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    • Should I go to see the CAB or something? I just don't think I have the strength or brain capacity to deal with all of this. The mess I have gotten myself into is bad enough and now this on top. My head hurts. What should I do?  It's all very horrible, I feel genuinely scared and stressed because of all this. I don't understand what is going on   I have raised a dispute with Santander to see if they have done something. I have just explained my situation, what is happening and that it all seems to have started when I told Santander I was struggling, had approached StepChange and transferred my direct debits etc to Starling. It was all going well with Starling, I actually really liked it, but now everything has just gone to !!!!!! and I feel sick to my stomach  
    • 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. 
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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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budget car insurance


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help. last year i had car ins with budget. WORST MISTAKE !!!

 

my partner also had car insurance with them.

 

i was paying by DD each month. in october my car was sorn as it needed repairing with no cash to do it so we were down to sharing our other car.

 

i heard nothing from budget until december when they send renewal notice which i rang them about and told them the price was way to high and that i would go elsewhere. therefore my policy was complete and i decided at the time it would be cheaper to be a named driver on our other car just until my car was fixed back on the road. my partner rang budget to request this and they told him that i couldnt be a named driver as i had points. but they had just insured me for a full year on my own policy. besides which my license is actually clean im just stuck in the 5 year thing where you have to declare points.

 

my parnter told them that was ludicrous and because of this he would have to go elsewhere so that i could be on the insurance. they told him he wasnt allowed and if he did that they would start chargin him cancellation fees of ridiculous amounts that changed with each different person he spke to. He told them that in effect they were holding him to ransom. they wouldnt provide what he required so he needed to go elsewhere to get that service but they would stink him heavily if he did so.??

 

anyway he told them to stuff it and cancelled. they are now trying to charge him the money that was left on the policy which is in dispute with DLC debt collection agency.

 

Just when we thought that we had started to get it sorted a letter dropped in for me from guess who.... BUDGET... in MARCH. telling me i oweed them £99 for unpaid installments, which i was not aware they had not recieved as i had no contact from them other than a renewal notice. I rang them on an 0870 number to be told that it wasnt their fault . they had just come across it and send the letter and i had to pay. i told them no way after the farse we had with them already and the fact that the letter says the policy was cancelled at my request. THE POLICY EXPIRED. i did not cancel it. and the fact that they offered my a renewal and i spoke with them and nothing was mentioned. and most of all i rung them the other day to get a copy if no claims proof as now with another insurer THE AA , probably another major mistake, and they sent it out no questions asked. then i got calls from debt collectors and i told them to get stuffed because i was disputing with budget. and now i have another letter EXACTLY the same as the march one saying i owe "£99. the letter states that if i have insured car elsewher they mite recude it so it is obviously just a threat to try and extract money from the customer. i either owe it or i dont. seem they make it up as go along once again.

 

i am at a loss rite now as to the next step ?? can anyone at all out there give me some sound advice that will tell budget to get lost ???

 

i refuse to pay them anything as this is there mess up not mine......!!!!!

:oops:customer is alwaze rite...... :p:confused:
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just thought i would say to those out there who are having hassle with car insurance after cancelling , we had a result !! budget have waivered my partners outstanding balance as a gesture of goodwill (that old chestnut)...... still trying to sort the other.

 

so let the battle commence!!

just goes to show that persistence and standing up for yourself does work !! :p

:oops:customer is alwaze rite...... :p:confused:
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