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    • wont go near it with a barge pole as its ex gov't debt.  
    • Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help. And then when I tried to help myself and family they presented obstacles. Might be worth passing story to RIP off Britain?
    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
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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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Im looking for some advice Piggybank,Sunny,Wonga


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Yeah im able to afford the loan payments havent missed one since the agreement was set up :)

 

Wonderful well if you can get away with not missing another payment then I think we can say that Barclays should be okay :)

Now we need a summary of those loans and then I will draft you a suitable letter that you can use for all 3 companies.

 

As for MYJAR... Id say not to bother with them for now... You had a couple of loans with them so I think this should be a lesson learned...

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Wonderful well if you can get away with not missing another payment then I think we can say that Barclays should be okay :)

Now we need a summary of those loans and then I will draft you a suitable letter that you can use for all 3 companies.

 

As for MYJAR... Id say not to bother with them for now... You had a couple of loans with them so I think this should be a lesson learned...

 

 

Manythanks for the help.. its a massive weight off my shoulders. a problem shared is one solved(Hopefully) New years resoultion (Debt free) :D

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Thats fine :) Anytime... But do me a favour...

 

If this successfully goes through... and you do get yourself back on your feet, please make a Donation to the site... :)

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Thats fine :) Anytime... But do me a favour...

 

If this successfully goes through... and you do get yourself back on your feet, please make a Donation to the site... :)

Sure will do, do you get a % of the donation for helping?

 

http://s2.postimg.org/mao4akqzt/Jul_sept_sunny.png

http://s2.postimg.org/m6uaublih/Sunny_sept_oct.png

http://s2.postimg.org/91eso7rmx/Sunny_oct_nov.png

http://s2.postimg.org/pg8q0s9m1/nov_dec_Sunny.png

http://s2.postimg.org/cat7uofqh/dec_jan_Sunny.png

 

Summary for Sunny

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Nope I dont :)

 

But it keeps the good site going :)

 

Seen your summary, make a note of all loans taken and Ill prep a letter when Wonga and the other one come back with more info.

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quick update sent emails to wonga on friday and put a query in to piggybank via there site, no reply as of yet (probs due to christmas)

 

one more question.. if i do have a good case and any chance of winning ive read on a previous thread he'd asked for all info of the loans to be removed off the credit file? can this happen?

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Yes it is possible... We do have cases where the ombudsman rules that they must remove all entries relating to these loans etc

But that is further down the line. When it comes to writing the letters, we can use this to your advantage.

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Yes it is possible... We do have cases where the ombudsman rules that they must remove all entries relating to these loans etc

But that is further down the line. When it comes to writing the letters, we can use this to your advantage.

 

 

fair enough all new to me so havent a clue just reading other peoples success

also ive sent you a pm unsure if your able to help :)

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fair enough all new to me so havent a clue just reading other peoples success

also ive sent you a pm unsure if your able to help :)

 

All help needs to stay on the thread. Protects both parties and can help others too.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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Sorry was regarding a diffrent issue but shall post here

 

Regarding experian i first started it up on the 11/09/2014, thinking id cancled it whilst sifting through all my statments ive been charged a montly fee off 14.99 untill 19/08/2015

and havent even logged in once since then.. ive seen people on the beat the banks and balifs facebook state about a Direct debit clawback? would i get anywhere?

 

also have around the same time a dateing website that i wasnt aware was monthly payment as only went on it a few times the first month i cancled this when i noticed the same time as experian

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If you can prove you cancelled the DD you may have a chance. Otherwise let it be a lesson to you to check your bank statements regularly!!

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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Hi Payday... Please post here you query... Haven't read it yet

 

 

Ive posted it further up also recieved this...

 

Ive only asked for a summary I haven't made any complaint

 

http://s8.postimg.org/sm0zr9491/image.jpg

 

This is what I sent to get that reply

 

Question

Hi,

 

To whom it may concern how would i go about receiving a summary for the account linked to -----@hotmail.co.uk for each loan i have recieved starting from the 4th September 2014 if your able to do it via an attachment on email to the above email adress ----@hotmail.co.uk

 

 

 

many thanks

 

Ryan

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Okay, its positive that they have opened this already... However I see no reason why your email would trigger a complaint...

 

Are you sure there wasnt anymore inf your original email. I dont see how this could be a complaint unless you have you sent an attachment letter etc

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Ive sent nothing els just that message above to there help on the website recieved nothing off wonga yet

 

So was the reply I revived a shock or standard? Wonga states they answer email queries in 1-2 days I sent on Friday now wensday still no reply

 

So I just sit back and wait now? Still nothing off wonga so them saying they answer quiries in 1-2 days is [naughty word] :)

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Its up to you what you want to to do with Wonga. You can either force their hand with a SAR or you can push forward and escalate up the chain.

If you were to raise the complaint now with the Higher ups at Wonga then youd be more likely to get a response, but also Im thinking that youd get a dedicated complaint handler who would look at your complaint.

It would miss frontline. Give it a couple more days.

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Right - Time to escalate...

 

 

Take your pick :) , But I got all these from an argument I had with them this year, Naturally it was resolved in my favour.

Drop them an email with a formal complaint that they have failed to respond accordingly. Lets see what happens.

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Hi payday.

Im in sort of the same boat as you. I just had a question, did you go along emailing every creditor asking for the loan summary. What specific date did you request for? I am just looking for as much help as i can ger to get out of this situation.

If possible can you please just list a series of step you took. It will help me to understand what's required.

 

Many thanks

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