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    • The courtesy car is a seat Leon. 21 plate. Not sure of value but way more than the car I bought.            
    • When I suggest that you don't give them the courtesy car at the moment. What is it and what is it worth? If they start talking about insurance and say that it won't be insured then I suggest that you take it off the road but hang onto it. It can be a useful piece of leverage although we will have to be very upfront about what you are doing.
    • Hi.  Yes I read the post about email. I think the message repeated.    They wanted the courtesy car back for another customer.    Thank you.           
    • I've answered your question about whether an email is appropriate in my earlier post. Have you not read it? Why did they threaten to take the courtesy car back? Scotty small claims procedure is slightly different and I think that the limits are less. I'm going to ask for some input from my site team colleague @Andyorch because frankly I'm always getting confused about Scottish procedure. Meanwhile, send the letter that I suggested above. That applies equally throughout the United Kingdom
    • I'm shocked at what I'm reading here. It's not the behaviour of Virgin which surprises me – that is completely expected and in fact I would be shocked if it was anything different. I'm shocked at the way that you are handling this and particularly that you have gone along with some verbal promise to remove the default if you made a payment. You should understand that these people never remove defaults unless they are forced to – by legal action. It's also clear that you haven't read the subject access request link because you will see that they are entitled to verify various aspects of your identity and you have told us that you were registered with them under an old address and that they don't have your new address that you have simply been redirecting mail. And yet you want a subject access request – presumably sent to your new address – because you have informed them that you don't live at the old address any more. I'm also a bit shocked at the fact that you came here on September 30 – two months ago – and within a short time, you received a number of replies and advice and then you disappeared until now, telling us that you have received promises from virgin which were kept, that you haven't had your statutory disclosure because you refuse to confirm your address – blah blah blah. Apparently got a mortgage application coming up and you are worried about the effect of a default on your credit file on that mortgage application. You are right to be worried – and although it may not affect it very much, it certainly a possibility. It is not at all clear whether your most recent conversation with virgin in which they promised to remove the default was recorded. Maybe you can tell us. Why won't you give them your new address? Don't you realise that apart from anything else if you don't give people who are creditors – or who claim to be creditors – your new address each time you move, that you risk getting a backdoor CCJ at some previous address – and that really would smash up your chances of getting a mortgage. If you want to deal with this then I suggest that you start off by beginning a new thread because already this thread is becoming derailed by disagreements as to what evidence you need when you send offer document, and also by the lapse of time which you have allowed even though this is apparently an important matter. You've been here since 2010 – but you haven't understood that there is a huge amount of goodwill here to help you and it's all free. We don't get paid. But when people dawdle about it and disappear for long periods then quite frankly there is a great deal of motivation which is lost. Please start a new thread. Set out the problem in a fairly factual way without too much and narrative. Tell us if you have sent documents and what evidence you have. Tell us if you have recorded calls – and importantly tell us if you haven't even though you might be embarrassed about that. We can help you – but you are going to have to invest yourself. Otherwise it's rather one-sided.   We can do this together and we will help you all the way and if you are right that they have made an error in their accounting and your credit file then there will be some compensation available as well.
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Mr Fri Night -v- Lloyds ***WON***


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Hiya All,


Recieved judgment for claimant (in default) dated 13 July although I didn't recieve letter from court until 18th July.


Rang SC & M yesterday (19th July) and they said they hadn't recieved letter from courts could i send them copy. Faxed that through yesterday, checked bank this morning - nothing. Checked again this afternoon and hey presto all £1,686.17 sat there waiting for me!


Florida here I come!!!!!!!!!!!!!!!


Thanks to all those who have offered advice on here, I will donate at some point this weekend (running late now so gotta fly).


Do I need to do anything else on this site to update figures ect.......?


Thanks once again!

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Well Done

If you think this post has been of help, please click on my SCALES on the left - thanks :-) :-x


Peter Anderson

Me Vs Morgan Stanley - WON £490

Me V's LTSB - Private & Bus Acc - £18.8k (since Oct1997)

inc: S.69 Interest (and growing daily) -;)

Please remember to DONATE when you have WON

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