Jump to content


  • Tweets

  • Posts

    • Hi dx, thanks. Yes actually, that is the case with this one! I've taken tomorrow off work, I need to review the whole binder for each of these and I'll refrain from further questions until I do just that. Just on hold for court ref Claim #2
    • 1. who knows... 2. not the whole A/C vanishes from your file on the DN's 6th b'day ...already carefully explain this. 3.yes 4.already carefully explain this.
    • if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
  • Recommended Topics

  • 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
  • Recommended Topics

Toasted v A & L


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5246 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

New to the site. Thanks for the info on this site, very useful. I was not made aware of the oft test case by the financial ombudsman last week when i complained. A and L have placed a default on my credit file for non payment of fees made up entirely of bank charges imposed on a dormant account . I have given them until monday to remove it or face court proceedings. Will keep you posted.

Link to post
Share on other sites

Hello and Welcome, Toasted.

 

I'll move your post and mine to start a new thread for you in the A&L Forum.

 

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

Link to post
Share on other sites

spoke to A&L this morning. They will not lift the default notice on my credit file despite the 'debt' being made up entirely of back charges. I have requested my data from them on the phone. Should i make this request by letter so i can prove it. They conveniently dont have an email.... My question is, i am ready to make an application to the court but will the courts make them remove the default until the test case is resolved? The banks have achieved a stay on claims, will the courts confer the same benefit to account holders who want a stay on defaults?

Otherwise there doesnt seem much point in applying.

Link to post
Share on other sites

Forgot to say, they account has been closed by A&L and the 'Debts" written off. They wont even give me the opportunity to pay the disputed charges to clear the default (obviously on a without prejudice basis) Experian have registered a 'disputed 'note to the entry, should i still write and put them on notice.?

Link to post
Share on other sites

  • 3 weeks later...

I thought i would update you all. I am in communication with experian regarding their dissemination of wrong information on my credit file. it seems that section 13(6) of the banking code does not apply to non default marks. My file is marked with 3+ late payment mark. However, as my late payments were in excess of 6 months, according to the information commisioners guidance, it must be marked as a default rather than a non default. its back with Experian for their further consideration..... I am cautiously optimistic...

Link to post
Share on other sites

Keep us posted, good luck.

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

Link to post
Share on other sites

It seems that some lenders are marking credit files with late payment markers rather than as a default, as this would prevent borrowers from getting protection under section 13(6) of the banking code ie. that the matter is in dispute and should not be referred. If anyone is having this problem, get in touch, i may be able to help you.

Link to post
Share on other sites

It seems that some lenders are marking credit files with late payment markers rather than as a default, as this would prevent borrowers from getting protection under section 13(6) of the banking code ie. that the matter is in dispute and should not be referred. If anyone is having this problem, get in touch, i may be able to help you.

 

How?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

hi, do you have a non default mark against your credit file? how many months missed payments do you have?

 

0 and 0, but it was a strange comment to make that is why I asked the question how.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

because i have done a lot of research on non default marks against credit files which i can pass on to others in this situation. Not so strange perhaps.

OK, cool, can you post it up?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

yes, but to just identify sources does not really help much when circumstances vary so much. Mainly from the Banking code - guidance for subscribers and cross referencing to the Information Commisioner's guidance, particularly with reference to what constitutes a 'default'.

 

Happy to help anyone who might need specific info for their case.

Link to post
Share on other sites

  • 4 months later...

SUCCESS! A and L have backed down and removed the three late payment markers following the service of my amended particulars of claim. They did this the day before their defence was due. My credit rating is now restored to its former glory.

 

I obtained a lot of help and advice from this site and will be making a donation.

 

Thanks to everyone.

 

Toasty

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...