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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
      • 162 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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Hi

 

I defaulted on a personal loan in Aug 2008 for £11,400. I have now paid off most of the default amount and only owe £3401.

 

After reading on this site, I was wondering.....even if I pay off the remaining £3401, the default will stay on my credit file for another 2 years until Aug 2014.

 

I am now in the position to pay the remaining amount, but was wondering if this is the best option. I would very much like a mortgage, will I have to still wait 2 years?

 

Also, will my credit rating and score immediately improve once the deafult has gone? Does only settled defaults drop off after 6 years.

 

Would really appreciate some help, before I pay the final amounts.

Many thanks

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Defaults settled or not auto drop off your CRF after 6 years.

 

So out of the initial loan of £11400 you now only have £3401 left to pay?

 

Once you have paid your dues then this will be reflected on your CRF to state settled.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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if you are in the position to settle the loan

 

try dangling a fish with it..

 

i'll clear the loan now if you will remove all neg data so i can get a mortgage..

 

sometines works

DO IT IN WRITING though.

 

you indicate you defaulted.....

 

you prob then have lots of charges for late/letter/phone?

 

and poss PPI ?

 

all these can be reclaimed

 

who was the loan with?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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hiya, loan was with hsbc, so i had missed and late payments with this loan. My other accounts are all in good shape, and I have only this one default. Yep, I only have £3401 left to pay now. I didnt take PPI out with this loan.

 

Do you think it is worth asking hsbc, "if i pay the full amount can the default be removed"

 

Just dont know if it is worth paying £3401 or sticking it in the bank and waiting 2years....i suppose it will look betted if my account is settled?

 

cheers

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quite honestly i'd ask the question

i am prepared to clear the loan

however i am not will to do so unless you remove ALL negative data recorded against the loan

as i wish to attain a mortgage soon

 

 

would you please help me.?

 

i doubt they'll do it

but no harm in asking by LETTER.

 

as for the charges - GET RECLAIMING!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Have you asked them if they will remove all adverse data from your file if you pay them the money owed?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I have just spoken to them and they will not remove the default or data......boo! But, they will settle for £2500 a 25% discount. They said my credit report will read "partially settled" and "final payment and sum received" - and I will received a certificate of satisfaction from them for future lenders.

 

What do you think? should i go for it?

 

thanks

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You have to ask yourself why they will give you a 25% discount?

There is something wrong there, there are either charges that have been added and can be reclaimed, or they have duff paperwork.

 

If you do decide it is something you wish to pursue, then talking to them over the phone and making a verbal agreement won't cut the mustard, it needs to be in writing.

 

IMO if they won't mark your file as settled, then wait for it to drop off and look at this in greater detail as no-one offers discounts unless there is something wrong with it.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I agrree there must be a reason for a hefty

discount.

Bella you asked in an earlier post if your

credit report will dramatically improve when

the deafult is removed, the simple answer is no.

Credit scoring is used by lenders who all have

their in house systems your credit file is just

a relatively small part bof the overall system.

Residence stability, Electoral Roll, public information

eg CCJs, together with a minimum of three years

stable incident free credit history, (some lenders now

look for six years history, also the credit ''SCORE''

is basically an indicator for the individual and again

plays but a small part in the lending decision.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I would suggest putting your offer of a full and Final

Settlement in writing, often on phoning you are not in

contact with a person who can take this kind of decision,

make sure you state clearly that the offer is made on

condition that your credit file is cleared.

Take a look at the banks website and get the name

of the retail banking director and send your offer to them.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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IF you are trying to clear a bad CRA file

then partial settlement is viewed as bad as a CCJ to many lenders

 

waste of money

 

give them the option

 

accept my offer with its conditions

or its

£1PCM till i die!!

 

[you wont actually do that

but the treat often works

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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