This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

I paid online with a debit card. Picked up from high Street store.

Hi I purchased a LG G Watch from Carphone Warehouse online on the 28 th of Sept 2014 and picked it up from a high street store 3 days later. The watch cost £150. The strap has now split and the watch cannot fasten on to my wrist. I contacted carphone warehouse who said they do not offer support for that product and I would have to contact LG personally. I did that and sent pictures of the broken strap and they have decided the damage is down to "normal wear and tear". I am now not sure where to turn to next and any advice would be appreciated.

Hi I have a mortgaged property in which lives my in laws. They pay minimal rent, just enough to cover the mortgage. It was not bought with a buy to let mortgage. I am now about to change my family home and I will be looking to shop around for a mortgage on our new purchase with the help of a financial advisor. My question is will I have to declare this other mortgage or can I keep it under the radar. I have checked my credit file and there is no mention of this other mortgage. Thanks

Hi and thanks for replying. I understand 6 year rule it's just that in the month I made the final settlement. They insist on calling it a partial settlement. this is what it looks like: February 2014 PS Partial settlement. The payment status has been reported as in default. I an assuming in March there will be no other reporting and the defaults will start to drop off. The first was in April 2009 and so that will drop out in April 2015.

I have agreed a partial settlement with !st with the agreement that they or anyone else does not chase for the rest of the disputed debt. This was in Feb and I just checked my credit file and the record is marked as PS (partial settlement) but it still says the account is in default. This is not what I expected. Will this account stay open with the CRA and be reported on every month as in default?

Thank you to all who have offered advice. I have written again to !st and told them I am minded to make a complaint.

The usual story they refused to accept any liability or blame. I filed a claim at the small claims court and they paid up. It seems the only thing they are afraid of is the courts. Good luck to everyone else.

Sorry for the delay. Yes I did win.

Another update on this long running saga. Every once in awhile !st try all different permutations of threats. The latest one is to now threaten me with bankruptcy proceedings. I would like to now make a formal complaint against them and maybe even ask for a 3rd party to resolve this. Who would be the body that I complain to? Thanks