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Doingmybest

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  1. You're right. I have looked into this and the average is around 7 years, taking into account that it's only used for around 4 hours most evenings.
  2. Hi, I've received this from Argos. Is what they're saying correct or should they send someone to examine the TV? "I'm emailing today as your email has been forwarded to my department to look into further as it isn't an Argos Store Card query. I'm sorry to read your television has developed a fault and for any disappointment this may have caused. All of our products come with a 12-month guarantee on the provision you're able to provide us with a valid proof of purchase. As your order was originally collected from store, any returns need to be processed on the stores system due to the way they operate, we're unable to access them to action this from a contact centre setting. I can confirm that faults can be reported for up to 6 years after purchase, this does not mean you will qualify for a free repair, full refund or replacement. We would take into consideration the length of time you've had the item and the nature of the fault. As your 12-month warranty has expired, we will now assist you under the 6-year duty of care. We'd be in a position to offer a pro rata refund only for fair usage as outlined in the Consumer Rights Act 2015. With this in mind, we'd kindly ask for you to obtain an independent report conducted by a qualified professional related to your item. It’s really important that your report meets the criteria listed below: • Be on letter headed paper. • Be completed by a registered tradesperson. • State the nature and cause of the fault. • Include your order number, name and address details along with any costs for the report invoiced. Once you have obtained the report, please return your television, proof of purchase and report to your local store and my store colleagues will be happy to assist you with your return."
  3. I will do. Just emailing now. Thanks for the quick responses.
  4. Just needing some advice really. I purchased a TV from Argos on 1 Jan 2019. Worked perfectly until last night. Unable to make contact with Argos by phone or Live chat as they direct you to the manufacturer. I did call the Sony and they said that as it's out of guarantee I would be charged for any repairs. My understanding is that my contract is with Argos and not Sony and it sticks in my throat that I paid £740 for a TV I expected to last around 5 to 7 years to only last 2 years and 4 months. Argos appear to be making it impossible for a customer to make this type of complaint to them as you can't speak to them or live chat unless it is an existing order or within 45 days. Does anyone have an email address and any advice as to how to take this forward please?
  5. Thanks for taking a look dx. I’ll find something else to worry about.
  6. I do get that about not being refunded twice. It’s just them writing a cheque and at the same time adding it to the balance. I never knew anything about cashback, I believed that the cheque was the PPI refund. I never received a statement of their workings out or a statement until recently. Hindsight is great but if it had been explained to me I’d like to think that I would have been able to question the logic of giving me a cheque and then adding it to the balance. In effect it was an expensive advance.
  7. Thanks dx. I agree but FOS do not. They explain it like this: At the start of your loan, you borrowed an extra £13,469.50 which was added to cover the cost of the PPI. You were charged £3,962.24 in interest because of the PPI premium between the start of the loan until the PPI was refunded. This means the total amount added to your loan over that time because of the PPI was £17,431.74. In cases like this, we’d expect the business to refund what you’d paid for the PPI up to the point it was cancelled. We’d then expect them to remove the rest of the PPI from the loan that you hadn’t yet paid. You’d already paid £4,681.86 of this cost yourself, so this is what you were refunded. This also means the amount of PPI left in your balance would’ve been £12,749.88. But when Firstplus made its offer, they removed the total cost from the loan first. So at that point, along with what you’d already paid, too much would have been removed from your balance. This is why £4,681.86 was added back to your loan when it was refunded. In total you received the total cost of £17,431.74 back - £4,681.86 paid to you and £12,924.10 removed from your balance. You also received simple interest at 8% per year as compensation on the payments you made. All things considered I think Firstplus made you a fair offer and put your loan in the position it would have been in had the PPI not been sold. I’ve asked for the ombudsman’s view because them adding it to the loan amounted to their gain - added interest and to my detriment. Oh yeah, when I questioned the cash back business they withdrew that term.
  8. No mention in the SAR, FOS never mentioned it in previous communication either. It’s buried in the t and c’s that as long as you keep up the payments that you may get the premium back. So what they’ve done is refunded me the PPI, payments and interest and then added back to the balance. Otherwise I would’ve been paid back twice???? in effect restructuring the loan and then increasing the balance. FOS feels that this is okay and has sided with them.
  9. Telephone call from FOS telling me that the PPI I was sold was a CASHBACK one meaning that if I hadn’t made any claims in the 5 years it was due to run that I’d get the policy (not the payments or interest) back. This is why they refunded it by cheque and then added it to the balance. Apparently Barclays we’re selling these at the time. Has anyone heard anything like this as this is the first I’m hearing of this?
  10. just doing some research into the time limits thingy: FOS website states: six months from the business sending the consumer a final response (which has to mention the six-month time limit); and six years from the event the consumer is complaining about (or - if later - three years from when the consumer knew, or could reasonably have known, they had cause to complain). I only became aware of the issue when I received the SAR so should be covered here I think. I've read it and re-read it and Elderbridge make it sound like it's consecutive years but the FOS wording seems quite open? I know that no-one can say for sure but does anyone else either read it the same way or had experience of this time limit issue?
  11. Thanks as always dx. Just spoken to FOS and will put my complaint into them now.
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