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    • It's a big shame that you didn't wait for us to give you the advice that you asked for yesterday. We responded within two hours and if you had checked back you would have found the proper way to deal with it and also to get your money back. You would have in any case have purchased a new laptop straightaway that you would have obtained your money back as well. By taking this action without make any conditional or proviso to the manager you may have compromised your chances. You may still be able to deal with it by sending them a letter if you want. You will have to act quickly as you have already put things in motion. It's up to you but if you want to deal with this then you better start reacting quickly and waiting for the advice that we give instead of rushing off on your own  
    • No I paid for it in full.   So, in short.    The laptop was bought new 2 months ago to take my Biomed year end exam, on 26th July.   It was also bought to have word for my dissertation.     The month to repair is the issue - I need a working laptop now for revision and exam in 12 days.    I did not think for one moment that it would expire at 2 months old - a terrible situation for a new one. I've been there this morning - they have taken the non working one to send off for 'repair'.  I've informed them that if it doesn't work or goes wrong again I want a full refund.  My only option today given the exam date was to buy another, I do not have the time to sit and wait sadly for a repair taking a month.  That was the issue - I did ask if they would honour £299 as paid before - they wouldn't.    I have paid £359 less 10%  - £323.10 that is all the Manager would do. Absolutely in future - will shop elsewhere.      
    • Briefly: Bought kitchen (£20000) July 2023 Promised 1 week fitting - took 5 Only drinking water was from outside tap, couldn't cook All sorts of problems deliveries, wrong parts, quality of doors, drawers not working, worktops de-laminating, none yet resolved Crux of the matter Wickes want to replace all the marble worktops - sounds reasonable That means no kitchen again for how long? They want us to accept a type of marble we didn't want in the first place and still don't want now, and they are not saying that they will make good any damage that may be done in the process We don't want this work done, we want them to leave the kitchen as it is and give us some compensation My wife and I are both in our 70's, I am disabled and we are both on heart medication, we don't want the stress and disruption again The ombudsman says we must allow Wickes to try again Advice please, is there any point in going to the small claims court?  Thanks  
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
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    • 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.

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      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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Credit File / Post Bankruptcy.. ITS WENT BONKERS!!


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Hullo Caggers :)

 

I'm ex BR and have been for a couple of years now. I'm very careful with my credit score and how its affected. However, I do need some advice.

 

Every so often I check my credit score - Experian loves me - Equifax seems to hate me (Any reason for that?? )

The last time I checked my credit score on Equifax - it was 337. 3 Months later and It's dropped to 279 and there are a few strange things... I shall post a few screen shots in hope that one of you amazing folks can shed some light!!

 

 

 

I have no extra credit taken out

Same bank account

No searches

No OD

No Bank charges

I was BR 11/11/09 and Discharged 1 year later. My BR payments also stopped early.

 

A loan from Lloyds TSB is making a massive impact on my score. It says I've defaulted by £3.5k and the wording in the warnings - seems to suggest that I still owe it - or at least thats what it seems to suggest to me and other lenders. :jaw:

 

The loan from Welcome was included in my bankruptcy - but shows as settled??

 

Can anyone offer some advice on this??

 

Thanks in Advance

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You will need to write to the creditors Data Controllers and insist that All accounts included in your BR are properly updated.

You can again contact the data controllers of all the credit reference agencies and place notices of dispute on each entry.

 

I would certainly query the Equifax report, the data should be the same as the others.

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

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This is the same on mine. BR May 2009 Discharged Sept 09 default/delinquent balace of £ 5,766 AKtiv Capital (barclaycard) & £ 5,256 Northern Rock. However a previous loan/credit card with rbs shows settled and doesnt even show the original amounts/repayments.

 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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Very poor The total amount of your credit obligations that previous credit grantors have reported as in default is £11372. How can it be in default if it was declared bankrupt?

 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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It says have reported, so the statement is true as far as it reflects historical fact.

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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So how come the other credit agreements a loan and credit card with RBS show settled? These were all included in the bankruptcy so why defaults for 2 creditors and 2 settled for the other 2 if they were all included at the same time?

 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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Bothe the below extracts are taken from my equifax credit report and BOTH were included in the bankruptcy order, so why would one report it as in default and one report it as settled ? Loan from Northern Rock (Asset Management) Plc / XXXXXXXXXXXX8062 Name Mr *********Date of Birth********** Terms 120 @ £ 91 (Monthly) Status Defaulted Current Balance £ 5,256 Start Balance £ 7,000 Credit Limit £ 0 Default / Delinquent Balance £ 5,256 Start Date 03/12/2003 Date Updated 01/09/2009 Date Last Delinquent Date Satisfied Default Date 29/05/2009 Loan from Rbos Personal Loans(i) / XXXXXXXXXXXXXX0805 Name ********* Date of Birth ********8Terms 0 @ £ 0 (Monthly) Status Settled Current Balance £ 0 Start Balance £ 0 Credit Limit £ 0 Default / Delinquent Balance £ 0 Start Date 02/05/2008 Date Updated 09/08/2009 Date Last Delinquent Date Satisfied 31/07/2009

 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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