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
      • 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

Spanish Mortgage Default on my Experian


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3868 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 lived in Spain until 2008 and had 2 investment properties being rented out.

 

When the market Crashed in 2008 I abandoned them and moved to Thailand.

 

I've been back in the UK for 2 years and have good Credit with a Bank Credit Card and 2 arranged Overdrafts all well serviced.

 

I applied for a lease car this week and was turned down for Credit. So I re-registered for CreditExpert and low and behold the Spanish Bank has issued a default for these properties. But the Default was issued in Dec 2012 a full 4 and a bit years since I stopped paying the Mortgages.

 

Firstly I didn't think a Spanish company could put a default on my UK Credit file. And secondly I know they can try and enforce it here but the costs for them might outweigh it.

 

I would obviously like to get it removed from my Credit File or at least put a notice of correction on my Experian report what would my options be for either please?

 

I have not been in Spain since 2008 and had no other assets or money there so there is no way I could have been making the payments till 12/12

 

Also the default is registered at an address in the UK I sold in 2006.

Link to post
Share on other sites

Phone Experian and query whether Spanish debts can be registered on your UK record. I don't think they can do this, unless you agreed to allow this when you signed up to the mortgages.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Thanks for replying I've just spoken to them and they are going to contact the Bank on my behalf to request the signed Authority by me.

 

I don't think I ever gave them any such Authority. And if they provide anything I'm sure it will be a forgery.

Edited by yellowking
Link to post
Share on other sites

Thanks for replying I've just spoken to them and they are going to contact the Bank on my behalf to request the signed Authority by me.

 

I don't think I ever gave them any such Authority. And if they provide anything I'm sure it will be a forgery.

 

Just wondered which bank is this? I want to keep my finances in each country as separate as possible.

When I took my Mortgage out they couldn't check my file and nothing shows at present.

The problem will probably be that the mortgage application would have been in Spanish and the english translation has no legal status. Also did you sign it yourself or did your solicitor sign it with Power of attorney?

Take care

Jon.

Link to post
Share on other sites

  • 2 weeks later...
Just wondered which bank is this? I want to keep my finances in each country as separate as possible.

When I took my Mortgage out they couldn't check my file and nothing shows at present.

The problem will probably be that the mortgage application would have been in Spanish and the english translation has no legal status. Also did you sign it yourself or did your solicitor sign it with Power of attorney?

Take care

Jon.

 

UCI a part of Santander.

 

They responded to Experian to say their information was correct so I have sent them a letter by signed for post asking for the signed agreement. Under the standard CCA letter they have 12 working days to respond. As it's a UK Credit report it should be bound by UK Law.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...