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  1. Hi Took out a loan in 2013 when i was unemployed after a difficult time stupid idea at the time now ive been working for the last 2 and a half years ive cleared all my debts well thats what i thought until i got a letter from these cow boys this morning stating i owe them £292.00 from a debt dated back in 2013 which i thought was cleared, and i completly forgot about it. So i got this letter this morning threatning to pass it over to Moorcrap Debt Recovery telling me they will come round my house etc not that im bothered i welcome there arrival to be pushed back down the drive way. I am not refusing to pay the loan but what is really bugging me is i only borrowed £130 and these people have stuck almost 60 percent extra on top i know they have to make a little bit extra etc but £160 extra!?!?!?! Ive told them that i will only pay the remaining balance if they come to some agreement with myself i will not involve myself with Moorcroft and will ignore all there letters I am still waiting on a reply So my questions are why are these people waiting 3 years without any correspondance on this time frame, Is this a tactic to add alot of fees before they process a letter of harrassment ? Can they still persue all these fees when the only letter ive had off them is threats of DCA since 2013 ? this seems to be a little tactic they are good at from other things ive read about WDA on here
  2. The engine in my girlfriend's van recently blew up. The mechanic who she called to come out and recover the vehicle, took a look at the damage and informed her that she would need a new engine. He also informed her that he wouldn't be able to do the work, so had given it to the 'garage A around the corner'. Quite a bit of time passed by as my girlfriend deliberated upon what course of action she was going to take. When she finally decided to get a new engine, she started to attempt to make enquiries, with garage A, to which her van had been given. Not knowing much about anything, she required a bit of information from garage A, and contacted them several times, but she was poorly received, ignored, and requests for information were not responded to. Hearing all this, I told her to get her van repaired somewhere else. Thus she made new arrangements with a more customer friendly garage. All had been arranged, or so she thought, but when the new garage B (who she had arranged to do the work after the poor customer service from the original garage A) arrived to collect her van, garage A refused to hand over the keys to the van. Although garage A hadn't done any work on the vehicle, garage A has turned around and said that they wanted £25 per day as storage fee. Whilst I know that in the absence of any written or verbal contract, whereby girlfriend consented to paying a daily storage fee, garage A doesn't have a leg to stand on, I am wondering how much of a pain in the arse dealing with this issue might be. Is this a matter for the police, whereby they simply turn up whilst my girlfriend lawfully retreives her vehicle, or is might this be a real dragged out civil matter.....civil coursts, Sheriff's Officers, etc?
  3. A close family member has received a letter from Moorcroft re a loan they had with WDA. They were suffering financial difficulty and informed WDA of this, the amount was total payable £278. Letters e-mails and financial statements were sent to WDA to make offer for re-payment, this was sent by Royal Mail signed for del, which was received and signed for by WDA in May 2014. WDA had requested they send them Bank Statements which was refused by relative as they had sent them financial statements and step change docs. To date no agreement has been reached, the last contact with WDA was 16th June 2014.The amount now outstanding according to Moorcroft letter is now £480. 00. Moorcroft are threatening a home visit and also they are willing via their client WDA to offer a discount from the outstanding balance. This means that if you are able to pay an acceptable lump sum we /they will not attempt to recover the remaining balance of the debt. In addition your credit file will be marked as partially satisfied and our staff will be happy to explain what this means when you contact us. Question 1, is what should they do next. Question 2. Should Moorcroft be ignored and solely deal with WDA. All information and assistance will be gratefully received. "EXEMPLO DUCEMUS" "EXEMPLO DUCEMUS"
  4. Over 180,000 customers of credit card firm NewDay, will be refunded over £4 million after the firm admitted it unfairly charged customers. NewDay provides a mixture of store cards and credit cards for the likes of Debenhams, House of Fraser, Topshop and Topman, as well as credit cards for the likes of Aqua and Marbles, which are typically used by those with a poor credit score. About 3% of customers are due redress of £20 each on average after the company found that default fees and other charges triggered additional charges If you're due a refund you don't need to take any action, as New Day will be writing to you directly over the next two to three months. http://www.moneywise.co.uk/news/2016-03-24/provider-behind-debenhams-and-topshop-store-cards-to-refund-180000-customers
  5. Hi there, I'm new to this site and I am after a bit of advice please: A few years ago I ventured down the slippery slope of pay day loans, As a rule payments and debts were cleared and my experian was all up to date, I am still paying a qq payday loan back on agreement with no hassle at all, but about 4 weeks ago I took a call from an American from P2P saying I owe them over £500 and they want it immediately, obviously I disputed this and asked for more information as its not on my credit expert and all they said is its from 2013 and they don't have much more information, I have never had any correspondence from them or anything till 4 weeks ago and I'm very confused as I have spoke to credit expert and they say there is no record... Please help
  6. Women are beautiful, powerful, intelligent and deserve recognition. They are equals. Pulled me out of the mire many times and have so much strength,stamina. Where do they get it from. God bless them all.Any tales to tell,just wondering. How has a women helped you through a difficult time. http://www.internationalwomensday.com/Theme
  7. Hi, I'm not sure if I'm in the right place, or if anyone can help, but it never hurts to ask.... please I emailed a company with expired experience vouchers (by 17 days) explaining my situation, which is: My Mum bought me a sky diving experience and zorbing for 2 for my 'special' birthday (end of April 15). She bought them early April 2015, it's all a little vague as a family friend helped her as she isn't very confident with the internet. On April 12th, I fell very, very ill. I missed my birthday, and more things than I can count since. I've been in and out of hospital, had a multitude of tests, MRI, biopsies, and cameras. I've lost my position at work. I was also unable to complete a course, as I couldn't get to the exam. I'm still awaiting a diagnosis. I'm still very limited in being able to leave the house. I only include this to highlight why I haven't been 'on the ball' regarding expiry. I know it sounds somewhat My mum was under the impression that the tickets she bought for me were valid for 12 months. Again, I know it's our 'fault', we didn't read the vouchers thoroughly, but I'm also sure you can understand why booking a day out hasn't really been a priority when facing what we have been. I was severely ill when I received them on my birthday and have been since. I got the papers out today, as I wasn't feeling too bad. Good days are a rarity, so I figured I'd be productive. My good day quickly turned into floods of tears (not usually my style, sorry ), frustration (at missing out on yet another thing ) and guilt (as my Mum will probably end up losing her money, and now feels bad that she didn't get me anything for a 'special' birthday ...all while telling me I'm more important). She thought the vouchers were for 12 months, thus leaving us time to discuss the potential for an extension or refund....but they are only for 10 months. I emailed the company as I was too upset to ring, and explained all of the above, and that another company had been kind enough to extend a voucher bought even earlier under the circumstances, and could they help at all. I even offered to get medical letters to verify that I hadn't simply forgot, and that have been genuinely very ill. I very quickly (same day...today) received the following reply: "Thank you for your email and I am sorry to hear of the issues you had faced last year. For all eventualities that would prevent a customer from taking their experience(s), we do say that they can pay to extend their voucher(s). This will only be honoured all the time that the voucher(s) are still in date. Unfortunately as both of yours have now expired, we would not be able to assist you on this occasion. My apologies. Best Regards (name removed) Sales & Operations Manager (company name removed) :Cry: = my current emotions Do I have any way to get my mum her money back or an extension? Or has my illness cost my Mum her money and me my birthday gifts? I'm not sure if the vouchers were bought using a debit or credit card (family friend will check) but any help/ information would be greatly appreciated. Yours in hope and desperation, MissSocks
  8. Argos are going to be offering same-day home delivery service, for all seven days of the week. This new service allows you to order something by 6pm, and have it delivered by 10pm for a flat fee of £3.95. http://news.sky.com/story/1565354/delivery-wars-argos-starts-same-day-service
  9. Hi All that has a read, Thank you firstly for clicking the link and using your time to have a look at my issue On the 29th Jan I spoke to someone that called my mobile, they said they had a high court writ in my name and have been sending letters to an old address. I said that I had not lived there for four years. I gave them my correct address details asked them what it was for and said if it is mine can I arrange a repayment. They said yes but didn't know the details of it. The bill was for 1200.00 Yesterday I received a letter from a bailiff hand delivered, now asking for 2150.00 ish saying that he had visited to take items. I called him his mobile was off Today I called the HSE Group and spoke to them they said they sent me a letter on the 4th I had 10 working days to sort it and I didn't, I gave them my address details why would I then ignore them! They said I would need to speak to him, he has put on charges of £190 2nd stage and £425.00 3rd stage all in one day? is this allowed? crazy I was out at work. I called him again he finished work today at 1pm and turned his phone off, I know this as I rang them back and said I have now tried to call him again and his phone isn't working, they said its turned off when hes not working and no answer machine Please help, I think this is crazy that I have to pay all this extra money when I gave them my details. I can find the money for the original debt, but its doubled! The other thing is I am not a serial debt builder I had a house repossessed because of bad tenants and negative equity and my business failed too, every penny I earn goes to clearing my past. Many thanks in advance
  10. Is this the first time you’ve heard about SID? No worries. The video below will brief you on what it’s all about, focusing on this year’s theme“Play Your Part for a Better Internet”. More Than an Invitation, It’s a Challenge In 2015, Insafe, the organization behind the SID global campaign, came up with the slogan “Let’s Create a Better Internet Together”. Although the current and previous themes are essentially not that different, the former’s tone and scope have indeed changed from merely inviting, which anyone can easily turn down, to challenging and reminding Internet users that they can make a difference, no matter how small the effort. We think it is the perfect message that can drive one to respond with greater seriousness and vigilance in taking care of not just what we say online but how we, as privacy- and security- conscious citizens of the Web, should generally respond to the growing sophistication and prevalence of digital threats like exploits and ransomware against businesses and consumers of all ages. Threats in the UK: A Brief Review To help further foster this call for UK citizens to get involved in creating a better and safer online experience, let us refresh ourselves with a four-point list of worrying security findings from previous months that hit the news: •A report in mid-2015, our friends at Symantec named the United Kingdom as the most targeted and cyber-attacked nation in the whole of Europe, with a third of them targeting small- to medium-sized businesses. •The National Crime Agency (NCA) revealed that the UK lost £16 billion to cybercrime and cyber-enabled crimes. One of the main concerns of the organization is the rise of mobile malware due to the increasing number of apps being used for financial transactions. A rife market of users depending on the Internet to procure of goods and services online also proved to be attractive to online criminals. •Speaking of mobile, Ponemon surveyed hundreds of individuals in the UK and reported that majority of Brits would prefer losing their wallets than their smartphones—not because of the value of their device but what is found in it. In fact, they have assessed the data in their smartphones would cost around £6.5 thousand. Although they put great value and importance to their devices, 47 percent of those surveyed don’t think that having data protection features on phones are needed. •In November alone of 2015, the UK was attacked by 1,200 types of malware families. Topping the count were variants from the Kelihos Trojan, the Necurs backdoor, the Bedep Trojan, and the Conficker worm. To add more to the above, our telemetry data has showed that in last 12 months, a total of 154.5M malicious files and 138.2M potentially unwanted program (PUP) have been detected from machines based in the UK. Read More
  11. I'll try to keep it brief but succinct: I've received various bog standard letters from Shoosmiths on behalf of Arrow Global, about a HSBC Credit Card debt they bought from the Bank in 2014. I have taken no action with regard to these. Shoosmiths have however today tried to up the ante by threatening Court Action unless they have my proposals for repayment within 14 days. Is it appropriate, at this stage, to send a CCA Request letter (and am I correct in sending it to Arrow Global, who are the owners of the debt, and not HSBC, the original creditor? The letter from HSBC that I have, dated July 2014, states that "Arrow Global is now the owner of the account"). Should I also request that Arrow Global advise Shoosmiths not to take any further action until / unless my CCA Request has been complied with? Should I further write to Shoosmiths, advising them of the request that I have made of Arrow Global? This debt was previously (2012) being handled by CapQuest, on behalf of HSBC. I sent a CCA Request at that time. CapQuest acknowledged that they were unable to provide copies of the relevant documents. Should I advise Arrow Global / Shoosmiths of this fact, or is it better to keep my powder dry at this stage? If the above course of action is not the correct one for me to take, I'd be most grateful if you could point me in the right direction! Many thanks Airtomoreira
  12. Hi I keep getting emails from MMile for an old PDL I had. I can't remember when I took out this particular loan it would have been pre May 2014 - I am almost certain that I took other loans with PTPD. The emails are as follows; OUR REFERENCE: ORIGINAL CREDITOR: Pounds Till Pday Dear Mr This is a further communication in relation to the above as you have not responded to our previous attempts to communicate with you. Despite our offer of help you have not contacted us. It is vital that we speak to you - there is a solution available but in order to conclude this matter we need to understand your circumstances. We are a specialist team of agents who can genuinely assist you. Please act immediately. You can contact us on 0113 887 6876 or email us at customerservice@mmile.com. Alternatively you can visit our website www.mmile.com. Our opening hours are Monday to Thursday 8am to 8pm, Friday 8am to 6pm and Saturday 9am to 2pm. Yours sincerely Motormile Finance UK Limited (MMF) Please note: if you chose to communicate with MMF by email, unless otherwise advised by you, we will accept this as your consent to use your personal details to contact you by electronic means (email) with information about your account(s) which may include collections activity, negotiations and other services and products. We are authorised and regulated by the Financial Conduct Authority in respect of consumer credit regulated agreements. MMF is the trading name of Motormile Finance UK Limited, a company registered in England and Wales with company number 06637307. Our registered office is Protection House, 83 Bradford Road, Leeds LS28 6AT. http://www.mmile.com There is no mention of any PTDP account number, when the loan was taken etc - I had a previous email from mmile back in may 2014 advising they would arange an agent to visit my house - i sent them this email; Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc.Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be committing an act of trespass and you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance". The thing is MMile seem to have a lot of dealings with SB debts - this PTPD loan could also be SBDo I just ignore them or send them a prove it letter?
  13. More of a rant, the new manager I have always asks for the reasons why I want to book a day or half day off. It's not in a friendly "oh doing something nice?" way, its more of a "You should never take days off, you can do those things at the weekend" kind of way. Requested a half day for Thursday, got an instant response of "Why?". So I just said "Personal reasons". Does anyone else get this too? /rant Edit: one other thing, I once took a couple of hours off to leave early, thinking it wouldn't be a problem since I work late occasionally and do the odd weekend. He later put it down as a half day off. I reminded him it was a couple of hours, so technically 1/4 day off, he said tough, the system only does increments of half day. argh!
  14. I have seen the following issue on a couple of occasions, particularly EE but I think it may be common. When you leave a company, you commonly need to give 30 days notice provided you are not in a longer agreement. If you want to take your number with you, you commonly request a PAC code, which is only valid for 30 days, effectively is the start of your notice, and you leave when the PAC code is actioned by your new provider. On two occasions now with EE, relatives have decided to leave, informed them and got the PAC code to transfer their number. They have always ensured that the PAC code is actioned after they have paid another months service amount - to ensure the 30 days is covered. On both occasions, EE have refunded an amount left relating to the unused days of the 30 day advance payment taken by DD - even though this was not requested or expected - BUT then charged them a larger fee for giving less than 30 days notice. In addition to everything else, if not spotted, and you have cancelled the DD with them, then you could end up with them chasing you for unpaid debts. My other half is about to leave EE/Orange and we will watch it very carefully They have already credited her with £10 (after complaint) for failures in service related to this.
  15. https://uk.news.yahoo.com/man-writes-letter-john-lewis-152212297.html Well done John Lewis
  16. Cameron's good day to bury a LOT of bad news: From lost asylum seekers, rising council tax and police cuts to the PM's dinner guests, gifts and army of spin doctors Ministers rush out 36 statements to Parliament on last day of term Files on spin doctors, public sector pay and PM's gifts also released Reports published into homelessness, benefit cuts, asylum seekers Read more: http://www.dailymail.co.uk/news/article-3364581/A-good-day-government-bury-LOT-bad-news.html Many links on the article. Have your say,i know there are many wise ones who know about these things. Hoping someone is going to say just another scaremongering story,no truth at all. Just going to check some of these stories out. Especially homelessness.What is going on. Just read a article from America where homelessness is also increasing. Are the tent cities about to return or perhaps back already. 500k+ homeless in US, numbers rise in New York, other big cities https://www.rt.com/usa/322917-american-homeless-population-cities/ 100,000 children face spending Christmas in temporary accommodation More than 100,000 children in England face spending Christmas in temporary accommodation after a sharp annual rise in homelessness, official figures showed. http://home.bt.com/news/uk-news/100000-children-face-spending-christmas-in-temporary-accommodation-11364029394678 100,000 children can you believe this in 2015.Classed as homeless. How many adults . Breaks down to how many families. A disgrace.Does not matter who is in power,if you want to call it that.I would be saying the same thing. The Benefit Cap: hurting homeless families http://blog.shelter.org.uk/2015/10/the-benefit-cap-hurting-homeless-families/ Council tax bills to rise by up to 4% as government grant is cut Town halls will be able to increase council tax by 4 per cent every single year. Surely this cannot be true.People are at breaking point with their finances already. 10,000 asylum seekers have dropped off government's radar Thousands of asylum seekers have dropped off the Government's radar, an official report has revealed. Three in four families hit by bedroom tax cut back on food More than three quarters of people affected by the so-called 'bedroom tax' have reduced spending on food since it was introduced, an official analysis found. Cameron urged to scrap the power of the Lords to veto regulations following tax credits row The House of Lords should be stripped of the power to veto new regulations and instead be restricted to calling on MPs to rethink proposals, a review commissioned by David Cameron has recommended. £8.4million army of Conservative spin doctors paid for by YOU The taxpayer-funded bill for government spin doctors will hit £8.4million this year. Chancellor George Osborne alone now has 10 spads working for him in the Treasury, including a new director of communications and the aide credited with overhauling his image given a 42 per cent pay hike. Details of the army of 96 political special advisers (spads) paid using public money was slipped out by the Cabinet Office on the day Parliament breaks for Christmas. Now surely it is not true that George Osborne is advised on how to get his hair cut. Reminds me of a chap i knew who was a ex footballer,no names, who moved into the rental market. Used to work for him.Said to him one day after second hair stitching and face lifts,"why not just age gracefully." Sooner or later age will reappear.Skin was so tight i thought it would split. Looked ok but many thousands of pounds spent in different countries. Said, "well owl,it is image,i must appeal to the young and always look my best." Yes ,"but they have not seen you before,what does it matter. You are buying and selling and renting out properties." Just as George Osborne spouts on about politics. Do i care if he has a Caesar hair cut or grey hair.Not for one second. "Suited and booted you look ok". "Just image,i must have it" he replied Left it at that. Have not seen him for 20 years,i wonder what he looks like now.You can only surely stretch your skin so far. Or your ears will end up under your chin.Something like that,i feel you know what i mean. All on the article in more detail.Enough for me i am just going to have a stiff drink. First one this year.Whisky i feel is needed to take all this news in.
  17. Over the last couple of years Pay Day Loans have not had a good time. Since the Financial Conduct Authority took over from the OFT - they have reined in the dreadful practices used by this industry. Many of the companies have left the industry altogether, the rest are having to abide by some very strict regulations. There have been lots of fines issued and borrowers have been compensated for some of their dreadful experiences. We are now seeing quite a few caggers report back that they have finally removed themselves from the clutches of these companies. Make sure you aren't one that finds themselves IN their clutches this year !!
  18. Car is being held illegally and racking up £35 a day storage charges! I was involved in an accident just over a month ago where a truck side swiped me and took me off the road. It is clearly the fault of the truck driver and they have admitted full liability. I then took the car to a body shop garage that is next to my mechanic and since I trust and value the work of my mechanic I thought I would get similar treatment at the body shop. This wasn’t the case. When I took the car to the body shop the owner went out of his way to ensure everything would be handled for me and at the time I seen this as a good thing. I was told that he would arrange for a like for like hire car and have the claim dealt with by a firm of solicitors who would handle the claim entirely from the third party. He told me he would take care of everything and I didn’t have to worry about a thing and that I would not have to lose my no claims bonus as he would have the solicitor recover all costs from the third party (the truck company). He also promised the car back to us within 2 to 4 weeks. I trusted the body shop and agreed for him to do the repair on the car. He then arranged the hire car which was the same model lower spec and looked like it had been in multiple accidents and had been repaired very poorly. I wasn’t best pleased but put up with it believing it would be a temporary solution while my car is repaired. A month goes by and nothing happens, I called and was told that he had not even started the work and was given excuses about it taking longer. I was angry and wanted to move the car into another garage I found that agreed to have the car back on the road to me that week. The body shop refused to release the car back to me without first receiving payment in full for hire car and storage charges. Hire at £80 a day for 28 days and storage at £35 a day for 28 days. The bill was £1200 for storage and £2800 for the hire car £4000 in total and no work had been carried out. The body shop claim to be a separate company to the hire car company and have no financial links to the solicitors but it is clear that they are all working together. Why else would he demand payment for the credit hire company as well as his own storage charges at the same time? Also the solicitors seem to be working in the interest of the garage and treating him as their client rather than myself. To me it seems like a well-rehearsed highly profitable [problem] ring with a thin veneer of legitimacy. It would not surprise me if they send cars out crashing them on purpose if the state of their hire car is anything to go by. I refused to pay and asked to see the paperwork that states the body shop can hold my car without payment and the agreed storage fees. A document that looks like it was forged by copy and pasting one of my other signatures from the hire car paperwork was produced very quickly and sent over to me via email. I have no memory of signing this at any point. I stated this to the solicitor and they immediately told the bodyshop and came back to me the next day saying that the garage would now release the car if I signed the paperwork agreeing to all storage fees and accept liability for full payment if not met by the third party. To me this absolutely stinks to high heaven of foul play and how the solicitors are working on behalf of the body shop and not me. If the shop already had the signed paperwork why would they insist on me signing it again? I demanded to see colour photos of all documents showing my wet ink signatures to validate the authenticity. This request has been ignored. I returned the hire car to them as soon as I found out they were a bunch of crooks but they still have my car and it is racking up charges with them of £35 a day and it’s now been 5 weeks. I am unsure now what I can do to recover my vehicle. The third party will not pay any charges until the claim is settled in full and speaking to them they said that they will certainly be disputing such high rates for both storage and hire. If I pay for the charges I will for sure not be able to recover anywhere near the proposed rates as storage is around £10-15 a day and hire has a maximum ABI rate of £54 a day on my vehicle type. I do not want to sign any paperwork with the garage that allows them to then screw me over down the line for unreasonable charges that the third party will not accept and this is what “my” solicitor is asking me to do. I was told not to go to my own insurance initially as they will be taking care of the full claim this in hindsight was the biggest mistake I made as my insurance would have had this sorted by now and I wouldn’t be at the mercy of these crooks. I have contact my insurance at a later date and they said that I am now locked in with the solicitor and that they cannot help in any way washing their hands of it all. I am unable to have the case passed to another lawyer as I have been warned that I would be liable for a further £4000 in solicitors’ fees at this point. The last thing I need on my hands is a legal battle with a dodgy firm of solicitors. I need to get this car back and into a garage that will repair it as soon as possible as I’m having to hire another car at my own expense, things are dragging on and the bills are getting scarily big. How can I get my car back? They haven’t provided me with proof that I signed the document they forged. Should I be going to the police? Will they help or fob it off as a civil matter? How can I deal with this and force the return of my own property? Any help is much appreciated.
  19. Halifax is imposing a fee of £1 a day from arranged overdrafts of £0.01 to £1,999 as from 1st Dec 2015. No interest rate is charged. So if one has an arranged overdraft of £100 and goes overdrawn by £0.10, a fee of £1 will be charged and by 100 days, this £0.10 becomes a unarranged overdraft for which a fee of £5.00 is faced. Is this imposing excessive charges or treating customers unfairly??
  20. Can you remember Christmas Day as a child.-Your presents. What memories do you have of this day.
  21. Get your wallets at the ready and your running shoes on; it's time to grab a bargain as Black Friday is almost here. Despite being an American tradition, falling on the Friday following Thanksgiving in the United States (which is the fourth Thursday of November), the annual shopping bonanza has gone global with hundreds of retailers around the world slashing their prices to tempt shoppers with big bargain deals. Source-Link When is Black Friday PLUS everything else you need to know about it http://www.getreading.co.uk/whats-on/whats-on-news/black-friday-plus-everything-you-10178785 Have you any tales to tell about this day.Any experiences.
  22. Hi all, I have received the obligatory letter from BC, acting on behalf of Lowell who are acting on behalf of Orange lol. I've got the standard "you have 14 days to pay us or we're taking you to the small claims court" letter. Is it best for me to ignore this as per title? The debt is not statute barred. Many thanks
  23. Halloween is approaching.Can you believe this event is coming around again. I get so excited this time of year. Already i have been in shops,supermarkets going down the aisles trying masks on,putting claws on. Appearing around corners of aisles. giving friends the scare of the day. Playing with the puppet ghosts things like that. Seems to raise a smile or two in a world of serious issues. Or wondering perhaps when i will be locked up. You are never to old to enjoy these things.Not that security does not give you strange looks as a claw appears to shake their hand. But it usually ends up in a laugh.Thank goodness. If you are older remember your youth.When you were children running around. Go back there,think of those happy times,a happy place.And smile as you remember. So we are building up to this day.Saturday the 31ST october. Get your bags of goodies ready for the kids when they call round with their mums and dads. Do not turn the lights out and avoid.Do not dread this day,enjoy it.Get a Pumpkin,carve it,light it.Put it outside your door. Enjoy this event,have a laugh If you wish to,post a picture. I will, i have a nice one from a few years ago.In a while i will. If you have any recipes for this day post them.Perhaps a picture as well. Give others ideas for this tradition. Do you have a party on this day. I can feel many wanting to post,or i hope they do. If you are not a member just join us,we are a friendly lot.Life is not serious all the time we have to have fun as well. http://www.consumeractiongroup.co.uk/forum/register.php
  24. Hi and thanks again for the forum. I purchased a used car from Profiled Cars in Pitsea, Essex on the 21 of September 2015. I drove the car home and went to lock the car with the remote and it would not lock or unlock from the remote. locked the car manually and sent a text to the dealer. He advised at this point that he was not aware the key didn't work and he advised me to change the batteries and to reset the key as per the handbook. T he key wouldn't reset. I texted the dealer back and he advised me to bring the car in at the weekend but to check first when he would be there. Saturday came and he advised me that he wouldn't look at the car. He said that a £200 discount we had agreed before the sale covered and "niggly" faults. He said he would only pay £20.00 towards a repair. I said I'd been quoted at least £80.00. I suggested that I'll get the key fixed and bill him. He advised me that I should not threaten him. It then became apparent that the car had other faults which includes a lazy window motor and knocking from the suspension over bumpy roads (not apparent on the test drive). I've now realised the blower only sends hot air even in the cold position. I emailed the dealer saying I want a full refund because he refused to fix the key. At this point he said that I had verbally agreed to any small faults as a result of the discount. However, this is not true because he agreed the discount before I had even viewed the car. He's now also saying the new 30 day rule is NOT retrospective. The car has a warranty, I've booked into a local garage for the faults to be assessed. The garage will then speak with the warranty company and they will decide if the faults are valid and if they will pay. However, the key is not covered. I want to return the car but naturally the dealer is refusing. What next please ? Many thanks in advance.
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