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  1. Hi ericsbrother, thanks for replying. Can I do a chargeback then on the credit card I paid with?
  2. Hi, it's a long time since I was last on the forum, so firstly, hello to everyone, and secondly, I wonder if anyone can help with a query I have. We purchased some software online, FL Studio, from a well known online retailer. The software was practically impossible to install (it was for my daughter) and wouldn't download from the website either. In the end, my husband who works in IT had to locate missing files etc, from an external source, it took over two hours just to get it to install, since then it has been prone to problems with glitches in
  3. Thanks dx, that's what I have told them, but they say if I return it to them, they will post it back to me and charge me for the postage!
  4. Hi dx, well, it was purchased through my Isme catalogue, so went onto the outstanding balance, but I have made regular payments, so would think so. I think it is down to Isme to deal with the problem, not to refer me to their supplier, they, after all, are the retailer and whether they have the technical knowledge or not, they should be dealing with me direct, not through a third party. If I returned the item, as I want to, they obviously could then contact their supplier and decide whether to replace the item or credit the amount to my account. If
  5. Hi, many thanks BankFodder for your reply. I will maybe give the supplier a call and see what they say, just out of curio, and then get back to Isme. If I don't get any joy then from Isme, I may have to go down the route you suggest, so many thanks for the info. John Lewis it is, next time.. ..sounds like they offer a good service, which is more than you can say for a lot of them.
  6. Hi all, I purchased a hoover (a Vax) less than six months ago from ISME catalogue. The hoover was hardly used until recently (I had still been using my old hoover, but had purchased the Vax one as it was a good price and my old one, although stil fine, was showing signs of age. I recently have been using the new, Vax hoover, but it very quickly stopped picking up, and had not been particularly good anyway. My husband has cleaned the filters and so forth, but it still is not picking up adequately and is really not a great hoover. Also, the pipe sect
  7. Hi, I have a question relating to TUPE and wonder if anyone can help. My husband worked as a contractor for a large IT company through a third party: the company who had been awarded the contract to supply staff to the IT Company. He was paid by the third party company, not the IT company for whom he indirectly worked. Some of the employees who worked through the third party company (the "Agency") were permanent employees, but the majority worked as contractors, as in my husband's case. A few years down the line, the IT company put the contract out to tender again. The contract was aw
  8. Anyway, hopefully, this will all be completely sorted soon, but GE money are really the most difficult company out, they know what they are doing and deliberately try to avoid doing what they have been told. One of the managers at GE even said that if they removed the entry it would seem as though there had never been any relationship between us, and so, they just can't do it. How ridiculous is that! Awwww sad !!!!!! brings a tear to the eye Yes, It was a wonderful relationship (Not!) while it lasted, but ah well, just a distant memory now - they really must learn to move on....
  9. Just an update. As mentioned before, I complained to the ICO last year re: Lloyds Tsb and also GE Money. Lloyds TSB had placed a default on my credit file in 2010, six years after the event, and GE Money were reporting that we were six payments in arrears each month, even though the account had been registered as a default in 2004, so should have automatically dropped off after six years. They had purchased it back from Link and thought it was ok to start reporting on it again. Well, the ICO found in our favour on both complaints and he recommended that both entries be removed from the
  10. Hi Caro, many thanks. My defence relied on several points, but was mainly to do with the fact that the claimant was in default of s78, which is why they wanted to adjourn, to try to come up with yet more paperwork. There were other issues as well, but obviously each case is different. I have defended a few claims myself with help from the forum which has been invaluable at times, but for the last two, I used Watsons, who fortunately were able to take my case. I would recommend that anyone tries to get help on a CFA basis if they can, but obviously it depends on how much merit their case h
  11. Hi mandm, nice to hear from you - haven't been on the forum so much in a while for one reason or another - hope you are well! I was very fortunate to have such a good outcome! Hope all of your own battles have now gone away and life is a bit quieter for you... Magda
  12. Give them a chance donkey, sure they'll be in touch very soon........
  13. That's the trouble with a lot of these cases, some of it is down to the judge you get on the day, isn't it, which if you are a LIP as donkey just mentioned, it can be difficult to argue against an experienced barrister and HFO do instruct pretty good barristers I believe. That was one thing I was really pleased about, that I would have had a great barrister in my corner - makes a huge difference. The OFT are aware of all of the issues regarding this case, I made sure of that some time ago. Hopefully Hfo won't be around too much longer.
  14. Well, according to M&S they know them as Roxburghe, so that's what they call them, but they said it was actually sold to HFO Capital - although the agreement between M&S and HFO, of course, was entered into between HFO Cayman and M&S, but HFO claim it was then sold to HFO Ireland - usual HFO tactics to muddy the waters as much as they can.
  15. Hi BA, No, M&S claimed it was sold to HFO Capital Ltd in the letter they sent to me. They gave HFO's name, but TR's address - and the date of the assignment was a day out, which although not much of a difference, is still wrong. Mind you, Watsons weren't really focusing on the assignment issue too much anyway as there were other, better arguments in my case that could be used.
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