Jump to content


  • Tweets

  • Posts

    • They have been sending messageslike " Do you want a refund or not"  which ive said im at work just try and avoid their childish obstuctive replies as ive had enough of them but i plan on going up tomorrow , so my question is,  they have to give me a refund dont they, they can not bargain or refuse the refund if they havent checked the phone first ? Their previous messages have said they want to check the phone first before a refund is given and i think theyll try this tomorrow as they have argued all through this .... If that happens can i just walk away and then send the letter of Particulars which is due next week ? Edit :   Just for the record the phone hasnt been used since buying its been put in a protective bag and put in a draw , its in the same condition as i bought it
    • To be fair ,  she has responded and said she's on holiday but returns Sunday and will bank transfer when she returns and i think i believe her.
    • Checking hi-tech with low tech - Wales leading the way Growing Mid Wales, an organisation set up to bring together the private and public sectors alongside the Welsh Government, has launched a mobile mapping project to track areas of poor mobile phone signal Powys and Ceredigion. They will be using bin lorries which have signal detection equipment installed, and thus able to create a comprehensive map of mobile 'not-spots' in the area, since those vehicles will be visiting just about every property in the area on their usual rounds. Just a moment... WWW.THINKBROADBAND.COM  
    • Hi there   thank you for the reply. No, it's not a silly question at all. I am convinced I didn't hit anything with my car. I was going very slowly and it was the guy standing next to his lorry in the road who punched and kicked my car as I went by. It's cause I saw him do it in the mirror.  I initially thought he did it because he thought I was passing him maybe too closely whilst he was messing around with his lorry ?  That's why I stopped and got out and asked what he thought he was doing hitting my car. He then just hurled abuse at me. Not making any accusations such 'you hit me' 'you hit my lorry' or you did this or that. He just swore and shouted at me. At which point I said I would be making a complaint to his company for his threatening behaviour and vandalism for punching my car. I went to my car , got my phone to take a photo of his number plate but then he came towards me again and I thought if he now hits me I am going to come second. I am a woman in her mid 50s travelling on her own and this guy looked like a Millwall football supporter (short, rotund, skin head) so I decided to leave this situation. I got back in my car closed the door and drove off before he could reach me.  I later checked my phone and noticed the photo was too blurred, as I turned and rushed back to my car too quickly before the camera could focus. So I thought it was pointless making a complaint as the guy couldn't be traced anyway, so I forgot all about it until yesterday. But this is all I can think of, it must have to do with this incident as it is in the same street.   
  • 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
      • 161 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

Me vs Student Loan Company


claimitall
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6190 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

I have received a default notice from Westcot who have taken over i off my Student loans. I have now written to them using Alanfromderby's excellent CCA letter template and they are now both in default and have commited an offence under the CCA regs by not providing the info within 1 month. They have written saying they have suspended payments while they investigate. I will just sit on my hands with this one.

 

I have a number of other loans with SLC which have never been chased by them but low and behold now i am in communication with Westcot i have a letter from SLC saying i now owe them money. The most recent loan was taken in 1998, 8 years ago, and SLC have never approached me for repayment until July this year when Westcot got involved.

 

Can anyone offer any advice on statute of limitations with these loans.

 

Cheers

Lloyds TSB £395 Decree awarded against TSB

HBOS £750 setted in full

IF £750 Small Claim filed 26/10 - won unconditionally

Barclaycard £110 + Data Protection Act Non compliance Information Commissioners Office complaint. Small Claim filed 12/10 - Won unconditionally

HBOS2 £750 small claim settled in full

MSDW £115 Settled- accepted Full amount unconditionally

HBOS3 £750 Settled in full

HBOS4 £750 Small claim filed for return 15/1/07 No defence filed Decree issued by court

Clydesdale Bank Credit Card £496 small Claim filed 25/10 Court hearing 19/1/07 - continued for 2 weeks

Mrs Claimital's M&S Card £60 LBA sent 12.10 - Full refund & interest accepted by Mrs Claimitall

Link to post
Share on other sites

I am in a somewhat similar situation to yourself.

From what I can gather, If you took out your loans before 1998 then they are regulated under the CCA.

Although I can not find any hard evidence of this....yet!.

 

Did you defer payment?

 

I dont think there is a limitation on student loans.

 

I was chased by Smith and Lawson DCA (part of the SLC), and then, Legal and Trade after the SLC "claimed" to have not received my deferment forms despite having sent them three applications all on different occasions.

 

It is my belief, in my case, that this is some kind of "method" thay are employing to enable them to default, and attempt collection of the outstanding loans.

Link to post
Share on other sites

  • 3 months later...
  • 5 weeks later...
  • 3 months later...
  • 1 month later...

sorry mate didn't show that figure just giving the information thats there so people are aware that chances are thay will take it to court unless thayre seriously in the wrong

Link to post
Share on other sites

Advice please guys...

I know as the lady told me on the phone on Friday that I have been had for a couple of hundred quid in charges on my Student loans (both pre 98). Confess all for missed payments.. naughty naughty!

They are going to send me a statement of the charges paid on the accounts....

On receiveing this do I then follow the standard process as per recovering of bank charges or am I opening a whole new can of wormies???

My instict is to follow the standard bank charges route?

Help!!!

Link to post
Share on other sites

Hello mrpennyless!

 

Yes, jut follow the standard proceedure and you will be fine.

 

When you get your charges, set the info out in the form of a table:

 

Date of charge-Reason for charge-Amount-Interest @8% compounded

 

Use this to work out the compounded interest-

 

 

Add the charges+interest together and this figure will be the amount of your tell them you want back.

 

When they've told you to naff off, dont bother arguing, just start your Small Claim.

 

At this stage calculate a further 8% on each claim from the date it was debited, add all these figures up and claim this as your County Court interest, along with your court fee.

 

PM me if you me any help. Good idea to start your own thread so advice doesnt become confused.

 

Ignore mpul's "advice"- its probably a SLC troll.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...