Jump to content


  • Tweets

  • Posts

  • 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
        • Like

Payday loan defaults.... am I on the scrapheap for years to come?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4489 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all,

 

A couple of years ago I was suffering from a gambling addiction, and got caught in the payday loan trap.

 

For over a year now I have been clean from addiction and kept complete control of my finances.

 

However, when I was struggling I picked up 3 defaults on Payday loans (although I did pay another 10 different companies back in full).

 

They are on my credit file as defaults from 2010, and so will be with me until 2016.

 

I am desperate to move on with my life and have taken many steps to try and improve my rating and kept all accounts up to date since 2010.

 

I have decided to try and get the defaults removed - is this a stupid idea? I am about to send them all the template letter asking for true copies of agreements and the default notice etc.

 

Will this achieve anything, and is it worth a shot? I would desperately love to pay them all back in full now, as it is only about £600 in total, but from what I gather, even if I pay them, the 3 defaults will remain and I will struggle to get any credit. My partner is desperate for us to get a mortgage, but it seems impossible with these defaults on there.

 

Should I go ahead and send the template letters? I am worried they will just start harrassing me for payment again, and I will be in a no-win situation - apart from knowing I have paid all my dues for my previous addiction.

 

 

Your help and advice is much appreciated.

Link to post
Share on other sites

it has to be worth a go I would say. At least then you can be free from forgetting about them and getting a reminder say two or three years down the line and drudging up the past again.Well done on the gambling also, I know how you feel - I too had gambling issues up until October 2011, so 6 months free for me. Its difficult but great that you have turned things around!

PLEASE HELP TO KEEP THIS SITE RUNNING Every pound donated to this site helps us to keep on helping others. Click Here to Donate

Link to post
Share on other sites

I disagree, you could actually reset the clock by acknowledging them now, it is best to let 'sleeping debts' lie, even though they do damage your credit rating.

 

It is NOT a good time to get a mortgage either, too many 'variables' including the likelihood of the government having to change next year (I think they are using the Olympic Games to hid behind for a while), so until you are 100% stable and have money behind you I wouldn't advise taking on any debt.

Link to post
Share on other sites

Are these debts still outstanding or did you pay them back.

 

If you have cleared them it is well worth asking for a copy of the default notice, if they cant come up with this you can ask the CRA to remove them.

 

But as sillygirl says if the debt is still outstanding you could just be reminding them you owe them money.

Link to post
Share on other sites

The OP said they were still outstanding I think. Think it is up to you and how you feel about having them oustanding. As sillygirl says it could make live again debts that may never bother you again, or you could clear if you can afford for peace of mind. That choice would be down to you and your individual circumstances.

PLEASE HELP TO KEEP THIS SITE RUNNING Every pound donated to this site helps us to keep on helping others. Click Here to Donate

Link to post
Share on other sites

Over the last 12-18 months, nobody I know has been able to get a mortgage without a squeaky clean credit record - at least, not from a mainstream lender. I think there's enough horror stories on here about non-mainstream lenders to make the alternative extremely unappealing, at least. This is just my opinion though - others may know different.

 

Do you actually know who currently owns the debt? It's highly likely that they've sold them on by now. I would be wary of paying the creditor direct until you are sure of this, because you could find that 3 months down the line you get a DCA chasing you for a debt that as far as they're concerned they own. If you do pay the creditor direct, make sure you keep a meticulous record of payments.

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

Link to post
Share on other sites

Hi all - thanks for the comments so far.

 

Indeed, they are outstanding debts. I would not be in a bad position if I had to pay them off - but I haven't heard ANYTHING from the debtors since they defaulted. I paid probably £1000 interest over a year on one of them - maybe that's why they are not bothered.

 

I am not looking to get a mortgage in the very near future. I would love to in the next few years, but I am figuring I need to start working on my credit file NOW.

 

Basically I would do whatever it takes to get the defaults removed, although I know it is not as simple as that.

 

I just want to work out the best way forwards really...

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...