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    • So, the two child benefit cap is going to (rightly or wrongly) be a big issue, with the care of kids undoubtedly taking second place to political point scoring  ... Some think that parents should be responsible for kids, and the state pay as little as possible else the parents will just use having kids (which they then neglect) as a means of income for them to spend on fags and booze. Some think that benefits should be effectively there for anyone whatever the circumstances.   So what do people think might be some sort of solution?   I think that both those stances are extremes,  and you can be sure of just a few things 1. Neither or any approach fits all affected. There are some who will abuse the system, just as there are some left in genuine desperate need. 2. None of its the kids fault, and how they are treated will have a large impact on our nations future.   So, despite the claims of 'it means only rich people can have kids' which is rubbish, I think the cap should stay. ... BUT that free school meals should be introduced for all state school kids:   Which would * ensure our nations children kids get fed at least one meal a day with the funds intended for that * be a significant incentive to go to school for the poorer kids at least - keeping many off the streets and away from bad company * almost certainly reduce problems and increase productivity in the classroom from irritable hungry kids (per stats)   Not a perfect solution by any means - but seems a positive move to me.    
    • and more positive change From next year, mobile phone, paid television and broadband companies must inform customers of any price rises at the point of sale. The changes, ordered by Ofcom, will come into force on 17 January and mean that any mid-contract price rises must be given “in pounds and pence” and in a “clear and comprehensible” way.   Taken a change of government to do it after years of bluster about it eh?   Mobile phone companies banned from hiking prices mid-contract based on inflation WWW.INDEPENDENT.CO.UK The new year plan ensures providers are transparent on prices at the point of sale  
    • Could he/ his partner set up a new internet bank account?  In his name ? It depends which country, I imagine. Most UK banks want proof of address and ID, probably more. If your friend/partner can use the house address and provide bills that could help. You would need to look at various online banks and see what their requirements are. Or there are expat accounts but I haven't looked closely at how they work. Could I then get his pension diverted to that new account?  That would at least cover some costs  ( ie epc/ storage) I'd have thought the DWP would pay to a new account, as long as the person they're authorised to deal with asks them and provides details. The international pensions people in Newcastle are pretty helpful.
    • HB - he has certainly given me a challenge ! I set a plan in motion. A refinance plan that would have enabled me to take time to sell one asset and sort out another for him.   The bank account blockage has hindered the plan.  His partner seems to think I can do everything w/o paying anyone for anything.  I don't mind helping - but it's not normal to clear out 2 properties, organize storage or sale of possessions, get properties ready for sale/ rent - w/o being paid.  He has the money to pay for things and services - and for my help - but the blockage prevents that. If the refinance plan could still be actioned then at least I would have some time to sell one asset.  Could he/ his partner set up a new internet bank account?  In his name ? Could I then get his pension diverted to that new account?  That would at least cover some costs  ( ie epc/ storage)
    • Unrest has claimed the lives of 32 people, after a policy on government jobs sparked mass protests.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 everyone.


This is a little complicated, so please bear with me.


I have a friend who I am currently helping sort out his credit file (using alot of information learnt on here). However we have come across some items onwhich I am unsure which is the best way to tackle them. That's where I'm hopingyou can help us out!


1. Black Horse are showing (in the Court Information section) as havingissued a CCJ against him at his previous address for the sum of £1,660 on21/12/2006. He had no knowledge of thiscredit agreement until a debt collector (DLC/Hillesden Securities) startedchasing him. He has not admittedliability but asked for a copy of the relevant information under CCA. They provided him with an illegible copy ofthe alleged contract with a signature that is not his. Upon receiving this, he then phoned up the localpolice and was given a reference number which was then forwarded to the debtcollectors. Nothing has been heard fromthem since. However this incorrect informationis still showing on his credit file.


Whilst this admittedly adversely affects his credit file, he is aware thatthis will drop off at the end of this year. I therefore wonder if it would be the best course of action to do nothingand let it expire naturally? As Iunderstand it, this would save him both time and money (application to setaside fees) thus enabling him to concentrate on the second and in my opinion,more important matter as detailed below.



2. Black Horse are also showing (in the Credit Agreements section) that hehas defaulted. The amount of this one issignificantly more, being: £20,353. Thedefault date is showing as 16/12/2009.


However, on a previous credit report, this same debt is shown both in theCredit Agreements and Court Information sections.


The Credit Agreement information on that one states that the Default Date is:28/02/2005.


The Court Information also shows a CCJ for £20,300 dated 23/03/2005.


This debt, my friend is aware of. Ina nutshell, he signed for the loan (HP) on behalf of his father for avehicle. At the time, he was earning only£400pcm from working part time at the local pub. He admits to being young and somewhat naive butsome 9 years have passed and he is now looking to get a mortgage at some pointin the near future.


The question I (we) have about this particular debt though, is that if ithas already been registered as a CCJ, and the debt itself has now fallen offhis credit file, how can it now havereappeared with different dates? Surelythis cannot be right and as I understand it, this would now be statute barredas the last payment was made by his father back in 2004. Moreover, if this needs to be defended, wouldhe have a case to say that he should not have been given a loan for such a highamount when he was on a relatively low income at the time the agreement was signed?


Thank you in advance for your assistance.

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Hi, What is needed is Subject Access Request to the Original

Creditors to get all the data held on the accounts by Black Horse,

there is really no way forward until he has done this.

SAR template letter in the CAG Library edit to suit, a statutory fee

of £10.00 is payable, the creditor has 40 days to comply.

How recently were the CRA files checked.

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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Thanks for your reply. Will get on and have him do that today. Can he do one for the both as they are with the same lender (and thus only one fee) or will they need to be done individually?


The latest Credit Reports (Equifax and Experian) are dated 30/03/2012 and 31/03.2012 respectively.

The earlier Credit Report (Equifax) is dated 09/01/2010

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Just specify ALL accounts held.

I just wanted to know if the credit

files are uo to date.

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 months later...

Hi Brigadier,


My friend has now received a pack from Black Horse in response to the SAR and it has information on both accounts held with them. To be honest, all the parperwork is a little overwhelming.


What should we do now? Is there anything in particular that we should be looking for within the pack to assist with the next step(s)?


Thanks in advance for your help.

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Check for last payments/activity on the accounts,

confirm default dates, check any PPI payments.

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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  • 6 months later...

Hi all,


After sending off a further 4 letters to Black Horse, they have finally removed the Default from my friends' Credit File.


As a further note, the information actually had to be removed on 4 separate occasions from Equifax because each month, the file updated and it kept adding it back on. For the first 3 times, Equifax were useless and didn't really help. But in the end, the last person that we spoke to was really good and has removed it (hopefully) once and for all.


Thank you to everybody who has helped and advised on this matter.


Definately another win for the consumer! :)

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