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  1. Hi I've ordered a leather apple watch strap from WSC - THE WATCH STRAP CO. The strap was faulty and I returned it back to them within a few days of receiving it and requested a refund. However they refuse a refund and only offer a replacement or a credit. They claim their terms of conditions clearly state that. I am pretty sure that I have a right to a full refund but I am not sure which is the applicable legislation. Is it the Consumer Rights Act or the Distance Selling Regulations? Where can I find the relevant sections? They also have a sticker on the straps that says
  2. I don't know if this is a question, a warning or a rant but having just experienced the worst car journey of my life, I am feeling pretty traumatised and having flashbacks of the nightmare I had yesterday. These are just the highlights. I was driving from North Perthshire to Lancashire and just as I was south of Glasgow, the car jolted and my car's amber engine light came on along with a red light with a message saying ENGINE SYSTEM ERROR. I pulled onto the hard shoulder, switched the engine off and then restarted. Everything seemed fine for about five minutes and then it happened agai
  3. Hi everyone, I'm new one here and sorry for my mistakes, english isn't my first language ))) The question is about PPI claim. I moved to UK in 2010 and opened my bank account in Lloyds bank. Because of I didn't speak in English very well the lady in bank sold me Silver account and I didn't know I can have a free one. I knew only this year (2018) in April and I did complain through Resolver and than escalated to Ombudsman. Today I received the answer with refuse. They write it's too late because of it's more than 6 years from opening account date and I should re
  4. Like thousands (100's of thousands?) of other disabled people, I have had my mandatory PIP application refused. I had previously been receiving DLA (middle care, full mobility) for 6 years. On the decision, I was awarded 0 points for all parts. The comments made were either from an assessment for someone else, or were downright lies. I will now have my car, my lifeline to the outside world, taken off me on 13th November. I will only be receiving ESA now, but as the PIP decision says that I am capable of work, I know its only a matter of time before it is
  5. Hi, I am hoping to get some advice on this thread. Myself, my 2 children, my sister her 2 children and my mum all stayed at parkdean (Shurdale). it was supposed to be 4 nights but was only there for 2. We were in a 3 bedroom van. The first night we had no sleep due to the caravan behind us. The caravan behind was full of teenagers (No adult supervision). They were swearing shouting and screaming till 2am. We tried to call security repeatedly but could not get through. Myself and my sister went out to ask them to keep the noise down twice, but this did not help mat
  6. Hi guys, I bought a used car last week that was described as a 'superb example' with absolutely no mechanical issues. The same day, on the way home from the garage, the engine was misfiring. It was diagnosed by a mechanic two days later and a report written. I agreed to return the car for repair having initially been refused a refund - a 100 mile journey. 20 miles into the journey the car was misfiring constantly - vibrating/shuddering. It did not feel safe to drive. I called the dealer and stated that I would like to return the car for a full refund, as we have suffered enoug
  7. Hi, my name is Vanessa. Can please anyone give me some guidance regarding this problem that I'm going through? Please see the full story below: Last year I went to London and parked my car. I didn't have any change with me, so used the application "Pay by Phone" to pay for the whole morning car park. 12£. When I got back to the car, I had a penalty notice on the windscreen. I came home and I was sure that I had paid for it, so I appealed for it online. I thought this "paybyphone" app was something new and that the officer maybe didn't check my car plate online.
  8. My son has a Mk 4 VW R32 ,( Fast Golf ) and as well as being a long term project in keeping it standard and in tip top condition ,it is also a money pit , but he loves the car . His latest project came about because of a leak from the sun roof ,. The leak caused staining and other damage to the head lining ,so having replaced seals to the sunroof , using the cars VIN number he ordered a new headlining , which was special order from the factory The replacement head lining material is not a match to the rest of the interior trim ,” A” posts “B” posts and sunroof inner panel et
  9. Was called today by I.C.B..... Definitely something to do with motor insurance.. I went through 'security' and when they asked for my address I refused but give the my name and DOB... They said I have not passed security and hung up.. ha! I called Premium Credit who work with Adrian Flux to take credit payments said it is nothign to do with them (that's who I am insured by). So what do I do here? I realy don't care about my credit score because it's to pants is the whole scoring system anyway... But yeah would like to know what's up with these cowboys.
  10. Hello, and thanks for reading this. I am in a strange situation of trying to open a bank account, even a basic one. At the moment I use a credit union and it works brilliantly. Unfortunately, they are restricted to a maximum of £20K. In a few months , I am due an inheritance and I need somewhere to put it. Both the Co-op and Barclays have refused, despite saying yes at first, and sending account details. Today they have rescinded their offer. Now there are some defaults on my credit file. Two are current from Anglia Water, which have a note of d
  11. Hi all. I'm hoping someone can help me with the below please? I signed up for a trial on a website called alphaprep.net for their CCNA courses on 27th October, tried the service and didn't want to continue beyond the trial. The website informed me upon signup that they would send me an email to remind me to cancel before the trial period was up (see attached screen shot from their website). They didn't do this and then subsequently charged me $259.99 without any other notice. I have since e-mailed them to request a refund and cancellation but they informed me that
  12. I'm emailing in respect of Temp work problem.I have registered with an agency to work on during the weekends. I joined the agency in May and I have been working for the agency ever since.I did not singed a contract with them and all I did I sent them my Security licence ,NI,British passport ,proof of address and bank details. Everything was fine I used to receive my pay slips and get paid on Fridays.The agency hire me to work for a company to cover luxury shops and night clubs and bars in London. on the 25th of August around 22:30,I was working in a bar in London, I got a cal
  13. Hello I was put at risk of redundancy , the letter said they would consider volunteers but no guarantee, was intending to leave later in the year i volunteered . had a one to one with the director and said i was interested , have worked there for over 10 years so the payout was considerable and would help with my new venture . The request was refused. There are 2 positions and 4 people , have un offically been told one of the roles is mine even though i said dont want it, was un offically told they want me to take the job as if i dont they will be forced to g
  14. I hope this is in the correct sub forum Last week I sent a statute Barred letter to Restons Solicitors for an debt that falls under the statute Barred law for an alleged debt to Capital which seems to have been sold to Cabot Financial I did not sign this letter I have recieved a county court claim from Northampton to which i have acnowleged for the same as well the day i sent this letter A copy of the letter was also sent to Cabot This morning i have received a reply from Restons more or less saying that i have sent them a "Draft" letter which purports to come from me which
  15. Hello everyone, I have applied for current accounts with Natwest and RBS which have both been denied (even though I was originally accepted) I want to know why they have refused me as my credit file is in good condition, no defaults etc so do I need to send an SAR? if so, is there a specific template? Any help or advice would be appreciated.
  16. If a staff member bought a item from a store they work at and that it turned out to be faulty, can they still return it without a receipt? Or can the managers refuse because staff simply arnt allowed a refund or exchange without a reciept as we have access to stockroom?
  17. I rang the GP surgery due to having problems with the online booking system, this particular bad mannered receptionist talked down to me in a demeaming manner, telling me to use the online booking system at 7.45am in the morning. I tell her the online booking system is showing the next 3 weeks as not available to book an appointment and question her why? Her response to use it 7.45am in the morning or ring for an appointment at 8am. I tell her I can't because I'm travelling to work that time, she responds thats the only option and she gets more and more agressive during the call, like she's on
  18. Hey guys, was wondering if you could give me some advice on whether I've handled a used car situation, as after putting it off as much as possible, I've been given no other choice but to take a car dealer to court 8th December, me and my girlfriend traded in her Corsa for £400, for a Polo plus £500 cash (£900) total. The dealer checked her car, and had access to it for about 4-5 hours. I test drove one car, which broke down straight away, then test drove a similar but more expensive one, but only at 30mph up and down the local road. I refused the £50
  19. Hi All I bought a 2nd hand Nissan X trail on 13th January from a local dealership. On 6th February I reported to the dealer that the car was making a loud noise from under the bonnet and that the engine management light had come on. We agreed to send it to my local Nissan dealership for them to run a diagnostic check. They diagnosed the fault code as an EGR fault and said that the noise could be coming from a worn turbo. They advised replacing the turbo and intercooler. After speaking with the dealership I bought the car from, I returned the car to them to investigate and they
  20. Hello Everyone, This is a piece of advise for my mother who is currently going through lots of old paperwork. Back in 1990, she and my grandfather bought a house between them, both named on the mortgage with the Nationwide. Both her income and his pensions (he was 70 at the time) were used to get the mortgage. Both had to have Decreasing Term Mortgage insurance linked to the property in the event of either of them dying as it would clear the mortgage. In 1992 my grandfather died and whilst dealing with his affairs, my mother (and I as a teenager) visited our local NW branc
  21. Hi guys i really need your help i have a property which i have rented out through agency. Everything was fine until feb this year. I wanted to sell this house so i gave section 21 noticeon 15th Feb to end agrreememnt in May. this is more then enough notice from my side. since then tennents did not pay the rent. also i wanted to take pictures of the house for sale purpose. i gave 1 week notice to tennents that i will be attending the property with professional photograper. tennents did not communicate with me. so as planned i went to the property with letting agent and photogra
  22. Hello everyone I hope your all having a good day, I have been sent a few demands for payments in a letter from Lowell portfolio in regards to various debts they have acquired. The letters are threats, demanding for payments and are asking me to phone up and arrange a payment. Today I rang Lowell ( I know, I know) and asked them for over an hour which I have recorded with their knowledge to send me a ''bill'' with a giro slip / cheque / remittance form so I can remedy the accounts they have refused to send me a bill with the remittance / giro form on the bottom.
  23. Can anyone help. Due to depression and anxiety i was on esa, i was in the support group and allowed to do permitted work. I failed my assessment and have been taken off ESA. on all other occasions i have been told that permitted work will have to stop so that is what i did this time. I am now being refused full jsa because i stopped the permitted work. I did ask what i should do about permitted work when they told me i could not claim esa anymore but no one seemed to know so that is why i finished as that had been the case before.
  24. I qualified to become a driving intructor in 2012 and in Oct 2015 I gave my ADI badge back to the Driving Standards Agency (DSA) as I was no longer teaching due to being in a full time job. The DSA sent me a letter to confirm they received my ADI badge in Oct 2015 also confirmed they removed my name off the Driving Instructors Register. The DSA said in a letter I had ..."12 months from the date your name was removed from the ADI register on 30th Oct2015 to re-register without taking the driving instructor qualifying exams..." So in late Oct 2016 a few days before the 12 months was co
  25. Hey all Looking for a bit of advice please. I bought a pre-owned Samsung galaxy tab 3 from GAME earlier this month (still have the box, receipt etc). After having no problems with it, the last few days it has started restarting itself randomly - this could happen after a few minutes of use or even after an hour. When it does restart itself, it turns itself off and cant be turned back on for 5mins or so. Anyway, to me it appears faulty and took it back to my local GAME store today but was told that as its an intermittent problem, I need to take it home and then video it when it ha
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