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    • Thank you. Please will you repost your images in one single multipage PDF file – the right way round et cetera.  
    • And just to reiterate – I'm sorry if the message above sounds a bit harsh. We have to get the message out to other people who visit this thread as well. I realise that you are having a difficult time and we will do our best to help you, of course
    • The last photo shows the overflow carpark looking at the block which our room was located. When we got out of the car my partner thought that the building was for staff accommodation.  The unsecured bedroom window opened onto this car park.
    • Also I see that you are doing a lot of this on the telephone – and without any written confirmation. This is a big mistake. You need to start taking this matter seriously and so everything should go in writing. If you have telephone calls then they should normally be recorded. Read our customer services guide. You should make notes about every telephone call and then you should send an email to your telephone correspondence confirming what they have said or what they have agreed. It is important that you keep detailed paper trails here. Of course we may be jumping the gun and maybe big motoring world will step up to the mark – but I'm afraid that they have a lousy reputation has you have seen and so you need to start practising survival techniques and protecting yourself. You say for instance in your letter of rejection that the mechanic told you on the telephone that the gearbox needed replacing. Do you have any other evidence of this conversation? This is going to sound a bit harsh – but other people will be visiting this thread as well for their own purposes. You conducted their research about this company before you bought the vehicle. You now are fully aware that this is a company which can be very difficult to deal with and causes a lot of problems for many of their customers and yet you are still taking a telephone/verbal approach. Do I need to say any more? Also one of the documents you put up is an email exchange but it is not clear who is writing to who or what dates. If you showed this email to somebody in a pub they would be asking lots of questions about who sent the first message, who sent the second message, what dates were they sent et cetera. Please think about this before you post things. Please can you clarify the details of that email exchange. Please will you present the information carefully. We are all volunteers here and we have to rely on you to do the spadework
    • I told the DM that the room was not acceptable because of the reasons already mentioned. He informed me that they were full that night and that they could move me to the room next door (would not solve my problem with the rooms location). Told the DM that I could not stay in the room provided for the night so left no option but to leave. DM did not reply and I walked out.  
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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
      • 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
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Universal Credit Loan CCJ - Now Paragon - Paid 19k Still owe 6k


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Thank you for your response's

However ...seeing as Paragon have returned my cheque for £10 which was sent with the original sar request and they say this is all they have in relation to this account then they are taking sundry debits without providing me with an explanation as to what they were applied for !!

 

 

returnedsarparagonsuite.jpg

 

also still waiting for a copy of the T&C's

spuddly:)

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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??? if all the sundry debits are not accounted for then surely they have added interest onto the £200 they already added??

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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off to TS now will update later..

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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spoke to Trading standards and they suggest writing a letter to ask what sundry debits are so i put this together for them to chew on .

 

Paragon personal finance

ST CATHERINES COURT

HERBERT ROAD

SOLIHULL

WEST MIDLANDS

B91 3QE

Dear Sir/Madam

 

ACCOUNT NUMBER Re

 

This account is still in dispute

 

Thank you for your letter dated 3/07/07 the contents which have been noted.

I have sought advice from Trading Standards and after going over the statements of the account opened 18/02/2001 I have noted that you have applied sundry debits to the account and they total £200 which is more than the original amount when I joined the Debt management programme which at the time was £138.00 (26/02/2002).Could you please justify these charges.

As I have never received a copy of the agreement until 18/07/07 and no terms and conditions I do not acknowledge these charges and require them to be refunded in full.

I had already paid an upfront fee interest of £25.28 according to the statements sent no interest was applied until 2003.

May I remind you that you returned my subject access request cheque for £10 as it did not apply to this account, therefore you have no correspondence in relation to this account other than the alleged credit agreement.

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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spoke to Trading standards and they suggest writing a letter to ask what sundry debits are so i put this together for them to chew on .

 

Paragon personal finance

ST CATHERINES COURT

HERBERT ROAD

SOLIHULL

WEST MIDLANDS

B91 3QE

Dear Sir/Madam

 

ACCOUNT NUMBER Re

 

This account is still in dispute and I do not acknowledge any debt to you or anyone you purport to represent

 

Thank you for your letter dated 3/07/07 the contents which have been noted.

I have sought advice from Trading Standards and after going over the statements of the account opened 18/02/2001 I have noted that you have applied sundry debits to the account and they total £200 which is more than the original amount when I joined the Debt management programme which at the time was £138.00 (26/02/2002).Could you please justify these charges. as they appear to have been unlawfuuly applied

As I have never received a copy of the agreement until 18/07/07 and no terms and conditions I do not acknowledge these charges and require them to be refunded in full.Therefore you have not complied with my request for an executed agreement under CCA 1974

I had already paid an upfront fee interest of £25.28 according to the statements sent no interest was applied until 2003.

May I remind you that you returned my subject access request cheque for £10 as it did not apply to this account, therefore you have no correspondence in relation to this account other than the alleged credit agreement.I stiil require details 0f ALL DATA held by you including telphone calls, computer records, written transcripts and any verbal discussion or manual intervention[/quote]

 

 

JUst acouple of additions you may want to make against Parasite

  • Haha 1

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Thanks ODC,

I will pop the cheque back in the letter just for good measure and let them send it back again if they want..;)

Spuddly:)

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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2nd S.A.R - (Subject Access Request) sending today

 

Paragon personal finance

ST CATHERINES COURT

HERBERT ROAD

SOLIHULL

WEST MIDLANDS

B91 3QE

Dear Sir/Madam

 

ACCOUNT NUMBER

 

This account is still in dispute and I do not acknowledge any debt to you or anyone you purport to represent

 

Thank you for your letter dated 3/07/07 the contents which have been noted.

 

I have sought advice from my local Trading Standards.

 

After going over the statements of the account opened 18/02/2001 I have noted that you have applied sundry debits to the account and they total £200 which is more than the original amount when I joined the Debt management programme which at the time was £138.00 (26/02/2002).Could you please justify these charges. As they appear to have been unlawfully applied as I have never received a copy of the agreement until 18/07/07 and any terms and conditions, you have not complied with my request for an executed agreement under CCA 1974; therefore I do not acknowledge these charges and require them to be refunded in full.

 

I had already paid an upfront interest fee of £25.28 according to the statements sent. Then no interest was applied until 2003.

 

May I remind you that you returned my subject access request cheque for £10 as it did not apply for a copy of the statements to this account, However, I still require details 0f ALL DATA held by you including telephone calls, computer records; written transcripts and any verbal discussion or manual intervention I am once again enclosing the £10 cheque to cover the fulfilment of my original SAR.

 

Due to the current postal strikes I would hope to receive a written response within the next 10 days upon receipt of this letter.

 

Yours sincerely

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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  • 3 weeks later...

I sent my second letter with payment for £103

no reply reguarding status of CCJ think they are ignoring my letters:mad: .

  • Haha 1

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Hi

no reply as yet to my 2nd sar request letter.

also cheque not been presented for cashing as yet.

I hope they are getting a cheque ready for me instead:D

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Hi

any suggestions as to what i could add to my third letter....

Paragon must have to reply eventually ..Dont they?

spuddly:)

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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I'm sure someone more knowledgeable will be along later spuddly, but just wanted to say at least if they try to take you back to court over this you can prove they have deliberately ignored your letters and legitimate requests. Having read your thread I would say they probably know a judge would dismiss the claim due to the amount paid back and are just hoping by ignoring your letters and continuing to harass you that you will cave in and cough up or are hoping that the fact they have a previous CCJ means they can ask for anything they want. Perhaps in your third letter state the whole story and your queries and state if no reply within 14 days you will proceed with a complaint to the FOS?

Just wondering as a layman if any of the more knowledgeable bods like tom term,laiste, et al could advise can you apply to the court to have the CCJ marked as satisfied as you have proof the whole amount has been paid?

Good Luck they sound like swines

ali x

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

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  • 5 weeks later...

Hi

well the last letter i sent seems to have done the job for me in this case as i recieved my SAR today and on the last page of the contents page i read this...

 

closedparasuiteaccount.jpg

 

cheers paragon:D :D

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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para---goneeeeeee never did send me any thing whilst i was paying them over the years to let me know that they were taking £10 a time for missed or late payments and they realised this in my opinion and that is why the account was closed. they didn't have a leg to stand on!!

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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  • 1 month later...

hi, my partner had a ccj with a finance company after doing a cca the agreement came back with bits missing ie no terms and conditions etc i wrote them a strong letter of complaint advising them to remove the ccj or i would be taking them to court. and to my surprise they did have it set aside lol on the grounds that they had not dealt with the complaint in a timely manner.

 

good luck

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  • 1 year later...

HI,

My last post regarding this thread was 2007 and bearing that in mind this new thread is an update from that see http://www.consumeractiongroup.co.uk/forum/general-debt-issues/89866-originally-10k-now-paid.html

 

Well the time is now up and after sending final payment recorded delivery and enclosing a cheque this is the response.

 

Do they want more cash!!

 

 

para5may09personalremoved.jpg

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Thanks for your comment cerberusalert , my wife seems to think that they are going to go for the interest they say has accumilated whilst paying of the CCJ all these years.

We did S A R them and are going to look through the paperwork again.

 

Spuddly:)

Edited by spuddly

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Hi

Looked in S A R cannot find any more than 2=£20 thats it...

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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Hi,

Fixed amount- only according to papers from courts on 2007 post no mention of interests payable upon final payment of CCJ.

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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LOL...:D:D

 

I thought their next letter would be asking for the interest in total however much it is???:rolleyes:

 

spuddly:)

 

ps

Think i'll stick that picture on the letter head when i reply...

CITIFINANCIAL

http://www.consumeractiongroup.co.uk/forum/general-debt/85300-citifinancial-unable-find-my.html

:D :D ###WON###:D :D

 

## natsy westy result £250:p

## Halifax overdraft settled ##

## Halifax loan settled ##

## chatham settled ##

## paragon suite closed##

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