Jump to content


  • Tweets

  • Posts

  • Our picks

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

Egg / Capquest / Credit File Problem!!!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5400 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

Hi

 

CCA'd Capquest re: Egg card. The account has been closed their end after my arguing as they could not provide CCA that I requestd.

 

In my August 2008 Experian Report, the DEFAULT date on this debt was stated as being 25/02/2003

 

Today, I re-joined Experian to check the defaults had dropped off but now, the credit file shows a new DEFAULT date of 27/02/2004 against this entry.

 

Initial reaction - what the f***!!! How can default dates change and how do I dispute. I printed off my Aug 2008 credit report so I know I'm not hallucinating.

 

:mad:

 

Can someone help me - I don't know how to go about disputing this?

 

Thanks

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

Hi

 

It's not that it's a new file appeared on my report - it's the same details as last August and my reports before then, it's just the date on the default date has changed?

 

How do I find out who amended the details? Surely Experian can't amend the information and if they do - can't they smell a rat???

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

Hi

 

If I am to contact Experian, does anyone have a good address - I can't find any of the info I need from them on the site!

 

Is there a letter I should use, or is anyone able to advise what I should put in the letter (recorded delivery I assume)

 

Thanks x

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

Hi, Did you send for your Experian Report by post, or did you apply online? If you enquired and go your Report online you can e-mail them directly from the site. I have a similar problem, I believe I may have up to 3 seperate entries relating to the same alleged debt and I have requested further information. You may even be able to join their site without requesting your report. This would probably be the quickest way to get an answer.

 

www.experian.co.uk

Link to post
Share on other sites

  • 3 weeks later...

Hi

 

I disputed the entry details on my credit file (as the information was due to disappear earlier this year, but quite amazingly has now had an additional year added after i got rid of capquest).

 

Experian were helpful enough to dispute the details, but i got an email from them, stating:

 

Further to our recent correspondence, we have been contacted by Citi and Egg (C6) who have advised us that they are unable to amend/delete the entry in question at the current time.

>

> Citi and Egg has requested that you contact them directly on 08451 233 233 regarding this matter. You may wish to include with your correspondence any documentation to support your comments.

>

> The following 'Notice of Dispute' will remain on your report for 28 days. It will then be removed, unless we receive further notification from you:

>

> "THE CONSUMER HAS DISPUTED THE ACCURACY OF THIS ENTRY AND WE HAVE THEREFORE ASKED THE PROVIDER TO INVESTIGATE IT. GIVEN THAT THIS DATA IS DISPUTED, PLEASE TAKE CARE IF MAKING AN ASSESSMENT OF ANY KIND THAT MAY INCLUDE THIS DATA."

>

> Experian is unable to amend this information without the authorisation of the company in question.

>

> Kind regards

>

What do you think I should do now?

 

Should I write to Egg/Citigroup (and what do I write to them?)

I've had no dialog with them for years as they passed the debt onto capquest and i've had the displeasure of dealing with them instead.

 

All a bit corrupt feeling.... any advice / letter templates gratefully appreciated!!

 

Thanks

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

Yes!! I've got them:

 

1) on line - experian save all the credit files that you download and

2) on paper - I printed out one last August (2008) so I could mark off what was what and double check details.

 

I knew that this Egg one was due to drop off my file, so when I went to check a couple of weeks ago, I saw that the original default date had changed from 2003 to 2004....

 

:mad:

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

that helps your case big time

 

contact egg and ask for an explanation or a report will be sent to the fos and ico

 

do you have a copy of the original default notice

 

HOLD EVERY THING

 

complain to experian in writing

 

give them the ref numbers of the two credit files and request an explanation

 

they have a duty to make sure the data is correct,

 

again mention the ico

 

if no joy, then go to egg for an explanation

 

experian have to decide with in 28 days or remove the entry

 

do an online dispute with experian

 

have you checked equifax/call credit

Link to post
Share on other sites

Hi

 

I don't have the original default notice - back then my way of dealing with debts was to chuck the paperwork in the bin.... silly me.

 

I've not checked equifax - i've been tight and didn't want to pay twice but I guess I should huh!!!

 

All other debts that I defaulted of that time were 2003, not 2004...

 

Any good advice on what to say in these letters to FOS and Egg and Experian?

 

Thank you

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

OK

 

Cool. So i'll write to Egg and Experian, stating both references of my experian report and ask them to explain why the info has been changed and threaten them with FOS...

 

And to correct it...

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

i would send egg a sar to begin with

dont mention the default or a copy of the default notice might go missing

 

do a complaint with experian though

 

give them the two credit file ref numbers

before and after

 

you may not have to do battle with egg

Link to post
Share on other sites

  • 3 months later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...