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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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    • 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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credit card debt - now in hands of debt collectors


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i have a sum of £1715 outstanding with citi mastercard, which i cannot pay due to being unemployed & on only £62 a week, i have just recieved a letter from citi cards terminating my agreement as i have failed to rectify the breach specified in the default notice they recently sent me, they now equire immediate payment of the balance.

 

head of collections.

 

i rang citi cards to see if they would take some kind of minimum payment which they refused & said that it has gone too far in arrears now & it is in the hands of debt collectors who will be calling me soon.

 

what can i do, i need advice please !!!

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Hi,

 

How old is the Card, are there any charges you could claim back.

 

I'll move this thread to the Citi Forum, you'll get help in there.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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A CCA request is made under section 78(1) Consumer Credit Act, and essentially is a request for a copy of the executed agreement you signed when you opened the account.

 

There are circumstances where an executed agreement misses something called prescribed terms, these are items such as listing a credit limit, rate of interest, repayment terms, cancellation rights and so forth.

 

If it is missing these, or is not set out as par the regulations a creditor could have extreme difficulty in obtaining an enforcement order through the courts.

 

The only problem is that Citi are not playing ball when it comes to CCA requests, instead preferring to ignore the law, regulations and its own code of conduct in sending out recent Terms & Conditions in reply to such requests.

 

OK, first thing, I would request a copy of the executed agreement under section 78(1) Consumer Credit Act - there is a copy in the templates library from memory.

 

It may also be worth having a word with Trading Standards, Citibank are a signatory to the banking code - they are meant to be understanding and help in instances where people are in genuine hardship such as yourself, if you explain the situation to trading standards and request their help they maybe able to assist you if a creditor is not meeting their obligations.

 

If you have no joy in that respect it may also be worth sending a complaint to the Office Of Fair Trading, as Citi seem to be operating in an unreasonable manner....

 

Hope this is of help.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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hi, i have looked in the templates for "copy of the executed agreement under section 78(1) Consumer Credit Act - there is a copy in the templates library from memory" but don't really know what i am looking for, could you please send me the link"

this would be a great help if you can do this for me..

 

thanks

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so with this CCa i am going to ask them for, what happens if they dont send it ? or if they say they do not have it ?

this is the first time in my 50 years i have been out of work & i hate it, i hate people chasing me for money when i have a mortgage to pay, 2 teenage kids at school, cars to run & all i get is £62 a week with the future looking bleak !

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If they dont send the executed agreement, they are not legally entitled to enforce the agreement against you at all - which would include requesting payment either in writing or over the phone. This has been confirmed to me in writing by the OFT.

 

That said, Citi being Citi will continue to enforce the agreement regardless which could have implications for your credit report.... obviously if they do as they have done to many of us they'll enter a default.

 

They are currently sending out recent Terms & Conditions out to honour s78(1) requests which is an invalid response, and does not discharge their duty under s78(1) CCA. It could have implications for their credit license as things have been moving behind the scenes.

 

What I would suggest is see what you get in return to the s78(1) CCA request.

 

It maybe worth having a word with Citizens advice about your situation, in as far as Citi not willing to help you out - they are a signatory of the banking code which outlines that they are meant to help customers in financial difficulty. I would also contact Trading Standards on this issue as well.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Hi kthmurrell

 

Welcome to the wonders of american credit card companies... compassion isnt in their vocab:(

 

Can you possibly scan and upload the default notice, editing out any personal info and post it on here... photobucket is the site most of us use.. it can be found here. Dont suppose you kept the envelope it came in did you?

 

Reason being they may have made an error prior to terminating the agreement and this could have serious implications for them IF the agreement does turn up and is enforceable.

 

PmW

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?action=view&current=002.jpg002.jpg picture by yid-old-boy - Photobucket

 

hope this comes out ok, this is all new to me !!!

 

thanks

 

Hi Kthmurrell, thats the termination notice... its the default notice we really need to see to ensure they crossed the t's and dotted the i's before terminating your agreement.

 

Also you may want to delete that scan, you've left the barcode in on the left hand side, I'm not sure but it may be your accountref with CITI for them to scan the letter when sending.

 

PmW

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Hi Mate, if you are having any difficulties, you can read my own thread as I battle with Citi - I have deliberately tried to keep my thread simple and straightforward so people can see what I have done and how they have replied. i have posted up full copies of my letters - perhaps you will find them of use?

 

First thing is first, knowledge is power in this game and you need to read up on even the basics. You need to understand how things work and then how you can go about getting there. very important to follow procedure and use correct language. Folks here are very knowledgeable and helpful; but you have to help yourself first!

 

Above all, remain positive...and welcome to The CAG! :D

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