Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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)


Results 1 to 20 of 20
  1. #1

    Default Ann summers problem

    i was a party planner and my earnings didnt really cover much

    slowly i slided down to the point where i wasnt making a penny for my time

    i packed up my whole kit (just over 250 worth) and sent it back via their choice of returns.

    They are now trying to claim i still owe 220.00! even though my kit should have covered it.

    with various tennis emails ive decided i will just repay what i supposedly owe and what not.

    i sent them an email yesterday saying i was willing to set up a payment plan of 5 a week, (20 a month)
    and would like any interest or charges frozen so i can repay what i owe without
    digging deeper in debt. i have had this for a reply :

    Collections Team <collections@annsummers.c om> wrote:

    Good afternoon Hazel,

    Thank you for your email.

    Unfortunately we can only set a payment plan up of 3 months, and therefore we are unable to accept the payment of 5 a week.

    If you have any further queries please do not hesitate to contact us.




    can they actually do this? i replied asking how much it would be over 3months this is the reply :


    Good afternoon Hazel,

    That would be 73.98 for 2 months and 73.99 for the last month, we would need you to call us to make the first payment and to set up the payment plan.

    If you have any further queries please do not hesitate to contact us.





    can they only set up a payment plan over 3months? what is the difference to if i want to set it up over 6 months? ive replied to try and haggle it over 6 months any help here?!


  2. #2

    Default Re: Ann summers rip off!!!!!

    Theyre doing their normal crap. Repayments are made by what you can afford. Not what they say.

    It really is as simple as that


  3. #3

    Default Re: Ann summers rip off!!!!!

    Keep it in writing. There is no legal obligation to phone anyone up..


  4. #4

    Default Re: Ann summers rip off!!!!!

    this was my reply :

    I apologize but i wouldnt be able to pay 73 a month back as i would not be able to afford this.

    I would however like to get the debt cleared quickly just like yourselves! Would you perhaps
    be able to spread this over 6 months instead? Making it 36.98 for five months then a final payment
    of 36.99. With being on benefits i feel this is a very generous offer towards sorting this arrangement
    out thanks.




    no reply as of yet, but if they decline this what would i be able to do? leave it until they try and take me to court for it or what??
    i am keeping everything in writing dont want any phone callsicon this way i can keep note of everything!!


    p.s. is there any letter templates with laws on repayment plans at all??


  5. #5

    Default Re: Ann summers rip off!!!!!

    Your offer is reasonable. Wait for the reply..


  6. #6

    Default Re: Ann summers problem

    Quote Originally Posted by hazelann2011 View Post

    i packed up my whole kit (just over 250 worth) and sent it back via their choice of returns.

    They are now trying to claim i still owe 220.00! even though my kit should have covered it.
    Why do they say you owe them 220.00?

    If you haven't already done so, ask them (in writing) for a breakdown of what they think you owe and why they think you owe it.


  7. #7

    Default Re: Ann summers problem

    Agree with the above post. Do NOT pay a single penny until you have a comprehensive breakdown of the alleged amount owed.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


    If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks
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  8. #8

    Default Re: Ann summers problem

    Yes, I would want to know how they have come to this figure of 220.00. Do you have a written contract with them that advises any liabilities in the event you wish to quit ?

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    Uploading documents to CAG ** Instructions **

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    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
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    2: Does your Bank play fair - You can force your Bank to play Fair with you
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    Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
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  9. #9

    Default Re: Ann summers problem

    they have already sent me a break down of why i owe it, i sent my kit in two parcels
    and they apparently didnt recieve the second parcel which means i am liable for it
    even though the parcels were picked up together signed for together!


    recieved a reply to my offer still refusing!

    Good afternoon,

    Thank you for your email.

    Unfortunately we are unable to set up a longer payment plan than 3 months.

    Sorry for any inconvenience this may cause.

    If you have any further queries please do not hesitate to contact us.



    *Please ensure that you reply with all emails attached, and reply to the Communications Team (ccare@annsummers.com) rather than directly to the Operator, this will ensure your query is dealt with as the Operator may not be available to deal with your query*



    frustrating just want to get them off my credit rating!!!!


  10. #10

    Default Re: Ann summers problem

    So they have signed for both parcels, but say they have only received one ? Have you obtained the proof of receipt by them ?

    If you paid for the extra "signed for" and they are saying that one parcel is missing, you should be able to reclaim from the carrier.

    Please consider making a small donation to help keep this site running
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    Uploading documents to CAG ** Instructions **

    Looking for a draft letter? Use the CAG Library
    Dealing with Customer Service Departments? - read the CAG Guide first

    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
    5: Forum rules - These have been updated - Please Read


    BCOBS

    2: Does your Bank play fair - You can force your Bank to play Fair with you
    3: Banking Conduct of Business Regulations - The Hidden Rules
    4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly
    5: Fair Treatment for Credit Card Holders and Borrowers - COBS



    Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
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  11. #11

    Default Re: Ann summers problem

    Do NOT let them bully you into paying more than you can afford. You have made an offer over 6 months which apparently even then is stretching your finances.

    Tell them, that is all you can afford and if they feel unable to accept this then you are quite happy for them to place their case before a Judge, at which point you will confirm you have made this offer and it was refused by them.

    Please consider making a small donation to help keep this site running
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    Uploading documents to CAG ** Instructions **

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    Dealing with Customer Service Departments? - read the CAG Guide first

    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
    5: Forum rules - These have been updated - Please Read


    BCOBS

    2: Does your Bank play fair - You can force your Bank to play Fair with you
    3: Banking Conduct of Business Regulations - The Hidden Rules
    4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly
    5: Fair Treatment for Credit Card Holders and Borrowers - COBS



    Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
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  12. #12

    Default Re: Ann summers problem

    If the parcels were both signed for then you shouldn't be liable. Were you given a receipt by the post office/ courier company ?


  13. #13

    Default Re: Ann summers problem

    No they dont sign the parcels basically you pack the kit into a box and ann summers arrange for a courier to collect
    when they collect your given a barcode to put on the parcel (but it only goes on one parcel out of the two) then they sign a receipt (which i think i have still got somewhere)
    and take the parcels. from the point that it left my door to ann summers the second parcel seemed to have disappeared hence the outstanding balance. ive heard its not the first time
    from places like ann summers and avon. i cant reclaim from the courier as its ann summers that arranged it all with them im literately the middle person that ends up with all the charges.


  14. #14

    Default Re: Ann summers problem

    Quote Originally Posted by hazelann2011 View Post
    No they dont sign the parcels basically you pack the kit into a box and ann summers arrange for a courier to collect
    when they collect your given a barcode to put on the parcel (but it only goes on one parcel out of the two) then they sign a receipt (which i think i have still got somewhere)
    Find the reciept, if it says they collected two parcels then you owe them nothing.


  15. #15

    Default Re: Ann summers problem

    i will look for the reciept now, who do i give the receipt to to prove that i dont owe anything??


  16. #16

    Default

    Quote Originally Posted by hazelann2011 View Post
    i will look for the reciept now, who do i give the receipt to to prove that i dont owe anything??
    Photocopy the receipt and send that to them. Never send them the original..


  17. #17

    Default Re: Ann summers problem

    ok will do when i can get to the libraryicon!


  18. #18

    Default Re: Ann summers problem

    Quote Originally Posted by Consumer dude View Post
    Photocopy the receipt and send that to them. Never send them the original..
    For sure, dont let the original receipt out of your possession. Photocopy it.

    Let us know if you find the receipt, although the carrier should be able to provide a copy of theirs and we can help you draft a letter confirming that you will NOT be paying them anything.



    Please consider making a small donation to help keep this site running
    Click here to donatehttp://www.consumeractiongroup.co.uk...ages/link3.gif through PayPal (opens in a new window)

    Uploading documents to CAG ** Instructions **

    Looking for a draft letter? Use the CAG Library
    Dealing with Customer Service Departments? - read the CAG Guide first

    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
    5: Forum rules - These have been updated - Please Read


    BCOBS

    2: Does your Bank play fair - You can force your Bank to play Fair with you
    3: Banking Conduct of Business Regulations - The Hidden Rules
    4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly
    5: Fair Treatment for Credit Card Holders and Borrowers - COBS



    Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
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  19. #19

    Default Re: Ann summers problem

    Quote Originally Posted by hazelann2011 View Post
    i will look for the reciept now, who do i give the receipt to to prove that i dont owe anything??
    As others have said, keep it and send a photocopy. I would think that the receipt will have a number on it, so emailing them stating you have the receipt showing you gave the courier two parcels should be enough, as they can contact the courier and confirm what is on the receipt.


  20. #20

    Default Re: Ann summers problem

    I would not pay them one single penny. If they [ Summers] arrange for the goods to be picked up by courier , then that is the end of the matter. Even without a receipt , i would not pay this ridiculous so called debt. The burden of proof is with Anne Summers, not you. If you still have a copy of the receipt, ... game over, but even without one , they are on very shaky ground IMO. Good luck & try not to worry


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