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    • Ok Thank you DX will do just that . will keep you up dated.
    • dispute it with whichever cra provider is now showing it. simply state the a/c is from 2015 and was defaulted (date) and should not have re appeared. probably getting ready to sell it on. dx
    • Hi Caught Shoplifting at John Lewis - Retail loss Prevention/Other shoplifting allegations. - Consumer Action Group Thanks a lot for commenting this experience of yours. I do understand this might be something that you are not willing to talk about anymore but the same exact scenario happened with me today at John Lewis. They took my name/ address/ a picture of me holding a signed banned letter. the only questions I've got are... will I be contacted by the police will this be recorded as police caution or criminal record?  I would really really appreciate if you could let me know how it went.  I am so so so ashamed of myself and am really making changes in my life I feel like I've lost myself for a period of my life but anyways it would be really great to hear back. Thanks 
    • I thought Delinquent ment "missing payments" its active so assumimg it can be seen ? also this is the only thing change on my credit file and that in its self being re added has dropped my credit score . the debt is SB and did drop off my credit file so how have or how can they re add it again ?
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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.
      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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Landlords wanting nice tenants please read


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Mum and i are looking to rent somewhere and thought maybe this might be a way to get ahead.

 

Problem being (as many will know from my threads) my credit file is screwed up and Estate Agents don't want to know but in the past we have found a place by advertising for an Honest Landlord looking for Honest Tenants so trying that method again.

 

Landlord would have to accept housing benefit (on income support/Carers Allowance looking after frail old mum long term) but we could get a pre-tenancy determination to see what the DSS would pay as to not waste each others time.

 

Requirements:

 

£500-£600 a month

 

2 bed house or bungalow, rural country location, quiet surroundings as we are quiet people, off road parking and must have a private (non-comunual) garden as i like to grow my own veggies. Doesn't have to be big but no Court yard type please. Lucky prospective landlord will get free pepper and chilli plants for term of tenancy. :)

 

References:

Personal, current estate agent and current Landlord I'm sure would give us a good reference. We have been here for 5 years now.

Currently renting on a monthly basis *due 28th* so would be able to give a month notice but would prefer signing a tenancy agreement before the moving out day rather than waiting to sign up after we have burnt our bridges so to speak.

 

Can decorate a bit if needed (I was a joiner for a while and have renovated 2 properties in the past).

 

Area:

 

West of Newbury.. east of bath area. Quite flexible but have added a map of the general area.

 

I have been researching the family tree and they came from Bucklebury, Berks so to be within driving distance of that (compared to Devon) would be really useful. Also have family and cousins further inland.

 

Would be a long term let (unless property prices fall to £10k for a detached house!) ;)

 

Thanks for looking.

Davey

 

newbury-GoogleMaps.jpg

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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  • 1 month later...

Still struggling to find somewhere. Estate agents don't even bother replying and often don't update their website for weeks making you think they have properties available when actually they have gone. Promises to send out a property list don't materialise. Bet if i said i had £300k in cash to buy they wouldn't ignore me quite so easily lol

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Best wishes to you, Davey. I wish I could help. :-(

 

My brother and SIL are going through the same kind of hassle at the moment and it is horrendous, so you and your mum have all my sympathy.

 

I don't suppose your local authority/Shelter can help?

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Thanks Bookwoom :)

 

Well, we are quite lucky really, nice street, nice gardens, nice landlord so not in dire straights and there are people out there a lot worse off and deserve to go to the top of the Local Authority list before us for sure.

 

Personally i think estate agents/landlords are discriminating when they state 'no assisted income/DSS' but that's another battle.

 

Might put that ad in a paper.. that worked once before. We'll get there in the end. just frustrating more than disheartening.

 

Onwards and upwards

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Personally i think estate agents/landlords are discriminating when they state 'no assisted income/DSS' but that's another battle.

 

Sorry about your situation, and I am not intimating that you are one of these, but the reality is that many tenants on benefits don't pay their rent and can cost landlords thousands of pounds. This is fact. It is the Landlord who decides not to accept a tenant on benefits, not the agent.

 

The whole situation has been made worse by the government deciding (BUT ONLY IN THE CASE OF PRIVATE LANDLORDS) that housing benefits be paid direct to the tenant. They then spend the money on something else, and the landlord ends up with a tenant who lives in their property for months paying no rent and costing a fortune to evict.

 

If you were in my area, I might, just might, consider you as a tenant, but I would have to be persuaded that this would not be a decision I would come to regret!

Kentish Lass

Information given is based on my knowledge and experience and is not to be considered as legal advice

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Dave, if you have any cash available, it might be worth suggesting to a potential LL that you are willing to pay 3 months rent in advance.

 

I had the same problem when I left my ex-husband, that most LL wont look at HB tenants. But if you offer them rent in advance, they are somewhat reassured that you will respect their property and are unlikely to lapse on your rent.

If you find my post helpful please click on the scales at the top. Thank you

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hi davey

 

shame your not looking in suffolk, my cousin is looking for a good tennant, she has had some really bad ones

 

good luck

 

claire

 

Thanks Claire,

 

awww shame.. well tell your cousin to sell up and buy something in berkshire or wiltshire then contact me lol (don't ask much do !) :D

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Share on other sites

Dave, if you have any cash available, it might be worth suggesting to a potential LL that you are willing to pay 3 months rent in advance.

 

I had the same problem when I left my ex-husband, that most LL wont look at HB tenants. But if you offer them rent in advance, they are somewhat reassured that you will respect their property and are unlikely to lapse on your rent.

 

Thanks.. yes cash flow is a bit of a problem but you're right, having extra for another month or two wouldn't hurt.

Issue om hitting up against at the mo seems to be that a poor credit file stops any chances at getting a place but i'll keep putting those 20 pence pieces in the jam jar all the same. :cool:

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Dave are you sure you would fail a credit check?

My hubby and me have both got crap credit history and have never been turned down

 

That's a good point there Callumsgram.. I haven't actually been through the procedure of going after a property to such a degree that the agent has instigated formal checks.

I know that some i have asked re credit check have stated they use an outside agency to give them a detailed credit worthiness report so that put me off somewhat knwoing how many defaults i have these days.

 

Never know til i try though to be sure..

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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That's a good point there Callumsgram.. I haven't actually been through the procedure of going after a property to such a degree that the agent has instigated formal checks.

I know that some i have asked re credit check have stated they use an outside agency to give them a detailed credit worthiness report so that put me off somewhat knwoing how many defaults i have these days.

 

Never know til i try though to be sure..

Well there you go then lol

It might be worth you going to an agent and ask if he'll run a check for you, i believe it costs about £35 each but at least you'll know what you're up against

Think about advertising on gumtree and in freeads for the area you are looking to live in

;)

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I did ask a couple about tenant requirements with a poor credit file and they said any blemish on a credit file would mean they require a guarantor :(

 

Yeah sure.. could ask them to do a trial run as it were (without having a property to go for) and see what comes back. I might be pleasantly surprised.

Then i just need to find an agent that doesn't think most on carers allowance/benefits are dodgy :)

 

I'll sort those adds out!

 

Got to get out of Devon that's for sure!

Cheers

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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