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    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
    • A 'violent left wing mob', comprised of a chap in a red hoody with a damp polystyrene coffee cup and a bit of wet cement, gets nowhere near cowering frightened farage some distance away on top of his double decker bus .. as farages security and support seem to film the incident grinning     Farage bravely flinches, grimaces and seems to almost burst into tears as the 'objects managed to travel a part of the way toward his position on top of his bus. His reactions honed by having a bit of milk splash him at a prior incident allow him to swiftly fall into a protective cower and grimace .. .. Sometime after, once the mob of 1 had been safely bundled away, farage apparently wipes his eyes of tears, and rising from his cowed and frightened pose, bravely shouts “I will not be bullied or cowed by a violent left-wing mob who hate our country.” .. however few they may comprise of.   https://www.independent.co.uk/news/uk/crime/nigel-farage-cement-barnsley-reform-uk-b2560501.html  
    • According to Parkopedia parking is limited to two hours.  I don't know how accurate this is though. What were you doing there for four hours?
    • no its friday 21st by 4pm if you'd done it properly and read the sticky in post 2 it clearly says: ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM  
    • Have had a read up just to double check last day to file defence is 24 June (claim form date is 22 May)
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ROLL CALL: Who has sucsessfully had defaults removed?


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I'm with the #25 and #26 on this one..........could the Mods make a quick note of that pls.....?

Co-Operative bank default removal - succesfull december 2007.

 

Capital One Bank default removal - succesfull february 2008.

 

Co-Operative bank Visa default removal- Claim filed March 2008

 

Smile default removal - ongoing

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  • 4 weeks later...

Once again this thread was a great idea by TheAnalyst but it seems to have died. It would be nice to know over the last month or so if there have been more successes, particularly defaults that were not all made up of charges. Many people talk of going to court to get defaults removed, it would be nice to see the successes.

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Hi Gooner, I have had success with two, but they were essentially the same wrong information, the third piece of that equation is still ongoing, only achieved a marked as satisfied on a non existent account so still not happy, guess who CAPQUEST!

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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The aim of this post is to get an idea of who has sucsessfully had defaults removed from their credit files....

 

Reply with the following information if possible:

 

Name of company that registered the default

Amount of the default

Was the account settled or did it still have a balance

If the default was all/part/no charges

What action did you take & on what grounds did you request the default removal

What (if any) third party was involved (Information Commissioners Office, FSA, Court etc)

 

Thanks in advance! ;)

 

It was some time ago now, but I may have been the first here to use the "no CCA = no default" arguement. That worked for defaults issued by HSBC (3K - settled), MBNA/Link Financial, (7K - 4K outstanding) and a car HP agreement.

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Maybelline - at least you were sensible enough to check your credit file and then get the wrong info rectified.

Rose - Were they mostly made up of charges? Mine were partly charges but were all satisfied 3 years ago and within a month of default. Wish I had declared meself bankrupt and not given them a penny.

At least you and the other successes here give us all hope.

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  • 2 months later...
Finally had a result which makes the last 5 months and at least 20 letters to various creditors somewhat worthwhile :)

 

RBS have agreed to remove my default and instruct AIC debt recovery to stop pursuing me for £290.

The default of £2560 was made up mostly of charges which they refunded and the remaining £290ish was unauthorised overdraft interest that I would have never had if there had been no charges in the first place.

 

This was after the 4th letter I sent them and had to include copies of all statements and prove from those statements that had I not been charged I would have never been overdrawn in the first place.

 

Should be off my credit files in the next 72 hours ... :D

 

Hi Analyst, I notice on your list Welcome have removed a default -they seem to be digging their heels in over on the WF threads on defaults that are wrong on unenforceable agreements, any tips?

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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two defaults removed after sending surlybonds letter

 

1st credit DCA was originally barclay card

style financial services aka ted baker card

 

 

crh well done, lets hope more successes follow:)

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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two defaults removed after sending surlybonds letter

 

1st credit DCA was originally barclay card

style financial services aka ted baker card

 

I think RBS (Style) have taken a decision to settle all Default removal attempts given information I have personal experience of - I can't say more at this stage in open forum, but it appears the Surleybonds letters are having the desired effect at an early stage of the proceedings.

 

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ANY PHONE COMPANY DEFAULT REMOVALS OUT THERE??????:confused:

 

I've had Judgment by Default against 2 for O2, but that could be a one-off that is challenged by them anyway? :roll:

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/111666-car2403-o2-wescot-dca.html

 

Have to wait to see what happens next...

 

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  • 2 weeks later...

Right, i've had more success! :)

 

the Carphone warehouse have removed the default on my account once I cleared the £260 debt, they changed it from a "8" marker with 1,2,3 & 4 ;late payment markers before it to "S" with 3,3,4,4,4,4 ( :confused: ) before it.

At least the default is gone, its still a result.

 

Welcome Finance .... there was a £3565 default with the full amount still owed. I have sent so many letters to them, they did supply a valid agreement and i was getting nowhere with them regarding no default notice, ppi and charges so yesterday I offered the Lewis Group (Welcome's DCA) £1200 in full and final settlement on the condition that the default be removed completely, THEY AGREED! and I have it in Writing! :o :D

 

Very happy man today :)

 

Just leaves 1 more default (Littlewoods, grrr!) and a satisfied CCJ to remove!

Completed:

RBOS Charges - £2435 settled in full :)

RBOS Default Removal - Removed :)

Carphone Warehouse Default Removal - Removed :)

Welcome Finance Default Removal - Removed :)

Viking Direct CCJ - Removed :)

Littlewoods Default - Removed :-o

 

Ongoing:

N Hunter SAR

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I think RBS (Style) have taken a decision to settle all Default removal attempts given information I have personal experience of - I can't say more at this stage in open forum, but it appears the Surleybonds letters are having the desired effect at an early stage of the proceedings.

 

My RBS one removed;

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/110150-car2403-rbs-plc-default.html

 

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Hi All

Default was with HSBC for £3400 with illegal charges involved. March 2007 sent letter asking for original copy of default letter as none was received. Had no reply to this letter but hey presto the default was removed from my credit file.

Not all good new though in November this same debt appears on my credit file once again with a name not of HSBC but FV-1 who I have had no agreement ever. In November sent the notice to desist processing data. No reply. Today have sent Data Subject Notice. Anyone any ideas if it is legal for FV-1 to even enter this on my credit file.

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Thanks for the explaination I am going to keep notes so I do not forget. I sent the first notice to stop them processing my information which they have completely ignored so I am now sending the second notice which SurlyBonds posted and I have also threatened court action if the default is not removed. I am keeping my fingers crossed.

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two defaults removed after sending surlybonds letter

 

1st credit DCA was originally barclay card

style financial services aka ted baker card

 

 

Hi did you send surlybonds letter to the DCA or barclaycard I'm really getting confused as to where to send the letter, or should it be sent to the DCA if its their name on the credit file.

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  • 1 month later...

Hello,

Sorry of this is not the right thread for this question - please refer me elsewhere if not -

 

I heard that if an account is in dispute then you can instruct the data controller of a card company/bank not to process any data relating to you on the grounds that the account is in dispute and therefore no facts proven one way or the other.

 

There's a clause in the act I believe to the effect that data may not be procesed if it is liable to cause distress or damage - well, if the alleged facts turn out not to be true, or if the agreement turns out not to be valid, then passing on any data woud certainly cause distress and damage.

 

Any experience/ knowledge of this sort of issue please ?

 

Thank you

 

Valhalla

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Hello,

Sorry of this is not the right thread for this question - please refer me elsewhere if not -

 

I heard that if an account is in dispute then you can instruct the data controller of a card company/bank not to process any data relating to you on the grounds that the account is in dispute and therefore no facts proven one way or the other.

 

There's a clause in the act I believe to the effect that data may not be procesed if it is liable to cause distress or damage - well, if the alleged facts turn out not to be true, or if the agreement turns out not to be valid, then passing on any data woud certainly cause distress and damage.

 

Any experience/ knowledge of this sort of issue please ?

 

Thank you

 

Valhalla

 

 

This thread is for people to list the details of defaults they have had removed.

 

You obviously know this is not the correct place for your question yet posted anyway?

Post it in the main "Data Protection and Default Issues forum" please :roll:

  • Haha 1

Completed:

RBOS Charges - £2435 settled in full :)

RBOS Default Removal - Removed :)

Carphone Warehouse Default Removal - Removed :)

Welcome Finance Default Removal - Removed :)

Viking Direct CCJ - Removed :)

Littlewoods Default - Removed :-o

 

Ongoing:

N Hunter SAR

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