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UKDomains last won the day on August 23 2018

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  1. Online complaint done. Auto-acknowledged by them. Doing SAR now. Thanks for comments, I will update once we hear back from them.
  2. Andy, correct. I only found that out later.
  3. dx, correct! I know it was tight leaving it to day 118, but that's the wife not wanting to talk to strangers on the phone
  4. Hi Bankfodder, Yes, correct. Purchase went through as one payment, one order number with tickets x 4 in order, subtotal and payment amount all in one order. I had been nagging my wife for months to sort it out, eventually she raised a dispute through their secure msg system. please verify my dates are correct: Date of match: 4th Feb 2020 Date chargeback request done through secure message on capital one: 1st June 2020 This equals 118 days? 2nd June advised to complete form and email back - Day 119. Form completed and sent back with copies of numerous emails sent to company on 2nd June. I'm going to do an online complaint now. In their email they state: Unfortunately, we are unable to pursue a chargeback on your behalf on this occasion because more than 120 days have elapsed since the date of the event for which the tickets were purchased. Does this mean THEY cant do it because it has taken them 8 days to look at it, pushing it over 120 days? Or are they implying we took longer than 120 days to report it, which we didn't. I consider the secure message on day 118 as my wife notifying them.
  5. My wife is attempting to do a chargeback on a purchase that was fraudulent. She bought cricket tickets for her Dad, who lives in South Africa for his birthday. Date of transaction was 17th June 2019. Date of cricket match was 4th of February. After chasing the company for many months, the e-tickets were emailed to us, which we forwarded on to her Dad. He printed the tickets and arrived at the cricket match to be told the tickets were fake. All of a sudden numerous reviews started popping up on the internet from other people saying they had been given fake tickets. Company has now disappeared. My wife reported the chargeback request on day 118, they got back to her on day 119 with a web form, which was emailed on the same day back to Capital One. What do we do now as this is their response: Thank you for your letter in regards to the transaction to INSTATICKET SA (the 'Merchant') for £244.87. We are sorry to hear about the problems you have encountered with the Merchant. We have considered two ways in which we may have been able to help you recover the sums paid by you to the Merchant: 1. Chargeback; and 2. A claim under Section 75 of the Consumer Credit Act 1974 ('the Act'). 1.Chargeback We have certain rights to claim a refund of a disputed transaction from a merchant's bank on a customer's behalf; this is known as a chargeback. However, there are certain restrictions and timeframe limitations set out by Mastercard as to whether we can claim a refund. Unfortunately, we are unable to pursue a chargeback on your behalf on this occasion because more than 120 days have elapsed since the date of the event for which the tickets were purchased. We have also considered whether you may have a claim under Section 75 of the Consumer Credit Act 1974 (the 'Act'). 2. Section 75 of the Act ('Section 75') Section 75 can offer protection to consumers who use a credit card to purchase goods or services in part or full. However, in order for a claim to be considered, the following conditions must all be satisfied. 1. The claim must be made within the time limits set out in the Limitation Act 1980 – these time limits are different to those that apply to chargebacks and is usually 6 years; 2. Section 75 must be 'engaged' – This means that the relevant transaction must satisfy the criteria set out in the Act, including: - There must be a direct 3-way agreement between the debtor (you), the creditor (Capital One) and the supplier who provided the goods or services that are being complained about; and - The price of the goods or services purchased must be at least £100 but not exceed £30,000; and 3. There must be a proven claim against the supplier – This means that there must be a proven claim for misrepresentation or breach of contract against the supplier. A customer will not be entitled to a refund under Section 75 of the Act unless all of the above conditions are satisfied. Summary of investigation - The transaction was for 4 tickets to an event at a total cost of £244.87, making each ticket's cost under £100. It is therefore considered that you do not have a claim under Section 75 of the Act and, as such, Capital One is not jointly liable for any misrepresentation or breach of contract by the Merchant. This is because the value of the goods or services is not within the monetary requirements set by the Act. Unfortunately, we cannot assist you with your claim on this occasion as we are unable to recover the disputed amount via chargeback or consider a claim under Section 75 of the Act. I'm sorry this may not be the response you were hoping for. If you have any further questions relating to your dispute, please give us a call on 0333 000 0205 Mon-Fri 9am-5pm. Kind regards, Darren Carlile Head of Customer Operations
  6. Ah, I just checked my original MCOL claim form which states County Court Business Centre, so this would be a part 7 money only order, and would be issued to defendant's court. So therefore: Top of the form I would write: "In the (my local CC) and send it to defendant's court. Thanks Andy
  7. Hi all, I am in the process of completing form N349 against a Ltd company with the 3rd party being HSBC UK. Need some help in actually completing the form. I have downloaded and completed all except: At the top is shows "In the...................." what do I complete there? Name of court near Defendant? Where do I send it? Do I look up the court that deals with third party orders in the defendant's area and send it there? I want to pay the fees by card. Do I just add a note to the document requesting them to contact me for payment?
  8. Just a small update on this saga with Blue Motor Finance. They looked into my complaint, wrote to me saying their figures were correct, but as a “gesture of goodwill” were refunding me £56. Yeah right.... Direct Debit was altered to reflect the £110 to be paid each month, £56 refunded into my bank account. Result I thought...not. Yesterday received a text message and phone call from their collections team, telling me I was behind on my payments and that I owed them £56. Took the wind out of the woman’s sails when I told her the whole story, was put on hold for 10 minutes while she spoke to head office, came back to me to say head office will get back to me, which they never did. left her with a warning to put on my notes that if they put a late payment marker on my credit file because of this, I will be taking them to court.
  9. Need some advice, and a fresh set of eyes as I feel like I'm getting nowhere with Blue Motor Finance. I have a car financed through Blue Motor, in April I offered them a lump sump of money to bring down my monthly payments to them: According the the partial settlement letter they sent me on the 12th of April 2019: They advised me that the next payment due on the 15th of April would be the normal amount of £167.66 and then the month thereafter it would be £110.29 So I paid the £2000 into their bank account they had given me, and then on the 14th of May they kept on taking the £166.67 instead of the £110.29 as the letter stated. I had to ring up as they would not talk about my account via email, and I got some excuse about how my settlement letter stated that this would happen, which I replied the letter doesn't state that, so the lady looked up the letter on the system and said "oh somehow the system did not generate that bit" and how it was company policy that after a settlement was done the next month's payment would remain the same and then change the month thereafter. She did not understand that the settlement letter, generated the 12th of April, would take into account the normal payment 3 days later, and then May's payment would be later. I asked how many payments do I have left: Answer: 44. I even tried to walk through the payments I still need to make, ie 44 monthly payments of £110.29, plus the £166.67 payment made in May, equals £5019.43, and not the £4 962.95 they say is now outstanding, which was generated before my April's payment. I asked for it to be escalated into a complaint as her explanations made no sense at all, and you can't come and tell me the system did not generate the offer letter properly, which I accepted and made the partial settlement payment based on this offer letter. I will apparently be contacted within 5 business days by someone in the complaints team.
  10. Thanks dx. a little update on this. Court awarded me a CCJ against this company, and I've been chasing them for a year now. Registered address changed to a lawyers office in London. I contacted this law office numerous times, and eventually one of the directors emailed me back and confirmed Payza was indeed their client and that they were not aware of any CCJ. I sent him all the court papers as well as a copy from Trust Online about a month ago. So far the lawyers have ignored me further. Now I'm looking at a way to perhaps do a third party debt order against their bank account. I I know they had money in the bank account. The director had since been arrested in America after my CCJ against the company. Am I correct in thinking I have to pay the fee and it gets added on to the CCJ amount? I'm about 75% sure I know what banks they were using, but don't want to waste the money on fees to be told they don't use that bank. Is there a way to get their lawyer to say which bank they use?
  11. Great, I was going to suggest getting as much evidence together as possible, and the website siding with you would be a positive. Would be interesting if they would be able to confirm if the user logged in from usual computer and IP location as normal if a regular trader.
  12. I've sold bitcoin before on localbitcoins. Have you reached out to them as well?
  13. Oh no I totally agree with you. I just find this whole Doyle case so dangerous.
  14. StepChange have already altered their advice to say it is 6 years after default notice. https://www.stepchange.org/debt-info/can-i-write-off-debt/statute-barred-debt.aspx
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