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    • Typical defence that you would expect in response...reads rather like a witness statement than a defence.   Be wary of point 25 .....are you currently indebted to the agreement ?.....they are relying on CPR 16.6 to use a set off defence.   Andy
    • Thanks Andy - I really do need to read up!  
    • I am going through an ongoing dispute with Sainsbury’s re them not backdating my default. This is my complaint    I would like to further the following complaint registered initially in September last year.   You18 Sep 2019 7:05PM I entered into a Debt Management Plan via Stepchange in 2018. Having checked my credit report I have noted that you have not defaulted my account in relation to this DMP despite going into arrears. The OCI advises that as a general guide defaults should be recorded between 3–6 months after the arrears were first incurred. All my other creditors have defaulted me within 12 months of entering the DMP which has resulted in the correct entries being on my file for the correct amount of time, namely 6 years, and I would ask that you consider amending my record and recording a default at the correct time on my file. Obviously the failure to record the default has an adverse effect on my credit rating as the debt will remain on my credit report now 6 years from the date that the debt is paid in full which is due to be 2022 and therefore will remain there until 2028 .I look forward to hearing from you as to whether you are willing to amend my records and mark the account as defaulted.    Even though I kept reiterating my complaint and saying I wanted this to be in writing only due to my anxiety and mental health Sainsbury’s bank still Insisted on me calling. I suffer badly with anxiety, panic discorder and depression and have done so and been Medicated for this since 2008, shortly when my money problems started. As I am sure you can understand speaking about this on the phone gives me a large amount of stress and makes it impossible for me to think clearly and retain information afterward. Further to these emails I was asked AGAIN to call Sainsbury's, I felt I was getting nowhere and forced into this method of communication. I spoke to an advisor who insisted that AP markers were not as bad as a default on my account and would not drop off longer. I am sure you can find a recording of this conversation and listen to it yourself. I was made to feel stupid for this complaint and that I was in the wrong and that for my account to be defaulted would be much worse for my credit score on the future. The lady almost scoffed at what I was sayIng. I came off the call and felt silly and wrong, I decided to leave it as I thought a trained member of your staff had told me otherwise. I have now spoken to various trained professionals who have indeed confirmed I was right in my original complaint and that the AP markers will adversely affect my account for longer ! I am very upset I have been given false information which led me not to carry on with my complaint adversely affecting my credit and ultimately my future.  Please can this complaint be passed on to someone higher in the department who understands how this works. I would like my account defaulted from the missed payment dates in 2018 and a response to my complaint ASAP. I hope you can appreciate this Is an urgent and serious matter.   - Sainsbury’s have got back to me and said they won’t uphold the complaint. They say the advise given about AP markers affecting your account less than defaults is correct which it clearly isn’t and that I didn’t state at the time when I was requesting everything in writing my mental health issues they were still ok to insist on my calling instead of communicating with me in writing which I think is incorrect, if I have requested communication in writing then they should do it whether they know the ins and outs of my health.   can anyone advise on how I can respond to them?    TIA
    • Not section 75...thats for credit card payment.
    • Unfortunately I haven't no, I believe that it might still be a possibility to do so, however as I was cancelling under the 14 days I didn't think it would be beneficial. 
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

Ccj northampton from bryan carter re halifax visa card account


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hi angel im in the same position. i only recieved my questionnaire yesterday ( must be a postal problem) AND HAS TO BE IN BY TODAY. did you find out if there is another way to put this in without posting , any advice grately recieved bambi

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Hi Bambi,

 

Speak to the court and explain you have only just rec'd the DQ. File it by Fax and put a hard copy in the post.

 

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  • 11 months later...

hiyaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaa all

 

 

im back,,,gosh its been a long time,,,,,update on this one, bryan carter sent a letter saying they were not persuing this any longer thus and I cant remember if I had anything from court to say the same but nothing else has happened as far as I know from them or the court.

will look for paperwork in a bit,,,,,, however guys I need to process another one but from Lowell now, will do a new thread. This year I endeavour to finalise all my outstanding stuff and get things sorted once and for all, im tired of it all, hope you are all well and I promise to log in and keep things updated and will need to find out how I can send a donation now I think last time via paypal, speak soon guys, ciao for now angel and happy belated 2015 to all lets all make it count this year!!! lol

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi Angel,

 

Start a new thread for the case and post a link to it here, so we can find it.

 

:-)

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Hello Angel. Sorry to hear that you have another one. Yes, as slick has advised, please start another thread, specific to the new claim.

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

 

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

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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.

 

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hiya guys here is the link to the new one but looks like an interesting project....lol good job my humour is still with me

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?440741-lowell-BW-claimform-old-monument-card-debt

 

hope to catch up tomorrow x nite all angel

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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