Jump to content


  • Tweets

  • Posts

    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
  • 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

Phantom loan mini credit


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3786 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

See post #4

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

Link to post
Share on other sites

See post #4

 

 

Yes I will have to do a letter just not sure on best way how to do so? im still waiting for them to answer my email I have sent them as I really don't feel confident enough trying to talk to them on the phone

 

my bank wont do anything at moment till I get the replacement bank card

Link to post
Share on other sites

You dont talk to them on the phone. Why wouldnt you be confident though? If what you say is true, then someone has committed fraud, and you seem to be ok with that.

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

Link to post
Share on other sites

Righto, so you want the bank to send the "original loan" apparently taken out by someone else - back to mini credit.

 

That is fine, the bank should be able to do this for you. But there is no way you should be responsible for any interest or charges. You should contact Action Fraud as already advised - let your bank know that this is either an error on the part of Mini Credit or fraud by someone else.

 

Send a letter to Mini Credit and confirm again, this is either an error on their part or fraud. Tell them that if they don't cease with the harassment you will be escalating your complaint to the OFT and the Financial Ombudsman. Give them 7 days to respond - if they don't, then get those complaints off.

 

You should NOT speak to them on the telephone at all.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Hi thanks for getting back to me, I just want to get this sorted I don't want this hanging over my head I know its not as much as other peoples on here but its scary that someone else was able to do this in my name I understand the £80.50 needs to be paid back I just want them to remove these charges/interest as that is just wrong how was I meant to pay something back I didn't even know about, if they was able to get in contact with me like they said they was trying to do could have sorted this but I don't even have a log in on their site so surely they must take that into condensation what does this Financial Ombudsman do?

 

 

thank you

 

 

Righto, so you want the bank to send the "original loan" apparently taken out by someone else - back to mini credit.

 

That is fine, the bank should be able to do this for you. But there is no way you should be responsible for any interest or charges. You should contact Action Fraud as already advised - let your bank know that this is either an error on the part of Mini Credit or fraud by someone else.

 

Send a letter to Mini Credit and confirm again, this is either an error on their part or fraud. Tell them that if they don't cease with the harassment you will be escalating your complaint to the OFT and the Financial Ombudsman. Give them 7 days to respond - if they don't, then get those complaints off.

 

You should NOT speak to them on the telephone at all.

Link to post
Share on other sites

I think once your bank has reversed the loan and you have written advising this is ID theft or fraud then they will leave you alone.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

I think once your bank has reversed the loan and you have written advising this is ID theft or fraud then they will leave you alone.

 

 

 

I hope so I cant they wanted me to pay almost £200 in charges so all together they wanted £268.10 I know its very little compared to others on here but I should have been put in this situation

Link to post
Share on other sites

The Financial Ombudsman is an independent body that investigates consumer complains about the financial industry. They can award compensation to the consumer and instruct the banks / financial institution to apologise.

 

I suggest you have a read of their website.

 

http://www.financial-ombudsman.org.uk/

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

how long do they take to answer back, is it worth me telling them about this or will I tell minicredit first if I don't hear from them about this I will talk to this onbudsman?

 

 

this was on the letter " legal action can be taken against you if you don't make payment infull within 10 days and your account details will be referred to credit reference agencies such action will adversely affect your credit score and your ability to receive credit in the future "

 

 

is this something to be worried about?

Edited by Carl19
Link to post
Share on other sites

Why ar eyou bothered about charges on a debt you say you dont owe? Either you are completely out of the loop here and havent read the forums, or something doesnt add up. Follow the advice already given and youll be fine.... If you legitimately dont owe the debt.

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

Link to post
Share on other sites

Yes, thank you for all your help with this, im waiting to hear from minicredit to see what they have to say I don't know how long they can take to answer me back im not going to call them if that will cause more problems for me

 

 

does anyone know what this legal action could be they may do, will they still do that as ive sent them a email explaining what happened and waiting to hear from them?

Link to post
Share on other sites

They have a max of 8 weeks to sort it out. They wont take ANY legal action at all, because as you said " i didnt take out a loan with them and never had any dealings with them".

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

Link to post
Share on other sites

Ok they sent me this email back this morning whats the best way to answer back to them

 

 

Dear Carl .,

 

A MiniCredit Claims Department member has replied to your claim, with the following response:

 

 

The following response is being sent to You according to the Formal Complaints Procedure.

 

 

 

We have very strict procedures in place to enable us to prevent and detect identity fraud and money laundering. During the loan application process applicants are asked to enter personal information which is then verified with a leading credit reporting agency. A unique PIN is also sent via SMS to applicants’ mobile phones (mobile phone numbers are also independently verified) and loans cannot be issued without this PIN. A high standard of care is also exercised to ensure any loan funds are sent to an account that actually belongs to the applicant.

 

 

 

When Microcredit Ltd issues a loan to the customer we have made sure that the account and sort code match the customers provided details which means that we have made sure that the loan was issued to the customer. The customer is therefore responsible for returning the funds including the interest added for the days that he/she has used the funds for.

 

 

 

If You claim that You have not applied for the loan and the funds were withdrawn from Your debit card then this needs to be proven by the higher authority. If Your bank or the Police is able to prove that You did not apply for the funds then Microcredit Ltd will claim the funds from the suspect.

 

 

 

If the Police or Your bank is investigating the theft which could prove Your innocence then as a witness we would like to help the Police during this investigation by sending all the details that we have been provided with during the registration including the IP address where the loan application was preformed from. In order to do so the Police needs to send us a Data Protection Act with a formal enquiry so we could disclose this information with them.

 

 

 

If possible could you please include the following details when writing to us:

 

1. Were your banking details stolen (and if so give full details)?

 

2. On what date did you receive funds into your account from MiniCredit? On what date were those funds stolen? Please provide copies of the relevant bank statements.

 

3. Have you reported the matter to the Police? If so when did you do this and what is the Crime Reference Number the Police gave you?

 

4. Have you reported the matter to your bank and cancelled your debit card? If so when did you do this?

 

5. Give details of any investigation carried out by your bank or the Police in relation to this matter.

 

6. If the funds remain in your account please also ask your bank to return the funds to us.

 

 

 

As soon as we have been provided with reasonable doubt that You are being pursued for debt that You did not apply for, we have the opportunity to put the Debt Collection process on hold until further notice. When we have received the proof from the Police or the bank that the funds were not used by You and were unlawfully withdrawn/used by a third party, then the debt will be written off.

 

 

 

The Police may send the Formal Request for Information to us by fax on the number 0207 138 2919 and we will provide them with the necessary information.

 

 

 

We are sorry that you have been placed in the position of raising this identity fraud matter with us and we will do our best to resolve the matter quickly and fairly.

 

 

 

We hope this response has sufficiently answered your questions. If not, please do not send another email. Instead, reply to this email.

 

Kind regards,

Minicredit Claims Department

Link to post
Share on other sites

Ok. forget that claptrap they sent you.

Im going to ask a question, and i want you to be completely honest, as my advice WILL cause you to get in further trouble, and not with minicredit, if you dont tell the truth.

 

 

Did you take out a loan with minicredit, or have any dealings with them? Please answer honestly , we arent here to judge, and we wont make any comments. We just want to help.

 

 

If you genuinely didnt, then you MUST contact actionfraud, tell them what has happened. Once you have done that, you will gain a crime reference number from them. You can then come back to us and we can help you with a letter that tells Minimuppets straight and exactly what will happen from this point forward. Trust me. They wont be able to bluff their way out of this if it is THEIR fault.

 

Now, if you dont tell the truth about the above question, and you get actionfraud/police involved, then you could be done for wasting their time.

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

Link to post
Share on other sites

Hi, I do understand where you are coming from but ive never taken a loan out and had no interest in to take a loan out as im not working at moment and I don't want this hanging over my head, my bank has started looking into this im just worried that who ever did this can do it again

 

 

Ok. forget that claptrap they sent you.

Im going to ask a question, and i want you to be completely honest, as my advice WILL cause you to get in further trouble, and not with minicredit, if you dont tell the truth.

 

 

Did you take out a loan with minicredit, or have any dealings with them? Please answer honestly , we arent here to judge, and we wont make any comments. We just want to help.

 

 

If you genuinely didnt, then you MUST contact actionfraud, tell them what has happened. Once you have done that, you will gain a crime reference number from them. You can then come back to us and we can help you with a letter that tells Minimuppets straight and exactly what will happen from this point forward. Trust me. They wont be able to bluff their way out of this if it is THEIR fault.

 

Now, if you dont tell the truth about the above question, and you get actionfraud/police involved, then you could be done for wasting their time.

Link to post
Share on other sites

Ok. Contact actionfraud, get that crime number, and let me know when you do. Ill write a good letter for you to send them.

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

Link to post
Share on other sites

It will be,. You just need to stop believing what the idiots say.

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...