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    • Thank you. You still haven't given as much information. We need more. Please will you tell us who the retailer is – are they in UK or elsewhere? What was the item and what is its value? Did you declare the correct value? Or did the retailer declare the correct value? You say you paid by credit card – not a debit card against your bank account? Please read around all the Hermes threads on this forum. There is lots of good information there. In particular understand your rights under the Contracts (Rights of Third Parties) Act 1999.
    • I am sorry, but without seeing the contract, and knowing what is on it or what effect it has, it is impossible to say.     
    • A16 BYN is the plates that the car was advertised with, and obviously the plate which I checked the mot history with, I also thought the same that the website maybe hadn't been updated with the most recent mot that the dealer had got done, I asked for the original plate number whilst doing the logging in to my bank account, to pay both the dealer and the shiply transporter. Bearing in mind I had told the dealer around 6pm that I would get the deposit sorted out when I put my son to bed, that gave him every opportunity to send me any pre contract details etc. Just over an hour later (son still wasn't in bed) asked for the address of where the vehicle was to be picked up from as I couldn't accept the quote for the transporter without that information. Less than an hour after that he whatsapped me asking if I still want to buy the car because he's getting enquiries from other interested parties and is telling them that he's sold the car to me (no deposit  paid as yet). I then replied a few min later having finally got my son to sleep.    Anyway between me sorting out the details and where to pick the car up from, log into my banking to pay deposits etc he'd  messaged me the original plate no... which I didn't see until after I'd done all the aformentioned.    I decided to check the history on that plate as like yourself I had been confused about the mileage, low and behold there was the most recent mot containing 5 advisories which were never mentioned to me. Another thing I can't really understand is the expiry date of the mot before that either and I did query all of this with the dealer, only to be told that cars in Scotland are renowned for corrosion issues...and that if I had checked the mot history I would have seen them, I explained I had checked the history on the plate in the advert as I had no knowledge of what the original plate numbers were and he told me that the most recent mot was under the plate in the advert. Most certainly the mot certificate he then sent me on whatsapp had the advertised plate on the certificate,  however, it wasn't showing up on the dvla page.    By this stage I was irate with him for several reasons, for not notifying me of the advisories and telling me that he had checked the dvla and the most recent mot was showing up on the advertised plates, I then screenshot the page with the expiry and this car is not mot'd information, and 2 for telling me that cars in Scotland are renowned for corrosion issues!    Had he simply said, the car is 18 years old you're going to expect to have some corrosion at some point, I'd have been a bit more tolerant at that stage. Apon checking the history on the original plates, it transpired it passed the last MOT previous to the most recent one on the same day the advertised plates ran out, I still haven't quite fathomed out what is going on regards to this. However the previous mot showed no corrosion issues and as it hadn't failed on that basis, I would get the panel beater sprayer mentioned in an earlier post to have a look at it, and sort the issues out re that, also the main reason I had the car delivered to my dad's address as that's also the area where the panel beaters business is.  
    • I had a similar thought, TJ. The Guardian has done an explainer of the rules as of yesterday.   Someone said that if the government, had retained public trust, they might not have needed stringent measures like this.   https://www.theguardian.com/world/2020/sep/28/england-new-coronavirus-restrictions-explained
    • Retailers and Hermes.   I have a parcel that’s saying delivered but not arrived. This dates back two weeks. The retailer won’t contact Hermes but Hermes are saying I need to let the retailer know my package hasn’t arrived - as the contract is between them and Hermes, not me. I am going around in circles. Retailer just says here is the tracking and won’t acknowledge the parcel hasn’t arrived! 🤬   Paid for by credit card. £89. Any advice, please help
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    • 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
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Minicredit/Opos/Kapama default on noddle file.


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Good afternoon.

 

I am back under anew guise.

 

I posted last year about a Minicredit default a £200 that ended up a £1200+ one after non payment.

 

 

I hate the companies & now the default stands at £522 with Kapama & shows 5 years of non payment on my noddle file but is not present on my Experian or ClearScore files.

 

It's on there till march 2018.

Do I let it slide,

 

 

I've still been getting voicemails from Opos demanding to speak to me

(I blocked their numbers so that's their best way of trying to get in touch with me)

for all I care they can do 1.

 

Will that default disappear in a years time.

 

I've a couple of other issues but that's 1 I'm looking to clear up for now.

 

Thanks in advance

 

Rob

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It will disappear on its 6th anniversary, never to return, unless they begin legal action.

Do they have your current address?

Many a backdoor ccj has been obtained at a debtors previous address.

Consider sending a CCA request which will make sure they have your current address.

If its in its last year before dropping off then i would expect activity on the account to increase and if they only have an old address because its not been updated or you havent responded in some way then a claim may well be issued to the old address which you will know nowt about until they have a judgement.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Ok thanks for that. The default itself is registered to an old address of mine for when I lived at home. Because of prior experience with myself they are walking on eggshells with me as it is & ive a good mind to start picking up the phone to them and god help them for what would come out of my mouth but that won't solve anything.

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Nope, it rarely does. Best to keep any communication in writing only, makes a good paper trail for later should you need it.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Rob I note thats your real name ..perhaps think of an alternative to protect your anonymity...PM me your preference.

 

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

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  • 4 weeks later...

Hi there everyone thanks for the replies.

 

Now I think I'm gonna leave that default where it is.

 

Now onto my other question.

 

I have missed payments in the last 6 months.

 

How long are they likely to affect my credit for because i got declined for an Argos card & Lloyds bank overdraft.

 

Many thanks

 

Rob

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Anything on your credit file, defaults, ccj's, late payments even closed accounts will stay on file for 6 yrs.

Credit searches are generally there for 2 yrs

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Rob I note thats your real name ..perhaps think of an alternative to protect your anonymity...PM me your preference.

 

Regards

 

Andy

 

Named changed given you have not made any response to my last post

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

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what was your old username?

 

 

https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=Minicredit+default+a+%3F200+that+ended+up+a+%3F1200&sa=Search+CAG#gsc.tab=0&gsc.q=Minicredit%20default%20a%20%3F200%20that%20ended%20up%20a%20%3F1200&gsc.page=1

 

 

any of these?

 

 

however yes your correct it will drop off the file on the defaults 6th birthday.

doesn't mean its not owed mind...............

 

 

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... 

 

 

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