Hi there , Just a quick question i need help with guys , i have been a customer of perfect homes for 5 years and had a few items off them and most of them are paid off , i have currently 3 items left with them and 2 are nearly paid off , my question is with the final item , if i decide i do not want it anymore , and i refuse to pay for it , and i have told them i do not want it and to come and pick it up , can they actually do anything ? The reason i ask is the 3rd item is a 2ND HAND TV they sold me over a 4 yr period they charged me £3843, it was a 55 inch curved tv , i have paid over £1200+ on it so far , and have now come to the conclusion i actually do not want to pay another £2000+ on an item i could go out and buy for a whole lot less , ( the reason i had it in the first place was i had a 65 inch tv off them previously and it didnt work properly , so i handed it them back and the only other tv they had in stock was the 55 inch tv 2ND HAND !! ) i took that as i didn't have another tv , am i in the position where i can keep it after i have paid so much off it , or should i just cut my losses and just hand it back , because i refuse to pay another penny on it ? Any help would be appreciated thanks in advance Badboy09

hi everyone , Just looking for some advice , the situation i am currently in at the moment is this , my wife was claiming ESA for the both of us , and we were both on it for maybe 18 months or so , and she also claims PIP ( she was on high rate pip , then on the next medical she got put down to medium rate pip, but never questioned why it had been lowered) , she then got told she needed to go for a medical ( she passed the first medical ) ( she has Idiopathic intracranial hypertension (IIH) , she has had 3 surgeries so far and its looking like she will be going back for a 4th surgery as they still have not fixed the problem yet , and then she went for a medical a 4 months ago roughly , and she received an outcome letter saying she had failed the medical , so she went to citizens advice to seek advice , and got told to take it to a tribunal , which she is doing , so she went on JSA , and they told her she had to go to work courses , even though she was handing in sick notes every month , anyway she has know been told she is going back on ESA at a reduced rate , because shes been handing in sick notes for more than 13 weeks , ( we are losing roughly £93 a fortnight ) until the outcome of the tribunal is decided , does anyone know how long it can take from starting the tribunal procedure to the tribunal date ? its roughly been 3-4 months so far any advice would be appreciated thanks in advance badboy09

i tried telling them till i was blue in the face and their only response was you can sell it back to us for £60 , so i told them where they can shove that offer i will be getting a full refund but ty for the idea of sending them consumer rights act and a letter .

i have also been advised to take it to pc world and ask them to do a stress test on it , to see what their outcome is , the second shop didnt charge me for the blown psu's as he does all my computer work and he offered this out of friendship , im assuming he had ome spare in stock and was happy to try them out , i dont know that much about the innards of pc's hence why i go to my computer guy , but yes i want to hit them where it hurts i was polite the first time and tried explaining the situation which they blatantly mislead me it seems , i certainly wont be buying off these con artists again though

exactly it was like arguing with a brick wall , im hoping my chargeback goes through just so i can walk back in the shop and tell them where to shove there faulty graphics card

thats what i thought to begin with , then i took it down to the computer shop to see if that was the case , and it was confirmed it was the graphics card , i was under the impression that i should go out and buy a 1000 w psu just to be over safe , but now i dont think i should

i asked for results and they only told me that it worked thats all i need to know and they wouldnt tell me anymore

it came in a anti static bag in the incorrect box as they didnt have the correct box for some reason

wow reading that just went right over my head lol, its the only graphics card in her tower , and she turns her pc off at night and she only plays her guild wars 2 game for a couple of hours a day , so im guessing it should be ideal for her gaming need when she returned it they claimed to have done a stress test , all of 30 mins of it and provided no proof , just their word it was ok , it clearly looks like they are just passing it off , and it was a nvideo graphics card

the psu that was in my wifes computer was a 750 watt , and the only thing my wife ever does on her computer is browse the internet and play guild wars 2 , which should be enough , the owner of the computer shop is a friend of mine and had offered to test it out on his computers ( he uses his computers fir bit mining )

hi there ladies and gents , i recently purchased a 2nd hand 4 gig graphics card from cex in swansea for £150 , for my wifes birthday , she brought it home and then took her computer and her new graphics card to a local computer shop to have it installed correctly with in a couple of days , her power supply unit in her computer blew up , we took it back the computer shop and they did a test on it , found out it was the graphics card i bought from cex in swansea , the owner of the computer shop then suggested leaving the card with him so he can do a overnight test on it , to see if it did the same to his computers in his shop , we left it there for 2 days in that time , it had blown 2 of his power supply units to , he explained it was the graphics card at fault , we took it back to the shop in swansea , who then explained they would have to test it themselves , after 30 mins , the cex staff came back and told us everything was fine with it , and we were refused a refund , i explained that it was within 28 days and i was entitled to a refund under the "short time to reject" option ( consumer rights told me about that one) they blatantly refused a refund and told me if i wish to sell it back to them , they would offer me £60 , no matter how many times i explained that it was faulty he refused to accept that , i am now in the process of getting a letter written up by the computer repair shop with proof that it is faulty , is there a template available i can send to them demanding a refund , i have also put in for a chargeback on my card via my bank in regards to this as well , i just want to have all my bases covered when i go at them again , i was also informed by consumer rights that i could claim consequential losses in regards to having to replace the psu unit in my wifes computer as well because of this . any help would be appreciated badboy09

ok will do i made an initial payment of £20 today , lets see how that goes

the previous bill i had paid was roughly around the £500 mark

ok will try that , just going to see if he reacts to the text i sent him earlier , the company itself have all our incomes and expenditures from when i previously was paying them, but its weird how once a bailiff has been out the office want nothing to do with your account , and hand sole control of it over to the bailiff to deal with , i had just payed off a previous council tax bill of over £500 , and had this to pay , it seems they will try and get what they can without sending out a warning letter first or a phone call , just send a bailiff its an extra £300 + in their pockets ..

he has not tried taking anything from outside the house as there is nothing , the car is parked across the street among many others lol

ty leakie , well the text message i sent him offering him £20 a week to which is more than i was paying before , has gone ignored , i think he will come back , just to push see if he can get that £100 , i will tell him go get a court letter because i am not refusing to pay

here is the letter off them , address details and such are covered and he has had no entry i wouldnt let them in

hi there , just a quick question , iswift credit ( www.swiftcredit.co.uk) at my door this morning , they are a debt collection company for the local council in regards to council tax , been paying them for over a year , and had paid one of the debts off , i got in abit of financial difficulty and had missed the last 2 months ( i usually pay £35 a month) , and due to my own fault , they then turned up at my door whilst i was out , i am still having some financial difficulties , when i got home , i rung the office up and offered to pay £20 a month which is better than nothing , they willingly took the first payment of £20 , then told me thanks but you still have to deal with the bailiff who came to the door , hes coming back on thursday expecting £100, or he will get a letter from the court to gain access to my house , to take items , i told him i had paid £20 to the office , and he didnt care he told us he still wants £100 on thursday ( yet the debt i have built up with them so far is only £70 ) and he wants to set up a new plan for £100 a week , i told him he can get stuffed , where do i stand with this ?? as i offered an amount i can afford and they are saying no ?? yet they never sent no letter telling me i was in default , just sent a bailiff instead ...

ty for your help bazza , much appreciated

ty bazza , yes it was a foolish and costly one , the reason i said $4k was because it was , the way it works is this , you buy a credit pack it lasts for 90 days , then expires but it pays you $60 from the $50 you invested , and with the amount of packs i had i had quite a few expiring and then i was using the $60 i made and investing it into another credit pack , if that makes sense , i have had way more than 235 over the period of time i was in it , but its hard to calculate when packs drop off ( expired) and then when other ones are bought , when i spoke to santander they had amassed all the payments i ever made to this company and its roughly 4 grand there and abouts , and yes it did rely for you to bring in referrals to the business to , it sounded very appealing at the beginning when they showed you how easy it was to earn money , and it had been around for a couple of years as well , might as well take it as a lesson learned i guess

Hi there , just looking for a little info in regards to a recent claim i put in to santander and wondering what the outlook may be ? I joined an online REVSHARE business called " MY ADVERTISING PAYS " back in march 2015 , and this was the first program i had got involved in when i started network marketing online , i invested about 4-5 grand in this business over a period of about 18 months , the idea of this business was that for every credit pack i bought costing $50 i would receive $60 back , ( yes i was gullible and believed this) as it looked legit at the time , i had now managed to purchase 235 of these packs over a period of time , i was earning roughly $100 off this program , when it came to the time i wanted to withdraw , they then turned the option off , leaving thousands worldwide with mass losses , i contacted santander , and put a claim in that i didnt receive the service i had signed up for , and would like them to put a fraud claim in so i could claim the funds back , i used my visa debit card to do all these transactions , over the time period , they have since closed down " MY ADVERTISING PAYS" and reopened it as " THE ADVERT PLATFORM " and started doing the same again !! what are the chances of me getting any of the money back ?? ty in advance badboy09

Has anyone else had a nightmare with utility warehouse ? I have unfortunatly been with them for nearly 2 years , and i am paying roughly £165 a month for all my services , like home phone broadband , and i have 4 mobile contracts with them , i have never had any issues with them so far until last week , i always pay my bills a week before they are due to be taken from my bank a nd apparently i am a gold customer with them , ( i thought that was a benefit of being a good customer ) , apparently it amounts to nothing with them , i rang up last week , and i explained i wanted to upgrade a contract early , as all their phone contracts have 2 yr terms , i wanted to upgrade a contract that was due to run out first , which was in 11 months time, but i got told that the bill to upgrade early would cost me £88 , i asked if i could pay that over the phone with them , and they told me NO , you can have the upgrade , but the £88 would go onto the end of your july bill , so i said that was fine , they told me they would process the order and ring me back the next day , the next day came and got no call back , i then called back and the same thing happened again , and then again the day after , i rung up to complain and they told me i had failed a credit check with them for the upgrade , even though i had never missed a bill never paid late and never had a single issue on my account and i wanted to pay off my remaining upgrade there and then , yet 3 of their advisors told me otherwise and said you can upgrade , in the days prior to this call , , i told them i was leaving as i didn't appreciate being fobbed off and lied to , the attitude started , like they couldn't care less , and now for the past 3 days my internet has gone from being perfect to very very intermittent , it keeps cutting off and then going back on again , they may seem polite on the phone , but this companies loyalty to their customers is none existant , and they dont care lol , stay away from their are better providers out their !!

hi dx , thankyou for the info , i have sent them an email , with the template above , and i will also send them in a letter as well with the same info on it , i will contact the council today , and ask for the info , but may i ask what exactly would it achieve , as the council seem to shrug off any enquiries once they have been sent over to the bailiffs

as it stands at this moment in time ,i dont have a car for him to take , and yes i do have the payments saved up , and im only £200 in arrears , the reason i mentioned him coming here for the wrong reason , was because i recently visited citizens advice and they told me that , i should have received a letter from them b4 the bailiff turned up , to tell me i was in arrears , but they didnt send one , and they now seem to be stalling in the info i am requesting ..

hi all , this enquiry is about http://www.swiftcredit.co.uk/ , This has been an ongoing saga , but its getting to a point where i want to put a nail in the coffin , so any help would be appreciated , I have 2 outstanding debts with them, that were originally from bridgend county council for council tax, one was for my wife and the other was mine, i was paying £35 a month on the pair , last yr i was paying them every month as usual this went on for about 6 months or so , maybe longer , i missed a payment in december 2014 , all of a sudden in january 2015 a bailiff turned up at my door , i asked him why he was here and he told me , that i had not been paying 1 of the payments and not the other , even though every month when i was ringing up to make payment , i was clearly telling them to split the payments , which they were doing , told the bailiff this was incorrect and i suggest you go back to your office , i then contacted the office and asked them why they had sent a bailiff out , and they claimed it was due to the problem mentioned , they suddenly found out i was actually correct , and they said it would be sorted , a month or so later , i emailed them and asked them if they had sorted it out , so i could continue paying as normal , and they didn't get back to me , a month later i did the same again , and this time i got a response , telling me the bailiff fee wasn't getting removed , i rang them up and had a heated discussion with them on the phone , about you admitted last time i spoke to you , that he was sent in error , then they put me onto a complaints department member , who then proceeded to tell me the bailiff had now been sent for that 1 payment i had missed in december , i had already told them he wasn't there for that , and she insisted he was ,the call ended , surely if i had missed a payment in december , then wouldn't they surely have sent me a latter saying i was in default or i am late on a payment first ??? before they send out a bailiff ?? , i then emailed them back demanding i want a copy of all my payments and i want a copy of the sheet the bailiff , came round with back in december !! now the email was sent at least 2 months ago , and i have had no emails back off them and i have not had 1 bailiff at my door , in regards to the last 8 months of non payment , how do i put a nail in this coffin and end it ?? as this has gone on long enough !!