I’ve had what I think is called a moral debate with Argos about this case of Bait advertising and Argos claim they are within the law on this subject. I have noticed though that the product in question is now £26.99 down from £54.99. Victory is mine; well I still paid £29.99. So Victory is yours; whoever buys one at this new remarkable price

If you order something online for collection and get a "You may receive a substitute of similar specification, but which is cosmetically different." Make sure you have the means in the store to check online the value of the product they are giving as the substitute. I almost got robbed by them when they substituted with a product almost half the value, I found out when I got it home and found that comet had the item for almost half the price. I returned it and got a refund no problems and got it from comet.

so why don't they do that with arrangements to pay, that you stick to. if I had let it go to a default I would be in a better position now.

check my post. my problems were now over 6 years old, but as I paid it; it will blight me for a total of 10 years. http://www.consumeractiongroup.co.uk/forum/showthread.php?t=279885&goto=newpost

I agree something needs to be done, check my post http://www.consumeractiongroup.co.uk/forum/showthread.php?t=279885 basically I had missed payments in 2002, got my account in order Mar/April 2004. had an arrangement to pay between the time I messed up and till I got the account back in order, which I sorted the account and had my finances in order by 2004, never missed one of the payments. then paid the outstanding balence and closed the account in 2006. so I hit problem in 2002, problem won't actually go away until Sep 2012, even though I resolved problem 6.5 years ago. Thats 10 YEARS, or 8 since fixing it. something has to be done about the system, it isn't right. it's not right at all.

I'm starting to think that, I'm on check my file and get all 3 reports and they all have different accounts listed. one has no accounts on their but still scores me(low) the cheek of it all.

I'm starting to think that, I'm on check my file and get all 3 reports and they all have different accounts listed. one has no accounts on their but still scores me(low) the cheek of it all.

I already claimed back the charges on the account back in 2004, that's how I got the account back into order. the sad thing is now I wish I had not bothered paying them anything at all. they treated me with such contempt at the time and made things so hard to sort out, then they have the cheek to punish me for 8 years. so all you people out their, this is a lesson to learn. don't ever pay your debts back, you will sort them out faster if you don't. potentially I could have had a problem with an account 15 years ago and it could still be effecting my credit score, surely this goes against their own guidelines and rules. this kind of shows how the CRA's could be adversely effecting their own business with the banks or the banks insistence on this system could and hopefully will encourage people to not pay their debts. so for me though, the CRA has and will effect my life for a total of 10 years. if I live to 100, which I probably won't then that's 10% of my life they have taken and made me struggle with. if I take into account that I was a kid for the first 20 years then that makes the percentage even worse. this system must be changed to only allow 6 years worth of actual data, not data that might have been stored up to 6 years ago about data over 6 years ago. Grrrrrrrrrrrrrr the banks and cras

Afternoon, I'll jump straight in with this, I had a Halifax Credit card which I got into payment problems after losing my job in Nov 2002. I then had an arrangement to pay until Feb 2004; where I got the account back into order. my account was then in order until Sep 2006 when I closed the account, however the arrangement to pay is still shown as the effective reason for my rating to be low. quoted below from check my file from the Equifax report "Payment Performance" "You have an account with an Arrangement to Pay on your credit report" "You have 8 accounts reported on your Equifax credit report. Of these, 6 are reported as being currently active." "You have 1 arrangement to pay on your credit report." Every other section of the report except the number of credit searches(which is 0) is reported as being good. my credit card usage is at 50% which is apparently Bang on perfect to be considered credit active and the number of accounts is also apparently bang on perfect at 6, all accounts have have been operated correctly for over 6 years, I have been confirmed on the electoral roll, I have no CCJ's or Judgements or Insolvency ever. My credit score however shows at 540 or 1 star and I am an unacceptable risk to lenders. this is still keeping my interest at stupid rates of upto 39.9% on some cards, as you can tell keeping this at 50% is costing me a fortune. I also have to rely on pay as you go mobiles or venture in higher cost mobile contracts. can I get that record stricken from the book as the bad balance will show until Sep 2012, or do I have to wait another 2 years still. are banks doing this deliberately to make sure you pay them higher interest rates on everything you buy. any help is greatly appreciated.

Hello all, it's me again. Well 2.5 years since I sent a statute barred letter and receiving confirmation that they would be taking no further action I finally get another letter from Cabot demanding this be paid. This debt is now apparently over 13 years old, more than twice the statute barred limit. What’s more I’ve already sent letters informing them of this and they have already accepted it. Does this now constitute harassment, what action should I take on this. Do I need to just send the same letter as before? Or should this new letter be something more potent; I mean why should I need to keep telling them the same thing over and over again. Again, let the games begin; again

Hi All, I've been looking for a subject access request template for CCTV access. a friend on mine was shopping in Marks and Sparks and had her handbag nicked. she spoke to the manager who said there was nothing he could do, no information or advice was given. he would not give her information on how to obtain the footage, he did not supply information on how to contact their data controler or any procedures. she also spoke to the police who also seemed to be not to bothered and just said they would get back to her if they persue the case. in the absence of their care I thought it better to gather the evidence ourselfs and then present the information to the police. all I need is a template for this kind of request, the banking templates don't look very modifiable. Cheers for any help

Even if I can prove I paid the rent for the past 3 years. as i always paid it with my card online.

Hi, I Live with my girlfriend in Housing association house. the house is in her name and I have lived here for 3 years, we split up and she wants me out. I don't want to hang around but I have to have time to find a new place. Can she boot me out without notice, does she need a court order first or some sort of writen notice.

Well I suppose they had to give it a go. Worth them trying if you think about it. it cost them like 60p to send a letter to maybe get 3 grand. if I was a less aware person I might have paid it. I still haven't heard anything back from them, so I assume thats that. Happy Xmas all

Lots of interesting things being said about this, well just to let you know - I have not been paid a visit by the boys in blue. so far. just clear a few points on this matter. 1. you can only overtake on the left side if the car in front is indicating to turn right. 2. the cars in front are queing in traffic and their lane is moving more slowly than yours. 3. in a 1 way street in all circumstances. 4. if the traffic on the right starts to break. in my situation I was approaching from the near side lane, indicated to pull to the outside lane and left me indicator on in a jesture of I wish to pass. then indicated back to the left when a pass was not permitted, I had no intention of undertaking but I did have the intention of leaving my left indicator flashing to influence them in front to do the same. let the debate continue.