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    • Ok so Starling came back to me and said they have made some changes on my account and I should now be able to use the 'switch' option. I have a Monzo account which I opened when I opened the Starling account, but I have not used it as yet because I was happy with Starling. I feel like I am seriously running out of options. If Monzo do the same as Startling and let me set up all my direct debits and standing orders etc and then tell me they're closing my account in so many months, what do I do then? Where do I get a bank account?  I have applied to Nationwide, got the account set up and all the details etc. Then today received an email saying sorry they were not going ahead with the account and it would be closed today. They didn't give me the option of a super basic account. I have tried RBS and Co-op too and they basically did and said the same.  I feel like a leper or something. I have only defaulted on my loans one month. It hasn't even shown up on my credit report yet, but these knock backs are definitely to do with my credit score because RBS said " Unfortunately, having made those checks we are unable to proceed with opening your account at this stage."  I don't know what to do.  I did open a Co-operative account and have all the details and even a debit card, but when I'm trying to register for online/mobile banking it is just saying for security reasons the account is locked and to call this number, which I managed to get through to the other day after holding for an hour. I am on hold again now but with what's happened with Nationwide and RBS, I am not feeling particularly optimistic. Any advice on where to go or what to do next? x
    • Thanks for coming back and letting us know.  This is much appreciated because sadly most people don't. We have a new Alliance case which has pushed me to look at old cases.  The good news is that, for all their bluster, Alliance have never had the bottle to take a Cagger to court. Please do come back though if they ever send you a Letter of Claim.
    • Thanks for this update. Well done it's a good result. Typical of this company EVRi – they dangle you around for over a year and then tried a quibble to try and save a few quid – but actually it's not about saving money it's about saving face. I don't see why they bother to save face because they have no shame. They were prepared to smash up your mother's birthday and then refused to pay you out a paltry 75 quid or so – even though they know full well that you have third-party rights and they know full well that the little insurance scam is contrary to section 57 and section 72 of the Consumer Rights Act. I wonder what they would do if it was their own mothers? Well done for standing your ground. Well done for resisting mediation which would simply have added an extra stage to the process and of course they would then have threatened you to keep quiet if you revealed what had happened. You can see they are desperate to avoid further judgements against them. They know that what they are doing is unlawful but it is making them huge profits and they don't want to rock the boat! Hopefully you have learned enough that if this kind of thing happens again with EVRi or any other company, you will feel confident about taking it forward although of course we will be here to help you and support you as you need. Thank you for the donation. I am sending you an email about this.  
    • A final update on my claim against EVRi: In October Evri offered to settle excluding court costs which I declined.  I made a counter offer to waive interest if they would cover loss plus court costs which they declined. I repeated this offer last month and they accepted with the result that I received full pay out of my claim today.  Thank you to CAG for guiding me through the process.  It is clear that with your help, persistence and a little patience a satisfactory result can be achieved. I have made a donation in thanks for your assistance.  
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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.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Halifax loans/accounts and bank of Scotland loan


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Where do i start,

 

in March 2010 i wrote to all my creditors to request that there closed all my accounts as i had seeked a debt management plan which was about to be set up,

( this plan has been in place since April 2010 )

 

since this date, reduced payments have been made to ALL my creditors through my debt management company, which might i add, was set up free through debt line.

 

Since the plan started, i was bombarded with daily phone calls, which after many months there have now near stopped, however the charges been applied to ALL the accounts continue to be added every month, 10.00 per phone call, 30.00 per letter, 50.00 default notices the list is endless and the accounts are not been lowered by the payments been made, infact all the accounts have gone up to what i owed. over the last 4 months, £1743.21 has been added in charges this doesn't include the intrest that continues to be added every month.

 

The debt management company, has informed me that there have requested charges etc to be stopped, however this isn't happening, and the repayments i do make, are not covering the charges let alone taking anything from the debt itself.

 

I have done everything in writing, even the requests i made back in March, when i contacted all my creditors, informing them of my monetary difficulties, and the plan been set up, and requesting closeures of all accounts.

 

I am about to write again to all the creditors but want to seek peoples thoughts on this matter, and if any follow any ideas from you, before i write the letters.

If you require more information, do reply or private me and i will do my best to give more info upon request.

 

I have kept all letters sent to all creditors and all replys from them.

I'm just seeking guidance before trying once again to get the accounts closed and charges stopped and if possible interest.

 

Many thanks in advance.

 

Just going through the mountain of letters, getting them in some kind of better order, i have found two letters, stating that the banks have terminated two of my accounts, back in may and june, yet there continue to add charges and intrest?

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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  • 2 weeks later...

Have managed today to get two accounts, charges stopped as of AUG but there state that charges up to and including aug 10th will stand, i am again wrioting aletter to ask that these are removed. the dmp company don't seem to be helping in getting the charges and intrest stopped, there only seem intrested in the monthly plan payment that there distribute to the creditors on my behalf. i have noted that Ablion and blair are part of the halifax, so am writing to them also that way i know leters will be read.

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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