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    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
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    • 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
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Credit File SETTLED Accounts Removal


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Hi there,

 

18 months or so ago I was going through some hard times and stupidly relied upon Payday loans to keep me afloat.

 

Most of the loans (had around 10 in total, all with Wonga) were around 500 pounds and all were paid off before the due date.

 

5 years before all of this I had had some trouble with credit and unfortunately got a default from a lender meaning I was struggling to get credit anywhere else. At the time of signing up to Wonga they were running their 'Wonga will do wonders for your Credit File' campaign (http://www.dailymail.co.uk/news/article-2237712/Wonga-sorry-sending-emails-implying-loans-wonders-peoples-credit-ratings.html) and saw them as a kind of win/win for me, enhancing my credit file as well as tiding me over.

 

Now 18 months on, having a perfect credit file (old default had dropped off and been running a credit card perfectly for the last year as well as various utilities) I am in a position to obtain a mortgage. So I've looked at my credit file and lo and behold there are 10 SETTLED Wonga accounts listed on there. Having read through the forums, from what I can gather this will not help me out at all with any sort of application.

 

I've approached Wonga about the removal of these entries as I believe they will hinder any chance of me obtaining credit, which was totally against their advertising campaign at the time of me signing up but they have basically fobbed me off with a blanket 'We have to keep an entirely accurate CRA log'.

 

I would like to however take this further, what would my next steps here be? Would it be a solicitors job from here on in or should I contact the CRA's directly?

 

Any help would be greatly appreciated.

 

Thanks!

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Hi,

 

I've got the same problem as you, not sure there's a great deal you can do, there's a thread here that may be of interest............

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?398164-Pay-Day-Loans-damage-to-your-future-credit-rating

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Hi

This can be really difficult to resolve. Yes, CRAs have to record accurate information provided by the PDLs but, as in your case, you applied on the (false) premise that by having payday loans would enhance your credit profile which Wonga accepts was wrong.

 

The only way I can see any resolution is to contact wonga again and (if your lest communication was not a complaint) submit as a formal complaint. (letter headed as such)

 

If they reject your complaint you can escalate it to the regulators. The Financial Ombudsman may take an interest as may the Information Commissioner.

 

Suggesting court action at this stage is not something I would go for.

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  • 1 month later...
Hi

This can be really difficult to resolve. Yes, CRAs have to record accurate information provided by the PDLs but, as in your case, you applied on the (false) premise that by having payday loans would enhance your credit profile which Wonga accepts was wrong.

 

The only way I can see any resolution is to contact wonga again and (if your lest communication was not a complaint) submit as a formal complaint. (letter headed as such)

 

If they reject your complaint you can escalate it to the regulators. The Financial Ombudsman may take an interest as may the Information Commissioner.

 

Suggesting court action at this stage is not something I would go for.

 

I've served a s10 notice on Wonga and am in correspondence with their legal dept via their CEO who I emailed about this. Do not go to FOS as they are an absolute waste of time and don't uphold the complaints on the issue. See the FOS outcome register to see how they treat these sorts of complaints.

 

The new CONC FCA rules will give reason to take action or in my view the DPA.

 

I've now had 5 PDL's (not for me unfortunately) remove credit footprint in full they include; Mr Lender, Pounds to Pocket, Quickquid and Vivus.

 

Cheers

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

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The only way is through Wonga, they are correct in recording the data, at the time these loans were taken it seems that Wonga had no idea how other potential lenders would view a PDL Loan. I think the fact that there are so many settled accounts will be a big stumbling block.

 

 

The approach of appealing to the CEO on the grounds of the advertising having the reverse affect to that claimed may work.

 

 

You could also try the Information Commissioners Office with a complaint on the same basis.

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  • 11 months later...
I've served a s10 notice on Wonga and am in correspondence with their legal dept via their CEO who I emailed about this. Do not go to FOS as they are an absolute waste of time and don't uphold the complaints on the issue. See the FOS outcome register to see how they treat these sorts of complaints.

 

The new CONC FCA rules will give reason to take action or in my view the DPA.

 

I've now had 5 PDL's (not for me unfortunately) remove credit footprint in full they include; Mr Lender, Pounds to Pocket, Quickquid and Vivus.

 

Cheers

 

Hi Orforster

 

I am having a nightmare with Quickquid at the moment, I was recently declined for a mortgage due to pdl credit file entries and Quickquid was one of them.

 

I used your template letters and they have sent me three final responses saying that they have behaved correctly and that they will not remove the entries. Can I also serve an s10 on them for this matter ? Also I have had no reply whatsoever from PDUK, how would you suggest that I continue with them? Many thanks in advance.

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  • 3 weeks later...
I've served a s10 notice on Wonga and am in correspondence with their legal dept via their CEO who I emailed about this. Do not go to FOS as they are an absolute waste of time and don't uphold the complaints on the issue. See the FOS outcome register to see how they treat these sorts of complaints.

 

The new CONC FCA rules will give reason to take action or in my view the DPA.

 

I've now had 5 PDL's (not for me unfortunately) remove credit footprint in full they include; Mr Lender, Pounds to Pocket, Quickquid and

Vivus.

 

 

 

Cheers

 

Certainly be interesting to know the outcome

 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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  • 1 month later...

So I decided to go down a different route with this lot...

 

It turns out I had 18+ loans total, paying around £4,000 total in interest. So 10 weeks ago I contacted Wonga regarding irresponsible lending. This week I received a response back saying they are offering me around £1500 for 7 of the loans total interest, and if I accept this it will be a full and final settlement to resolve the complaint.

 

I have now forwarded this case to the FOS as I believe I should push for the full amount of interest owed, plus 8% and compensation, as well as the removal of any CRA entries.

 

Am I being stupid pushing on with this? I have yet to hear from the FOS but they say it can take up to 2 weeks.

 

Any thoughts would be great!

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