Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

    • London1971
      247 Money - refused payment holiday & payment plan

      By London1971 · Posted

      In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
    • Ethel Street
      Backing out of mutual house swap

      By Ethel Street · Posted

      Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?
    • abjb
      247 Money - refused payment holiday & payment plan

      By abjb · Posted

      Thank you! Your head is like a power bank of knowledge.  Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her)  I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 thew her, which is why I came on here.   
    • jk2054
      Faulty Laptop returned for free fix - advised DPD house no. of neighbour/my safe space - left parcel outside - it was stolen

      By jk2054 · Posted

      I've looked at your case specifically more.   Term 8bii reads " when, in accordance with instructions from the Customer or the Consignee, the Consignment is left in a safe place" Their terms choose to not define safe, so they are put to proof that the location is safe. If your property opens onto a street its a simple thing of putting a google earth image and pointing out that its not a safe place
    • NewsBot
      Record savers rushed to open Isas this April thanks to new rules and top rates

      By NewsBot · Posted

      New rules and higher rates resulted in a jump in the number of savers opening accounts at the start of this year's Isa season.View the full article

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
        • Like
      BankFodder

      Picked By

      BankFodder,
    View All

  • Recommended Topics

Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

EXPERIAN... The final battle commences

finlander

By finlander
in Credit Reference Agencies

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5406 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

WhatiswrongwithUKPlc

WhatiswrongwithUKPlc

Posted
Posted

Well I did get them to remove the default in the end because the credit provider had not lodged a default against me ever and that they had not contacted me directly. Totally outrageous! Not sure whether my credit score will be affected or recompensed once it has been removed....this whole industry is just outrageously regulated.:roll:

Link to post
Share on other sites
  • Replies 862
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Allwood

Allwood

Posted
Posted

It is completely unregulated, just look at what is happening at the moment with banks all over the world. Credit crunch and bank has caused that and next will be recession in the UK not only will peoples homes be repossess but they will be loosing their jobs as well, all banks greed fault.

 

What I have found out is how many bank have connections with other banks across Europe and indeed the world. We have no protection whatsoever from sharks like CRA's and DCA's and the banking industry.:evil:

Link to post
Share on other sites
BEC01

BEC01

Posted
Posted
It is completely unregulated, just look at what is happening at the moment with banks all over the world. Credit crunch and bank has caused that and next will be recession in the UK not only will peoples homes be repossess but they will be loosing their jobs as well, all banks greed fault.

 

What I have found out is how many bank have connections with other banks across Europe and indeed the world. We have no protection whatsoever from sharks like CRA's and DCA's and the banking industry.:evil:

So true.

I would be feeling that it is the banks getting their just deserves, except that it is going to destroy our way of life as we have known it post-war. It really is that serious. No government can bail this out - they are just making a show of it. They know things are way beyond saving.

 

What will happen - I don't know - history has never seen anything close to this before; and I include the great depression in that. This will be far, far worse :-(

Link to post
Share on other sites
Allwood

Allwood

Posted
Posted
A NOC isn't worth the paper it's printed on - most CRA credit checks are credit scored and are therefore unable to take any information in the NOC in to account.

 

Today I received my requested credit report from Equifax and it has a notice of correct regarding a search that I have complained to Information Commissioners Office about letting DCA's into my account without any authority. One of the DCA's was removed because Equifax confirmed in writing that they did not have any paperwork. However as mentioned above the other DCA trace is still on my credit report with the correct below:

 

The corrected is dated. 17/06/08 and it says:

 

NOTICE OF DISPUTE - THE INDIVIDUAL CONCERNED AS DISPUTED THE ACCURACY OF THE SEARCHES AT THIS ADDRESS AND WE HAVE NOW CONTACTED THE SUBSCRIBER CONCERNED. CARE SHOULD BE TAKEN WHEN USING DATA AT THIS ADDRESS TO ASSESS THE CREDITWORTHINESS OF TH INDIVIDUAL CONCERNED.

 

 

The above was inserted on 17 June 08 how long does it take for them to send an agreement but I know they do not have one as the OC has confirmed to me that they nothing on me regarding data save for old bank statements that I could not make head or tail of.

 

Should I contact Information Commissioners Office and asked what is going on as they have not acknowledge my letter of complaint to them but they have obviously contacted Equifax as they would not have put that correct on my report?:-?

Link to post
Share on other sites
foolishgirl

foolishgirl

Posted
Posted

Who put the default you are disputing on your creidt file Allwood - the OC or the DCA?

If it is the OC, it's them you must contact to remove the default; if the DCA, you need to send the DCA the OC's confirmation that they do not have a CCA & ask them to remove the default forthwith. If they refuse, besides the ICO (who will prob. take until the next century to act as they are snowed under) you can take legal action under the DPA against the DCA. An LBA should be enough to convince them!

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

Link to post
Share on other sites
Allwood

Allwood

Posted
Posted (edited)
Who put the default you are disputing on your creidt file Allwood - the OC or the DCA?

If it is the OC, it's them you must contact to remove the default; if the DCA, you need to send the DCA the OC's confirmation that they do not have a CCA & ask them to remove the default forthwith. If they refuse, besides the Information Commissioners Office (who will prob. take until the next century to act as they are snowed under) you can take legal action under the Data Protection Act against the DCA. An LBA should be enough to convince them!

 

Hi foolishgirl it was BCW that put the trace on my file, I even wrote to them last year for a CCA but they said that they would refer the matter to Thames but not hear anything from them. Surely CRA should not let their friends DCA's put traces on people credit file just on their word not any proof that there is allege debt.

 

I think I will send the letter to BCW and copy it to Equifax as well the Information Commissioners Office. In fact the OC lender has sent 3 letter confirming that they have send all they have on me by way of data in response to my S.A.R - (Subject Access Request). I will post the letters from OC later when I get a bit of time.

 

Actually, I think I will not send the confirmation to the DCA, I will send it to Equifax as they should not have allowed them into my personal data without my consent.:evil:

Edited by Allwood
Link to post
Share on other sites
finlander

finlander

Posted
  • Author
Posted

sorry you havnt heard from me for a while. Thanks for al the input here. the fight goes on and we have reached that stage when I have to stop posting details to prevent the enemy knowing the next stage and how not to fall into it.

 

good luck everybody and I wil let you know when the battle is won...

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

Link to post
Share on other sites
Hadituptohere

Hadituptohere

Posted
Posted

Good Luck finlander, lets hope theres no gagging clause in any deal done with the CRA's so you can come back and tell everyone. ;)

 

Hadituptohere

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites
Jesteruk

Jesteruk

Posted
Posted

Best of luck, ive too come to a stale mate with them,

i await the outcome

Halifax Bank - Owed £1599

23/3 - Data Protection Act sent

24/5 - Data Protection Act finally arrived

25/5 - Demand for repayment sent

04/10 Court bundle filed with court and Halifax

29/10 STAY ISSUED

JAN 08 - Currently being harrased by debt collectors!

Mar 08 - New DCA - Stopped in there tracks

Jun 08 - And another

Jul 08 - Complaint made to HBOS

Nov 08 - My accounts been sold to a DCA

Jan 09 - New complaint issued against HBOS

Mar 09 - Halifax re-aquired the debt

Apr 09 - Applying for Hardship.

 

at least they removed 2 defaults in selling accounts! :D

 

I dont not claim to know everything and any advice i give should be treated as MY opinion.

 

If ive been helpful tip the scales!

or better still

DONATE TO CAG - every tenner helps!

Link to post
Share on other sites
angel_1

angel_1

Posted
Posted

Good luck

 

yes they are everywhere,,,,,be careful watch your back and keep your next move secret,,,,just come back and give us good results! and hope!

 

ciao for now maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

Link to post
Share on other sites
Wirral

Wirral

Posted
Posted (edited)

Look what Experain put on their Terms and Conditions web page.

 

They are actually saying that the info they provide is useless. One must therefore presume that any written reports are not worth the paper they are written on. And don't they just love using that word "reasonable"

Im sure that this would not go down too well with a defamation case or libel case. If they cannot prove back up, or guarantee their own info they should'nt publish it in the first place.

How do most people get their reports or how do suppliers pass the information to them? At a guess I would say it's online over the the internet!!!

 

Guarantee

 

The content is only for general information, and we provide it as it becomes available. We take reasonable care to check that the content is accurate and complete before we publish it on the website. However, because we get the content from a number of different sources - and because of the issues involved with providing information through the Internet - we cannot guarantee that the content will always be accurate, available, complete or fit for any particular purpose.

Edited by Wirral
Link to post
Share on other sites
Sparkie1723

Sparkie1723

Posted
Posted

Reasonable care is not defined in law ....what they may think is reasonable does not mean a judge woud agree....its a mattter for interprtation ....and we all know what Experian mean by reasonable ....because they take what a supplier tells them is correct......that is reaonable care?????...I don't think so

 

sparkie

Link to post
Share on other sites
Wirral

Wirral

Posted
Posted
Reasonable care is not defined in law ....what they may think is reasonable does not mean a judge woud agree....its a mattter for interprtation ....and we all know what Experian mean by reasonable ....because they take what a supplier tells them is correct......that is reaonable care?????...I don't think so

 

sparkie

 

 

EXACTLY!

How many people have letters from them with "reasonable care" in it?

I've had at least 3.

Link to post
Share on other sites
Allwood

Allwood

Posted
Posted

No, the do care about joe public, all they are concerned about is their DCA's clients. One CRA let 2 organization into my personal data without my consent and had no authority into my file whatsoever.

 

Waiting to hear from ICO regarding this breach of data.:(

Link to post
Share on other sites
Sparkie1723

Sparkie1723

Posted
Posted
I think I might start putting that on any forms I fill in for banks or credit card companies :)

 

 

 

And add " The information I provide you with is correct as of todays date ....but my circumstances may change at any given time and therefore the reason for any innaccuracies that may occur in the future!!!!:D:cool:

 

sparkie

Link to post
Share on other sites
banker_rhymes_with

banker_rhymes_with

Posted
Posted

...we cannot guarantee that the content will always be accurate, available, complete or fit for any particular purpose.

 

The current banker created global financial catastrophe is complete proof how utterly pointless the CRAs have been since they first climbed out of the sewers to prostitute our Data.

 

Had they never existed, we'd still be neck deep in exactly the same Debt Industry poo as we now find ourselves.

 

Millions of Credit Checks and intrusive searches have had the square root of feck all protecting the very Debt Industry they claim to have been shielding from cash hungry irresponsible Consumers.

 

The banking Titanic floating on a sea of invisible number-money was going to hit the Pooberg no matter what. The CRAs just made the Ship smelly, unnecessarily costly and very unpleasant to sail in while it was still afloat.

 

The sad irony is the bankers, DCAs and CRAs have been given a £500 Billion Fleet of 1st Class Gin Palace Lifeboats to sail away on.

 

The rest of us, however, are stuck on board and are going down with the Ship.

 

Cheers,

BRW

Link to post
Share on other sites
foolishgirl

foolishgirl

Posted
Posted

 

The rest of us, however, are stuck on board and are going down with the Ship.

 

 

No, BRW, I'm in the CAG lifeboat & intent on surviving! :grin:

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

Link to post
Share on other sites
europa16

europa16

Posted
Posted

 

The banking Titanic floating on a sea of invisible number-money was going to hit the Pooberg no matter what. The CRAs just made the Ship smelly, unnecessarily costly and very unpleasant to sail in while it was still afloat.

 

 

 

LMAO. Brilliantly put, BRW :grin:

Link to post
Share on other sites
car2403

car2403

Posted
Posted
The current banker created global financial catastrophe is complete proof how utterly pointless the CRAs have been since they first climbed out of the sewers to prostitute our Data.

 

Had they never existed, we'd still be neck deep in exactly the same Debt Industry poo as we now find ourselves.

 

Millions of Credit Checks and intrusive searches have had the square root of feck all protecting the very Debt Industry they claim to have been shielding from cash hungry irresponsible Consumers.

 

The banking Titanic floating on a sea of invisible number-money was going to hit the Pooberg no matter what. The CRAs just made the Ship smelly, unnecessarily costly and very unpleasant to sail in while it was still afloat.

 

The sad irony is the bankers, DCAs and CRAs have been given a £500 Billion Fleet of 1st Class Gin Palace Lifeboats to sail away on.

 

The rest of us, however, are stuck on board and are going down with the Ship.

 

Cheers,

BRW

 

Don't forget that the credit checks are designed to protect the bank, and it's shareholders as a consequence of that, from unresponable lending.

 

Shame that caper didn't work out then, isn't it? :p

 

I wonder if they will start credit checking their brokers that perform billions of pounds of transactions a day with the same gusto, then? ;)

 

Link to post
Share on other sites
angel_1

angel_1

Posted
Posted
No, the do care about joe public, all they are concerned about is their DCA's clients. One CRA let 2 organization into my personal data without my consent and had no authority into my file whatsoever.

 

Waiting to hear from Information Commissioners Office regarding this breach of data.:(

 

 

hiya all

 

this has caught my eye,,,only asking as on my sars i got back for one of my creditors i noticed they had inputted my mortgage amount still owing, yet im pretty sure they didnt get that from me so, was it from my credit file do you all think?

 

thanks just trying to understand this a little more ta maz

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

Link to post
Share on other sites
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5406 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...