Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
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Thread: Unwanted item

  1. 18th May 2009 16:39 #1
    nickismee80 nickismee80 is offline
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    Default Unwanted item

    Hey ya..

    Just a quicky..

    I have a wii which i don't want anymore, i have no problems paying the weekly amount i just don't want it anymore..

    I have the insurance but not the osc.. could i just take the wii to the store, plonk it on the desk and walk out?? I know as i do not have the osc they will not allow me to return the wii..

    Many thanks in advance

    Nicki x

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  2. 18th May 2009 16:50 #2
    WelshMam2009 WelshMam2009 is offline
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    Default Re: Unwanted item

    Don't know what an OSC is, but I presume that you signed some form of credit agreement for this so should be able to obtain copies of relevant documentation via a routine CCA request??

    Apologies if this is totally irrelevant!!

    If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing!

    Restons MBNA -v- WelshMam

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  3. 18th May 2009 17:10 #3
    nickismee80 nickismee80 is offline
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    Default Re: Unwanted item

    osc.. optional service cover.

    I have the copy of the agreement i have signed, im just asking if i can return the item without having osc.

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  4. 18th May 2009 17:18 #4
    BankFodder BankFodder is online now
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    Default Re: Unwanted item

    I can only suggest that you find out what the settlement figure is on the finance agreement and then pay it off.

    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
    Please include a link to the post you want me to look at. If you have received a defence, contact me.
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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  5. 18th May 2009 17:19 #5
    nickismee80 nickismee80 is offline
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    Default Re: Unwanted item

    I don't have the cash to pay a lump sum, but thanks for the suggestion.

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  6. 18th May 2009 21:22 #6
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    Default Re: Unwanted item

    do what you suggested at the beginning just leave it with them this happens all the time .guarantee you won't hear a thing after that That they have their goods back is enough for them. regards PADRE

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  7. 19th May 2009 03:33 #7
    clemma clemma is offline
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    Default Re: Unwanted item

    Just take it back if you don't want it. Put it on the counter, leave your details and walk away. You will hear nothing else from them.

    They will re-furbish the wii and sell it on to the next unsuspecting customer.

    I am not an expert, but I can give good advice about Brighthouse

    Am learning more and more about DCA's too

    I have no legal experience and all advice given is based on the knowledge I've gained from this site.

    <------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE