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    • Thousands more passengers could face delays or cancellations after an arson attack on France's train network on Friday.View the full article
    • you never use or give an email  2nd class stamp with free proof of posting from any po counter dx
    • Much appreciated for the ammendment. The snottier the better right!   What I am assuming is that this response is to be posted to Gladstones? However, I am seeing some users sending this as an email instead, which is a little confusing.  If we're happy with this response, what would you suggest is the best way to send it over to them (post/email), and is there anything additional I could include (if necessary)?  Thanks again! 
    • Hi I've read through other threads to better inform me of the process from here onwards. When I put in the MoneyClaim it gave me a claim number and it currently says to wait for the defendant to respond, they have until 7 August.   It seems their most likely action is to extend that a further 14 days to about 21 August - this hasn't happened yet, of course, as it is only 27 July but I'm anticipating that may be the case. when the expected defence action is taken by EVRi I will need to submit DQ with these responses A1 - no mediation B - my contact details C1 - yes to the small claims track D1 - No.  If No please state why.  I believe the defence will provide some rebuttal to the particulars of claim and so I need to include details as to why the claim requires a hearing.  Is there some certain templated text I can include here or will it vary depending on what the defendant comes back with? I see on the form it mentions the following: Relevant reasons include that there are factual disputes which will need the judge to hear from witnesses directly or the issues are so complex they need to be argued orally.  Hoping to reach out to see what may be the most effective statements for D1 reasoning. E1-5 are pretty straightforward. I want to get ahead of things and be ready to take the next step so I appreciate what advice you may have about the DQ.   Thanks!  
    • Rachel Reeves is set to reveal a public finances shortfall of billions on pounds after a snap audit.View the full article
  • Our picks

    • 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,

Just obtained all my credit reports as needed to check everything is in order for future house purchase.All is well with Experian and Equifax, however I have found a CCJ in 2008 from Callcredit which has alarmed me.

 

I think I know what it relates to - management fees for a property I own were late a few years ago but I did pay them off in full and still do (the property is now rented out). However I never received any letters regarding the CCJ.

 

Also, interestingly, the CCJ on my Callcredit file has an incorrect postcode, the rest of the address is correct. e.g. the property address I lived at is 42 coronation street, LS3 3WJ, and the CCJ says 42 coronation street, LS3 3NN. This probably explains why I never received any documentation about the CCJ.

 

The CCJ bothers me and I would like to get it removed, but I will be applying for a mortgage soon and wondering will mortgage lenders even check with Callcredit, as I thought they only check Experian and Equifax ?

 

Im wondering if I started disputing this CCJ if it would trigger some sort of alert and maybe end up with the CCJ showing on my Experian and Equifax reports, which I really dont want. Im just wondering if its best to leave chasing the Callcredit CCJ until after I have got my mortgage taken out, as I dont think lenders check Callcredit ?

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I'd dispute it to be on the safe side, it won't trigger with the other 2 as they are totally different companies. I think it's always worth sorting out any disputes on your file before applying for credit, not sure if it'll get removed though. Unfortunately most people apply and then find out about problems.

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Check the CCJ detais at Trustonline there is a fee,

but it is accurate.

Call credit I find is often inaccurate/out of date.

Write to CC and place a notice of dispute on the file.

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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many thanks for the replies. Will check on trustonline shortly.

 

my main worry was if I started disputing this that it may alert the other CRA, as long as thats not there case I will start the process. Also, I did ned to apply for a mortgage in the next month, will speak to broker and find out what they say regarding lenders checking callcredit

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Hi, check the exact date of the CCJ and the exact date you paid the fees in full - if there was a CCJ awarded against you and you paid the claimant in full within 28 days of the judgement then the CCJ should not be registred with the CRA's (which is probably why it doesn't show on the other 2).

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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There is no interaction between the agencies

on public information records so no impact.

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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  • 2 weeks later...

Just want to make sure I have searched the correct register on Trustonline for CCJ, I searched:

England and Wales Orders & Judgments

And the result was: Nothing Registered ! Very pleased.

 

I did not search England and Wales High Court Judgments, im thinking any CCJ will not show up here, right?

 

Just want to make sure I have searched the correct register before I get too pleased and contact Callcredit telling them I have no CCJ and to remove it.

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thatscorrect

download the page and post it to callcredit

 

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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Many thanks for your rapid response DX, happy days.

 

I think I can work out now I would have paid it in full within 28 days meaning if it ever did show on Experian or Equifax it would have been removed due to full payment within 28 days.

 

As Brigadier stated above im guessing Callcredit are a bit slow updating themselves as it does not show on either Experian or Equifax, people on here are very good.

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