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    • Forgot to add that I presume I would need to issue the claim next Thursday which would have reached the end of the 7 day notice before action letter sent to the dealer last Wednesday 
    • I have not done so yet no, as this is completely alien to me, this is why I have requested assistance from CA, if I had known that consumer direct wouldn't be able to help me in this regard I would have contacted them sooner.    I could post the response I had from the dealer however there probably isn't enough space on the server! It was quite the novel of nonsense. This would maybe give you an insight as to what I am dealing with though. That said, you probably already have a fair idea!
    • I agree with the what you say.   However from prospect of an honest client what can be done?   They were contacted in time, to tell them the food is crap. they wanted the investigations team to look into it and they asked for photos.   today they are saying T&C 6 says its between you and the resturant.   aka we got the commsion they got the money and you can fork off.   i can fork off yes. however i want to do something about it. this is crona, not worked..... march. things are tight.    
    • As has already been said here, whether it takes five minutes or longer, the case will be closed in your favour. Enforcement is going to be a completely different issue. When do you issue your claim? Have you drafted the particulars yet? You may want to post them up here so we can have a look and comment before you actually issue the claim
    • I would like to think not too, hindsight is a wonderful thing, and I did say before had this all been done in a face to face situation I wouldn't be in this current predicament. I mentioned that he said after his first initial call to me about the clutch/strut needing replaced however the car requires a completely new paint job and stripping of the 'wrap' (actually a badly attempted effort at spraying with a plasti dip paint) which wasn't apparent in any of the pictures, nor did he mention it. However, even this doesn't come into it with the 14 days to cancel as no reason has to be given.    I'm hopeful that it if goes before a judge and the fact it was sold on a trade sales invoice will be case closed in my favour in under 5 minutes. 
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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
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
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      they said the dispute had been closed but Evans at no point had attempted a refund.
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      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
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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.

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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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