Jump to content


  • Tweets

  • Posts

    • Ok so Starling came back to me and said they have made some changes on my account and I should now be able to use the 'switch' option. I have a Monzo account which I opened when I opened the Starling account, but I have not used it as yet because I was happy with Starling. I feel like I am seriously running out of options. If Monzo do the same as Startling and let me set up all my direct debits and standing orders etc and then tell me they're closing my account in so many months, what do I do then? Where do I get a bank account?  I have applied to Nationwide, got the account set up and all the details etc. Then today received an email saying sorry they were not going ahead with the account and it would be closed today. They didn't give me the option of a super basic account. I have tried RBS and Co-op too and they basically did and said the same.  I feel like a leper or something. I have only defaulted on my loans one month. It hasn't even shown up on my credit report yet, but these knock backs are definitely to do with my credit score because RBS said " Unfortunately, having made those checks we are unable to proceed with opening your account at this stage."  I don't know what to do.  I did open a Co-operative account and have all the details and even a debit card, but when I'm trying to register for online/mobile banking it is just saying for security reasons the account is locked and to call this number, which I managed to get through to the other day after holding for an hour. I am on hold again now but with what's happened with Nationwide and RBS, I am not feeling particularly optimistic. Any advice on where to go or what to do next? x
    • Thanks for coming back and letting us know.  This is much appreciated because sadly most people don't. We have a new Alliance case which has pushed me to look at old cases.  The good news is that, for all their bluster, Alliance have never had the bottle to take a Cagger to court. Please do come back though if they ever send you a Letter of Claim.
    • Thanks for this update. Well done it's a good result. Typical of this company EVRi – they dangle you around for over a year and then tried a quibble to try and save a few quid – but actually it's not about saving money it's about saving face. I don't see why they bother to save face because they have no shame. They were prepared to smash up your mother's birthday and then refused to pay you out a paltry 75 quid or so – even though they know full well that you have third-party rights and they know full well that the little insurance scam is contrary to section 57 and section 72 of the Consumer Rights Act. I wonder what they would do if it was their own mothers? Well done for standing your ground. Well done for resisting mediation which would simply have added an extra stage to the process and of course they would then have threatened you to keep quiet if you revealed what had happened. You can see they are desperate to avoid further judgements against them. They know that what they are doing is unlawful but it is making them huge profits and they don't want to rock the boat! Hopefully you have learned enough that if this kind of thing happens again with EVRi or any other company, you will feel confident about taking it forward although of course we will be here to help you and support you as you need. Thank you for the donation. I am sending you an email about this.  
    • A final update on my claim against EVRi: In October Evri offered to settle excluding court costs which I declined.  I made a counter offer to waive interest if they would cover loss plus court costs which they declined. I repeated this offer last month and they accepted with the result that I received full pay out of my claim today.  Thank you to CAG for guiding me through the process.  It is clear that with your help, persistence and a little patience a satisfactory result can be achieved. I have made a donation in thanks for your assistance.  
  • 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

Cash4Phones - got CCJ against them..should i use bailiffs to enforce it...


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3762 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

This is my frist time dealing with any thing like this and I feel a bit out of my depth. I started procedures against Cash4Phones some time ago but have heard nothing from them. This is what's happened so far:

 

Issue date: 29/10/2013

 

I sent in my iPhone 4 to Cash4Phones,

promised between £130 and £140. I was instead

then quoted £54.60 due to 'excessive wear and

tear.' However, the phone was spotless and

could have been sold 'as new' quite easily. I

Googled feedback from the company and it

seems that this is standard practise. I

argued and it was eventually raised to £100.

I accepted, albeit begrudgingly. Apparantly

that is standard practise too.

 

I spent hours on hold over a spread of 3

days. My mobile and home phone bill increased

by £52. Sometimes, the phone would be picked

up, someone would burp loudly, and then put

the phone down again, or pick it up and just

put it straight down again. I then had to

ring again and go back on hold.

 

I recived a cheque for £100 after 23 days

instead of 10. I am hereby claiming my phone

bill, plus the difference between the

original quoted price of £130 and what I

actually recieved.

After waiting a month, there has been no defence and so a judgement by default was issued on 29/11/2013. There has been no reply to this as of 03/12/13.According to MCOL, the only option I have now is to issue a warrant, which would cost £100. At this point, they owe me £107 so that seems a bit pointless.

 

I used this address:

Cash4phones

 

15 Gateway Mews

 

Ring Way

 

London

 

N11 2UT

...but how do I know that's their offices? It could just be their warehouse or whatever.

 

 

I am in receipt of ESA and cannot really afford this easily. I suffer from mental health issues which complicates things. (Schizophrenia, depression, post-traumatic stress)

 

What to do? Thanks so much in advance.

Link to post
Share on other sites

I would issue a warrant which will be added to the bill.

 

They could challenge the ccj but hardly worth it for them.

 

Likelihood is that they'll pay up when pushed. Prob many people screwed over and the odd claim viewed as an inevitable small risk

CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

Link to post
Share on other sites

You have done very well to get any money at all.

 

Read through this forum and the recent threads about this company.

 

I would suggest that you hold off enforcement until there is clear information available as to the whereabouts of any the people involved.

You have your judgment. You can issue a warrant very quickly if it becomes possible to enforce it.

At the moment, I don't fancy your chances.

Link to post
Share on other sites

After reading other threads, I agree with bankfodder. My suggestion was a little too kneejerk so ill read up more in future before responding

CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

Link to post
Share on other sites

could you not apply for a high court writ to be enforced ?

 

This can be an extremely expensive option if the enforcement is not successful. But anyway, the judgment has to be for a minimum of £600, I believe.

High Court enforcement will have just the same difficulties as bailiffs if Cash4phones can not be found.

 

Inform the police and inform trading standards

Link to post
Share on other sites

At this time bailiffs would be a complete waste of money. Wouldnt surprise me at all if this greek guy was reselling the phones on ebay.

 

Did anyone think to call the phone operator and get the imei cancelled?

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

Who have you got judgment against?

 

If it is just 'Cash4phones' then this is just a trading name and is a non-entity making enforcement very difficult. You always need to ensure you sue the correct party.

 

Cash4phones is a trading name of C4P Trading Limited, a company registered in England (Company No: 06300042). They have multiple CCJ's recorded against them and appear to be trading from a virtual office.

 

The sums are too low to use an HCEO so you're stuck with the County Court Bailiffs, who are often pretty ineffective in usual circumstances let alone one where the entity may not exist.

 

I'd be tempted to cut your losses.

Link to post
Share on other sites

 

 

I'd be tempted to cut your losses.

 

And let them just get away with it?

 

No. I certainly won`t do that.

 

I`m aware they may read this board so i`ll be going quiet on exactly my efforts for now. But they`re for much more than they bargained for.

 

Also good luck to the OP, you`re not alone, m8.

Link to post
Share on other sites

And let them just get away with it?

 

No. I certainly won`t do that.

 

I`m aware they may read this board so i`ll be going quiet on exactly my efforts for now. But they`re for much more than they bargained for.

 

Unless you find where they are, you wont be able to do anything. If you find the owner, you cant do anything apart from call the police, as your claim is on the company, and if he;s done this to thousands of people, i can guarantee he wont be stupid enough to write a personal guarantee against his company.

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

Who have you got judgment against?

 

If it is just 'Cash4phones' then this is just a trading name and is a non-entity making enforcement very difficult. You always need to ensure you sue the correct party.

 

Cash4phones is a trading name of C4P Trading Limited, a company registered in England (Company No: 06300042). They have multiple CCJ's recorded against them and appear to be trading from a virtual office.

 

The sums are too low to use an HCEO so you're stuck with the County Court Bailiffs, who are often pretty ineffective in usual circumstances let alone one where the entity may not exist.

 

I'd be tempted to cut your losses.

 

There must be an office from which staff actually work from, other posts have pointed to recent job adverts. Although it may be there is little actually owning to the company on site, although I suspect that there would be enough to satisfy a single ccj.

 

Trouble is where is this 'office', I was tempted to respond to the recent job ad but its not quite my area of expertise although it was an IT role.

Link to post
Share on other sites

And let them just get away with it?

 

No. I certainly won`t do that.

 

I`m aware they may read this board so i`ll be going quiet on exactly my efforts for now. But they`re for much more than they bargained for.

 

Also good luck to the OP, you`re not alone, m8.

 

I fully understand your position but sometimes you have to make a commercial decision. We see many cases where people throw good money after bad.

 

I wish you both luck and genuinely hope you get paid what you're owed.

Link to post
Share on other sites

There probably arent any jobs at all. Some companies who operate like this, just advertise to make it look like theyre a professional company. If anyone applies, they can easily say " sorry, you dont meet our requirements".

 

Like i said, i wouldnt at all be surprised if he is flogging these on ebay or somewhere else.

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

There probably arent any jobs at all. Some companies who operate like this, just advertise to make it look like theyre a professional company. If anyone applies, they can easily say " sorry, you dont meet our requirements".

 

Like i said, i wouldnt at all be surprised if he is flogging these on ebay or somewhere else.

 

Well the most recent ad was via an employment agency and was quite a specilaised IT/Web role, I doubt a company would pay fees to an agency if they didn't want anyone, it would be a waste of money.

Link to post
Share on other sites

Well, nobody can find them, not even the police. So it does make you think.

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

They have had a name change

 

YEMONIA LIMITED

SUITE 21 5 SPRING STREET

PADDINGTON

LONDON

UNITED KINGDOM

W2 3AQ

Company No. 06300042

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

The problem is that bailiffs want a quick fix.

If a company doesn't seem to be there - they tend to move on to their next collection

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...