Jump to content


  • Tweets

  • Posts

    • Thank you JK2054 and BankFodder for your replies. The information requested is as follows:   My wife and I are sole traders supplying bespoke, handmade wedding trays and other items through our website. We do not sell on ebay. We had an order for two trays (invoice value £370) that were shipped on Monday 25th March. We used P2G as the broker and Evri as the shipper. We declared the value but did not take out insurance. As the trays were a present for a wedding on Saturday 30th March we checked the progress of delivery on the Thursday to see that there had been an attempt to deliver on the 27th but the driver failed to deliver as the customer’s gate was shut (customer informs us that the gates are open between 7am-7pm. We contacted the customer who informed us she had been waiting in all week and there had been no attempt of a delivery. Evri allege they attempted to deliver on the 28th & 29th. On the P2G web site on the 4th April at 14.17 it stated that the customer refused delivery. At 14.28 it updated to say there was a problem with the address and at 14.32 updated to say the customer had refused delivery. At 14.35 updated again to say it was being returned. Last entry was on the 7th April that it was being processed at the depot. We never received it. I have had six web chats with P2G between the 4th-30th April. On the 26th April, I had an offer of £20 plus cost of delivery (£6.72) from P2G which I rejected. During this time, I also contacted Evri that resulted in an email from Evri Customer Services (20th April) stating that they had lost the parcel. I replied requesting details of the attempted delivery but received no reply. After emailing Evri again on the 23rd asking again for the information I received a phone call from someone called Haleemah on the 25th who apologised and promised to send an email with a link to submit a claim form. I subsequently received an email with the link which only took me to a page that stated “Page not found”. After informing Evri customer services of the problem (to which no reply was forthcoming) a couple of days later I retried the link but it only took me to the Evri website. I believe that I have a good case against both companies but would appreciate guidance on which path to go down. I have read most of the information on this site, which has been very helpful and much appreciated, particularly the various court transcripts. I appreciate that this process is a marathon and not a sprint and am fully aware that I need to get everything in the correct order before starting on the legal road. I am sure this covers the current position but if further info is needed please let me know.  
    • Everything at small claims revolves around informality and common sense, there are no "special" ways to have to do things. The site manager's WS will be like yours and the one I linked to - just much shorter.  There need to be the introductory hearings about the case, the parties, etc., and the concluding Statement of Truth. In the middle just a couple of paragraphs where they say who they are, how they know you, and about permission being given by the landowner to use the car park. Superb.  I've added another section about the signage to the suggested WS sections three posts above. Yes, it's perfectly possible.  It'd be a good idea to phone the court on the 18th to see if they have paid.
    • OK thank you very much. I will prepare my WS as you advise.  I will indeed be preparing the WS over the weekend. I will also post UKPC's on Wednesday by 2nd class mail. As they have until the 17th to pay the court fee, is it possible they might discontinue at that stage too? Also I wanted to ask, in what form should the site manager's statement come? And the site owner if i can contact them? I will get photos of the signage to share with you also. Thank you.
    • Theres speculation on whether the magazine was Womens Weekly or Boys own 😀   ... probably a classic first edition of boys own - based on it costing $130k :lol  
    • You have five days yet to respect the WS deadline which is next Wednesday.  As others have said,  you can e-mail the court their copy.  That gives you the whole weekend to get the WS prepared.  Personally I'd post UKPC's theirs by 2nd class post (all they are worth) on Wednesday too, the court won't look badly on a short delay from a Litigant-in-Person. Another point.  In your WS you say their signs are rubbish.  That's a great point if their signs really are rubbish.  It's a dreadful point if their signs are fine.  So have you got photos of their signs?
  • Recommended Topics

  • Our picks

    • 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
        • Like
  • Recommended Topics

"warning" Requesting Credit Ref Gave Me Nothing But Trouble !!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6066 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

Ok ! Here goes, i signed up with experian for their 1 month free trial. Thought i would get my free trials worth and checked it regularly. Anyway, since signing up i have got an out of the blue letter from Capquest re- a old debt with capital 1. Having checked my credit reference again this am, i am astonished to find a default from capquest for the sum of just over £500. This was'nt there a week ago ! They say on the report that the default occured in 2005 (not sure if this is right). Are these CRA's working hand in hand with the DCA's or what ? Additionally, i have been bombarded with e-mails and letters offering me quick loans. Needless to say i'm absolutley fuming over this :evil: (the fact that the CRA's appear to be responsible ). I shall be putting forward a CCA requst to capquest but i also want to add the fact they need to remove this default. Does anyone know if i can do this ? Does anyone have a suitable template which includes both requests ? Has anyone else had this problem. Sorry for all the questions but just when i seem to be getting in control of my financial worries !

Most of this debt is proberbly down to unlawful charges anyway so i will def be pursuing that one ! Lets hope they've just dropped themselves in it !!

Link to post
Share on other sites

  • Replies 68
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi DD,

 

What is the nature of the debt and how old is it?

Hi there. I did'nt know what it was for at first but it says on the letter capquest frmly capital one which is a credit card debt. I had'nt heard from them for absolute ages so dont know if what says on credit reference is true that default occured in 2005 although has only been put on in the last week since signing with experian. I'm not disputing i had a credit card with cap 1 just ded annoyed now and gutted. I'm gunna take them to the cleaners for the charges as i'm sure it will clear the debt. Anway thanks for replying and any further help will be gratefully received. x

Link to post
Share on other sites

Yes, they do work hand-in-hand. One of them owns Westcott DCA for a start. :mad:

Unbeleivable ! and then to have the cheek to pass my details onto loan companies !!!! This one's from capquest though not Westcott but hey ! who knows who they deal with !

All comments very much gratefully received. x

Link to post
Share on other sites

DD,

 

This link is so you can CCA the DCA, use letter N, enclose £1.00 postal order and don't put your signature on the letter. They have 12 working days to respond at which point the debt is in dispute. After another 30 days they are comitting a criminal offence if they continue to pursue the debt whilst it is in dispute assuming they have not replied.

Creditors and DCAs - Letter Templates & Budget Planner

 

The next link shows how to S.A.R - (Subject Access Request) the original creditor, enclosing a £10.00 postal order, don't use your signature on the letter. They have 40 days within to reply. This will show what was owing when transferred to the DCA to have any unlawful charges removed.

 

http://http://www.consumeractiongrou...ction-act.html

 

Send them off via recorded delivery, USE POSTAL ORDERS NOT CHEQUES..don't want them having any more financial details on you.

 

Hope this helps.

Link to post
Share on other sites

DD,

 

This link is so you can CCA the DCA, use letter N, enclose £1.00 postal order and don't put your signature on the letter. They have 12 working days to respond at which point the debt is in dispute. After another 30 days they are comitting a criminal offence if they continue to pursue the debt whilst it is in dispute assuming they have not replied.

Creditors and DCAs - Letter Templates & Budget Planner

 

The next link shows how to S.A.R - (Subject Access Request) the original creditor, enclosing a £10.00 postal order, don't use your signature on the letter. They have 40 days within to reply. This will show what was owing when transferred to the DCA to have any unlawful charges removed.

 

http://http://www.consumeractiongrou...ction-act.html

 

Send them off via recorded delivery, USE POSTAL ORDERS NOT CHEQUES..don't want them having any more financial details on you.

 

Hope this helps.

Thankyou so much for that ! i'll get on it today. Do i need to send the SAR at the same time as the CCA ?. Many thanks. x

Link to post
Share on other sites

DD,

 

I would. The CCA goes to Crapquest and the S.A.R - (Subject Access Request) to Crapitol One.

 

Crapquest are obliged to send you a statement of account (will show charges added since they took it over), compare it to the statement as part of the SAR from Crapitol One and you will probably find a discrepancy. Could be unlawful charges that you can have removed.

 

Think my 'r' key keeps kicking in whenever I type in a creditor or dca....very strange.

Link to post
Share on other sites

DD,

 

I would. The CCA goes to Crapquest and the S.A.R - (Subject Access Request) to Crapitol One.

 

Crapquest are obliged to send you a statement of account (will show charges added since they took it over), compare it to the statement as part of the S.A.R - (Subject Access Request) from Crapitol One and you will probably find a discrepancy. Could be unlawful charges that you can have removed.

 

Think my 'r' key keeps kicking in whenever I type in a creditor or dca....very strange.

Yep, i think the 'r' is so much more fitting and suited ! Thanks again for the info. Feel better now i've sounded off a little. x

Link to post
Share on other sites

Hi sorry to hear of your troubles i was going to request a copy of my credit record but not sure wether to bother now,ive been trying hard to fix my money problems and im just about done,however would it just be opening a can of worms ? :-?

Link to post
Share on other sites

bugger, I set up credit thing last week, I shall wait with amusement to see if any threat letters show up and post here accordingly

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

Link to post
Share on other sites

Hi sorry to hear of your troubles i was going to request a copy of my credit record but not sure wether to bother now,ive been trying hard to fix my money problems and im just about done,however would it just be opening a can of worms ? :-?

Hi there. Yep i would def think carefully about doing it now. Especially if you may have something which might just pop up. I suppose some would say its just a coincidence, but i dont think so ! I never receive letters or e-mails like that and all of a sudden hundreds of them and thats no joke, as soon as signing up to experian. I intend to ring experian on Tuesday to see what they have to say. If you still want to go ahead i def would'nt go with the free monthly trial, i would contact the other one equifax and do it by snail mail ( the £2 way ) and not online as this gives them access to your e-mail and anyway they dont offer a free trial so less likely to mess with you ( i suppose anyway ). All opinions still gratefully received as knowledge not very good ( learning fast though ! ) xxx

Link to post
Share on other sites

i have been bombarded with e-mails and letters offering me quick loans

 

I got a CCJ last year and I get a loan letter every other day

 

bugger, I set up credit thing last week

 

Same here just, will have to wait and see

Link to post
Share on other sites

bugger, I set up credit thing last week, I shall wait with amusement to see if any threat letters show up and post here accordingly

Hi there mrmarmite, keep us posted. will be interesting to see if you get the same. Was it with experian you signed up for as i think these are the culprits as they are offering free trial. Anyone know any different though please comment. Many thanks. xxx

Link to post
Share on other sites

Does anybody think an S.A.R - (Subject Access Request) to all 3 Credit Reference Agencies would show more than they put on the normal report?

Also - can you do the same with the Land Registry?

I know you can get (Land Registry) house info. - we've just done it - but what about the details of other people accessing your information?

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Link to post
Share on other sites

yes dobbydog creditexpert.co.uk. me ok with email coz i gave em me hotmail addy, letters from dca's should i get any, easy to sort aswell, good old CCA

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

Link to post
Share on other sites

Does anybody think an S.A.R - (Subject Access Request) to all 3 Credit Reference Agencies would show more than they put on the normal report?

Also - can you do the same with the Land Registry?

I know you can get (Land Registry) house info. - we've just done it - but what about the details of other people accessing your information?

Can we actually SAR the CRA'S and what info would this give us ? sorry if sound a bit thick. x

Link to post
Share on other sites

In theory information from a SAR request should show the names of companies who have accessed the register of the individual concerned.

 

By applying for the credit check, the individual is giving permission for their details to be gathered and more importantly (but not made clear by the CRA) used to update the register which is accessed by DCA's.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...