in order to comply with distance selling regs). When I signed up to VM it was done online and over the phone and I received a welcome pack a couple of days later with both a copy of the relevant legal stuff and a contract to sign and return. I also has a time to cancel my order if I wasn't happy with everything

 

As I stated in my first post on this thread, if someone is spending £100 on calls in a month they really need to have a look what plan they are on and amend accordingly (or make better use of inclusive landline/mobile minutes if they call mobiles a lot or use less telephone sex lines if they call premium a lot)

All my posts are made without prejudice and may not be reused or reproduced without my express permission (or the permission of the forums owners)!

 

17/10/2006 Recieve claim against me from lloyds TSB for £312.82

18/10/06 S.A.R - (Subject Access Request) sent

03/02/07 Claim allocated to small claims. Hearing set for 15/05/07. Lloyds ordered to file statement setting out how they calculate their charges

15/05/07 Lloyds do not attend. Judgement ordered for £192 approx, £3 travel costs and removal of default notice

29/05/07 4pm Lloyds deadline for payment of CCJ expires. Warrant of execution ready to go

19/06/07 Letter from court stating Lloyds have made a cheque payment to court

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