Jump to content


  • Tweets

  • Posts

    • Looking for a bit of assistance. I moved into a rented flat on 20th April 2024. I viewed it on the 14th April. Before I moved into the flat, the letting agency provided me with an offer sheet, in said offer sheet I made a number of requests and conditions related to me progressing with assuming the tenancy. These were: 1. A professional clean of the flat prior to move in date. 2. The hob, shower glass and bathroom cabinet be replaced prior to move in date. These were all planned actions by the landlord when I viewed it. I could see the boxes for the hob and other items in the flat. I prepared to move in on the 20th April but none of the work mentioned in the offer sheet had been completed. The standard of the clean was abysmal - mouldy food left in the fridge, nothing wiped down, bathroom mouldy etc. The hob, shower glass and bathroom cabinet were also not installed. I decided to not officially move into the flat as it was not in a condition as promised, my partner lives relatively close by so I lived with her initially. It was only on the 24th April that the hob, shower glass and bathroom cabinet were installed. The cleaners visited again 2 weeks after move in date (3rd April) and attempted another clean of the flat. Again, it was a poor job. I resorted to cleaning the flat myself. I have numerous pictures of the things I identified during my clean and have sent this all to the letting agency. Because of the issues faced, I asked the letting agency that the rent be reduced for the initial month. Exactly halved - to represent the 2 weeks that I was not living at the property. The landlord and letting agency have responded by saying that they will be willing to accept 1 weeks rent as a deduction but not 2. My question is, am I in a strong position to insist on the 2 weeks rent returned or have I been fortunate that they have even offered a weeks rent as a deduction? I would like to insist on the 2 weeks. I have paid the 2 weeks only as my rent collection date passed 2 days ago. Thank you for any assistance. Any further relevant details required let me know and I will provide.
    • clarks are just like the rest of 'em. couldn't careless, your advantage here is it's not legally your car, the finance co. should be bought into play . as i think BF eluded too , or has in other threads, if dealer/finance co. dont sort it between themselves FOC to you, another option is to get it fixed then bill both for it, if they refuse, then a court claim is very simple and cheap option to recoup your losses. see where it goes. just musing. dx
    • Thanks for that. Much appreciated. I would have assumed they would have had contacts to do such work as well. I think it's just the general rubbish attitude from Arnold Clark as the amount of times the General Manager of the place was rude or kept referring to "it would have to come out of my margin" to fix issues. Like it was my fault. Oh well - Won't be buying anything from them again.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Very Group - Unaffordable debt


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 407 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi CAG team, 

 

I’ve recently seen a few advertisements requesting that i check my eligibility for a refund for unaffordable credit with the very group.

 

I am fairly certain I would be eligible but I was wondering the process involved, I couldn’t see a thread on here so thought I would start a new one!

 

cheers

Link to post
Share on other sites

Have you raised a complaint with Very about them providing credit that you could not afford, due to insufficient checks on your ability to afford repayments ?

 

The advertisements are presumably from companies that are hoping to make money from the process of trying to claim money back ?  And they would take a percentage of any money refunded.

 

What are the reasons you would state in your complaint to Very ?

 

Do you have copies of all information to help you make your complaint ?

 

If you don't have enough information, the first step may be submit an SAR to Very.

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

 

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

Link to post
Share on other sites

Steer clear of any company offering this sort of service.  Tell us more about your debt here, and we may be able to help you work through this on your own.

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

 

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

Link to post
Share on other sites

  • 2 weeks later...

Thank you both for your reply!

 

@unclebulgaria67I haven't as of yet, I thought I'd get some advice on here first. I have just sent very my SAR so I will expect a response within a couple of weeks.

 

@London1971 

I think i could form a very strong and just complaint.

 

During my early adult life i became a very good (excuse the pun) Very customer, and throughout this time they rewarded me with a ridiculously high credit limit which wasn't relative to how much i was earning at that time and the state of my credit file.

 

I seem to remember the credit limit being in excess of £5,000 but i will be able to confirm when the SAR is returned.

 

At the same time, from 2013 - 2016 I was using payday loan services (such as QuickQuid and Wonga) in order to keep up with the repayments to Very, despite this, the credit limit kept increasing.

 

At the same time as this i was increasing my overdraft when possible and applying for credit cards in order to move money around.

 

I have confirmation emails from the payday loan firms at the time and can submit these as part of my complaint.

 

What are you thoughts?

 

Would you say this is grounds for a complaint?   

 

 

Link to post
Share on other sites

no!!

 

though you might well have reverse claims of irresponsible lending against the pdl companies!!though most have gone by the wall now as £10m's reclaimed and won.

 

 

never seen anyone with a case of irresponsible lending on a catalogue company (rolling credit - its not a loan!)

its a catalogue account.

 

those adverts are a scam, as it automatically inserts credit card or a bank name in the next advert

 

never ever use a CMC!!

 

do irl claims yourself its free!!

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... 

Link to post
Share on other sites

Yeah i did investigate a claim against QuickQuid and Wonga years ago but I was too late and they are now defunct.

 

So are you saying that there is no point in pursuing a complaint/claim for irresponsible lending against Very? 

 

I am aware that it was not a loan that i was being given although it was credit, thank you for this information despite it reading like you are speaking at me rather than too me.

 

What is a CMC?

 

I am investigating doing an IRL claim, this is why i am here posting on this board to see if anyone has done this before and if it is worth doing  

Link to post
Share on other sites

Posts made here are designed to generally help everyone, as they stay forever. 

 

Unless you have copies of your credit report showing you had numerous defaults registered at the time of each spending limit increase, you are going to have a hard time proving IRL 

 

The rest of your evidence might not cut it alone without that. There is also the 3yrs rule they will cite, which is difficult to get around, that you reasonably knew you could claim anyway, but didn't 

 

The other thing that won't help you is taking out other credit to feed the balance, you did that not forced by very to do it 

 

You can't use bad personal financial decisions on an innocent creditor, when to all intent and purpose, you were paying them ok nor raising concerns them to then 

 

Hard rock to crack 

 

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... 

Link to post
Share on other sites

Never defaulted fortunately.

 

What can i say, i was young and dumb at the time. If someone is giving you money to spend, you spend it!

 

Noted, thanks again for your input. I'll not proceed any further with a claim or complaint.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...