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    • So do I gather that you are out of pocket to the tune of £2500 which is part of the purchase price and a further £1800 in respect of the warranty? The £2500 was used to buy the car. Did warranties200 per year or did they pay big motoring world directly?
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    • I did what I told my husband not to do…and I telephoned them. All credit where it’s due, the lady on the phone was very helpful. I’m not gonna lie I broke down on the phone as this has been incredibly stressful. Perhaps that helped, but I would like to think they just realised they sold us a faulty car.    so we only bought one extended warranty and that was with Nissan. The car salesman gave us the hard sell and we fell for 100%! Part of the sell was if there was ever a problem then we would only ever take the car to a Nissan garage. There was a problem after a few days and we were instructed to go to a third party grange! We contacted Nissan on the phone and they said they would put on a complaint for us so maybe that helped too.    we just want to try and get all of our spend back now. The deposit, money for the finance and money for the extended warranty. I reload we will probably have to pay costs but I guess we can’t argue with that. We just need a new car!!!! Aaarrgghhhh!    thanks so much for your help once again. 
    • Right I see I didn't realise it had to be laid out like that. I have had another go, sorry I'm really struggling here! 1.The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. The claimant has thus far been unable to produce any evidence that the alleged debt has been legally assigned to them. Nor have they been able to provide evidence that notice of assignment was given to the defendant on the dates stated in the particulars of their claim. 3. The claimant has given no details as to the breakdown of their claim or what dates it relates to. As a result the defendant is unable to specifically defend the claim until the claimant can show how the amount has been reached. In the claimants particulars of claim, the claimant openly admits that they have a copy of the agreement and its terms and conditions but have failed to provide these to the defendant. Pursuant to the civil procedure rules Practice Direction 16 (7.3) Where a claim is based upon a  written agreement: (1) a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s)  should be available at  the hearing. With the court’s permission the Claimant is put to strict proof to:- a) show and disclose how the Defendant has entered into an agreement; b) show and disclose how the Claimant has reached the amount claimed ; c) show how the Claimant has the legal right, either under statute or equity to issue a claim; 4. As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation that the money is owed. 5. It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
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    • 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.
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      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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Creedit Rating - Anyone help please?


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I hope someone can explain to me a couple of things.

 

I'm not heavy into debt. I have two credit cards £500 each both maxed out and minimum payments each month by DD

 

Overdraft on current account runs at £500

 

If push came to shove I could pay it all back within 30 days.

 

NOW

 

I tried to get more credit and/or cards but have been turned down by he major lenders.

 

Today I got my Experian Report which showed a national score of 926 on a scale of 0-1000 which they explained as higher than 70% of people applying for credit.

 

There were two anomalies on the report.

 

One showed a default from an old account which was paid off a few years ago but which still shows a big red 8 on it. (Default). I'm currently

suing A+L for the return of fees charged on this account. Do you think it is worthwhile to ask them to take it off?

 

The second anomalie from a catalogue company shows the account settled on 4/11/2003 but still shows " In last 36 months, number of status 1-2 is: 2 number of status 3+ is: 1" - which is nonsense

 

Any ideas either (a) how I can get these two fixed and (b) how I can improve my credit rating and set some !!

 

 

Cheers

 

Maranatha

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I hope someone can explain to me a couple of things.

 

I'm not heavy into debt. I have two credit cards £500 each both maxed out and minimum payments each month by DD

 

Overdraft on current account runs at £500

 

If push came to shove I could pay it all back within 30 days.

 

NOW

 

I tried to get more credit and/or cards but have been turned down by he major lenders.

 

Today I got my Experian Report which showed a national score of 926 on a scale of 0-1000 which they explained as higher than 70% of people applying for credit.

 

There were two anomalies on the report.

 

One showed a default from an old account which was paid off a few years ago but which still shows a big red 8 on it. (Default). I'm currently

suing A+L for the return of fees charged on this account. Do you think it is worthwhile to ask them to take it off?

 

The second anomalie from a catalogue company shows the account settled on 4/11/2003 but still shows " In last 36 months, number of status 1-2 is: 2 number of status 3+ is: 1" - which is nonsense

 

Any ideas either (a) how I can get these two fixed and (b) how I can improve my credit rating and set some !!

 

 

Cheers

 

Maranatha

 

Hey Maranatha

 

I can answer your first question. You can get the default taken off with Abbey. There is a paragraph that you should have sent in your preliminary letter that says as much. Not too sure on where you are with your Abbey claim right now, but I would suggest you have a look at the prelim letter in the FAQ and leave in the paragrah in red.

In answer to your second question, i'm not expert but I think you will have to write to the catalogue company and ask them to take it off. I'm sure someone else will be able to confirm this.... Good Luck!

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The second anomalie from a catalogue company shows the account settled on 4/11/2003 but still shows " In last 36 months, number of status 1-2 is: 2 number of status 3+ is: 1" - which is nonsense
I have always found Experian to be the better of the CRA's and they are normally willing to help.

 

Generally with a credit file the agency, in this case Experian, only stores the data and the lender is the one responsible for the data relayed to he CRA.

 

With that in mind the best person to 'normally contact' would be the lender (catalogue). In this instance however I would personally be inclined to contact Experian and ask them to query it with the lender for you as obviously there is a mistake given that the information references after the account was settled.

 

If you choose to contact the catalogue instead the address that is best to write to is the one that will be at the top of your credit file. If you do not have the right address then Experian will be only to happy to give you details of a contact within the company (they usually even give you a name). I would not waste your time on the phone to the catalogue scustomer services as the chances are you will never get to speak to any agent that can actually make a different to a file and they are unlikely to put you through.

 

So

 

a) Try Experian. That will hold more ground with the catalogue

or b) write to catalogue at address given by Experian and advise them of the problem.

 

I cant see this being a problem and see it being fixed easily. Be aware thought that Experian credit file updates to payment history are usually done on a Sunday following when the lender sent the information through... therefore leave it around 5 weeks after they say they have fixed it before you ontain a copy of your credit records again. Alternatively you can keep an eye on your file via Experian (Experians consumer site.... free for first month).

 

Hope this helps.

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... just to add.

 

Having a high national score means nothing as every lender has different criteria and there is never any definate acceptance score that means you will get accepted. Even though your score may be high 'Lender a' may have a policy of halfing the score of those who have more than 3 searches on their file within the past 6 weeks.... yet 'lender B' may not even consider previous searches..... you just cant tell.

 

You are talking about complying with acceptance rules that you cannot see.... therefore you will always be blind to what information they feel important.

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Although I work in business finance, my organisation also owns a bank. When we credit search individuals, we take no notice of the credit score, the number of searches or any irrelevant data. It is based on the amount of finance they have and their payment history. One default = a rejection.

 

My partner has an unblemished credit history with one credit card, one solvent bank account and a couple of happily settled accounts. However, he was defaulted on a catalogue nearly 2 years ago and due to this, he cannot get credit anywhere just because of the one default.

Lived through bankruptcy to tell the tale! Worked in various industries and studied law at university. All advice is given in good faith only :)

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experian have to remove it under data act

 

Actually... not quite right in this case. The person who submitted the data (the lender) is the one liable for the content. Experian cannot edit credit file data that has been submitted... they merely store it and make it available under credit regulation. Any action under the DPA needs to be done to the lender.

 

Experian however are very helpful and will try and make efforts to get the lender to correct it for you.

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Indeed chesham. I have an fantastic payment history on Experian with all my lenders however my partner only has one credit card. Yet, my partner got accepted for finance yesterday with a lender that turned me down last month.

 

The simple reason is current commitments and nothing adverse at all.... just goes to show that every lender is different and no two lenders look at the same picture through the same eyes.

 

Some lenders frown on defaults.... other will cancel out defaults if they have enough good payment history.

 

There are even some lenders who seem to accept people who have had a 'blemish' on their file yet decline those who seem to have a perfect file. I believe they are known as Preditory Lenders.

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companies write a default when you do just that, when you default on your payments. if you have agreed to pay £xxxx a month, and dont, they will contact you, and normally explain that because you are missing payments you are defaulting on your account. some are more lenient than others, but the first and most important thing to do is CONTACT THEM when it all starts to go pear shaped. companies would prefer regular lower payments than no payments at all.

Please note that although my advice is offered, you should consult your legal representative before taking ANY action.

 

 

have a nice day !!

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