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    • I suggest that you write to the breeder immediately with a copy to the court and concede the cost of the puppy and also concede the excess costs for bringing that element of the claim. you will simply be conceding two points which frankly I don't think you can possibly win and it means that you're left with claims which are entirely winnable. Moreover the gesture of having written to the breeder making these concessions will show that you have tried hard to avoid litigation  and trouble and inconvenience to the court. even if the breeder refuses it, it will go to your credit that you have done this.    
    • Thank you. At this point I'm not sure how right or wrong I am.    But based on our conversation this evening I have gone back to the breeder via message and pointed out to them that I offer them one final chance to settle at 900 pounds.    They informed me their vets only said this treatment would cost 500. The same vets who don't notice a puppy who cant open his eyes.    And they are willing to settle at 500 as a gesture of good will. Ha! And this is why they wanted to mediate  to put this offer over. I advised that we wouldn't take less than 900 as a settlement. They arent interested.   I had to be quick as the money we used is our savings for some private health treatment we need to back in our banks by next month so really left me no choice but to bite the bullet and try and get this solved sooner rather than later     I appreciate your advice and hope the courts understand the full picture. 
    • Sorry for the additional post, I couldn't edit.   In Nolans letter uploaded in post #48, is that sufficient NOA? or does it have to be provided by the OC or Cabot?
    • After a brief consultation, the Financial Conduct Authority has now confirmed the tailored support measures for overdraft and consumer credit users affected by Covid-19. View the full article
    • Don't bother with the police. It won't get you anywhere and it's just a load of hassle. Your target will be Hermes. Get screenshots and evidence of everything and monitor this thread for a  fuller reply tomorrow   Please tell us more information. The value of the parcel, it's contents,  and dates
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

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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.

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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

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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.

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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.?

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  • 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...

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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

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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.

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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

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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

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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.

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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

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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.

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  • 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

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