Jump to content

pawnbrokers

Registered Users

Change your profile picture
  • Posts

    130
  • Joined

  • Last visited

Reputation

1 Neutral

1 Follower

  1. Thanks for that, will give it a go. Nothing ventured etc.
  2. In June I bought on contract a new mobile phone as my previous one was getting slower. I had an LG device which the 02 shop suggested. I had problems with it immediately, but as I was away for the immediate period after purchase I could not get back within the cooling off period. Needless to say the shop would not consider changing the unit. I have since then been back to the shop 7 times with the same recurring fault, and still the shop wouldn't do a thing other than pass me off to the customer relations dept only reachable by phone. Lost the personal contact. I spent the next day entirely call this dept, which incidentally is in South Africa!!! They made various promises which they failed to keep, but being trained in "PPI" I was well versed in getting negatives. Determined I continued until I got someone who in turn had to call the Uk repairs section to get approval for what I wanted. That's a long way round the world and back. finally spoke to gentleman who finally agreed that phone needed replacing. Only then to be told that I had to send it back to them direct for cancellations. Asked why I couldn't just return it to the shop I had bought it from, to be told that if shop returned phone they would not be able to cancel the contract??? Weird, but as these walls are there to make us dance. Got the return envelope and posted phone back to 02 got proof of posting just waiting for confirmation that contract cancelled. What's my legal position, I feel I have been supplied with a product not fit for purpose and as such the contract should have been cancelled from the beginning. I have paid an amount on this contract for phone and line rental, both delegated to individual items. Can I demand my money back, do I have just cause to ask for costs your advice would be appreciated, I'm sure I cannot be alone in this case. Ps, I cancelled both direct debits which are due 21 Nov. Now I must get another phone, suggestions please, only other thing my phone must do is have the best possible camera for smallest amount, us pensioners are surviving on ever reducing purchasing power. Thanks
  3. Bank agreed two quite large amounts of repayable PPI sent me settlement letters and told me they were keeping it and transferring cash to their collection dept to go against these old debt, That's a damn chocker, but even though statute. Barred they still maintain they hold an old debt and have a right to offset these sums. Any thoughts on there that I may have a chance of getting something
  4. Does any one have the ceo address and details, believe it is a Mr chan?
  5. That's what I needed, thank you will now be more aggressive in my next missive. Cheer's my dears
  6. Partnership issues raised because I have argued for years that it was not a partnership but Ltd comp. Bank have always maintained it was a partnership. Im sick because if I had known they considered the accounts partnerships then I would have claimed the charges back on the accounts. The bánk charges were very very high. But that's another story. Suffice to say I'll write to the bánk and refuse permission for anything due to me to be paid elsewhere. I'll see what they say. But still no one says what happens to these old accounts. They are supposed to be taken off credit reference files, but what do the banks do, I'm sure they get written off as a bad debt, but no one here seems to say so! Thanks for help anyway
  7. This, that's another fear to bed, but legally when if ever will the debt be written off or is the bánk going to keep it in its computer store forever and therefor always be àble to clàim payments meànt for me??
  8. Thanks, you confirmed my thinking and I have disgarded the item concerned. Second question I may not hàve made clear. Have old bank debt, I always thought unclaimable because of limited status. This old debt won't go away, but now over the six years, again no payments from me, but now quite a sum of PPI has appeared and they want my permission to pay off this old account. It's over the 6 years. They are maintaining it was a partnership, I have a copy letter disproving this ,but imnot clear on what happens to an out of date debt, its not enforceable, but does it still exist??and how?? And when does it stop existing and become. Write off therefore no debt?? Would be glad of enlightenment thanks so
  9. Have had a pile of old debts , being very old and very cynical, at pension age I made the çoncious decision to stop paying any and all of them. I challenged every debter to take me to court, they didn't , preferring to sell on debts to collectors None of these took me to court,so here I am over six years later which should mean no more chasing from collectors, however one chasing debt company has insisted I made a payment against one of the debts three years ago. I challenged that knowing I had not. They then advised that the payment had come from the debt owner.for repayment of charges or something and made to the debt collector intstead of to me?? How can this be taken as a payment from me?? Now I have another item which needs to be repaid , but the debt owner wants to pay it against a debt which is past collectible date . What is the legal position. This is a business debt and debtor , I never tried for charges reclaiming and there were loads, because it was a business. Now they say it wasn't. Ten years later. Dahhhh. Any helpful information on the situation regard to debt over six years and what the legal position of debt and debtor would be appreciated
  10. I have a yearly travel cover, so does my partner. So I hope I'm covered. I did not insure my two children, asked their mother to get that done, and she hasn't, so could be half the holiday costs gone. pb
  11. Yes I'm sure they will. I'll see what transpires won't hold my breath. Pb
  12. Thanks for view, I personally feel I should have a chance because everything I did after the Sousse slaughter, was done under duress. They wouldn't allow the holiday to be rescheduled later, it all had to be done before the 14j day precancellation date or suffer loss. Not a good way to book a holiday. Thanks anyway. PB
  13. Company was an on line operator teletext holidays, all easy when booking and paying for original destination, very different when having to change. They then kept harping on that they were not responsible as they were booking directly in our names to airlines and other people involved in holiday. I finally insisted that they book all changes as they had done that on the original holiday, they did, but were not happy about it. Await your response,thanks PHOTO
  14. I have and am having a nightmare with holiday on line operator and need some help. I booked a holiday on line with teletext holidays to Tunisia. Leaving 19.7.15 Then the slaughter in Sousse on 26th June made me want to cancelled my trip. I was taking my two children 15&17away. They would not be allowed by their mother to go and they were scared The contact to the online agents were a nightmare,finally got through, to be told I couldn't cancel as theFO had not declared the destination unsafe and that the only alternative was to rebook to another destination. And quickly as it had to be done within the 14 days of the departure or forfeit all money paid. This would be done without penalties or charges, It now transpired that the on line agent was advising me that I had to make these rearrangements myself as it was my own personal booking.?????? 14 telephone calls and hours of music by musak, later I was getting desperate, no airlines had flights available, I had been booked with Thomson fly and they couldnt or wouldn't help,I'm suddenly trying to be a travel agent "!!!.b Insisted in talking to a supervisor at teletext holidays, they again said they would help but I had to do everything as they were not travel agents only booking on my behalf. So I refused to accept that argument and insisted they re arrange , which they did but at considerably more cost. Only got confirmation on the 8th July and no baggage had been booked, so I then had to get Thomson fly to add bags and pay for them and seat allocations another 400 quid. That same night at 9.00 pm a note was posted on teletext holidays stating that the Foreign Office had declared Tunisia unsafe for travelling and recommended all brits return. Would I be within my rights to request a complete refund,as all subsequent actions were forced on me by there original refusal to cancel the holiday.
×
×
  • Create New...