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    • 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.   
    • Please read the following thread very carefully. It is extremely relevant where you are suing Evri on the basis of a contract which you originally made with Packlink who are domiciled in Spain. A judgement has been obtained and we have applied for transcript and it will be put up on this thread as soon as we receive it probably about the end of July. In the meanwhile, read this thread, see what has been discovered about the Packlink/Evri/customer relationship and look at the witness statement very carefully. It's a long thread but don't give up. Once you have the transcript of the judgement, then I will do a more careful and explanatory post here   https://www.consumeractiongroup.co.uk/topic/459707-evri-lost-my-ebay-parcel-£844-court-claim-issued-judgment/
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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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      • 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
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Noddle is free, but seems to be the slowest out of all the agencies to update.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Had a quick look at Noddle and no big surprises.

 

My CCJ is there but as I said due to "expire" in a few months.

 

Also a debt that will hit 6 years after default date in a few weeks.

 

Apart from that no sign of a few so called debts that are being chased. Does this mean they are SB'ed or maybe not noted on Noddle?

 

Actually that's not strictly true. I noted a debt on there that I do not recognise at all! And it has an account start date that is impossible as I wasn't even in the country at that time and hadn't been for quite a few months - almost a year in fact.

 

Any ideas? Should I ignore it? Wait for them to write again and then send off a prove it letter?

 

Ill send off for my statutory report tomorrow to the other 2 CRA's.

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Theyre probably not noted on noddle. Check Experian and equifax and ask them for the £2 statutory report.

 

As for the debt you say you have no knowledge of, call the CRA and tell them. They will place a note on the file and contact the company who put the default on there.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 3 weeks later...

UPDATE :

 

so I got a report from Equifax.

 

Pretty much the same as Noddle.

 

Couple of things due to expire shortly as above.

Plus the missing stuff, assumed SB'ed?

I also saw the same unknown account as above.

 

I contacted Equifax regarding the unknown account.

 

Got a reply today saying that the DCA want me to phone them to discuss the matter.

Fat chance!!!

 

Just waiting for the report from Experian.

 

So what does everyone think?

 

Chances are good that stuff not on the reports so far IS SB'ed?

 

As for the unknown account, they want me to call them.

I know you guys always say NEVER do that.

So what now?

Appreciate the help!

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Never discuss any thing with a DCA by phone!!

As to SB yes not on CRAs good indication to SB

but if any payments have been made at any time

restarts the clock so you need to know the date of

the last payment.

 

Write to the Compliance manager of the DCA concerned.

 

Ref: xxxxxxxxxxx

 

Dear Sir or Madam,

 

I refer to the debt for £xxxx which you allege is owed by me, please

take note I do not acknowledge any debt to xxxx or any company you

claim to represent.

 

I have no knowledge of any such debt and cannot therefore enter

into any conversation or correspondence regarding the allged debt.

 

All contact if any is relevant must be made in writting, proof of posting

is not accepted as proof of delivery.

 

Recorded delivery and wait to see what occurs.

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Tell Experian you are going to take THEM to court for defamation for allowing a debt to be shown on your files which is NOT yours unless they remove it pronto. Tell them THEY are responsible for their records, not the DCA.

 

Experian are now selling housing data to the financial world so they have their fingers firmly in data collection and selling, surely a conflict of interests?

 

Has anyone thought about doing a class action against Experian et al for wrecking employment and other prospects by holding data which is not fit nor relevant for the purpose it was designed for?

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Any such action would be difficult as the CRAs handle data fed to

them it is not data they can research to verify it.

 

The ''creditors'' supply data on the term that it is accurate, up to date

and justified.

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It is passing the buck, what I am really on about is Experian making up 'data sets' and selling them - this should not be allowed in any way, shape or form, and WE should have the ultimate control on OUR data.

 

I fully believe that Experian et al have fuelled the economic decline of this country and fuelled the economic immigration that we are experiencing as people are now subject to credit checks for any kind of employment.

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I fully believe that Experian et al have fuelled the economic decline of this country and fuelled the economic immigration that we are experiencing as people are now subject to credit checks for any kind of employment.

 

Eh?

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Sequenci, you would not understand, not having experienced the frustration I have had over credit checks via job agencies for jobs which do not involve me having any kind of access to company money, nor even trying to get a decent flat without paying for this unlicensed, unregulated group of organisations which seem intent on ruling the world.

 

Think about it, if somebody in the UK is being bypassed for a job PURELY on a poor credit rating then who exactly is filling the vacancy?

 

Can you find me anywhere where it says this is legal or fair?

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OK what would you like to do about this, challenge the DCA or Cabot financial?

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Ok. Sounds good. Should I write to them? And what letter should I send? The one you previously mentioned in this thread? Or should I wait for them to write to me again, and then reply? Sorry for all the questions! And thanks for you patient help.

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Ok. Sounds good. Should I write to them? And what letter should I send? The one you previously mentioned in this thread? Or should I wait for them to write to me again, and then reply? Sorry for all the questions! And thanks for you patient help.

 

Let me re-read the whole thread, then I'll draft a letter for you.

 

OK?

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You're a gentleman and a scholar. Not to mention a true legend. Thanks Brigadier!

 

Will be done pm (late) tomorrow!

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Sorry will do asap, had large numbers of family arrive

to see the lady Brig prior to here birthday.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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