Jump to content


  • Tweets

  • Posts

    • Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe concenquences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points?
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
  • 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

Halifax and lots of PDL loans - Irresponsible Lending? and stepchange DMP help please


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 314 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

Hello,

I have just joined, my main reason for joining is in 2017 I took out a £5000 loan with Halifax, and I believe it was loaned to me irresponsibly,

I was on a zero hour contract job at the time, and then around a month later I split up with my partner, to my knowledge, I have paid back over £5000 but I still owe around £4500, and I had a Halifax credit card with them which I owed over £5000 on

they are now on a stepchange debt management plan, but I now want to start making a complaint to them, my account was sold to PRA group, so I am wondering to I DSAR Halifax and PRA group?

Thank you

Link to post
Share on other sites

firstly, why are you blindly using a DMP company that just makes you pay your debts to a no powers DCA?

a dca is NOT A BAILIFF - and have zero legal powers on ANY debt - no matter what it's type.

if they dont hold a signed copy of your agreement..... you are being cash cowed. and they get free drinks on you every month down the pub.

stepchange etc etc cant be bothered with enforceability as the banks and DCA's fund them.

pers id dump stepchange now and do the DMP yourself, after you've sent a few CCA request 's off mind!

 

as for halifax and an IRL complaint....

if you cant prove your credit file was shot with defaults at the time and lots of other debt, then it will be a hard job.

 

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

I am not sure regarding my credit file, at the time I know I had quite a lot of credit and it get a lot worse when I moved into a private rented house on my own,

I had taken out payday loans with lending stream and other providers and Halifax gave me money transfers off my credit card,

with regards to the DMP, I thought it would be better for my credit file in case I wanted to get a mortgage in the future, but I do not believe that to be the case anymore.

Link to post
Share on other sites

well looks like you've a long route of IRL complaints to make to each and every PDL Co too then?

i think its better we deal with these in the debt self help forum and as a whole thing....

so ive moved you there.

Debt management and Debt self-help - Consumer Action Group

 

can you list your debts with SC please

read a few thread in that forum and you'll get the idea

 

 

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

  • dx100uk changed the title to Halifax and lots of PDL loans - Irresponsible Lending? and stepchange DMP help please

PRA Group-Halifax 

Moorcroft-Very

Link Financial-Halifax Loans

PRA Group Barclaycard

Wescot RBS Overdraft

Moorcroft 02

Link Financial Lending Stream

PRA Group Halifax Overdrafts

Lantern-Lending Stream

Total debt is £16,000

Edited by dx100uk
unnecessary previous post quote removed
Link to post
Share on other sites

just type no need to keep hitting quote.

who are westcots stated client?

who are moorcrofts stated clients.?

look like you are being cash cowed by dca's on most of your debts esp LINK!! the worst lot of all.

pers id cancel your DMP.

how long have you been blindly paying these scammers?

and when were these debts 1st taken out?

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

Moorcrofts clients are Very and 02

Wescots client is RBS 

 

I said before about I thought it would improve my credit, but obviously that is not the case, and when I want to get a private rented property (I am currently living with parents) but I believe this is not the case and there chance of taking me to court is slim to none it seems? 

Link to post
Share on other sites

sorry the credit card was taken out in 2013 the loan in 2017, the RBS overdraft, lending stream one of the barclaycards were taken out in 2018, I also had quickquid and safetynet credit but they have gone into administration so have not bothered with them.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...