Jump to content


  • Tweets

  • Posts

    • Update The engineer who's been looking at the van was unable to borrow a circuit board to do a temporary swap to test. His and Truma's recommendation was that I take the van to them as the fault it was displaying was something they'd not come across before. I rang Truma Friday morning and it was going to be the end of October before I could get an appointment. Then the engineer said that they'd had a cancellation that morning and if I got down to them immediately (a 40 mins journey for me) they'd look at it. They rang me late Friday afternoon and to cut to the point they may have fixed it, it's still on test there today, they'll let me know the outcome later. If it's not the circuit board which they've changed then it's another problem with the solar system on the van which is nothing to do with them. I've kept Marquis involved by email and phone. But because I've acted without giving them another chance to deal with the fault will I still have any claim or not ?  Thanks 
    • expecting civil replies instead of using adjectives and verbs like "shut up"
    • I have also emailed them this below      Can I please bring your attention to the Consumer Rights Act 2015 wherby it states my right to a refund I have highlighted the points where I feel you are failing in regards to this Act. Please refer this to you senior to be looked over immediately and I look forward to your reply    Thanks Kelly Gallimore Right to reject (1)The short-term right to reject is subject to section 22. (2)The final right to reject is subject to section 24. (3)The right to reject under section 19(6) is not limited by those sections. (4)Each of these rights entitles the consumer to reject the goods and treat the contract as at an end, subject to subsections (20) and (21). (5)The right is exercised if the consumer indicates to the trader that the consumer is rejecting the goods and treating the contract as at an end. (6)The indication may be something the consumer says or does, but it must be clear enough to be understood by the trader. (7)From the time when the right is exercised— (a)the trader has a duty to give the consumer a refund, subject to subsection (18), and (b)the consumer has a duty to make the goods available for collection by the trader or (if there is an agreement for the consumer to return rejected goods) to return them as agreed. (8)Whether or not the consumer has a duty to return the rejected goods, the trader must bear any reasonable costs of returning them, other than any costs incurred by the consumer in returning the goods in person to the place where the consumer took physical possession of them. (9)The consumer’s entitlement to receive a refund works as follows. (10)To the extent that the consumer paid money under the contract, the consumer is entitled to receive back the same amount of money. (11)To the extent that the consumer transferred anything else under the contract, the consumer is entitled to receive back the same amount of what the consumer transferred, unless subsection (12) applies. (12)To the extent that the consumer transferred under the contract something for which the same amount of the same thing cannot be substituted, the consumer is entitled to receive back in its original state whatever the consumer transferred. (13)If the contract is for the hire of goods, the entitlement to a refund extends only to anything paid or otherwise transferred for a period of hire that the consumer does not get because the contract is treated as at an end. (14)If the contract is a hire-purchase agreement or a conditional sales contract and the contract is treated as at an end before the whole of the price has been paid, the entitlement to a refund extends only to the part of the price paid. (15)A refund under this section must be given without undue delay, and in any event within 14 days beginning with the day on which the trader agrees that the consumer is entitled to a refund. (16)If the consumer paid money under the contract, the trader must give the refund using the same means of payment as the consumer used, unless the consumer expressly agrees otherwise. (17)The trader must not impose any fee on the consumer in respect of the refund. (18)There is no entitlement to receive a refund— (a)if none of subsections (10) to (12) applies, (b)to the extent that anything to which subsection (12) applies cannot be given back in its original state, or (c)where subsection (13) applies, to the extent that anything the consumer transferred under the contract cannot be divided so as to give back only the amount, or part of the amount, to which the consumer is entitled. (19)It may be open to a consumer to claim damages where there is no entitlement to receive a refund, or because of the limits of the entitlement, or instead of a refund. (20)Subsection (21) qualifies the application in relation to England and Wales and Northern Ireland of the rights mentioned in subsections (1) to (3) where— (a)the contract is a severable contract, (b)in relation to the final right to reject, the contract is a contract for the hire of goods, a hire-purchase agreement or a contract for transfer of goods, and (c)section 26(3) does not apply. (21)The consumer is entitled, depending on the terms of the contract and the circumstances of the case— (a)to reject the goods to which a severable obligation relates and treat that obligation as at an end (so that the entitlement to a refund relates only to what the consumer paid or transferred in relation to that obligation), or (b)to exercise any of the rights mentioned in subsections (1) to (3) in respect of the whole contract
    • V common problem for this car. Might be something small like EGR valve needs a clean, might be water pump, might just need a service. Might still be a very good car, just need to spend a little. Naturally you take them to court for the money you spend of course.
    • Public backs debt enforcement to support vital public services - survey | CIVEA View the full article
  • Our picks

    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 4 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

Spotless credit record - MBNA turned me down for a credit card???


Please note that this topic has not had any new posts for the last 1282 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

Not sure if posting in the correct category. My issue is that first time in my life I have decided to apply for a credit card. A good friend of mine recommended MBNA as she has a very good experience with them. Turns out for some mysterious reason that MBNA thinks I do not qualify for their credit card. I never checked my credit score and don't really wanna do it.

 

Here's my history in a nutshell:

 

Living in London for 15 years, residency status, EU national.

 

NEVER applied for a credit card in my life before

 

Banking with Santander ever since opening my first account in England in 2005

 

4 bank account with my bank, cash card, current account with a visa debit card, savings account and credit card. Not much money in the first 3 accounts currently but never used overdraft, only once or twice my current account went into unarranged overdraft but only lasted a few days before my wages arrived into my account to balance it.

 

Been using my Santander credit card but always repayed the money in one payment. Currently I do have a small amount on it that I have not paid back yet, but I used that amount only 1 week ago so no repayments or anything else due on it yet.

 

Living as a private tenant, 18 months at my current address, 2 years at previous address

 

Part time employed for 7 years, been self employed before for 2 years, all taxes, NI, etc been always paid without delay.

 

Annual income 15K.

Recently my hours had been permanently reduced by my employer and I am only receiving pay per hour for my work, about 15 hours per week at the moment. Still in employment and job hunting, of course.

 

Also the most interesting thing is that time to time I am being spammed by other credit card companies such as American Express and etc by post, sending me their credit cards even though I don't even know where they got my details from as I have never applied.

When Santander gave me a credit card, I didn't apply for it, they asked me in the branch at the counter if I'd like one, I said 'yes', and they handed me the card.

 

 

If anyone got any tips or ideas what might be the issue, it'd be very helpful.... :???:

 

 

Oh, and I am not on the electoral roll register - if that counts, that's literally the only thing I can think of what might be the issue.

Link to post
Share on other sites

Why do you want another card if you already have a Santander one with hardly any balance ?

 

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Hi, Thought I'd nudge this post and reply as best I can, although I guess others with better advice or more info will follow come Monday morning....

 

 

Your last sentence is most likely the main reason for the refusal,

NOT on the electoral roll is a main issue for lenders,

credit scores are only a small reason as to getting refused,

 

 

myself personally applied and was accepted only this morning for the exact same card company you have being refused by, and my credit past isn't one of the best,

 

 

Lenders also take into account past credit history, which you might already know about, and amount of credit available to the person applying.

I.E you might have several open accounts with used credit or credit available.

 

 

I note that you state that you have not had a credit card before,

then further into your post state that Santander handed you one without you even applying,

and other credit cards via post kinda strange.

 

 

Also notice that you reside in properties, are short, 18 months and 2 years, again this can impact on gaining credit due to instability of moving regularly.

 

 

Others will reply soon, but its the weekend so most likely during Monday onwards.

Best to get a copy of your credit reports?

in case there is information on there that you are not aware of.

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

Link to post
Share on other sites

I never checked my credit score and don't really wanna do it.

 

.......

 

Not much money in the first 3 accounts currently but never used overdraft, only once or twice my current account went into unarranged overdraft but only lasted a few days before my wages arrived into my account to balance it.

.........

 

If anyone got any tips or ideas what might be the issue, it'd be very helpful.... :???:

 

 

Oh, and I am not on the electoral roll register - if that counts, that's literally the only thing I can think of what might be the issue.

 

It might be:

Affordability (total credit available v. Income)

Or not being on the electoral roll,

Or a default / the unauthorised overdraft

Or identity fraud / a CIFAS marker

Or a CCJ you aren't aware of,

 

Or any combination of one or more of the above (or any other reasons others can come up with).

 

I never checked my credit score and don't really wanna do it.

 

Absolutely!

Because you "don't really wanna" do the one thing that might give you the reason(s) you are looking for.

Why do you "not wanna" look at your credit report and instead want to hope people can use their psychic powers for divination of the reason?

Link to post
Share on other sites

not on voters

EU National..

 

 

100% the reason.

 

 

almost all credit will be refused because of those

 

 

dx

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...