Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • Our picks

    • 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
        • Like
  • Recommended Topics

The Money Shop & Capquest Defaults = NO mortgage = please help!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2926 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

good afternoon - I'm unsure what sub forum to use put this in so thought id put it in here..

 

my Name is Dan - nice to meet you - I'm a 25 year old lad from Newcastle

 

I recently got declined for a mortgage and they said its because I have defaults

and some "problematic open accounts" on my report?

can you please check for me and shed some light on something I've missed?

 

I had 3 defaults

- I managed to get 1 totally removed by Vodafone by just asking really nicely

however the money shop and cap quest aren't budging

 

when I look at my report all of the "bad accounts" show a balance above being zero

but in the grids below a lot of them don't end with a 0 - is this normal?

 

 

also at the end of my experian report it lists all my payday loans in a huge list

and all of them have a (closed) after them

but these 2 defaulted accounts look there still open

- is this correct?

 

I owe nothing to these companies now

- I have tried threatening the moneyshop with putting in a compensation claim

(they totally took advantage and gave me around 20 loans almost back to back)

so I said to them to save you all this money you'll pay me just remove the default and we'll call it quits

 

 

- I got the standard reply of: expect to hear from us for up to 8 weeks but we have a backlog so it may be it a bit longer.

With capquest they just keep saying speak to very - which I do. then they tell me to speak back to capquest :(

 

let me know if you can help me

- in the meantime I've had to go through a sub prime mortgage lender as a last grip to getting our dream house which came up mega cheap due to a family illness but if possible I want to try and get NatWest to accept me in the meantime saving a substantial amount of money.

 

any point in the right direction will be highly appreciated

 

let me know if you want a pdf of my report and ill send it over for you

 

thanks again

 

Dan

Link to post
Share on other sites

not a lot you can do sadly.

the defaults are correct anyway

and even if you get them removed

 

 

the large amount of PDL's will be the remaining problem.

even if you've paid them off

the fact they are there shows you cannot or could not manage you finances

 

 

as a high street lender

NatWest wont touch you with a barge pole

because of that sadly

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

ok guys thanks for the heads up - the last one I had was in 2013

 

can you tell me if this looks right tho?

 

see attached from my credit report

 

should the moneyshop one INSTANT CASH LOANS LTD T/A THE MONEY SHOP 40 Months show as closed? because it is all paid off and has been for years - screenshots can be shown if confusing

 

should the capquest one CAPQUEST (FORMERLY FTC) 48 Months show as closed? because it is all paid off and has been for years - screenshots can be shown if confusing

 

 

 

many thanks for all your help

 

Dan

Link to post
Share on other sites

As long as it showing as a zero balance it should be ok. It will also show the date it was last updated so it would be clear if it was still being used. As mentioned before the defaults will be a problem though.

Link to post
Share on other sites

closed means its been paid off.

so is moved to the closed section

 

 

doesn't mean they don't show.

 

 

its the defaults

and the sheer number of PDLS that will cause you issues with high street lenders

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

closed means its been paid off.

so is moved to the closed section

 

 

doesn't mean they don't show.

 

 

its the defaults

and the sheer number of PDLS that will cause you issues with high street lenders

 

yes i understand that but should those 2 not as closed aswel because there all paid off and the balance is zero on them?

 

thanks a lot

 

Dan

Link to post
Share on other sites

can you write that again please

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

can you write that again please

 

Sorry about that - this what that page I was talking about in my credit report looks like:

 

 

 

Instalments Age

INSTANT CASH LOANS LTD T/A THE MONEY SHOP 0 Months [Closed]

INSTANT CASH LOANS LTD T/A THE MONEY SHOP 0 Months [Closed]

INSTANT CASH LOANS LTD T/A THE MONEY SHOP 0 Months [Closed]

INSTANT CASH LOANS LTD T/A THE MONEY SHOP 0 Months [Closed]

INSTANT CASH LOANS LTD T/A THE MONEY SHOP 0 Months [Closed]

INSTANT CASH LOANS LTD T/A THE MONEY SHOP 0 Months [Closed]

INSTANT CASH LOANS LTD T/A THE MONEY SHOP 3 Months [Closed]

INSTANT CASH LOANS LTD T/A THE MONEY SHOP 0 Months [Closed]

INSTANT CASH LOANS LTD T/A THE MONEY SHOP 1 Months [Closed]

INSTANT CASH LOANS LTD T/A THE MONEY SHOP 0 Months [Closed]

INSTANT CASH LOANS LTD T/A THE MONEY SHOP 0 Months [Closed]

INSTANT CASH LOANS LTD T/A THE MONEY SHOP 1 Months [Closed]

INSTANT CASH LOANS LTD T/A THE MONEY SHOP 3 Months [Closed]

INSTANT CASH LOANS LTD T/A THE MONEY SHOP 40 Months

INSTANT CASH LOANS LTD T/A THE MONEY SHOP 1 Months [Closed]

INSTANT CASH LOANS LTD T/A PAYDAY UK 0 Months [Closed]

INSTANT CASH LOANS LTD T/A PAYDAY UK 0 Months [Closed]

WONGA COM 1 Months [Closed]

WONGA COM 0 Months [Closed]

WONGA COM 0 Months [Closed]

WONGA COM 0 Months [Closed]

WONGA COM 0 Months [Closed]

WONGA COM 0 Months [Closed]

WONGA COM 0 Months [Closed]

WONGA COM 0 Months [Closed]

WONGA COM 0 Months [Closed]

WONGA COM 0 Months [Closed]

WONGA COM 1 Months [Closed]

WONGA COM 0 Months [Closed]

WONGA COM 1 Months [Closed]

WONGA COM 0 Months [Closed]

WONGA COM 1 Months [Closed]

WONGA COM 0 Months [Closed]

 

 

 

 

Instalments

Mail Order Age

SHOP DIRECT FINANCE COMPANY LTD 8 Months [Closed]

CAPQUEST (FORMERLY FTC) 48 Months

 

 

 

 

 

for the lines in bold - should they not be marked as closed also because the full balance was paid?

 

I totally totally understand the defaults are there to stay

 

 

thanks a lot

 

Dan

Link to post
Share on other sites

dunno but I cant see it making a monkies diff

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

dunno but I cant see it making a monkies diff

 

young and stupid my friend

 

time to start asking them nicely if they'll remove them as there adverts said it will boost my credit rating

 

thanks for your input

 

 

Dan

Link to post
Share on other sites

no harm in trying.

 

 

have you tried the irresponsible lending route with any of the PDL companies?

many are coughing quite nicely.

 

 

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

no harm in trying.

 

 

have you tried the irresponsible lending route with any of the PDL companies?

many are coughing quite nicely.

 

 

dx

 

yes mate at the moment im trying to get statements from them all - most obliged except the money shop haha! ill post my results in this thread

 

Dan

Link to post
Share on other sites

If theyve said it WILL increase your rating, then you need to complain as that is blatant irresponsible lending.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...