Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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

Universal Credit Loan CCJ - Now Paragon - Paid 19k Still owe 6k


spuddly
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5382 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

Great and totally agree especially as these documents are supposed to be true representations of all the files they have on me.

I really need help in what to put in my letter ,any suggestions please..

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##

Link to post
Share on other sites

  • Replies 183
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

nice...:)

 

i will use this if it ok with you and send them a cheque for £103 for this months payment,RD

The DMP were offering £155 each month but i still reguard this matter in dispute..

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##

Link to post
Share on other sites

Been through my Equifax and credit expert reports it would seem that this paragon account does not show up anywhere on the searches !!.

 

I can only find two refrences to paragon on my credit reports

 

1. Paragon personal finance,(previously CHATHAM FINANCE) who live in the paragon hovel..

 

2 Pargon personal finance plc LOAN (£5 a month)

---------------------------------------------

3.Paragon personal finance £10k loan

 

---------------------------

1. I was sent a copy of the actual agreement from chatham finance with T&C in april OK..have sent letter to ask for Full and final

no responce as yet.

 

 

2. Paragon P/F loan for insurance on a suite back in 2001 sent agreement but no T&C

-------------------------------------

3. and ABSOLUTLEY NO REFRENCE TO PARAGON NUMBER 3 UNDER THIS ACCOUNT which issued a ALLEGED DEFAULT and took me to court to get a 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##

Link to post
Share on other sites

When they CCJ'd me am i right in assuming that the payments up till then can be included in my total and not from there judgement date..?

 

I have sent my letter by R/D 20/06/07 with CCJ payment waiting for a 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##

Link to post
Share on other sites

at last aquired a scanner ...

 

here is the copy of letter recieved from one account with paragon...

 

firstletteredit.jpg

 

 

and here is the agreement

 

CCAparaedit.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##

Link to post
Share on other sites

No T&C were sent with agreement .

 

Does this constitute an unenforcable agreement even if it has signatures etc ,therefore i should start re-paying the account or wait for Terms & agreement before doing anything.

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##

Link to post
Share on other sites

  • 2 weeks later...
sent offers today using template from nationaldebtline website to

 

Halifax loan owe £234 offered £140

Halifax overdraft owe £198 offered £120

customer solutions. owe £477 offered £290

 

update...

 

halifax loan agreed to £152 F&F

sent cheque for £152...Paid:D

 

halifax overdraft agreed £190 F&F

Ofered to pay in 2 instalments accepted 1st cheque £95 sent:)

 

no responce as yet from customer solutions.:confused:

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##

Link to post
Share on other sites

No T&C were sent with agreement .

 

Does this constitute an unenforcable agreement even if it has signatures etc ,therefore i should start re-paying the account or wait for Terms & agreement before doing anything.

 

anyone....:)

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##

Link to post
Share on other sites

I have sent a sar to them on 26/06/07

so ill will hold on till it turns up in the request.

Cheers:)

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##

Link to post
Share on other sites

reply to my S.A.R - (Subject Access Request) request came today..

 

letterreply3july.jpg

 

sheet1statement.jpg

 

 

 

sheet1statement.jpg

 

 

several sheets of payments and thats it!!!!

 

so much for T&C eh!!

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##

Link to post
Share on other sites

I have not got confused...:)

 

already sent cca

 

ccaREQUESTMAR07.jpg

 

and next

 

 

sarREQUESTJUNE07.jpg

 

they also returned the £10 cheque with thier letter

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##

Link to post
Share on other sites

Well they also applied the £1 cheque to my account??

 

added1toaccount.jpg

bloody cheek..:mad: :mad:

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##

Link to post
Share on other sites

Thats good news:D :D

 

Thanks

 

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##

Link to post
Share on other sites

  • 2 weeks later...

still no T&C or S.A.R - (Subject Access Request) documents...i feel another trading standards complaint coming on (after cabot)http://www.consumeractiongroup.co.uk/forum/cabot/78350-cabot-financial-response.html

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##

Link to post
Share on other sites

no reply as yet to CCJ request letter :???:

they have cashed the cheque for £103: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##

Link to post
Share on other sites

  • 2 weeks later...

sundrydebits.jpg

 

what are sundry debits:confused: ?? when i sent for the sar request all i got back was another set of statements THATS IT!!

no explaination of sundry debits :confused:

 

they come to £200

 

and on the paragon statements they say i still owe them £250.63:mad:

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##

Link to post
Share on other sites

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##

Link to post
Share on other sites

??? 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##

Link to post
Share on other sites

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##

Link to post
Share on other sites

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##

Link to post
Share on other sites

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##

Link to post
Share on other sites

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##

Link to post
Share on other sites

  • 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##

Link to post
Share on other sites

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##

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...