Jump to content


  • Tweets

  • Posts

    • Anyway, I've asked my Booking.com flat-rent-out-bloke what needs to be done on the Booking.com portal to cancel a reservation. I got a late message "I'll let you know tomorrow".
    • I see that at the start of your thread you said they hadn't sent a Letter of Claim.  And in fact in all the uploaded material there is no LoC.  This is great news.  Even were you to lose - you won't - the judge would chop off a chunk of the money for their non-respect of PAPLOC. However, I'm a bit confused as you've named the file name as a SAR.  Are you sure about this?  Did you send any other letters apart from the one dx advised which was a CPR request (not a SAR) to DCBL (not Group Nexus).  I'm not being pernickety, this will be important for your Witness Statement further down the line.
    • I didn’t say it wouldn’t. That is not the issue here. To continue driving after the licence has expired (under s88), the driver must have submitted a “qualifying application”.  An application disclosing a relevant medical condition (of which sleep apnoea is one) is not a “qualifying application”, This means the driver cannot take advantage of s88 and must wait for the DVLA to make its decision before resuming driving.   The driver’s belief is irrelevant. The fact that a licence was eventually granted may mitigate the offence, but does it does not provide a defence.   But this driver didn’t meet the conditions. I explained why in my earlier post. He only meets the conditions if his application does not declare a relevant medical condition. His did.   As I explained, after his birthday he did not hold a licence that could be revoked.   In my view it doesn’t matter what it says. The offence is committed because his application declared a medical condition. Meanwhile his licence expired and s88 is not available to him. The GP letter would form part of the material the DVLA would use to complete their investigations. But until those enquiries are completed he could not drive.   The offence does not carry points or a disqualification (because a licence could have been held by your father). It only carries a fine and the guideline is half a week’s net income. If he pleads guilty that fine will be reduced by a third. He will also pay a surcharge of 40% of that fine. But the big difference is prosecution costs: a guilty plea will see costs of about £90 ordered whilst being convicted following a trial will see costs in the region of £600.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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
  • Recommended Topics

Paid Full & Final - they wont update credit file!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3513 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

Hi guys,

 

I had a debt from a BT internet contract where I lost my job and couldnt pay it.

 

It amounted to about £300

 

A debt collection agency got in touch so I offered them £100 as a full settlement.

 

They agreed and I paid, but when I asked them when they will update my credit file as paid they said the following

 

"n response to your recent email, sorry we do not deal with credit files as we are a collections company. Any information regarding this should be made to either Equifax, Experian or similar.

 

With kind regards CDUK."

 

Any ideas?

Link to post
Share on other sites

Was any of the agreements including the F&F in writing or was this by talking on the telephone?

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Link to post
Share on other sites

Hi guys,

 

I had a debt from a BT internet contract where I lost my job and couldnt pay it.

 

It amounted to about £300

 

A debt collection agency got in touch so I offered them £100 as a full settlement.

 

They agreed and I paid, but when I asked them when they will update my credit file as paid they said the following

 

"n response to your recent email, sorry we do not deal with credit files as we are a collections company. Any information regarding this should be made to either Equifax, Experian or similar.

 

With kind regards CDUK."

 

Any ideas?

Yes you must contact the Data Controller at the original creditors head office.

The account should be marked " partially satisfied.

Did you get agreement with CDUK that the remaining balance will not be chased in the future?

You can place a notice of correction on all the CRA files.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

you got fleeced!

 

 

who was the dca

 

 

and who was their 'client'

look at their threat-o-grams.

 

 

paying a debt off to a dca will not improve you credit rating

nor get a default removed.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Further to our recent communication we confirm we are prepared to accept £100.00 in full and final settlement of the above reference number, dependant upon your payment being received at this office within 14 days.

 

 

 

If you fail to comply with the settlement terms, the offer will be revoked and the full balance will become due immediately - payment methods are:

 

 

 

* Credit/Debit Card - Call 0844 7016156

 

* Online via our Secure Website - www.collectd.co.uk

 

* Cheque / Postal Orders

 

* Directly into: Nat West - Sort Code 55-70-23 - A/C No: 78581567

 

 

 

When making payments either via the post or via the bank please quote "Our Ref" to ensure allocation to your account. Please note that any credit record information held with credit reference agencies may show this account as partially settled, and any default details will not be removed immediately following payment.

 

 

 

Should you anticipate any problems, or experience difficulty in making the agreed payment please contact us immediately as late, returned or declined payments may result in the offer being revoked, or further action being taken.

 

 

 

You can also obtain free, independent debt advice from National Debtline 0808 808 4000, StepChange www.stepchange.org 0800 138 1111, or your local Citizens advice Bureau.

 

 

That was the email they sent me, I paid the money and asked them when they will update the file

 

Then they said

 

In response to your recent email, sorry we do not deal with credit files as we are a collections company. Any information regarding this should be made to either Equifax, Experian or similar.

 

 

 

With kind regards CDUK.

Link to post
Share on other sites

as it says partial settlement = YOU ARE WASTING YOUR MONEY!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

collect direct UK

 

 

extremely low life

 

 

when was this debt from?

 

 

and on their letter

who do thet state is their client?

 

 

something smells here.

 

 

HOW did you pay it off please

 

 

I'd go get your money back!

 

 

 

 

a DCA IS NOT A BAILIFF

and have

 

 

NO SUCH LEGAL POWERS

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

we confirm we are prepared to accept £100.00 in full and final settlement of the above reference number

 

Because of the wording, you should also take note that the F&F was with CDUK only, any remaining balance (Approx. £200) is still outstanding and open to collection from either BT itself or another DCA (either collecting on behalf of BT or as the new owners if the debt has been sold).

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...