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    • he may be using a different name but cars and vans/vans and cars it’s all the same Gerard Bird/Gerry Bird/G Bird aka Gurdip Singh Virdi He is still doing the same thing, operating from the same premises at 101a Longford, I’m guessing during Covid they got the great idea to rip people off remotely and charge people for the pleasure. they now deliver cars that are shocking quality and refuse to even accept the issues you find. Then Gaslight you into thinking your the problem and call you an idiot for buying a used car instead of a new one. Buyers beware this thread is vitally important     
    • Changes to China's state secrets law requires internet firms to monitor information shared by users.View the full article
    • The only way to verify whether there is any financial reward for the management is seeing the agreement. That would be required during disclosure IF court proceedings went ahead... Unless you could bring pressure to bear and get a copy?
    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
    • The airline says it is investigating reports that customers can view other passengers' personal information.View the full article
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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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    • 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.
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      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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Are speed credit anything to do with mini credit


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I was just wondering as i saw the term microlend

not as far as I can see

 

Speed credit are a trading name of

 

MCO Capital Ltd.

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are mini credit too?

 

Not as far as I can tell

Minicredit are a trading name of Microcredit ltd.

They also have another trading name: Minicashloans.Co.Uk

 

nothing to do with speedcredit

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Speed credit are owned by Toothfairy finance, who I've found to be the worst of a bad bunch.

 

Hi

Can you post up where you got this info from. No need for links as I can do that.

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http://www.consumeractiongroup.co.uk/forum/showthread.php?306836-toothfairy-payday-loan-unfair-treatment-and-threats/page5

 

Please see post #96 (20 Oct) and not the first I've seen TFF referenced to Speed Credit

just one of many wild hunches then?

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Hmm! interesting as on the OFT website they have censured Tooth Fairy for using too many names and upon checking the OFT CC Licence Speed Credit are not among the trading names used by the holding company CIM Technology

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Thats interesting then

Ahhh, just remembered where else I'm sure I've seen it!!!

 

Blog stated on Toothfairy by 'The Dentist' called Tackling the Toothfairy

Don't want to post anything up due to some of the nature given on it

Edited by asmilecostsnothing
add name site

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“Nothing in this world can take the place of persistence.”

 

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Toothfairy are Speed-E-Credit, not Speedcredit...

 

If you have a link to the website of Speed-E-Credit can you PM it to me. I can't seem to find it on google

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The website doesn't exist, this is one area the OFT are looking at, all these registered PDL companies claiming they are not trading and suddenly taking 'customers' to court.

 

A payday lender should only have one trading name per licence - that is one of the OFT's objectives, a specific licence covering payday lending.

 

You would be surprised how many PDL companies are registered simply as 'other business' on Companies House website!

 

I suspect there is a bit of the old 'phoenix' companies going on, get hold of a company name that hasn't traded for a couple of years, change it and then strip the assets bare and put it into administration/liquidation or close it down completely.

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ToothFairy (who have a Companies House registration in their own name as opposed to CIM Tech) have got about 20 trading names already and approx another 30 pending

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Which should be illegal, they should only have one company in the PDL field, otherwise it is a travesty, this does need to be communicated to MP Stella Creasy as quickly as possible, I am sure she can do something about this 'toothless' company bringing consumers into even more debt.

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