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    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
    • Hi. Please don't follow McD's advice to contact Met to appeal. They won't listen and you could end up giving them helpful information. HB
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PC World Carrickmines- New Camera but used/damaged **WON VIA CEO EMAIL**


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Hello there,

 

Yesterday I made a reservation for collection of a camera in store.

When I arrived at the store, lady at reception went to get the camera for me.

I paid for it and left the store.

 

When I got home, I realized that the box was already teared up,

which I have photos of,

and which is even more weird,

the camera was damaged.

 

This is obviously a product that has been used either as showcase in store or returned by a customer.

I can’t believe that they're selling used and damaged products as brand new, and trying to get away with it.

 

I sent them an email with my complaint and received a call today.

Lady on the phone was extremely rude,

and she told me that the product was probably returned by other customer,

and she said it like it's the most normal thing in the world to put that product back on the shelf and sell it as brand new.

 

I asked them to send me a brand new camera instead,

so I don't have to drive again for 2 hours and ask for a refund or new camera,

which they refused,

saying that they can't do that because they're a big store and they have rules :!:

 

After a minute of talking,

she yelled at me in an extremely rude way "Goodbye" in the middle of conversation and hang up the phone.

They're not responding to my emails and are ignoring the matter.

Camera value is 79.99e.

 

I'm wondering what you guys think is the best way to approach this,

it's not just about the camera,

or driving back again

- it's about them getting away with doing things like that just because they're a giant chain store,

and acting that way,

like I did something wrong.

 

Worst customer experience I've ever had, by far - both in store and via the phone.

 

I'm just wondering what rights do I have because I would like to file a complaint or even go to the papers with the story,

 

I'll do whatever I can.

 

Thanks in advance

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name and shame

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Well you've been invited to name them and you still haven't done so. I think that would be a good starting place.

 

After that, read our customer services guide and implement the advice there and then have further telephone calls. The conversation that you had was extremely useful but I expect that you don't have any evidence of it.

 

Tell us a bit more about the damage that you found on the camera. In any event, if it is damaged then under the Consumer Rights Act you are entitled to reject the camera within 30 days of having bought it on the basis that it is defective and you are entitled to insist on a refund.

 

Tell us who you are dealing with. Tell us about the damage. Write them a letter formally rejecting the camera under the Consumer Rights Act on the basis that it is defective.

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Thanks @BankFodder, appreciate the info.

 

Sorry about not naming them, I guess I thought that since this is a sub-forum called PcWorld, it would be obvious. Store is in Carrickmines, PcWorld.

I am aware that I can get a refund, I know I'm getting one. But just getting a refund is not what I'm after. That means they're getting away with it.

 

And not even to mention how rude that lady on the phone was.

 

About the damage, camera has deep scratches on its plastic on four different places, plus other minor signs of usage. It looks like it was used for at least one year.

 

I'll read the guide, thanks again.

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oh god no I thought you'd simply posted in the most likely forum.

 

doesn't surprise me.

 

email this story to the CEO .

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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About the damage, camera has deep scratches on its plastic on four different places, plus other minor signs of usage. It looks like it was used for at least one year.

 

Many digital cameras keep a count of how many times pictures were snapped. Have a read of the manual or have a search of the internet for which menu option you need to select.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

No... you can't eat my brain just yet. I need it a little while longer.

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Unfortunately you will have to return it to the store at some point

 

I would be making it clear in your letter to the CEO that this item is clearly second hand and therefore you are entitled to recalim your reasonable expenses to return the item such as petrol money, bus fare/train fare.

 

If you calculate what the cost of public transport would be then they are more likely to agree even if you do drive there.

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Just an update on this,

after listening to your advice I sent an email to CEO.

 

Next morning I received four emails with genuine apologies and promise that they will greatly improve customer service provided in Carrickmines, which to be honest, was my intention.

 

Not the camera, or the value.

 

They are also delivering a replacement camera to my address.

 

Thanks for the advice guys, and I'm happy to see that tables have turned. :)

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