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UKDomains last won the day on August 23 2018

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  1. Oh no I totally agree with you. I just find this whole Doyle case so dangerous.
  2. 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
  3. UKDomains

    Cex

    And from their own terms and conditions: Unwanted Items (Online orders only) If you have an unwanted item or order, please contact our Customer Services department within fourteen days of receiving said items, detailing your order number and the item(s) you will be returning. Outside of fourteen [14] days, CeX reserves the right to refuse any refund or exchange requested for items which are not faulty.
  4. UKDomains

    Cex

    Just return it under "Distance selling regs", which are now called Consumer Contracts Regulations I believe. https://www.which.co.uk/consumer-rights/regulation/consumer-contracts-regulations Is this the item? https://uk.webuy.com/product-detail?id=scamdbpsj4000a&categoryName=camcorders&superCatName=electronics&title=sj4000-12mp-action-cam-a
  5. You also don't have to send £10 for a SAR anymore, it's free now under GDPR rules.
  6. Ok, reading some similar threads I have half an idea of what you mean, I stop calculating interest on CISHEET on the day they sold the account, and then have to find the STATINT sheet and put the totals for both ROP and Charges into that sheet seperately from day after they closed account until the date they settle.
  7. Hi Dx, thanks for taking the time to respond. Slightly confused what you mean though. I have separated the two in the sheets attached. STATINT sheet? Is this a different one? I'll go look for it now. Don't know what totals to put where. VANQUIS-ROP-CAG.xls VANQUIS-CHARGES-CAG.xls
  8. So for a quick recap, I had an account in 2009 with Vanquis. Account was sold to Arrow and Rectums put in a claim form. they never responded to my defence so claim was auto-stayed. Full thread here if anyone wants to read: https://www.consumeractiongroup.co.uk/forum/showthread.php?477307-Arrow-restons-claimform-old-Vanquis-Card-debt-statute-barred Now I don't know where my head was, but only found out a few days ago that Vanquis are refunding people. Looked on their website and they state if you owed Debt purchaser money, it would be offset, etc. This can be found here: https://www.vanquis.co.uk/existing-customers/repayment-option-plan-refund Now I have a spreadsheet where I listed all my ROP as well as charges they put on my account and was wondering if I should get reclaiming? It is statute barred. I've attached spreadsheet for info. According to Arrow I owed them £700 (from a £200 credit limit on the card) VANQUIS-CAG.xls
  9. Really poor form of Ofcom to take so long as well! Official complaint to them as well once this is sorted!
  10. Yup. 3 x copies kept safe! Site Admin, could you update thread title to **RESOLVED** or something similar please? RAC refunded me the balance of the year's insurance as well as returned the £55 they originally deducted as a "cancellation fee".
  11. Hi, sorry I have been out of the country for two weeks. The RAC confirmed the following to me: "I would like to confirm you do not need to declare you have had insurance cancelled or refused and no adverse markers have been recorded against you. We were unable to continue cover for your vehicle at your new address; however this was not a refusal of insurance. This email can be kept for your records, and forwarded to any insurer who may require confirmation of this."
  12. Just an update on this. I put in an official complaint about this and they came back with the usual what we did was right, blah blah blah, but gesture of goodwill we will send you a cheque for the £55 we charged you to cancel the account.
  13. PayPal do NOT do court. I sued them in small claims and they folded and paid me double what I was owed as compensation for harassment. You said you originally contacted the police? Did you ever get a crime number? You should have got one and sent it on to PayPal at the time and if they continued to harass you, tell them to contact the police with the crime reference number.
  14. Exactly. Nothing was attempted, blame was laid at underwriters and I was unfairly penalised. The plus side is I found an insurer who’s address file was up to date and charged me a third of what RAC charged me in December with more options added on.
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