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    • I see that at the start of your thread you said they hadn't sent a Letter of Claim.  And in fact in all the uploaded material there is no LoC.  This is great news.  Even were you to lose - you won't - the judge would chop off a chunk of the money for their non-respect of PAPLOC. However, I'm a bit confused as you've named the file name as a SAR.  Are you sure about this?  Did you send any other letters apart from the one dx advised which was a CPR request (not a SAR) to DCBL (not Group Nexus).  I'm not being pernickety, this will be important for your Witness Statement further down the line.
    • I didn’t say it wouldn’t. That is not the issue here. To continue driving after the licence has expired (under s88), the driver must have submitted a “qualifying application”.  An application disclosing a relevant medical condition (of which sleep apnoea is one) is not a “qualifying application”, This means the driver cannot take advantage of s88 and must wait for the DVLA to make its decision before resuming driving. The driver’s belief is irrelevant. The fact that a licence was eventually granted may mitigate the offence, but  does it does not provide a defence. But this driver didn’t meet the conditions. I explained why in my earlier post. He only meets the conditions if his application does not declare a relevant medical condition. His did. As I explained, after his birthday he did not hold a licence that could be revoked. In my view it doesn’t matter what it says. The offence is committed because his application declared a medical condition. Meanwhile his licence expired and s88 is not available to him. The GP letter would form part of the material the DVLA would use to complete their investigations. But until those enquiries are completed he could not drive. The offence does not carry points or a disqualification (because a licence could have been held by your father). It only carries a fine and the guideline is half a week’s net income. If he pleads guilty that fine will be reduced by a third. He will also pay a surcharge of 40% of that fine. But the big difference is prosecution costs: a guilty plea will see costs of about £90 ordered whilst being convicted following a trial will see costs in the region of £600.
    • I'd recommend getting a new thread started about this. Let us help!
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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.

      Please can you advise what I need to do today to get this done. 
       

      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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CallCredit asking for more info. Why?


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Applied for my £2 report from Callcredit.

 

Eventually got a letter back saying that "due to our strict data protection principles, we require evidence that confirms your residence at your current address."

 

They want 2 forms of ID from: council tax demand, bank statement, CC statement, mortgage statement, utility bill, firearms certificate.

 

Surely my name + my address = my crf.

 

And seeing as I am asking for it to be sent to my name at my address, that should be enough right?

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Are you on the Electoral Role at your address. If you are not on it, they can't verify your name and address. If you are on the Electoral Role, then you should be able to get your report no problem.

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Agreed but CC are some time difficult to deal with.

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Agreed and usually out of date and incomplete!!!

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they have nice pebble shaped payment markers though

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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AS some on said you can't polish a tu*rd:lol:

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  • 4 weeks later...

they are proving to be quite irksome :-x

 

The only thing on their list I have is a bank statement, so I sent that, my birth certificate (which shows my current address, as I now live back with the 'rents), along with my latest NiCo bill and tax notification from HMRC (as i'm S.E.)

 

Apparently not good enough for them. I rang them up and the rep said that I could resend the info and they would look at it again, but "if the identification is not acceptable, we would be unable to provide you with the product you have requested."

 

I thought I had the right to see the info?

 

Surely they can't just say 'no' for any reason?!

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What a load idiots, if you are not you why would you want the information:madgrin:

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I know, right?! I mean, I think I'm quite fantastic, but even if I had a stalker who thought so too, they wouldn't go so far as to get my CRF! :lol:

 

Its the - "if the identification is not acceptable, we would be unable to provide you with the product you have requested" - bit that is bugging me as I thought they had to provide the info.

 

I gather CC are viewed as the 'poor man's cra' (in my opinion, not necessarily the opinion of cag, its owners or affiliates) but I really wanna see what info they have, especially after the (erroneous) bad stuff I found on my Equifax report.

 

The credit card I wanna apply for, the site shows that they use callcredit (along with the other 2), so I want to make sure all is spotless before I apply so I get a good rate/limit.

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I find this rather suspicious when I did my first check with them, all the asked for was a copy of my photo card l

driving license and a copy of the paper part

Perhaps they haven't got any thing on you and want to make up an entry to send you, my file with them was desperately

out of date and accounts not reported at all.

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Applied for my £2 report from Callcredit.

 

Eventually got a letter back saying that "due to our strict data protection principles, we require evidence that confirms your residence at your current address."

 

They want 2 forms of ID from: council tax demand, bank statement, CC statement, mortgage statement, utility bill, firearms certificate.

 

Surely my name + my address = my crf.

 

And seeing as I am asking for it to be sent to my name at my address, that should be enough right?

 

:lol: :lol: :lol:

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PRATTS send them some ''monographed'' bog paper for DNA tests:madgrin:

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Always one a bit of OTT-ness I rang the ICO.

 

Lovely lady Patricia told me to just send a bank statement and a letter informing them that I didn't have any of their other 'acceptable documents', and to ring them back if I get no joy.

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As for my bank statement - might as well send the bog paper:madgrin:

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I had similar with Creditexpert, AND got my money back by mentioning I was in touch with myself on CAG... guy did an about face and money got returned very promptly.

 

I think this happens when they haven't updated your file in yonks and gives them some breathing space. Stuff apparently doesn't 'automatically' fall off unless they set their system to do so, and in this day and age they have more files on older systems lying 'dormant' that they don't bother with.

 

It really is a huge minefield out there, whilst they happily accept incoming data from the DCAswithout any backup they do not like US to request our OWN data without verification in triplicate.

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Creditexpert was no problem, equifax were only marginally annoying but sorted out after 1 phone call, and even quite fast at rectifying an error (sorry! but they were)

 

I kinda hope I do get to ring Patricia again. Amazing accent.. Couldn't be more northern if she was in the Arctic :D

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  • 4 weeks later...

So it's been over 3 weeks since I sent callcretins every piece of info about me that exists, and had nothing back.

 

Have rang a couple times and was told it would be 'processing'.

 

Out of interest, I went on their website as I'd read about their new free access thingy, couldn't find any links to it anywhere, so I thought I might sign up for their 'callcreditcheck' ongoing monthly service.

 

Odd though, the price is nowhere to be found. It's not on any page. I reckon its probably shown after you fill in all your personal info, but I'd rather know upfront.

 

Anyone know how much it is? And is there a free trial thingy?

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The new fee service seems troublesome to access.

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Out of interest, I went on their website as I'd read about their new free access thingy, couldn't find any links to it anywhere, so I thought I might sign up for their 'callcreditcheck' ongoing monthly service.

 

Odd though, the price is nowhere to be found. It's not on any page. I reckon its probably shown after you fill in all your personal info, but I'd rather know upfront.

 

Anyone know how much it is? And is there a free trial thingy?

 

It's called Noddle, you can sign up here:

https://www.noddle.co.uk/?gclid=CIiizKWh_KkCFYENtAodwjmLPg

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Just had another look,message is they are still testing and are not ready

to operate yet.

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