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    • Thank you for the response; I'm very grateful for the help and i'm open to all feedback. I'm afraid I don't understand what is meant by properly declared and valued? On the Evri app, when completing the process of sending a parcel, I did declare that I was sending a 'watch' and gave the full value of the watch (£429.99). I'm not an online seller if that helps. The parcel contained my own personal watch; a Garmin which cost £474.99 (inclusive of 'protect plus insurance' from John Lewis of £45). The £45 Protect Plus insurance from John Lewis covers the Garmin watch, and as they have lost it, it is no longer valid. So i'm adding that to the total claim.  It was a birthday gift bought for me this Jan/Feb by my partner.    Re: understanding of Parcel delivery insurance; "Part 1 Chapter 4 of the Consumer Rights Act 2015 means I have a legal right to expect that any service I’ve paid for should be carried out with reasonable care and skill". So I understood from this that I have rights under the Consumer Rights Act 2015 that protect me, regardless of not choosing to purchase their insurance protection.        
    • HI all, So I work for a company who offers a review service for large companies, whereby customers can review products and/or services and the reviews appear on the companies own site My job, along with roughly 10 others, is to moderate those reviews. We're all on a zero hours contract, so we do work as and when it's available. The way the system works is for every 120 reviews we moderate, we get paid the equivalent of the basic minimum wage, so £11.44 per 120 reviews. If this were a steady supply of reviews, it could be a decent income, but it's not, so you end up spending a lot of time doing nothing and not being paid for it, such is life For the last 3 months or so they've had an issue whereby a lot of reviews were duplicated up to 15 times and we were told to moderate those as we would normal reviews, so you can imagine how many reviews we've been having to moderate, my moderated review count was probably around 4x the number I normally do, almost throughout the entirety of June this was going on for. So being quite excited about the prospect of a boost in income, to my and other mods surprise and shock, we're not being paid for all those extra hours and work done, for the past 3 months when the issue started.. We're only being paid for the non duplicate reviews, plus 5% on top. So in my case, instead of receiving around £1500ish for the month of June, I'm only receiving around £500 I mean, I get it, marking each of these duplicates was very quick/easy, as it was a repeat decision from the previous 14, but to let us do all that work and not pay us for it?
    • That's good news, well done. From  memory, self-employed people didn't pay into SERPS, it was for employees. And I believe SERPS stopped in 2002, being replaced by S2P. HB
    • You should for the court to consider otherwise they wont grant a directions hearing.
    • Two things: Firstly, can you avoid posting solid blocks of text. They are very difficult for people to read and to follow especially when using small screen such as telephones. Properly spaced please. I have restructured your one for you – but it would be nice if you took care of this yourself. Secondly, when you upload documents in PDF format – please can you use single file multipage format and also a name which is meaningful instead of just random numbers.pdf. As a general guide, you should upload documents in a way that you would like yourself to receive them if you are helping somebody free of charge. I have deleted the two files which you have uploaded earlier. As far as I can make out they are all part of the same document and should have been uploaded in a single file format and named. As it is, they aren't especially relevant at the moment so don't bother about reposting them but please bear in mind what we are saying about uploaded documents. I notice that although I asked you if the item was properly declared and valued you haven't responded in particular you haven't told us the declared value. Is there any reason for this please? Do you understand why you don't need parcel delivery insurance?
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    • If you are buying a used car – you need to read this survival guide.
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    • 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
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    • 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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Hi,

 

 

I was checking my Noddle report and noticed a default by MyJar dated March 2015.

 

 

At first I was confused as I had never heard of this company. Anyway after a quick google search they were related to txt loans with who I did have a loan with back in August 2011.

 

 

I checked my old email account that I no longer use and noticed that they had sent me a default notice December 2014. The amount was for over £600. The original loan was for £300.

 

 

What really frustrates me is that I did have serious financial problems in 2010/2011 however they have since passed. I was kind of seeing the light at the end of the tunnel with the defaults now becoming 4/5 years old. This newly registered default will now be on my credit file until 2021 which is a bit upsetting.

 

 

Is there anything I can do about it?

 

 

I sent them an email threatening ICO, trading standards, financial ombudsman and all sorts but they just replied back with....

 

 

 

 

The reason that the default has not been registered before now is that we have only recently begun sharing data with a credit reference agency. It was not therefore possible for us to register defaults before that time. Now that we do share account information with CallCredit, we have become obliged to send them updates and, where an account is seriously in arrears, to register a default.

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So do you owe them anything?

 

Technically if you do, then as long as the info on your credit report is accurate, there isn't a great deal you can do.

 

Have you got the default notice they sent you?

What are the dates on it by which you had to rectify the account before they would terminate the agreement?

 

You can also place a 'notice of correction' alongside the default too.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks for your post Bazooka Boo.

 

 

I do owe money (although £600 is much more than the loan agreement), and the date they gave to rectify was 14 days. They only sent the notice by email, not by post. Also they stopped claiming fees or interest back in 2011 - so it was in default back then. Why add a default dated March 2015 when the default happened in 2011.

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They MUST put the correct date of the default on your file. They cannot fudge that.

 

You could point out that as you had repaid the loan prior to the new rules for credit reporting, then this is grossly unfair.

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Would this invalidate the default notice...

 

 

The date of the notice from MYJAR is December 2014. The date of the letter of assignment of the loan from txtloan to MYJAR is Feb 2015.

 

 

The default notice was issued by MYJAR prior to them owning the debt.

 

 

They have separate consumer credit licenses however they are under the same ownership.

 

 

Effectively however MyJAR sent me a default notice in December and I would have little idea who they are and it is prior to the notice of assignment that was issued by txtloan in Feb 2015..

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Well heres the deal, they need to put an actual date of default relevant to the actual Loan...

I had mine written off as it wasnt mine and I think they are still trying to get it removed of the credit profile .

 

I can put you in contact with their MD and their Compliance Guy if its any help?

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Well heres the deal, they need to put an actual date of default relevant to the actual Loan...

I had mine written off as it wasnt mine and I think they are still trying to get it removed of the credit profile .

 

I can put you in contact with their MD and their Compliance Guy if its any help?

 

 

That would be great if you could, fkofilee.

 

 

I do not deny I owe them money, but a default dated 4 years after I was in breach of the agreement is annoying!

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That would be great if you could, fkofilee.

I do not deny I owe them money, but a default dated 4 years after I was in breach of the agreement is annoying!

 

[email protected] - Compliance Director

[email protected] - MD

 

One of the people managed to get their Loan written off by stating they were in a lot of debt. To be honest, what Myjar have done to you at the moment, its rather shocking that they have gotten away with it.

 

The default itself should NOT be allowed to be placed at its current state due to the age of the account. It should be representative of when the loan did default. Not 4 Years later!

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Thanks. I'll contact them both right away.

 

 

Most defaults on my credit file will clear in 3 years time. I was hoping to buy a house - get on with my life - once they had disappeared. This 3/4 year late default from nowhere is very upsetting as it will stick around for 6 years. It just seems very unfair.

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Thanks. I'll contact them both right away.

 

 

Most defaults on my credit file will clear in 3 years time. I was hoping to buy a house - get on with my life - once they had disappeared. This 3/4 year late default from nowhere is very upsetting as it will stick around for 6 years. It just seems very unfair.

 

Let us know how you get on.

As for a Mortgage, just remember that not only do the defaults need to go... You need to have a good few years of non missed payments to buy the house.

 

Problem you have is they may have defaulted it in 2011... But havent updated it correctly so the Default will actually be with your 10 years... Thats unfair. But only registered for 6

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  • 2 months later...

Just a quick update.

 

 

I issued a dispute via Noddle. MyJar did not respond in time and the record was temporarily removed.

 

 

I got an email yesterday from MyJar stating that they are changing the date to August 2011.

 

 

Seems a fair outcome.

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