Jump to content


  • Tweets

  • Posts

    • Better version attached with the late appeal explained more clearly for the judge. This will sound silly, but I think it would be a good idea to e-mail it to the court and UKPC on Sunday.  It's probably me being daft, but Sunday is still March, and as it's late, sending it in March rather than April will make it sound like it was less late than it really is.  if you get my drift. You can still pop in a paper version on Tuesday if you want. E-mail address for the court: [email protected] And for UKPC: [email protected]   [email protected] Defendant WS.pdf
    • Update 15th March the eviction notice period expired, and I paid my next month rent along with sending them the message discussed above. After a short while they just emailed me back this dry phrase "Thank you for your email." In two weeks' time I'm gonna need to pay the rent again, and I have such a feeling that shortly after that date the contracts will be exchanged and all the payments will be made.  Now my main concern is, if possible, not to end up paying rent after I move out.  
    • they cant 'take away' anything, what ever makes you believe that?  dx  
    • The text on the N1SDT Claim Form 1.The claim is for breaching the terms and conditions set on private land. 2. The defendant's vehicle, NumberPlate, was identified in the Leeds Bradford Airport Roadways on the 28/07/2023 in breach of the advertised terms and conditions; namely Stopping in a zone where stopping is prohibited 3.At all material times the Defendant was the registered keeper and/or driver. 4. The terms and conditions upon  entering private land were clearly displayed at the entrance and in prominent locations 5. The sign was the offer and the act of entering private land was the acceptance of the offer hereby entering into a contract by conduct. 6.The signs specifically detail the terms and conditions and the consequences of failure to comply,  namely a parking charge notice will be issued, and the Defendant has failed to settle the outstanding liability. 7.The claimant seeks the recovery of the parking charge notice, contractual costs and interest.   This is what I am thinking of for the wording of my defence The Defendant contends that the particulars of claim are vague and are generic in nature which fails to comply with CPR 16.4. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 1. Paragraph 1 is denied. It is denied that the Defendant ever entered into a contract to breach any terms and conditions of the stated private land. 2. Paragraph 2 and 4 are denied. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was only contracted to provide car park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. 3. It is admitted that Defendant is the recorded keeper of the vehicle. 4.  Paragraph 6 is denied the claimant has yet to evidence that their contract with the landowner supersedes  Leeds Bradford airport byelaws. Further it is denied that the Claimant’s signage is capable of creating a legally binding contract. 5. Paragraph 7 is denied, there are no contractual costs and interest cannot be accrued on a speculative charge.   I'm not sure whether point 4 is correct as I think this side road is not covered by byelaws? Any other suggestions/corrections would be appreciated.
    • Dear EVRi parcelnet LTD t/a evri   evri parcelnet isnt a thing also you say defendant's response which is a bit of a weird format.   Something like   Dear EVRi, Claim no xxxx In your defence you said you could not access tracking. Please see attached receipt and label Regards
  • Recommended Topics

  • 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
      • 160 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
  • Recommended Topics

credit report check problems.


kaimoo86
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3629 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

They offered me a cash advance I made it very clear I don't need to the money it's purely for credit rebuild purposes.

 

Hopefully after year one of my credit rebuild I can chop up the vanquis card and apply for a different card, but it really won't make any difference what the interest rate is.

 

It feels brilliant I thought I'd never get another chance, I think my credit limit will be low as the only offered me a £100 cash advance. He said the card will be with me by next week so no idea why he'd think I'd want or need a cash advance before then.

Link to post
Share on other sites

  • Replies 75
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Well done it's good to see someone making a real effort to improve their situation.

 

Best wishes for the future.

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:

Link to post
Share on other sites

Well done it's good to see someone making a real effort to improve their situation.

 

Best wishes for the future.

 

Yes, good stuff, keep us updated with your progress.

The limit will more than likely be between £200 and £400, let us know when you do :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

I know the lowest is £150, if my interest rate is so high I'm expecting the £150 but I'll let you know once I do.

 

I don't know why he couldn't just tell me my limit on the phone cos he probably had it set out in front of him

Link to post
Share on other sites

I've had my two cards for almost 6 months now, both payed off, not used them this month, trying to see if they will up my limits's though I think I might have to wait a bit longer.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Have they increased your credit score? In October mines was 10 points shy of very good, I'm now on 751 due to three credit searches so it's now on fair.

 

Although the score doesnt really mean anything I'd like it to creep back up to good then very good, it was sitting on good due to no credit searches in over a year and zero debt but I wasn't on the electrol roll.

 

I don't plan on applying for anymore credit cards, vanquis and cash plus credit builder will do me for a year. My goal is to have perfect credit reports,my other halfs credit is ruined due to her ex so it's all on me

Link to post
Share on other sites

Your going the right way about getting things sorted, my score on Experian is 811 (fair), it was 836 in early september then dropped to 775 for some reason.

I get 1/5 on Noodle but I'd trust that as far as I could throw it.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

I tried to see noodle they couldn't let me see as they couldn't verify I am who I say I am, call credit took £12.99 off me for me to see my report but then they couldn't show me my report because they couldn't verify me so I paid £12.99 for nothing which is extremely annoying.

 

Equifax is very poor,all because I'm not on the electrol roll and I have no settled accounts so to rate me very poor for that is rediculous

Link to post
Share on other sites

Score on Experian just went up to 846 (fair) because I have fewer recently opened credit accounts :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

How long I'd it take to drop off? My score went from 891 to 751 because I had three searches in one month, which is a bit harsh seeing as I was accepted for one of the searches.

 

I had 28 linked addresses, experian had me linked to someone else from the same town with the same name. Apparently according to experian I was living in stoke on trent even though I've never even been there, they fixed it and I'm not linked to three address.

 

I've had 23 searches in the last 12 months only three were for credit that was within the last month. I know once the recent searches drop off it'll put my rating up to very good, by the time they drop off I should have three months of repaid credit card bills on my file.

Link to post
Share on other sites

The two cards I have are 5 months old, I think my score may go up as Barclaycard have been slow in updating my file, I'm due them nowt, yet states on my file £388 due.

I have 24 searches about half of them made by Experian.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

I'm not sure how they work it, I do have one search from Santander my Bank who offered me a credit card with a £1,400.00 limit which I accepted, that was last month but it does not show on my file.

 

Regarding my Experian searches: unrecorded enquiries, identity verification checks and credit report applications are shown on your copy of your report but are not seen by lenders and are not taken into account when making credit decisions.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Hello

 

Just to seek some final clarification,

 

 

I have barred debt with black horse and capital one.

 

 

I know the debt is no longer enforceable and has been wiped from my records

 

Does the debt stay on the Lloyds groups records and capital ones?

 

 

I just want to know if I should avoid these groups at all costs in case the computer will still say no,

I wouldnt blame them.

 

 

Or is it a case that they legally have to remove all trace of the debt.

 

It's just because Lloyds own so much and I don't want to be wasting my time,

for example my credit report was good with no debt

 

 

I applied for a Halifax current account I was refused instantly.

 

 

I've used their card cash basic card for over ten years,

I applied for a vanquis credit card and got it.

 

Just concerns me Halifax turned me down based on the statue barred debt I had with black horse,

either that or it was due to not being on the electrol roll

but I can't see it being because of that if I have a card cash account at my current address and have done for ten years

Link to post
Share on other sites

For a new account that could have a credit facility (that is overdraft, so anything other than a Cardcash or Easycash account),

they will run an identity check search at the CRAs.

 

 

So it is your not being on the Electoral Roll at your current address that will have scuppered you.

Link to post
Share on other sites

For a new account that could have a credit facility (that is overdraft, so anything other than a Cardcash or Easycash account), they will run an identity check search at the CRAs. So it is your not being on the Electoral Roll at your current address that will have scuppered you.

Actually I have realised later that I was wrong in what I typed.

 

 

For the non-credit facility accounts they will (or at least they used to) do the identity check search.

 

 

For an account with credit facilities (certainly for your first such account with them) they will do a full search.

 

 

Either way you will have failed because of the Electoral Roll issue.

 

 

I have no idea how closely entwined the Black Horse IT systems are with the rest of LBG,

but if the connection exists it is quite possible they will refuse to have any more dealings with you.

 

 

Just because the debt is statute barred doesn't mean the bank has to forget about it.

 

 

They can still politely ask you for it, you just as politely tell them to go away.

(Note the situation is different in Scotland where I believe the debt is legally extinguished after 5 years.)

Link to post
Share on other sites

Thanks, well luckily LBG has sold off the tsb part but they still own most of the main stream banks .

 

I'll just avoid anyhting to do with LBG, doesn't leave me with many options living in a small village all the local banks belong to LBG

Link to post
Share on other sites

Card arrived with a £250 limit, I called to activate it and wow they don't half try and sell you their payment protection plan which I declined but it might be worth getting just in case.

 

I was expecting a limit of £150 but according to the information I've been sent with the card it could be up to £3000 within a year

Link to post
Share on other sites

Santander have just added the Credit Card to my file, score went up to 883 (Good) :)

 

3 Positve factors......

 

The usage of your available credit indicates a lower risk

The age of your accounts indicates lenders are likely to view you as lower risk

You have a significant number of successfully settled credit accounts

 

Taken some time but I'm happy with that.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

My experian was at 881 before with no credit at all now at 751 after those three searches.

 

So I'm expecting to to be at very good after Feb next year.

 

I'm just happy I'm back on the rite track, I know loads of people hate vanquis but I can't see it being a problem I'm grateful they've gave me a chance and I'll not be stupid enough to use it and not pay it off in full. Well not that stupid again lol

 

Ill update next Feb

Link to post
Share on other sites

I have a Halifax, rbs that are local. I live in the middle of nowhwere, theres around 1500 people in the town I live in.

 

Theres certainly no local banks other than those i have mentioned, braclays is a half hour drive away.

 

All the big banks are near the cities and I live about an hours drive away from both of the nearest cities, I'm in central Scotland

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...