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    • is it voda that's put it back up or is it a debt buyer/dca? that bought the debt.? but no it should not be showing dx  
    • Hello, Im here in regards to a vodafone account from 2015. No payments made on the said vodafone from August 2015 Default Date 12th Dec 2015 . was left sat there untill it dropped off my credit file & thought no more of it . it did eventually drop off my credit file . all done & dusted & had no need to worry about my credit file. as if Vodafone would have written i would have sent them the SB letter.   so fast foward to yesterday 13/06/24 logged in to see my credit file & Bam vodafone appears same amount , same dates only thing that is different is instead of saying default its now on there as Delinquent !!! now my understanding was once a default drops from a credit file it cant be put back on or am i wrong ? so moving forward how would i deal with this ?   any help and advice would be great thank .   BTW i know the default date as back in 2019 i printed my credit report off , on that said report that i fished out today it gives me the default date , status history & Balance history.      
    • US signs ‘Israel style’ 10-year security deal with Ukraine INEWS.CO.UK It comes after G7 nations agreed to free up $50bn from Russia's frozen assets into a revenue stream for Ukraine  
    • Air regulators are investigating new issues with Boeing planes.View the full article
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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 
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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.
      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.
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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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VG - Vs Northen Rock - Charging Order


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is indeed frontloaded as the loanprotect was added to the loan

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Because there has been a lot of publicity about front loaded single premium policies in the press which all points in the consumers favour.

 

The FSA,FOS,CC have all been regulating against it also.

 

In fact the FOS has been upholding 80% of claims they have been dealing with and that is now rising.

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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That's good to hear pompey, you mentioned last night to right back and disagree with there fianl response, I'm useless at thistype of thing, I'll have a look at some threads on here to see if I can draft some type of letter together.

 

You're a star pompey.

 

Can I ask this, if in the end the complaint is upheld and any PPI is refunded does that mean the loan is questionable?

 

What I mean is I believe the loan was granted ONLY because PPI was taken out.

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They would have given you the impression that you could only take out the loan if you agreed to the PPI. Which is another nail in their coffin. A very definite No No to the powers that be.

 

Have you sent them a SAR?

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Well you are entitled by law to receive all the data they have about you, which would include details of how the loan/PPI were sold and if you are lucky you should get tape recordings. I would forget that they have said it is their full and final response and keep at them. After all, who are they to dictate to you?:mad:

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Hi Von Greenbach of the two green blobs:).

 

What did you say to them in your initial letter asking for the PPI to be refunded?

 

I am not sure if a SAR will help if they say the original phone call was not recorded. Probably a waste of a tenner. I can't help thinking that another letter, now that you have found out about the PPI being added to the initial loan is actually raising another issue therefore you are re-opening the case if you see what I mean.:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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VG- I compained to FOS nearly a year ago.

 

In November I got fed up waiting and took them to court for premiums and all interest plus judicial interest on top.

 

They settled out of court last week. The setlement cleared my entire "debt" (No CCA)

 

Check out my Morgan Stanley Barclaycard CCA thread.

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Hi Von Greenbach of the two green blobs:).

Woo hoo :grin:

 

I nw feel at home :eek: :grin:

What did you say to them in your initial letter asking for the PPI to be refunded?

It was a formal complaint saying that due to receiving a salary from work, and an onging medical condition from birth it was felt that PPI was mis sold.

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VG- I compained to FOS nearly a year ago.

 

In November I got fed up waiting and took them to court for premiums and all interest plus judicial interest on top.

 

They settled out of court last week. The setlement cleared my entire "debt" (No CCA)

 

Check out my Morgan Stanley Barclaycard CCA thread.

Hi noomill

 

How's you?

 

This complaint relates to my OH, we'd prefer not to go down the FOS route due to the time scale.

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There are no template letters or |POCs for PPI claims as every case is different. Have a look at the PoCs in my thread and see if you can adapt it for own situation. I too have a life long condition why was not asked about on the application form, which I did tick and sign!

 

Bit of a warning, my PoCs are not short, left no avenue of escape open and were intended to intimidate.

 

They worked.

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There are no template letters or |POCs for PPI claims as every case is different. Have a look at the PoCs in my thread and see if you can adapt it for own situation. I too have a life long condition why was not asked about on the application form, which I did tick and sign!

 

Bit of a warning, my PoCs are not short, left no avenue of escape open and were intended to intimidate.

 

They worked.

I'll take a look noomill and contact you if I may with any questions I have (which no doubt I will :grin:)

 

Shoud I go straight for the kill and issue a POC or should I give NR one more chance?

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I would give them one final chance, if nothing else it will save you the court fee.

 

Further to your letter of XX stating that this is your full and final response in this matter, I have since discovered that the insurance was added to the loan balance at its inception and that I have been charged interest from that date. I believe this reinforces my earlier claim and therefore do not consider the matter to be closed.

I am writing to request that the Payment Protection Insurance sold at the time the above loan was taken out be refunded in full to the account, and that interest which has accrued to date be similarly refunded. The amount of the insurance amounts to £, the interest charged to date is

The reasons for reclaiming are:

At no time was I told that PPI could be purchsed elsewhere to cover the loan

We were led to believe that Payment Protection Insurance was compulsory

We were misled into thinking that we would stand more chance of getting the loan if we took the Payment Protection Insurance

It was not explained to us that there were certain exclusions within the policy that could affect us.

The Payment Protection Insurance was added to the loan balance at the outset and at no time was it explained that there were PPI policies where you could pay monthly for substantially lower premiums and which would cover us for the whole term of the loan.

The terms & conditions of the insurance were not fully explained to us - from the tapes received the insurance has been mentioned in passing but no detailed explanation of what we were taking on was given. Additionally the calls where the matter was mentioned were made while both of us were at work and unable to discuss such private matters in any detail.

As we do not have any further information about the insurance we are still unable to successfully review the policy, however

We do not feel that our policy was sold fairly, reasonably and within our best interests so we wish to cancel this policy with immediate effect and require a full refund of the premium and associated interest to be made to our account.

If we do not receive a favourable response from you we will pursue this claim through the County Court without further communication.

 

 

This is the letter I sent FP - the first paragraph I have altered to suit your situation but you will need to alter it further. I do think you should go back to them.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Are they still charging you interest even though the loan is with a DMP?

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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