Reality Expansion Group / Property Mentor

[CleverClogs]

Re: Could do with some advice, please

So to clarify, the clients are asked to sign a credit agreement to loan how much? This is approved before any credit check has been carried out,and clients are expected to provide their own credit report?

Is this not irresponsible lending? I'm sure there's a myriad of other significant issues here as well.

Such as the creditor's liability under s. 75 (link) of the Consumer Credit Act 1975 or whether the creditor is "canvassing off trade premises"? (see attachment)

[MissFM]

Re: Could do with some advice, please

My view on this remains the same (see post 19) - this is a scam and people who were caught up in it should have (and I believe do have, if they can wade through the mire) legal redress.

In PippaApple's case - I think you, PA, are barking up the wrong tree. It doesn't matter how naive you were in signing the agreement - the fact is that they have not delivered as contracted and therefore you owe them nothing - they have failed to deliver their part of the bargain. Maybe they even owe you for their misrepresentation.

If it were me, I would be coming back to them with a claim for breach of contract etc - they charged you for a service that has not been provided. etc..

Just my opinion....

[PlanB]

Re: Could do with some advice, please

Not to mention all the money you've paid to the "beauty parlour". :behindsofa:

The head mistress at my school told me I didn't have to worry my pretty little head about academic achievement because I would undoubtedly *marry well*. What she failed to tell me was how many times I would have to marry before her prediction came true

[PlanB]

Re: Could do with some advice, please

Such as the creditor's liability under s. 75 (link) of the Consumer Credit Act 1975 or whether the creditor is "canvassing off business premises"? (see attachment)

Wow Cloggy that CCL information is most interesting. Not only do they offer credit but they're also licenced as debt collectors.

What the Lord Giveth the Lord Taketh Away :amen:

[CleverClogs]

Re: Could do with some advice, please

What the Lord Giveth the Lord Taketh Away :amen:

If they turn out to have been canvassing off trade premises, will that also apply to their CCL?

[wales01man]

Re: Could do with some advice, please

They must know people who get credit from them when they find they have been conned don't pay they can pass the debt over to the next desk in the office?

[PlanB]

Re: Could do with some advice, please

My view on this remains the same (see post 19) - this is a scam and people who were caught up in it should have (and I believe do have, if they can wade through the mire) legal redress.

I too smell a rat of the *Inside Track* variety as mentioned in the OP's earlier post

[PlanB]

Re: Could do with some advice, please

In PippaApple's case - I think you, PA, are barking up the wrong tree. It doesn't matter how naive you were in signing the agreement - the fact is that they have not delivered as contracted and therefore you owe them nothing - they have failed to deliver their part of the bargain. Maybe they even owe you for their misrepresentation.

This is the bit where I have to admit that I was once offered a job by *Inside Track* which I turned down for ethical reasons. There is no such thing as a guaranteed "get rich from property" scheme or any other scheme guaranteed to make you money. "If it looks too good to be true then it probably is too good to be true". Think Madoff Ponzi Scheme.

I'd like to spend some time investigating Reality Expansion (and its various trading names). I'd also like to check out whatever happened to the victims of Inside Track which put itself into administration to avoid the class action claim heading its way.

http://www.lovemoney.com/blogs/scams...perty-seminars

[wessley1979]

Re: Could do with some advice, please

I am after some advice please. I am trying to get in contact with RBS in regards to a defaulted account that was satisfied in 2010. I am trying to resolve the issue and pay them off so that they remove the default from my credit file. I got put through to a call centre in Bangladesh or somewhere and they can't help me. Can anyone give me any hints please as to how to contact the recoveries team in Birmingham?

Thanks

[FlamingParrot]

Re: Could do with some advice, please

I am after some advice please. I am trying to get in contact with RBS in regards to a defaulted account that was satisfied in 2010. I am trying to resolve the issue and pay them off so that they remove the default from my credit file. I got put through to a call centre in Bangladesh or somewhere and they can't help me. Can anyone give me any hints please as to how to contact the recoveries team in Birmingham?

Thanks

The above statement seems to be a bit contradictory. If the account was satisfied (i.e. paid off) in 2010, why would you want to pay them off again? :noidea:

If you mean the account was defaulted in 2010 and you haven't made any payments since, it would be just a couple of years away from statute barred, and making any repayment offers at this stage would only reset the clock. :clock: I also have an RBS card I've not paid since 2010 and I've not heard a peep from anyone since Jan 2012. :bounce:

With regards to the default, if it is from 2010, it should be dropping off your file in a couple of years. Paying off the outstanding amount (if any) wouldn't get the default removed, it would still be there but marked as satisfied. It's also worth bearing in mind not all credit searches go back the full six years, some may just search the past three years, unless you're looking for a mortgage, in which case they would be looking at the full six years.

From your post above I'm not sure what the position is, but I hope the above answers your question either way. :thumb: