Jump to content


  • Tweets

  • Posts

    • So, why do DVLA (via that leaflet) say 1) that S.88 MAY allow a driver to be treated as if they have a valid licence (after an application that discloses a medical condition) AND   2) before DVLA have reached their licensing decision ? (Since S.88 ceases to apply once they have reached a decision to grant or refuse a licence)
    • Thanks for that, Bazza. It sheds some more light on things but I’m still by no means sure of the OP’s father’s likelihood of successfully defending the charge. This in particular from the guidance stands out me: He does not meet all the s88 criteria. S88 is clear and unambiguous: It makes no provision for either the driver or a medical professional to make a judgement on his fitness to drive under s88. S92(4) and the June 2013 guidance you mention defines in what circumstances the SoS must issue a licence. It does no modify s88 in any way. However, delving further I have noticed that the DVLA provides a service where the driver can enter a relevant medical condition to obtain the correct documentation to apply for a licence: https://www.gov.uk/health-conditions-and-driving/find-condition-online I haven’t followed this through because I don’ have the answers that the OP’s father would give to the questions they will ask and in any case it requires the input of personal information and I don’t want to cause complications with my driving licence. It is possible, however, that the end result (apart from providing the necessary forms) is a “Yes/No” answer to whether the driver can continue to drive (courtesy of s88). With that in mind, I should think at  the very least the OP’s father should have completed that process but there is no mention that he has. The Sleep Apnoea Trust gives some useful guidance on driving and SA: https://sleep-apnoea-trust.org/driving-and-sleep-apnoea/detailed-guidance-to-uk-drivers-with-sleep-apnoea/ I know nothing about SA at all and found It interesting to learn that there are various “grades” of the condition. But the significant thing which struck me is that it is only the least trivial version that does not require a driver to report his condition to the DVLA. But more significant than that is that the SA Trust makes no mention of continuing to drive once the condition has been reported. The danger here is that the court will simply deconstruct s88 and reach the same conclusion that I have. I accept, having looked at the DVLA guidance, that there may be (as far as they are concerned) scope for s88 to apply contrary to the conditions stated in the legislation. Firstly, we don’ know whether there is and secondly we don’t know whether the OP’s father would qualify to take advantage of it. Of course he could argue that he need no have reported his condition. The SA trust certainly emphasises that the condition should not be reported until a formal detailed diagnosis is obtained. But the fact is he did report it. As soon as he does that, as far as I can see,  s88 is no longer available to him. Certainly as it stands I maintain my opinion that he was not allowed to continue driving under s88. The only way I would change this is to see the end result of the DVLA exercise I mentioned above. If that said he could continue driving he would have a defence to the charge. Without it I am not confident.  
    • Americans are already keen on UK-made coins, and the Mint said it has seen a 118 per cent increase in sales to the US since 2022.View the full article
    • Right, my friend has just called me. He has indeed had to cancel bookings in the past from his end. There is a specific number for Booking.com that he calls.   After that Booking.com jump into action and contact you re refund and/or alternative accommodation. I suppose it's all logical - the party cancelling the booking has to inform Booking.com. So the gite owner needs to contact Booking.com on the cancellation number.
  • 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

Vodafone Dispute regarding default/late payments


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5399 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 all,

 

I had a vodafone account in 2004/2005 which ended in a dispute because I had been overcharged. I raised a dispute with them and they ultimately sent my account to westcott without taking any notice. I contacted westcott and told them that I had been overcharged and then after contacting vodafone several times they took the overcharge off and the account was settled.

 

I looked at my experian credit file some months ago as I was turned down for credit cards and I hadn't had any issues with credit in the past and was surprised to see a default on the old vodafone account on there. I raised this with creditexpert/experian who in turn raised it with vodafone. First time round vodafone said I was at fault and did nothing. I repeated this process a couple of months ago and vodafone removed the default, however replaced it with 5 months worth of late payments, which I believe will stay on my credit file for 6 years.

 

I queried this through experian/creditexpert and the response received from vodafone was that they only removed the default as a goodwill gesture, which I dispute - it was their error which caused the overcharge in the first place and the fact that they refunded and settled the account back in 2005 alongside the fact that they removed the default proves this.

 

I am concerned that this account on my credit file will have negatiove impact on my credit rating/access to credit. I have been advised by creditexpert that there is nothing more that they can do and that I must write directly to vodafone.

 

I have 2 questions:

 

1. What is the best way to get this resolved once and for all ie get the late payments removed from my credit file?

2. What impact do late payments have on a credit file?

 

Many thanks for your help

Link to post
Share on other sites

Hi all,

 

I had a vodafone account in 2004/2005 which ended in a dispute because I had been overcharged. I raised a dispute with them and they ultimately sent my account to westcott without taking any notice. I contacted westcott and told them that I had been overcharged and then after contacting vodafone several times they took the overcharge off and the account was settled.

 

I looked at my experian credit file some months ago as I was turned down for credit cards and I hadn't had any issues with credit in the past and was surprised to see a default on the old vodafone account on there. I raised this with creditexpert/experian who in turn raised it with vodafone. First time round vodafone said I was at fault and did nothing. I repeated this process a couple of months ago and vodafone removed the default, however replaced it with 5 months worth of late payments, which I believe will stay on my credit file for 6 years.

 

I queried this through experian/creditexpert and the response received from vodafone was that they only removed the default as a goodwill gesture, which I dispute - it was their error which caused the overcharge in the first place and the fact that they refunded and settled the account back in 2005 alongside the fact that they removed the default proves this.

 

I am concerned that this account on my credit file will have negatiove impact on my credit rating/access to credit. I have been advised by creditexpert that there is nothing more that they can do and that I must write directly to vodafone.

 

I have 2 questions:

 

1. What is the best way to get this resolved once and for all ie get the late payments removed from my credit file?

2. What impact do late payments have on a credit file?

 

Many thanks for your help

 

You need to send a letter to Vodaphone and insist that they remove the negative credit markets otherwise you will issue a summons for damages to your credit rating. Take a look at the attached Durkin case which you will be able to use.

18. RICHARD DURKIN v DSG RETAIL LIMITED and HFC BANK PLC.pdf

  • Haha 1
Link to post
Share on other sites

Many thanks Monty - I am getting really concerned having now read on other websites that late payments over 90 days are the same, if not worse than, bankruptcies on your credit file and it does not matter that they occurred historically.

 

I had a quick look at the case you posted and it is completely relevent, however it does seem that the applicant in that case had lots of supplementary information and a basis for calculating his loss - can I just use that case as a precedent in my argument and state that they are at fault with the result that my credit rating is damaged and I am being restricted access to credit?

 

Why do companies like vodafone have such a crazy approach to matters like this and their staff act completely uncompassionately??

Link to post
Share on other sites

Many thanks Monty - I am getting really concerned having now read on other websites that late payments over 90 days are the same, if not worse than, bankruptcies on your credit file and it does not matter that they occurred historically.

 

I had a quick look at the case you posted and it is completely relevent, however it does seem that the applicant in that case had lots of supplementary information and a basis for calculating his loss - can I just use that case as a precedent in my argument and state that they are at fault with the result that my credit rating is damaged and I am being restricted access to credit?

 

Why do companies like vodafone have such a crazy approach to matters like this and their staff act completely uncompassionately??

 

Your credit rating has been compromised, Durkin had a bunch of expert withnessed who were able to quantify loss, you wont need to go that far;)

Link to post
Share on other sites

  • 2 weeks later...

Hi neshah

 

I can understand your concerns in this matter and I'd like to offer you my help to investigate this for you.

 

Send me an from the Contact Us form with all the details, a link to this thread and WRT135 in the body of the text (so it is routed straight to my team) and I'll get in touch as soon as possible.

 

Thanks

 

Kirsty

Web Relations Team

Vodafone UK

Link to post
Share on other sites

Hi neshah

 

I can understand your concerns in this matter and I'd like to offer you my help to investigate this for you.

 

Send me an from the Contact Us form with all the details, a link to this thread and WRT135 in the body of the text (so it is routed straight to my team) and I'll get in touch as soon as possible.

 

Thanks

 

Kirsty

Web Relations Team

Vodafone UK

 

I have had the same problem for the last five years. The orginal dispute was that my phone was stolen which I cancelled immediatley and I moved house. I contacted vodaphone by telephone on numerous occasions to request a new detailed statement to be sent to my new address but to no avail. Then I received a default notice from Westcot three months later(i think they were called) and promptly paid the outstanding amount.

 

A while later I found out I had a default recorded against me although it shows as satified.

 

I tried the letter on removal of a default notice but was told in so many words "we do not have to supply you this information and although you did contact us by letter and telephone we are not looking back on our records. You didnt pay so you must accept the consequence"

 

A bit harsh considering I was contacting them to request a statement that i could look at to ensure that no calls were logged after I reported it stolen ,which they kept sending the statements/letters to my old address. (i know this as the mail was forwarded onto the estate agent who then sent back to vodaphone). However I did not receive a notice from Vodaphone only the debt collection company.

 

 

I now find I am in the position of having to obtain a credit reference for work purposes.All my other accounts have been paid on time/settled before they are due for the last seven years.

 

Would it be worth pursuing or leaving as there is only one more year to go ?

 

Also can this affect my works request (now being made a signatory)

 

Thanks

Link to post
Share on other sites

Your Vodafone default will be shown as a statement of fact (it was owend but now paid) so will not be removed unless in error in some way. As for your firm checking your file (or indeed anyone else) whether if will affect you will depend on the criteria they have established, however I think it will be unlikely.

Link to post
Share on other sites

Your Vodafone default will be shown as a statement of fact (it was owend but now paid) so will not be removed unless in error in some way. As for your firm checking your file (or indeed anyone else) whether if will affect you will depend on the criteria they have established, however I think it will be unlikely.

 

 

Thanks for the reply , however its a barclays credit reference for being made co secretary for my firm.not the firm doing the check. Cant see how it will affect anything as I am already a signatory and dont think that personal history can affect anything.

Link to post
Share on other sites

Your Vodafone default will be shown as a statement of fact (it was owend but now paid) so will not be removed unless in error in some way. As for your firm checking your file (or indeed anyone else) whether if will affect you will depend on the criteria they have established, however I think it will be unlikely.

 

That may well be the case. The time will soon come when more people challenged these CRA marks which for a minor oversight can have a devastating effect on the ability to get both secured (i.e. mortgage) and non-secured credit at competitive prices.

 

The case of Durkin will be used more as we start to challenge these.;)

Link to post
Share on other sites

Durkin only covers a very limited area, and is hardly relevant here. There is no rejection that (a) the OP gave his agreement for disclosure, and (b) the data held is accurate.

 

Durkin repudiated his contract befoe inception, and the finance house refused to take the appropriate action. Durkin's ruling is useful - but not for people who are simply unhappy at the disclosure wich is otherwise accurate.

Link to post
Share on other sites

Durkin only covers a very limited area, and is hardly relevant here. There is no rejection that (a) the OP gave his agreement for disclosure, and (b) the data held is accurate.

 

Durkin repudiated his contract befoe inception, and the finance house refused to take the appropriate action. Durkin's ruling is useful - but not for people who are simply unhappy at the disclosure wich is otherwise accurate.

 

You forgot to mention the massive damages that he was awarded through damages to his credit rating.

Link to post
Share on other sites

You forgot to mention the massive damages that he was awarded through damages to his credit rating.

 

No I didn't, becasue that too is completely irrelevant to the OP, and to the point you are trying to make. Durkinn wasn;r awarded damages because of what was said on his credit file. The estoppel and latches part of his claim arose due to an actual loss he could prove when trying to juggle his finances using 0% interest credit cards, and the way he was managing his affairs by using the tactic of juggling his credit card debts. This made it fairly easy to quantify what he should have been charges and what he was ultimately charges because of the erroneous information.

 

Since these cards and now just a memory, his way of working isn;t relevant today. Even so, if he HADN'T been buying property he could not have proven actual loss. So, suggesting that there is the possibility of damages because of an incorrect credit file entry (and I don;t think this is relevant to the OP) the chances of 'substantial damages' would be wishful thinking.

 

The CRA's will carry on as before, correcting data tht is in error without liability. It is the firm that places the wrong data on file that will be liable, and you have to be able to prove ACTUAL loss, not pluck a figure out the air.

Link to post
Share on other sites

No I didn't, becasue that too is completely irrelevant to the OP, and to the point you are trying to make. Durkinn wasn;r awarded damages because of what was said on his credit file. The estoppel and latches part of his claim arose due to an actual loss he could prove when trying to juggle his finances using 0% interest credit cards, and the way he was managing his affairs by using the tactic of juggling his credit card debts. This made it fairly easy to quantify what he should have been charges and what he was ultimately charges because of the erroneous information.

 

Since these cards and now just a memory, his way of working isn;t relevant today. Even so, if he HADN'T been buying property he could not have proven actual loss. So, suggesting that there is the possibility of damages because of an incorrect credit file entry (and I don;t think this is relevant to the OP) the chances of 'substantial damages' would be wishful thinking.

 

The CRA's will carry on as before, correcting data tht is in error without liability. It is the firm that places the wrong data on file that will be liable, and you have to be able to prove ACTUAL loss, not pluck a figure out the air.

 

Not so sure about that........there are cases where mistakes are being made to peoples credit files which have huge consequential losses for them as per Durkin. His losses were from from compromised property purchases, increased APR's etc.

 

Durkin proved actual loss and instructed expert witnesses to quantify such.

Link to post
Share on other sites

Durkin could quantify his loss, and the finance house (not the CRA) fell liable. None of this, of course, has any relevance to the OP as this is not an issue here.

 

If you've found any cases were a CRA has been found financially liable (and had to pay a data subject, I'lm all ears - but so far have found nothing. :(

Link to post
Share on other sites

Durkin could quantify his loss, and the finance house (not the CRA) fell liable. None of this, of course, has any relevance to the OP as this is not an issue here.

 

If you've found any cases were a CRA has been found financially liable (and had to pay a data subject, I'lm all ears - but so far have found nothing. :(

 

There will be some and a good chance it will be in the Scottish courts.

Link to post
Share on other sites

Well I can't fine one. Only Durkin, and he's irrelevant here. So unless you can provide something firm to work from, rather than a possibility, we'll just have to err on the cautious side and say there isn't.

Link to post
Share on other sites

Hi neshah

 

I can understand your concerns in this matter and I'd like to offer you my help to investigate this for you.

 

Send me an from the Contact Us form with all the details, a link to this thread and WRT135 in the body of the text (so it is routed straight to my team) and I'll get in touch as soon as possible.

 

Thanks

 

Kirsty

Web Relations Team

Vodafone UK

 

Hi Kirsty, thaks for your prior response.

 

I have sent an email via your webform, as you suggested, nearly 2 weeks ago and am yet to hear anything at all. I did receive an autoreply a couple of days after saying I would get a response within 5 working days.

 

Its commendable for Vodafone/your team to provide this facility however it is slightly frustrating that there is no feedback at all.

 

Please advise whether you have received and what the next steps are, or alternatively how I can follow up.

 

Many thanks

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...