Jump to content
  • Tweets

  • Posts

    • Hi Sorry but i am still stuck on where to go next in all of this.   This week the dealer contacted me at the 11th hour to talk repair of my car. He seemed only interested in the repair in speaking of just one of the problems  and i was struggling to get him to commit to the other fixes required. I asked him about the service history log and the proof that he had changed the cam belt.   He has told me that he will chase the service log book through his accountant. (I'm confused why through his accountant) and that his mechanic would provide the paperwork for the cambelt work, although he is away until September. (I dont believe any of this. He has had months to do this)   Back in June he said in a text to me that he would get my car fixed once his supplier opened for business from the 4th July and arrange a date with me. From that date onwards i was unable to contact him. He didn't answer his phones or reply to my texts or answer machine messages. He has told me now that his business was closed during that time.    I asked him about the 3 recorded messages i had sent him that were signed for. He said that he has not seen any letters. Somehow though he has sold 10 cars throughout May, June and July. I have been watching his stock level on Autotrader and he has been advertising his new stock and his sales on facebook throughout this period. Also he has chosen to contact me this week on the night before i was stating i would take action.   Frustratingly i expressed my desire to return the car to him for a refund and he has told me that because i didn't reject the car in the first 30 days then that wont happen. How could i reject the car if his business was apparently closed, we was not responding to me other than initially putting off any attempt at repair work.   I am feeling completely cheated by this man. He has even accused me of purchasing a car from him that i knew was faulty!!    I have shared my story recently on a Land Rover forum and interestingly a member of the forum has come forward and told me that he had also test drove the car before i did. He said the car displayed the errors i am experiencing and that the dealer had acted suspiciously. This forum member has offered to write me a statement if its of any use?   September the car is due an MOT and it is likely to fail because of the work he has not done. If i take this matter to court and it takes 6 months then what do i do if the car fails the MOT or the faults cause the car to brake down? I need this car for travelling to work and back.   Is it a viable option for me to get the car fixed myself and then claim that cost at court? I need a working car and i do not trust this dealer. He is clearly telling lies and i dont trust him completing the work to a satisfactory level if at all. Im assuming he is wanting to wait for HIS MECHANIC to get back from his holiday too. Strange time to be away for several weeks.   If i was to get my garage to do the repairs i could also ask them to confirm if the cambelt was ever changed. I'm convinced it wasn't.   Please advise. I am incredibly stressed out.
    • Do they need the insured's permission?  Won't the insured have agreed for the insurer to have conduct of any claims and to assist in any court case(s)?   I don't understand why the OP is reluctant to assist their former insurer?
    • The ombudsman services has rewarded us 9k for a Biomass boiler was installed incorrectly and never worked properly. The installer is refusing to pay. He has set up sole trader but has now ceased trading. The consumer code HIES part of the renewable MCS scheme which our installer was accredited to is recommending that we take him to court before they are able to use their compensation fund to pay us this money. Even though their terms state clearly that they would pay the consumer the ADR award if installer declines to do so and they will then at then seek payment via the courts themselves. Can the consumer body recommend this would this be seen as legal advice? If so surely they can’t do this? Attached is the term of membership which talks about the compensation fund held by the consumer body in section H in attached document        Reference 19 - HIES Contractors scheme standard terms of membership.pdf
    • I rent a garage from a large Housing Association in London, and I have for many years. The garage  is in a cul-de-sac with few others, and the entrance is through a small path between two houses. I live in a different area and I use it for storage. A few months ago  I found a pillar bar installed at the beginning of the path. I contacted the landlord, thinking that they had installed the bar, to get a copy of the key.  In fact, I tried unsuccesfully to contact the responsible area manager for nearly a month, with countless phone calls and messages left with the receptionist, but was never called back.  In the meantime I found out that the bar wasn't installed by the landlord but by another garage renter, who then asked a hefty fee for a copy of the key from myself and apparently everybody else.  I was totally enraged by the request which bordered extortion, but in the end I had to fork out as the landlord never ever got back to me and I needed to access the storage. The lock of the bar is now broken, and I am dreading having to pay again for a replacement in order to access the garage where my belongings are. To challenge the individual is not an option. He was very confrontational, and I don;t want to feel intimidated when accessing the garage. How can I make the landlord take notice and remove the bar? I feel the landlord is responsible for ensuring that the access is open, but my messages always stop with the receptionist.  Thank you   Cris
    • Yes, it's been cancelled. On what grounds can I ask for a chargeback?
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
obiter dictum

Soft Credit Check??

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1523 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Now that i have a clean credit record being inundated with offers for credit cards etc through the post and email. I have no interest in taking up any offers but they all say:

 

Be 100% certin you will be accepted before you apply

 

This is through a "Soft cedit check" that will not be recorded as a search

 

So what exactly do they see on my credit file with a soft search compared to a full credit check that will be recorded?

Share this post


Link to post
Share on other sites

Just an upate on this::

 

I currently have a Vanquis card, have had it for three years. Started off with a £250 credit limit which now stands at £2500 for which i pay off in full each month. The only probem with Vanquis is their eye watering 59.9% APR which they will not change

 

I have just done this online soft credit check application with Capital One. I was accepted then transfered to full credit check mode. That came back as accepted with a credit limit of £2000 for their Balance plus card with a 19.9% APR.

 

Having built up a good relationship over the last few years with Vanquis it is now time to part company. It is now hello Capital One simply due to the greed of Vanquis. Seems customer loyalty means nothing to them.

Share this post


Link to post
Share on other sites

 

That came back as accepted with a credit limit of £2000 for their Balance plus card with a 19.9% APR.

 

 

My Cap 1 cards a Mastercard, interest at 30% which isn't great. Like you I started with a £250 credit limit but paid the card off each month.

Limits now up to £4,450. They seem to increase it every 8 months.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

Now i am with Capital One i can if i wish spread any payments instead of paying the full balance each month. 19.9% APR is a hell of a lot better than Vanquis 59.9%. Argos store card is only 30% APR

 

Do not get me wrong, Vanquis has been good to me where others would not give me a credit card. It did exactly what it stated on the tin. That is positive credit markers each month with the credit agencies as a credit rebuilding tool

Share this post


Link to post
Share on other sites

Yes my credit history was trashed a few years ago and I went with Barclaycard and Capital One with limits of £200 and £250, I've ran the cards in the proper manner and the limits are now a lot healthier and my credit ratings without a doubt a lot better than it was.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

Just updating and i am quite impressed with Capital 1

 

Applied for the card and was accepted on Saturday, Monday beng a Bank Holiday. Today i get my Pin number in the post and an email stating my Direct Debt has been set up. Card due to be delivered Tomorrow or Friday

 

They do not hang about

 

This Soft credit check is not a bad thing to confirm acceptance as a hard check has now been recorded on my credit file

Share this post


Link to post
Share on other sites

Just bringing this thread to a close.

 

Capital 1 Card received this morning. That is exactly 7 days after i made the application including the bank holiday. Direct Debt, Online account management and PIN all received.

 

This soft credit check service for any credit application is not bad. It is highly recommend to everyone as it does not leave a hard footprint on your credit file incase you are declined.

 

And i can now ditch Vanquis and pay less than half the APR i am currently paying

Share this post


Link to post
Share on other sites

I think if you use a website called fluid they do a soft check for you and see what cards you can apply for, there's also a section in clear score that shows your percentage change of what card you will get if you apply

 

To keep an eye on your credit report I can suggest

 

1 Noddle Free all the time (with aqua card you do get extra benefits)

 

2 Clearscore free all the time

 

3 Barclaycard now offer your exprian credit score for free on the android app on your phone

Share this post


Link to post
Share on other sites
My Cap 1 cards a Mastercard, interest at 30% which isn't great. Like you I started with a £250 credit limit but paid the card off each month.

Limits now up to £4,450. They seem to increase it every 8 months.

 

Limits not £4,450 it's £2,450.

 

Regarding Barclaycard free Experian credit score, the score's the only thing you get and it's updated every 60 days.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

After earlier singing the praises of Vanquis for which i now retract that.

Decided to go to Capital 1 as vanquis has done its job with elevating my credit rating.

 

Had a small balance outstanding of £160 so decided to do a Balance Transfer of £160 from my new capital 1 card. I need a new fridge freezer so i thought i would take advantage of the 0% balance Transfer.

 

Payment made last week by Capital 1 for which Vanquis are now telling me it takes on average 10 days to credit to my account even though transfer made bank to bank. This is unacceptable to gain a few more days interest out out you. I changed cards because Vanquis would not lower my APR of 59.9% and now this.

 

The way they treat loyal customers leaves a very bad taste in the mouth and i am better off out.

Edited by obiter dictum

Share this post


Link to post
Share on other sites

report Vanquis in this matter, I spoke to regulator and they said you need to make it official complaint for them to take it up/


:mad2::-x:jaw::sad:

Share this post


Link to post
Share on other sites

What a surprise, not

 

Just received an email From Vanquis Raising my Credit limit from 2.5 k to 3 k starting in 4 weeks .

 

To late i have already cut up my card

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...