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    • Yes, The Motor Ombudsman. To be honest, I don't know a huge amount about how exactly they operate. It was just the route I was recommended. I've been in touch with one of their board of directors to get more answers about my case, and it was exactly what I'd feared, so am trying to investigate as much as possible myself to find out exactly who can be held financially accountable to either provide them with those details and/or know who to take to court.   Whole story is quite long, but essentially I purchased the vehicle back in January 2018. Within a week faults became apparent - faults that they knew about but said it was just a 'dash light malfunction' and it would be fixed before they handed it over.   Took it back to them to fix once I realised I couldn't drive it in that condition. They had it for a week or two despite calling me a couple times to say it was ready to pick up. Finally got it back and had the same gearbox issues but even worse. Took the car to another garage who estimated damages to be £2500+, so took the car back and requested refund. That kicked off the whole process and of course they denied refund saying I should go through their 'warranty program', which wouldn't cover it all anyways.    I then took it to TMO, who then decided I needed to get another opinion so we went straight to a VW specialist as the car was VW - they estimated min £3000. Resubmitted that to TMO and it's been ongoing.    Received a final decision on 01 Feb 2019 in my favour granting full refund, but I have had no contact or update since then, despite attempting to call and email numerous times.   I've brought my case to the attention of two MPs, however imagine they are extremely busy at the moment given the current climate.   I have then called Citizen's Advice to find out what further steps I can take, and they've recommended small claims court.   I wanted to get all the information from TMO first before I consider/start going down this route so I've reached out via LinkedIn to some of the board of directors for TMO which has been successful and I've actually received an update, although it's what I feared and expected. That said, he assured me they would be meeting about it today to investigate further who can be held accountable/whether they're still trading, etc. I can't trust a speedy investigation given it's been 28 months already so I'm now trying to look into it to find more information.   I gather the parent and registered company is under Crown Motors Direct Limited, which might be owned by Ahmed Al-Waheeb and/or Nadjeem Kheloufi. They do still look to be actively trading locally under Chobham Central Garage. I've been in touch enquiring about a car and asked for Nadjeem, who they said I must mean 'Nathan'.    On companycheck it reckons the below, this is the company linked to director Ahmed Al-Waheeb. Not sure how reliable that information is.   Another interesting link is https://beta.companieshouse.gov.uk/company/09967993/filing-history - confirmation statement was made on 31 Jan 2020, and 17 Jan director Ahmed changed his DOB and address.
    • Getting to the point of my post, I took an Egg loan for £4000 in February 2001, paid it for 7 months before becoming unemployed and defaulting on the loan. Much happened at this time and I ended up moving a lot as well as being technically homeless.   I finally got settled and entered into an IVA with Eversheds for £5.00 per month in June 2005 and have since been making payments.   My issue is that having paid over £2,900 the balance is still in the region of £3,147.86!   I DSAR'd Egg back in 2011 and have the information in the attached PDF. According, to their own information they defaulted me 29/04/02 when the balance was £3,697.39 and marked non-acrr. The balance remained the same, or at least no changes shown until 20/11/02 when a £60 "Waive Fee" and £226.04 "Bad Debt Charge Off" fee increasing the balance to £3,983.43   Next change is when the loan account is sold to Arrow and the balance becomes £4,859.43!   Opinions and advice very welcome!   PDF Doc via Google Drive https://drive.google.com/file/d/1b39Rq3YZm7CdXDl8p_tITqf5aR5fckVp/view?usp=sharing        
    • agreed, you need a wills and probate experienced lawyer, don't try and do it using a self serve will kit, they're not much use at all.
    • When you say TMO, I suppose that you are referring to The Motoring Ombudsman. I don't know very much about them and I don't know whether their decisions can be enforced directly in the County Court. I will have a look. Meanwhile, please can you tell us the whole story of what has happened and the value of this problem. Even with small claims – you can win but you can still have difficulty enforcing the judgement and that could well be the case here. Do they have a premises? Do they have vehicles there? I'm asking this question is because I'm trying to find out if they have assets against which a judgement could be enforced – and I mean assets which wouldn't simply disappear
    • The airline says it will cover 75% of route network in August, but the number of daily services will be low. View the full article
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MBK

TBI Financial Services Ltd - WHO ARE THEY???

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Hello

 

Hoping someone here can offer some assistance please.

 

Having checked my credit file I note an entry from 'TBI Financial Services' who I now know are a debt collection agency having done some basic checks. I have no idea why they appear on my credit file and do not recognise the debt. Its been added to my credit file this year and appears as 'closed / defaulted'.

 

TBI have not made contact with me either by telephone or letter and I honestly do not recognise the debt or entry. Never heard of TBI until yesterday. Could someone advise what the best cause of action is if I want to get to the bottom of this?

 

My fear is that if this is indeed one of my old debts, I will open a Pandora box which I don't particularly want to!! 😏

 

Many thanks

 

MBK

 

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Should tell you the debt type

Typically HFC stuff

 

When was your last payment?

Have you moved in recent years?


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.

 

 

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Hello dx100uk

 

Not had any dealings with HFC as far as I am aware.

 

Never made a payment to TBI, but my credit file is indicating the account was opened in Jan 2019 and payment made in Jan itself. Feb, Mar and Apr are blank.

 

My credit file has open and closed accounts. This one is 'closed'.

 

No, lived at my current property for over 20 years.😑

 

Regards

 

MBK

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check noddle usually has better info.


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.

 

 

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Thanks for your help thus far dx100uk.

 

Checked Noddle as suggested. The debt appears to be a 'loan' taken and added to my file in Jan 2019.

 

I have not applied or taken out a loan. This is baffling!🙄

 

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sounds like id fraud then

quite easy to do.

 

contact noddle dispute the entry

tell them its not yours and you've never had a loan

bit quick for it to appear on credit files if it was taken out in jan 2019 mind

something not right here

 

creditor wouldn't default for 3 mts

and certainly not sell that quick either!!

 

 

 


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.

 

 

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Agree - This seems odd.

Send  a dispute through Noddle to them - You dont have to phone the DCA that way and you may get an answer as to what to relates to :)

 

Avoids them conning you :)

 


 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Many thanks dx100uk, fkofilee

 

I have made contact with Noddle. Just waiting for them to get back to me.

 

Cheers

MBK

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sounds like they have got the wrong MBK and closed the file rather than admitting an error and facing the consequences for that.

Noddle will not tell you much other than to contact TBI and ask them nicely, which isnt going to help you.

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