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    • Thank you for that i thought id just ask as i was unsure.  Just hope its returned to me and doesnt spend the rest of its life going back and forth to Singapore  
    • Thanks @lolerz. I've attached it to the post. What do you think? What's the organ grinder? NTK.pdf
    • I'm afraid that if the value of the item was under declared then that is probably the best that you can hope for. Also, because the item was incorrectly addressed – even by a single letter, if that because the issue relating to the delivery then that has probably compounded the problem. There is probably very little that can be done. If you are lucky you will get the item back and then you can start again and declare it properly. Undervaluing parcels which are sent by any means is always going to cause a problem if the item is lost or damaged. It may mean that the cost of delivery is slightly less – but at the end of the day the risk becomes yours. When you enter into any kind of contract, effectively you declare it a level of risk to your contracting partner – and they decide to enter into the contract with you based on that level of risk. You have declared a level of risk and £50 – and that's the deal.   Additionally, undervaluing an item which is an internationally has the effect also of evading customs and any VAT system which is in force in that country – and that makes the whole thing a little bit more serious
    • Perfect. Nice and brief and to the point. You don't bother to start telling your life story. Just the way it should be. Send it off. You have probably done enough reading to understand that it won't make any difference don't start drafting your particulars of claim. Open an account with the MoneyClaim County Court system and start preparing. Post your particulars of claim here before you click it off. You may have noticed that at some point you will be asked if you want to go to mediation on this. We used to advise it but now we recommend that you decline mediation and go to trial. Your chances of success are much better than 95%. Going to trial will incur an additional hearing fee but of course you will get that back. However if you go to mediation, they will simply try to penny pinch and to get you to compromise and also they will sign you up to a confidentiality agreement and probably threaten you if you breach it. Not only that, if the mediation fails because you stand your ground, it will add additional delay while they then give you a date to go to trial. The best thing to do is to decline mediation – prepare for court hearing. Pay the extra fee. The chances are that rather than get a judgement against them they will then offer you a full settlement rather than go to court. If they do offer you full settlement then you will be obliged to accept it – but that's what you want. If they don't offer you full settlement then you will go to trial and there will be a judgement against them. Just so that you understand, our first interest is that you get your money back – but a close second is that it does go to trial and there is a judgement which we will then be able to use to help other people. Anyway as you should realise, we will help you all the way.
    • I sent a parcel to Singapore but i spelt the address incorrecltly by 1 letter so the parcel couldnt be delivered and was returned back to the Uk but checking the tracking today the parcel had returned to the UK but is somehow on its way back to Singapore as the tracking says "Item leaving the UK"    Ive spoken ( tweeted) Royal Mail help who confirm that the parcel seems to be going back to Singapore and that if its not " Delivered" by the 29th of April theyll deem it as lost and will accept a claim but i cant remeber when booking what the compensation amount was but i dont think it covers the amount of the item.  As it was my fault that it wasnt delivered in the first place can i trey and claim the full amount back ? i think if i remember correctly it was £50 compensation but the item was £170 So the timeline is thus ...   22nd Of March .    Booked via P2G & dropped off a Post Office.  25th March arrives in Singapore and goes through customs ect ect 26th   Incorrect address and item is flagged as "return to sender" 28th Item leaves Overseas intenational processing centre 15th of April , Item is leaving the Uk (Again)   ?    
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    • 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
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HFO Litigation Letters & monument debt


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No you can't coledog..........i had the free one. Ccancelled before the thirty days were up.

 

I applied again for the free one a couple of months ago with expeirian,because i had already signed up to it..........they refused.

 

I was expected to pay £14.95 a month........it's rip off.

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No you can't coledog..........i had the free one. Ccancelled before the thirty days were up.

 

I applied again for the free one a couple of months ago with expeirian,because i had already signed up to it..........they refused.

 

I was expected to pay £14.95 a month........it's rip off.

 

It's expensive, not sure if it's a rip off though. They do a £7 per month version (don't tell you till you try and cancel) and that comes with everything except the identity fraud insurance A.F.A.I.R

Andrew

 

Escaped the DCA nightmare, now helping others start businesses

www.ukleakdetection.co.uk

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Need to call them i think because it just tells me i am registered and use my email address i registered with.

 

But i dont know what that was.

 

Received an email from them saying they cannot trace my registration application and i need to supply name, address..

 

AND.. you guessed it the email address i signed up with originally.

 

Not tried equifax and call credit. Are these the same reports? Free trial that turns into they have taken money before you have noticed?

 

Thanks.

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  • 1 month later...

Still having issues with creditexpert. Tried the noddle initially not accepting new members then i got an email.

 

Thoughts of joy soon vanished when it asked for credit card details...

 

CE keep sending me emails to join them for a free trial but cant get past the email address and password.

 

A bit later than expected the calls have started again today. I had been expecting them for a couple of weeks now.

Maybe they have enough in the kitty for the xmas bonuses and the party bubbly?

 

Either way, Still nothing from me. I know you guys must bang your heads against the wall when people like me

ask for help yet dont do the tasks given.

 

Sorry.

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I was also registered with experian on the 30 day free trial which hs expired, they also wanted my details, however you can still obtain your £2.00 stat credit file without having to re-new the online membership, I have just done it and now have my log in details to view my file.

 

http://www.experian.co.uk/consumer/statutory-report.html follow the link to obtain file for £2.00

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With Noddle, they only need the CC for verification, and they will accept a debit card, even the £12 (if it still mentions it) is not taken just that is the old form. If you have been acceeepted onto Noddle it is free, I've been using it for months. And they will accept membership without a phone number.

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  • 4 months later...

Sorry to dissapoint but i have still been ignoring them.

 

Robscum (spelling)?? have started again also. Still being lazy and have not

got my credit report yet.

 

Few family problems since my last posts, Not a good ending but thats nothing to do with this.

 

Anyway with my best guess its 8 months left for them before they are statute barred.

 

Reason for my post today, My GF just tried opening a bank account and got refused Coop and TSB both. No reason given.

 

If she was a named card holder on my credit cards would this be why she got refused? She only had a PO account to collect child allowance and tax credits.

No other credit history. Nothing ever seems to arrive in her name. Which does now seem strange.

Rented property in both names and council tax in both names.

 

Seems rather strange as i still get CC application forms. What idiots would ever lend me money again?? Well i have learnt a big lesson and im not stupid enough to take them up ever again.

 

What does she need to do? Any help/advice?

 

Thanks.

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Sorry to dissapoint but i have still been ignoring them.

 

Robscum (spelling)?? have started again also. Still being lazy and have not

got my credit report yet.

 

Few family problems since my last posts, Not a good ending but thats nothing to do with this.

 

Anyway with my best guess its 8 months left for them before they are statute barred.

 

Reason for my post today, My GF just tried opening a bank account and got refused Coop and TSB both. No reason given.

 

If she was a named card holder on my credit cards would this be why she got refused? She only had a PO account to collect child allowance and tax credits.

No other credit history. Nothing ever seems to arrive in her name. Which does now seem strange.

Rented property in both names and council tax in both names.

 

Seems rather strange as i still get CC application forms. What idiots would ever lend me money again?? Well i have learnt a big lesson and im not stupid enough to take them up ever again.

 

What does she need to do? Any help/advice?

 

Thanks.

 

She will be able to get an account with the COOP if she asks for a cashminder account - it has the same function as a normal current account but you are unable to go into overdraft - or have any kind of credit facility - but you can use it to set up DD's etc. and comes with a debit card.

 

Nat West do a similar account but i can not remember what it is called.

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Agree - she should be able to get a 'Basic' account

 

It would be worth you both getting hold of your credit reports to find out what exactly is on there

 

Have your heard anything from HFO or Roxburge whoc are now chasing some of these accounts?

Please support CAG and they will support you.

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Only the same threat letters, We might or may take you to court etc etc..

 

Robs.. Last chance before we consider taking you to court and our paperboy with muscles will

call, if you dont contact us. This is the 1st letter i have had for some time from them.

 

OK not their wording but my interpretation.

 

Puzzled as to why she cannot open an account, Also she never gets CC offers etc.

 

We have lived here for about 20 years. Dont think i have ever seen anything credit wise offered in her name.

 

How can she get some form of credit history so that she can at least open a bank account?

 

So apply for credit reports for both of us, I really must sort that. But everytime i think about it another family

issue happens.

Me being lazy doesnt help i guess.

 

All this because they made threats and were unhelpful when i 1st contacted them to say i couldnt afford to pay them the full amount.

 

Thanks guys, I know im a pain in the butt and seems like i dont listen, But i am. But the ignore it option still seems to work.

 

Please dont ignore me.

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Not ignoring you at all - please make sure that you keep all correspondence and envelopes, even though you are not responding.Your priority payments and life will always come before the threats of DCAs so do not worry about it.

 

Do try and get Experian and Equifax credit reports for self and partner - £2 standard postal ones will do, these can be very revealing and may help you to understand what is going on here!

Please support CAG and they will support you.

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You wull not find out why she has issues getting an account untill you get a copy of your credit file.

 

Regards Opening a Bank Account - you have to ask for the basic account - the coop one is called the cashminder account Here is link to it.

 

http://www.co-operativebank.co.uk/servlet/Satellite/1193206368743,CFSweb/Page/Bank-CurrentAccounts

 

here is a link to the Nat West basic account.

 

http://www.natwest.com/personal/current-accounts/g1/basic-account.ashx

 

But remember you have to ask for the basic account or they will process the appliction for a normal current account.

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I heard that before, People being refused because the bank didnt process for the basic account.

 

Seemed to be a bit hit and miss.

 

It's because they assume you require a normal current account - they don't get a bonus for opening a basic one.

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  • 1 month later...

OK FINALLY i got my credit report. Maybe i made a booby though?

 

I used equifax not experian, Does that matter?

 

Nothing listed under court information, So i guess thats a good sign. Several companies still do regular checks on me.

Cabot debt listed twice for some reason?

 

I think i just clicked as to how to tell when i last paid. Green = paid on time. Yellow 1 = 1 or 2=2 missed payments and

a 4 = 4 months+ missed. Printers playing up and not very clear.

 

Seems like Sept 2006 = yellow 1's across the board. Default dates from October 2006 to April 2007.

 

Couple say settled. One says reassigned but not to who. Other says settled?

 

Thanks for putting up with me.

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Done Experian. Had a better look and its a bit confusing. I thought it would have original CC company data then some mention

of the company they sold it to if any.

 

But it seems like some items are not there, One collection letter said i owed nearly £10,000. Yet my biggest CC

credit limit was £6000. So i assume thats £3000+ worth of charges and interest?

 

One says assigned yet, Does not state who its assigned to.

 

Another letter from Lowells, But the figure does not match anything on my credit file?

 

Lowells still check my credit file, 3 times in 10 days last year, Usually every few months.

Says unrecorded enquiry. A few odd searches from insurance companies.

 

So what is the important date? Last payment or default date? Looking like last payments were around Sept

2006. Some defaulted Sept/Oct 2006 others upto April 2007.

 

Thanks.

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Last payment date is the key. Debts become SB 6 years (5 if you reside in Scotland) after the last missed payment so this is normally one month after the last payment was made for monthly accounts. Looks like Sept/Oct is the key but beware of creditors trying to bump this by issuing court proceedings just before!

Please support CAG and they will support you.

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Well im in the same situation, I have nothing to offer them. So it would take years to reclaim even the court fees.

 

If one did decide to take me to court, Would the fact there are several other companies all asking for money impact on that?

 

Not sure if everything is on the report. Im sure there are some missing? Or maybe the amounts are not correct?

 

Thanks.

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