orfoster
-
Posts
1,772 -
Joined
-
Last visited
-
Days Won
1
Content Type
Profiles
Forums
Post article
CAGMag
Blogs
Keywords
Everything posted by orfoster
-
If there isn't a moral case I'd turn up outside their shop with a clipboard and a survey asking their customers walking in if they believe what has happened is fair and reasonable under the circumstances. I'd think they'd soon resolve the issue, as long as you are on public property. (ignore me its just my frustrated idea).
-
Contact details for T-Mobile (EE) CEO olaf.swantee@ee.co.uk. You will eventually get a reply from their Executive Office.
-
Morning, great, thanks. Yes, the loss being claimed is the fact we made a decision to fix the mortgage rate at that time based on what the advisor told us, that was a higher rate. Had we been told the truth we would have stayed on a standard rate so to be able to change if we found a better provider. We fixed for 5 years thinking we had the security if that makes sense so the interest adds up, that's essentially the claim I'd bring. I can get my ex taken off soon anyway because of the length of time passed.
-
Ok, I have now had enough of the Halifax on this. Summary of claim; Joint mortgage - only I want to sue though Incorrect advice given by email in July 2008 by mortgage advisor. Question is can I bring a claim myself although its a joint mortgage? Also would this be under professional negligence or breach of contract? The words professional negligence are a bit scary and the pre-action conduct looks a lot more intensive and ideally I want this to stay in the small claims court.
-
Hi, Just a note to say I am going to meet with the FCA at their Head Office next week following an e-mail exchange with someone senior in the FCA about this entire thread and the FCA's investigation. What I will say is there are some public research documents that support PDLs mislead customers about impact on Credit Rating. I will let people know how I get on.
-
I'm off to meet the FCA about their enforcement activity around misleading adverts of Pay Day Lenders next week.
-
So far I've compiled documents from the OFT which talk about misleading advertising.
-
This is a very interesting question. I do have the option to refer it to the ICO but they'll say its factually correct, I'm not sure they'll give a monkey's about the misleading assertion of improving chances of credit. What I really want is to take a claim against them!
-
Yeah they came back and said its a legal CCA matter so didn't think it was relevant for them.
-
The thing is I'm so reluctant to do that, I have no faith whatsoever in the FOS. If I do that and the FOS rule against me again I'm stumped for court action...
-
Also see the latest release about the issue here http://www.fca.org.uk/news/consumer-credit-firms-must-raise-advertising-standards This specifically talks about the issue!! I wonder what action the FCA is taking? I had a no go from the FOS, I guess I can't take my complaint back to them based on new info around misleading advertising. I've reported the ad's to the FCA but they won't let me know the outcome....interestingly all PDL's seem to have taken down the ad's around the offer of helping improve your credit ratings!! What legal redress do we have for this? That's the million $ question!
-
Hi, Just to let you know (I forgot), I had an outcome email from the ASA on this which said... Is this right? Where in the CCA?
-
Morning, So I emailed the FOS this morning in order to get a copy of my file they hold as I'd like to see what they did with a complaint I had, here's the reply I got just now. Should you wish to make a subject access request, please contact us with the following: Is it just me or are they saying I can have a copy but I can't??! I might just pay the £10 for the laugh of seeing what I get.....maybe I should go back to bed!
-
My Dad has been sent my loan history via Experian
orfoster replied to orfoster's topic in Data Protection and Default Issues
What I've done is complain to Experian asking for information as to what happened. Once I'm forearmed we will challenge it fully. Thanks -
Credit File SETTLED Accounts Removal
orfoster replied to AppleX0's topic in Wonga and associated companies
I've served a s10 notice on Wonga and am in correspondence with their legal dept via their CEO who I emailed about this. Do not go to FOS as they are an absolute waste of time and don't uphold the complaints on the issue. See the FOS outcome register to see how they treat these sorts of complaints. The new CONC FCA rules will give reason to take action or in my view the DPA. I've now had 5 PDL's (not for me unfortunately) remove credit footprint in full they include; Mr Lender, Pounds to Pocket, Quickquid and Vivus. Cheers -
Good evening everyone, Just had a catch up with my Dad who I haven't seen for two years. Which was nice.... Towards the end of the evening, he pulls an e-mail out of his pocket from a loan broker, he says that he's been declined a loan because of me. I looked at him a bit puzzled. On the e-mail shows a number of pay day loans I had in 2012 in my name which he obtained from Experian!!! I was so embarrassed. Surely its a DPA breach if a) he's been linked to me and b) he's been provided with my loan history too!! So I've logged into Experian, there is no record of any search on my credit file in March or April this year at all....so how did that happen? He's not linked to me at all on there. Although his first name is the same as my middle name and part of my last name is his surname. Does anyone have any views on this?
-
My advice....don't go to the FOS, they're a waste of space. Simply referred to the terms and conditions and weren't interested in the way in which it was advertised at all. Not sure of a way forward if I'm honest but I'm willing to challenge them!
-
Lloyds claim - **WON _ Amazing win based on UTCCR's**
orfoster replied to orfoster's topic in Lloyds Bank
No idea now really. Bit stumped to find BCOBS doesn't apply which was gonna be part of my argument. Hearing is on Friday -
Lloyds claim - **WON _ Amazing win based on UTCCR's**
orfoster replied to orfoster's topic in Lloyds Bank
I did put in an offer ages ago lets hope they do offer at last minute because I've just researched and I don't think BCOBs applies to bank charges. It looks like it kinda only has limited scope..... ''BCOBS does not contain rules on the level of prices. However, it does require firms to provide information to consumers on interest rates and charges.'' http://www.fsa.gov.uk/Pages/Doing/Re..._a/index.shtml ''BCOBS will not cover all retail banking products and, for example, overdrafts and credit cards will fall outside the scope of BCOBS and continue to be regulated by the OFT.'' http://fwarchive.ifslearning.ac.uk/f...Lunn/16987.cfm -
What about Misrepresentation Act 1967 http://www.legislation.gov.uk/ukpga/1967/7 Or Unfair Contract Terms Act 1977 http://www.legislation.gov.uk/ukpga/1977/50 Sales of Goods and Services Act?
-
Hello, I don't have a PDL now, haven't had one for 12 months or so. My concern is the impact these loans have on ones credit file when it comes to getting a mortgage. In that they make assertions on their website that their loans can improve credit ratings. A statement which isn't true and misleads people about the accurate impact of their products. What I want to do is bring action against them for advertising in a misleading way.....what I'm trying to work out is, what legislation do I have available to me for an organisation making a misleading statement that led to a transaction/contract??? Anyone.......
-
Hello Silly Girl. How do I do that? Could you point me to a thread? Do you mean it would be easier to challenge under that argument as a strategy and deal with the issue of CRA reporting as part of a possible settlement negotiation?
-
Lloyds claim - **WON _ Amazing win based on UTCCR's**
orfoster replied to orfoster's topic in Lloyds Bank
Thank you -
Lloyds claim - **WON _ Amazing win based on UTCCR's**
orfoster replied to orfoster's topic in Lloyds Bank
Oh yes please. Sorry I didn't get down that far. -
Lloyds claim - **WON _ Amazing win based on UTCCR's**
orfoster replied to orfoster's topic in Lloyds Bank
Hello fellow CAG'ers I have an upcoming hearing on 24th Feb for credit card charges claim against Lloyds. Full bundles exchanged etc and I'm prepared to go to court but I just wondered does anyone know if Lloyds usually settle before hearing or more recently are they the sort to not turn up/defend? Cheers O
Latest
Our Picks
Reclaim the right Ltd
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS