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    • 3 threads merged please keep to one thread.   forget the calendar section of a credit - no-one bar the original creditor and the person can see that   its the summary status line the any potential lender will only see.   so as it stands, she as 1 or 2 in the calendar section which, correctly shows she was either late with the required payment for that month or short paid what should have been.   although these will effect here potential 'score'. as said above only the lender and her can see them
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    • Hi all,   New to the forum, so please feel free to move the topic if needed.   I need a little help with a used car: I bought an 04 BMW from a dealer about 2.5 weeks ago. It cost £1,600. I gave it a test drive and it seemed pretty decent so paid via bank transfer and took it home. The issue started when I took it on a national speed limit road as the car started to sway on the road. I reported this to the dealer and he agreed to fix the issue. He took it to his mechanic who informed him that it was the drivers side hub. They didn't have time to fit it so gave me the part and the option to use a local mechanic. The mechanic agreed it would be causing the sway, charged me £80, which the dealer refunded to me.  The car was improved but we went on a short break over the last few days and I drove the car about 35 miles away. The issue now is there is a rumbling sound, noticeable on motorways and it doesn't feel particularly safe, especially over deviations in the road. As the swaying was the main issue I can't say if that rumbling was there to begin with.   The dealer has been fair to me so far in refunding me the money but he did admit he only test drove the car and it wasn't checked over fully when I took it back the first time. My mechanic said the play on hub was so bad it should never have been sold in that condition. I have messaged the dealer this evening explaining the issue but he has been a bit defensive saying the car does not have a warranty and he has already spent money on repairing it. He will need to speak to his manager and get back to me. To be fair to him he has attempted to repair it but for me he should never have sold it without it being mechanically checked over.  What do people make of this? What are my options if he won't budge and I need to take it further. I would like a refund rather than another repair as I feel I have been pretty patient so far. At the moment I have a car that isn't safe and I can't afford to take a £1,600 hit in my pocket.   Many thanks,   Mark.  
    • I have threads elsewhere re a repayment plan (6 months) with Barclays Mortgages during a maternity leave. Arrears now paid, trying to re-mortgage but with great difficulty. Not really advised of dire consequences of this decision, trying to get SAR info but no luck with telephone recordings as yet. Complaint handler appear sympathetic but who knows to what extent. Looked at Which website and they mentioned a Goodwill Adjustment letter which I have never heard of. Intention of this thread was to see if anybody had used this to remove bad markers from their credit files.
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petcat

petcat v abbey.

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well i feel like im talking to myself but anyway.....

She has replied and upped offer by a paltry few percent.I have replied and declined and asked for more suitalble amount just less than the full amount. awaiting the next installment.Hope its sorted soon,just dont have the energy time or money that i need!however if she dont agree then il put the aq in this week with the new strategy for section g.Bring it on.

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Hiya petcat :)

 

You are not talking to yourself; I have been reading with interest, just don't have any pearls of wisdom for you, I'm afraid. Don't have any for myself either, come to think of it!:o

 

Just wanted to give you my support, and I sincerely hope you get an acceptable settlement soon.

 

All the very best

 

Jo xx


Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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Arr thankyou so much, thats nice to know.

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Hi Petcat,

 

I told you my feelings already, but the choice is yours!!

 

They will pay up.... but at the last minute.

 

In the meantime I did get the Aq's to court yesterday and just waiting now for the judge to either strike out their defences ( 3 cases) or set a hearing date.

 

Good luck with whatever you decide.

DS

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I am watching your case with interest cos I am about to file at court with Abbey myself

Your not alone, but sometimes on this site it can feel like it... there is a distinct lack of experts around at the moment.........maybe you are too polite and not being noisy enough xx


I won against MBNA, Nat West , Barclays, Barclaycard and PPI payments from Barclaycard

Abbey National still to go.... what will I do with my spare time?

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thankyou to all who have replied. Today im giving inga chance to reply to the last email,but filling in the aq and considering the cpr18 request, must hurry on this one though, before allocation.feel stronger today nice to know people are following the saga and hopefully will make comment if i do something stupid.Good luck to us all.I cant wait to get this money back and take my little girl to disneyland, shes six and it will be our first holiday, so i intend to send them lot at ashursts a postcard!!!

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Hi Petcat

 

I'm in the same position as yourself, Inga offered me 65% so I rejected. She then up'd the offer to about 95%, I've been talking to her on the phone trying to chase emails ( aparently they have been moving offices ). she has suggested that we continue all discussions over the phone now.

 

I feel the same as you and just want to get this over with so I'll be accepting her offer ( it's only about £40 less than my full claim )

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hi thats great, ive asked for 92, she only upped mine to 72%.where do they get these random figures from.Just typed out my cpr18 request hoping to put pressure on them .Will email it later.

Pathfinder what tel no do you have for inga ive been trying today but just on answerphone.

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It was the number you gave me 02077564332. I've just tried myself and got her answerphone, but that could be because she's on a call, keep trying

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I personally would advise against phone conversations, as words can be put into mouth, sometimes without you even realising, at least if it is all done by email/letter/fax this is hard proof of everything that has been said, also in a phone call it is possible to forget some details whereas if its in black and white you cant forget anything.

 

Best of luck


:madgrin:

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I used the email route with Inga and she settled 100% within 24 hours. Well worth a try.

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well thanks everyone. Got through by phone upped offer a bit more-just waiting for her to call me back to confirm my acceptance and finalities.It might not be the full 100% like lucky toni,but its a figure im happy with.Will know after lunch and post a bit more info on here.To be honest its been wearing me down and making me quite manic,so i shall be glad to reach a con clusion.This site is invaluable and i will definately donate when its sorted.Keep thinking of all the poor sods who dont have the resources,ie pc etc, and arnt able to get such fantastic advice.Thinking of volunteering at CAB.

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Hi petcat

 

Got everything crossed for you, and really looking forward to reading some great news later.

 

Lotsa luv

 

Jo xx


Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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As long as you get the minimum amount you are willing to settle for, all is good.

 

Hopefully we will see yet another ******WON******


:madgrin:

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cheers Icy.Just spoke to inga she is waiting for confirmation to pay me at the % i asked for and assures me she will let me know today.fingers crossed. its only 1% more than her offer ,it sounds daft but every penny makes a differnce at the moment.Am i being daft?Maybe but im a girl with principals and no money.

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still no word from Inga.I half expected this .will call her in the morning and update when i know more.

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Course you arent being daft, i would hold out for the lot, if it was my claim, but like i say if they will pay you what you are prepared to go down to, then you have had a positive result.


:madgrin:

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hi- finally SETTLED!!!:) Realy happy got 80% which is what i always had in my mind as acceptable before i started claim.Although i feel a bit sad knowing it would have been 100% if i had held out.She says that they have to put the money in my act. even though i tried to close it last dec. and it only stays open until the overdraft is paid off.(this will give me a large credit which she says can be drawn at the counter a week tomorrow) I did ask for a chq. for all of it but this was refused.thanks everyone, any comments welcomed.

Do i still need to give litigation details to a mod?Also shall I still email my cprpart18request which is ready to go.

The AQ has to be in my 12th july so ill hold on that till the cash arrives.

Can i change the title on my thread or does someone else have to do it?

Sorry for all the questions

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Well done Petcat (thanks for your help on my thread), 80% is what I have always said I would be happy to settle for.

 

CONGRATULATIONS AND ENJOY SPENDING IT:D

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Well done, Abbey are busy this week. They sent me a letter today asking if I wanted a loan!!!!

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CONGRATULATIONS!!!!!!!!

WELL DONE - YOU DESERVE IT!!!

I can't help with your questions I am afraid, but I am sure someone else will be along in a mo.

Congrats again, and have a great day :)

Lotsa luv

Jo xx


Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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Thankyou i feel better now.was starting to feel like id let the side down. Wish someone would get all the way to the high court and force them to stop this disgusting behaviour. My offers even by email have always been marked without prejudice which i find incredible.especially when they include them with a full defence.

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Change your bank at once. Then negotiate with the old bank. Do it today. Pay no more money in until you have opened a new account at another bank. These people are taking advantage of your medical condition.Contact your local MP. I wish you well(in all sense of the words!)

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Well done Petcat! Looks like you have evrything in hand.Do not allow them to fob you off.Stand up for your human rights. It adds unwelcome stress to your life,but you know, you will come out of this a stronger person (believe me.I know.) GO GIRL. Everyone on the forum is with you..

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Hey Petcat. what is Reef? Do tell.

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