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    • is it voda that's put it back up or is it a debt buyer/dca? that bought the debt.? but no it should not be showing dx  
    • Hello, Im here in regards to a vodafone account from 2015. No payments made on the said vodafone from August 2015 Default Date 12th Dec 2015 . was left sat there untill it dropped off my credit file & thought no more of it . it did eventually drop off my credit file . all done & dusted & had no need to worry about my credit file. as if Vodafone would have written i would have sent them the SB letter.   so fast foward to yesterday 13/06/24 logged in to see my credit file & Bam vodafone appears same amount , same dates only thing that is different is instead of saying default its now on there as Delinquent !!! now my understanding was once a default drops from a credit file it cant be put back on or am i wrong ? so moving forward how would i deal with this ?   any help and advice would be great thank .   BTW i know the default date as back in 2019 i printed my credit report off , on that said report that i fished out today it gives me the default date , status history & Balance history.      
    • US signs ‘Israel style’ 10-year security deal with Ukraine INEWS.CO.UK It comes after G7 nations agreed to free up $50bn from Russia's frozen assets into a revenue stream for Ukraine  
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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.

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      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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flapjackboy vs Halifax


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Well, after finding out about the ruling by the OFT and finding this site I have decided to claim back all my fees from the Halifax.

 

I sent off my SAR letter today to get the information about all the charges on my account sent to me and left the Post Office with a big grin on my face, imagining the look on the face of the Halifax employee who opens it and thinks "Oh no, not another customer wanting to claim his charges back!"

 

Payback feels gooood.

S.A.R - (Subject Access Request) letter sent 04/09/06, awaiting reply.

 

Statements arrived 11/11/06 along with cover letter apologising for going over Data Protection Act time limit and promising to refund DPA fee, prelim letter sent out same day.

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Just checked online with the post office and my SAR letter has arrived, so just have to await the statements.

S.A.R - (Subject Access Request) letter sent 04/09/06, awaiting reply.

 

Statements arrived 11/11/06 along with cover letter apologising for going over Data Protection Act time limit and promising to refund DPA fee, prelim letter sent out same day.

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Good luck

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Well, the Halifax took another £90 in charges from my account and by doing so, scuppered completely my plans to go to a BBQ that I was looking forward to as I wasn't able to attend the one last year. (any guesses as to why?)

 

One of the traditions at these events is the destruction of old, broken office equipment in tribute to the greatest film of all time, 'Office Space'. So, to cheer myself up after this bombshell, I asked those that were there to stick a Halifax logo on one of the bits of kit scheduled for destruction.

 

And here's the pics:

 

TSC UK BBQ - 9th-10th September 2006

S.A.R - (Subject Access Request) letter sent 04/09/06, awaiting reply.

 

Statements arrived 11/11/06 along with cover letter apologising for going over Data Protection Act time limit and promising to refund DPA fee, prelim letter sent out same day.

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I hope the Halifax pay you otherwise you will be puter less lol

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Nah don't worry, it was all broken kit that got destroyed and none of it was mine. Still, was good to see something with their logo on it destroyed, even if it wasn't actually owned by them.

S.A.R - (Subject Access Request) letter sent 04/09/06, awaiting reply.

 

Statements arrived 11/11/06 along with cover letter apologising for going over Data Protection Act time limit and promising to refund DPA fee, prelim letter sent out same day.

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  • 1 month later...

Update time.

 

I received my statements by recorded delivery today, roughly a month past deadline along with a cover letter apologising for the screw up and saying that they'll refund the £10 Data Protection Act fee for me.

 

I entered all the charges into the spreadsheet and the total came out at:

 

£1706.82

 

Will be sending off my prelim letter later today, so hopefully I'll get a result just before Christmas.

S.A.R - (Subject Access Request) letter sent 04/09/06, awaiting reply.

 

Statements arrived 11/11/06 along with cover letter apologising for going over Data Protection Act time limit and promising to refund DPA fee, prelim letter sent out same day.

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  • 2 months later...

Well, got a letter from them today offering £1678, which was so close that I rang them up and haggled with them. They had placed further charges on my account since my claim started and that had taken the amount up to £1880 but I said make it a straight £1700 and I'll consider it settled.

S.A.R - (Subject Access Request) letter sent 04/09/06, awaiting reply.

 

Statements arrived 11/11/06 along with cover letter apologising for going over Data Protection Act time limit and promising to refund DPA fee, prelim letter sent out same day.

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Not yet, Layla. I've got to send the acceptance form off first, but the money is pretty much in the bank, so to speak.

S.A.R - (Subject Access Request) letter sent 04/09/06, awaiting reply.

 

Statements arrived 11/11/06 along with cover letter apologising for going over Data Protection Act time limit and promising to refund DPA fee, prelim letter sent out same day.

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