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    • 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
      • 162 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
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Hello, I have been a visitor here for some time now, and with the help of everyone here I managed to claim back over £2k from HSBC...WOOHOO!

 

I am trying my best to get my finances in order, and to be honest, I am doing quite well. HOWEVER, I have just obtained my Equifax record today and everything is great except for entries from NatWest and Vodafone.

 

On my payment history under NatWest, they have notified Equifax of a number of "late payments or arrears". This is shown on my record as a "circled yellow 1", and on two occasions a "circled yellow 2". The majority however are "circled green 0". There is nothing listed in the "Default Date" box, nor any mention of any defaults, just simply late payments which have been paid in full on the various occasions over the years, as I still hold the account with them.

 

Further down under Vodafone, well it actually says “Vodafone Ex Singlepoint / XXXXXXXXXX", I have a "circled yellow 1", a "circled yellow 2", a "circled red 3" and a "circled red 4", everything else is green. Again there is no mention of a default or anything outstanding, just simply these late payments, which have been paid in full.

 

Now I will be the first to hold my hands up and say that I was not very good with my finances in the past, but I am trying to sort things out now, and I could really do with everyone’s help and advice, or do I really have to wait 6 YEARS for these things to disappear?

 

I have read other threads about people successfully removing defaults that Vodafone have placed on their records, however I don't know if mine are actually "defaults" or not.

 

Please, please, please help.

 

Mike.

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hi i am not sure but you would need to send a sar off to the relevant companies and see from the infor they supplied if you have been hit with any illegal charges. Then you can go about clearing your payment history etc.

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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Thank you all for the quick replies.

 

They are genuine late payments....so there is nothing I can do?

 

If people can have "defaults" removed, which are "8 late payments", then surly I can have my 1 or 2 late payments removed.

 

Anything I need to do, I will do.

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Hello,

 

I am not sure you would be able to remove these entries. Default entires do show up as number 8 and the date a default is registed is put onto the credit file.

 

The reason people are getting defaults removed is because the paper work the various financial organisations hold about the defaults is not properly documented and as such because the data cannot be substantiated it is removed.

 

I wouldn't have thought you could get it removed. However you could add a notice of correction against this account to explain why it fell into late payments. This information is seen when a credit search is performed on your account. For example, in my case I was made redundant and so fell into arrears.

 

Hope this helps and if I can find out anymore then I will let you know.

Completed:

Woolwich: Received £30

Intelligent Finance: Received £1100 after two years and approximately 20 letters, 6 pieces of hair and an eyeball.

Barclaycard: Received £90

HFC: Received £170

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Just as a final thought, am I right in thinking that a "late payment" mark as described above, is the same as a "default" mark, and as such stays on your account for 6 years? Or am I just confused?

 

Thanks again.

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Have you read dayglo's thread on Voda?

 

I hope people will can Voda and switch to another supplier then, they might take a different view and remove the details from CRA's as the debt is paid etc.

 

I beleive you can obtain a unique number which allows you to move your existing number to another supplier.

Donate to keep this site open

 

Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

Make Cash Flow Forecast

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The current practice is that defaults are removed from your file after 6 years, regardless of whether they are settled or not as afr as I am aware.

Donate to keep this site open

 

Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

Make Cash Flow Forecast

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Yes that is correct after 6 years from the date of entry they are removed.

Completed:

Woolwich: Received £30

Intelligent Finance: Received £1100 after two years and approximately 20 letters, 6 pieces of hair and an eyeball.

Barclaycard: Received £90

HFC: Received £170

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I agree defaults are there for 6 years - believe me I know !!!! However late payments ie one two or three months in arrears (I believe) only show for an eighteen month period as soon as you make these payments up they disappear after 18 months ????

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Payment history stays on in one form for 3 years. If you go to this link you can view a sample of a credit report, the data on this will be available to inquire upon.

 

CreditExpert.co.uk

 

This shows the status for the last 12 months AND the number of times in the last 36 months your account was at a certain status.

 

 

Hope it helps.

Pam.

 

If anything I've said helps you then please feel free to tip my scales!

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I tried calling Equifax but I think I was too late. Will try again in the morning.

 

As for the late payments, 3 years is better than 6, however my last late payment with Vodafone (which is now a closed account by me) was September 2004. As for the late payment on my NatWest account, that was a couple of months ago.

 

I have looked over my credit file again, and it does show payments (good and bad) going back further than 3 years.

 

Fingers crossed then, does this look like I only have to wait until September 2007 for the Vodafone markers to disappear?

 

Thanks everyone.

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iNFO STAYS ON 6 YEARS FROM THE DATE YOUR ACCOUNT CLOSES FOR WHAT EVER REASON

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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  • 1 month later...

I Had a bank account with Barclays and owed an overdraft I had been paying a DCA for almost a year then got fed up of the knife being constantly being turned. I had all my old statements and realised that they owed me £80 more than the balance outstanding.

 

My cousin has just died at the tender age of 19 years old (Adult version of cot death :-( ) after that my brain has just gone. I have even started smoking even though I can't stand my clothes smelling stale. So stupid as it may be I called Barclays (I just couldn't be bothered to fight- my aunt took it that bad she tried to kill herself.) and said that the minimum I was prepared to accept was for them to write the rest of the debt off including default which they said the recovery department would have to do.

 

I signed to say that I accepted their goodwill gesture. Now I think that they should go under "one night stand solutions" because since signing they are no where to be seen. I have not even had a letter to say that they have pleasured them selves buy not having to actually part with money. I contacted experian and told the unlawful default due to charges etc... She actually said that she was glad that I had claimed back and that she would contact th Bast**** to get them to sort it.

 

I called Experian again and spoke to a complete bi*ch who would not give me any information except that I would have to order a new copy of credit file to find out.:eek:

 

I the had a letter from experian one week later to say that Barclays had marked the account as settled and now that they have they have removed my comments. I called experian again and spoke to a quiet lass who sounded on the verge of crying. She said that the default had not been removed but marked as settled. She also told me that there would be no date put on my file for date settled but that the default would just be removed 6 years from original default. I said that it was a default due to unlawful charges and that it shouldn't even be on there. I said that I was in a good mind to take them to court.

 

Then I could almost hear her smile before she said Yeah I think that your right..Sorry about the rant everyone (partly alcahol induced) but now I am in the mood to bring it on with Barclays. I don't want money just default removed. Has anyone made an offer before applying to court and is trying to get a default removed? if so I would love to hear from you.

 

Cost to request payment from Barclays...

First class recoded delivery........£1

Phone call...............................80p

Cheating yourself.....................F***ing Priceless

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So if I keep my NatWest credit card for another 10 years (and not close it), will credit checks keep throwing up my late payments from 2002?

 

no

after 6 years they will be wiped as the cra only keeps a record of upto 6 years.

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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LATE payments (1) are only kept on file for between 12-36 months depending on how often. I have 1 late payment each with Tmob, halifax cc, and cap 1. Defaults (8) are kept for 6 years

I called Experian and they say they should drop off in about 6 or so months (had to take an unexpected trip home early last year due to family emerg and missed a payment on nearly everything when i was gone) however my credit score is still rated as GOOD.

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Hi default was end of 2005 so that it will be automatically wiped end of 2011. Whoah I am going to try and get this removed I want a debit card so that my bills clear more quickly. Thanks for the reply.

 

Actually I printed a letter off that some one had used to let the bank know that they no longer have their permission to process data. Do I send this first before sending letter asking to remove default. The bank have no signed agreement from when I opened bank account (this was done when I was 9 years old) then overdraft applied for when I was 18 and I am 28 now. I think overdraft was set up over the phone or in branch I can't quite remember how it was that long ago.

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oh and splitting kittens, you need to take action against barclays to get that default removed. read around and good luck

 

unfortunately Experian can only remove defaults when instructed by the lender.

 

 

send equifax a sar and wait for thier reply. As if they correct the informatio then the rest of the cras have to follow.

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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