Jump to content

Search the Community

Showing results for tags '2015'.



More search options

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Campaign
    • Helpful Organisations
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV and Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - you need to register to access the CAG library
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
  • Work, Social and Community
  • Debt problems - including homes/ mortgages, PayDay Loans
  • Motoring
  • Legal Forums
  • Latest Consumer News

Blogs

  • A Say in the Life of .....
  • Debt Diaries

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


About Me


Quit Date

Between and

Cigarettes Per Day


Cost Per Day


Location

Found 78 results

  1. This is a long story but I'll try and keep it brief and you can ask questions as needed. In November 2015 I purchased an ASUS gaming laptop from an Amazon Marketplace Seller. The product was brand new but was shipped to me from the US. The company however were slightly misleading by having UK in their name. The laptop developed faults within days of arrival and I asked to send it back for a replacement. The company were only interested in doing a repair on the machine and insisted on remote troubleshooting first. I worked in IT Management for 5 years and had serious problems trying to explain that the fault with the laptop was a Network Card issue so any remote troubleshooting would fail. It's second problem was keys falling off the keyboard. No amount of remote support will fix that in any way shape or form! Fast forward and I sent the laptop off to be repaired as I gave up trying to fight a replacement because the company were not interested. This is the first problem I had. The seller refused point blank to pay the return shipping charges despite amazons policy being extremely clear that the seller was responsible. The seller wanted me to pay 99$ to them for the label. In hindsight I should've have done this but claimed a chargeback immediately for breach of Consumer Rights Act. Instead I choose to pay DHL around £100 to send it back to their repair center. The laptop was packaged in its original packaging, wrapped in bubblewrap before being sent to them and then the external box being wrapped in more bubble wrap, brown paper and all over that with brown parcel tape. The laptop was temporarily seized by customs because DHL did not attach the correct paperwork. This was resolved within 48 hours and the laptop sent on its way. While the laptop was within DHL's care, they somehow (no idea how...) damaged it and it arrived with 2 massive dents in the side of the screen panel. I was advised by the seller the state in which it arrived and being proactive asked for a quote to repair the damage on 16/10/2016. DHL Insurance then contacted me on the 19/10/2016 to request a quote to have the laptop repaired. The seller then wrote to me on 20/10/2016 asking how I wanted to proceed. They had not issued me a quote. I replied around 1 hour later the same day (20/10/2016) asking for the repair quote. I heard nothing. I contacted again on 31/10/2016 & 02/11/2016 and nothing still. Not a sausage! I then frustrated wrote to Amazon and asked them to intervene. 3 agents (have this in writing) said I would be refunded. Amazon then said that I would no longer be receiving a refund and would need to resolve the matter with the seller directly. I can understand 1 person making a mistake... But I was promised a refund by 3 people and thought the matter was coming to a close... I then made a complaint with The Better Business Bureau in the US to try and poke the seller. My complaint was sent on to the seller. I also requested a refund on the delivery charge on 05/10/2016 and that email has not even been acknowledged. All of these emails took place on the sellers ticket support desk so I know for a fact they have received these communications. Bottom line of this is I want the laptop refunded or replaced, also to receive my delivery charge of £100 back as the seller has clearly flouted Amazon's policy. Then amazon tell me their policy say my claim deadline has expired... How ironic... So the seller can ignore but not the buyer... Amazon said I could do a credit card charge back, however my Father paid for the order with his credit card as the order was coming from the US and my credit card limit wasn't high enough to pay for the order. However he is very very reluctant to pursue a Section 75 Claim against the credit card company... So I really don't think that is an option. Can anyone advise what I can do here please? I'm thinking pursue Amazon in small claims court as they have a responsibility for the sale and cannot enforce their own faulty goods return policy. I have photo evidence that the laptop was indeed faulty (keys not attached to the keyboard) I also cannot proceed with the claim with DHL because they need a quote for the repair which I am unable to give them... So any help would be received with gracious thanks
  2. Hi. Right Kind of upsets, but here we go. I WAS self employed. Had an accountant, etc. I gave this up in March 2015. I told my accountant, etc., and they said they'd deal with it. I then took up full time employment with a company. HMRC sent me a letter to my name saying I owed them for tax and a late filing of returns. The bill was £1654.72. I agreed, and for the last four years or so, I'm been paying it through my PAYE. In about February this year, they said it was paid off, and my codes, etc., returned to normal. Today, an enforcement officer arrived, demanding £9,198.66, plus saying he was going to lump on £1735 more on if I didn't pay. An additional factor is that from March 2013-April 2018 I was in an IVA, which I paid every payment to, and was discharged in April of this year. Don't know if it's relevant or not... Now, as far as I can tell, the following has happened... My accountant didn't do the right paperwork in 2015. The HMRC have been sending "demands" or whatever you call it, to the wrong name and address. They admit I've paid (On average) £1700 per year to this debt for the last four years They don't care, they want money now... They don't care about the IVA, although they were invited to the meeting at the beginning. There is a clear discrepancy between my name and the one they're using for the enforcement. Any advice?
  3. The new bailiff regulations came into effect on 6th April 2014 and a most welcome change was that with the exception of CCJ's £600 that are transferred to the High Court each debt type (council tax arrears, unpaid road traffic debts and magistrate court fines) now has fixed bailiff fees (Compliance Fee of £75 and Enforcement Fee of £235). To bring the enforcement of unpaid magistrate court fines into line with the new regulations it was necessary to amend the Magistrate Courts Act 1980 and this was achieved under a series of amendments outlined in paragraph 45 of Schedule 13 of the Tribunals, Courts & Enforcement Act 2007. On the same date (6th April 2014) the Magistrate's Courts Rules 1981 were also amended to provide that the person owing the court fine would in future be referred to as a 'debtor'. Part 52 of the Criminal Procedure Rules (Enforcement of fines and others order for payment) outlines the procedure that must be followed when a warrant of control (previously a warrant of distress) is enforced by a bailiff/enforcement agent. As a consequence of Part 3 of the Tribunals, Courts and Enforcement Act 2007, and the associated Taking Control of Goods Regulations 2013 and the Taking Control of Goods (Fees) Regulations 2014 coming into effect on 6th April 2014 the Criminal Procedure Rules Committee has brought the rules up to date. The changes are outlined in the new Criminal Procedure (Amendment) Rules 2015 which were laid in Parliament a few days ago.
  4. I purchased a phone case from the company Spigen through their eBay store on 6 November 2017. Over a month ago, I discovered there were cracks on the back of the case. Neither the phone or case have had any form of impact since purchase. I contacted Spigen and asked if they are able to help. They refused because I was outside of their three-month warranty, and offered me a 'slight discount' from any new purchase. I explained that I am covered under the Consumer Rights Act 2015, but they continued to reiterate that they cannot help. The company has also refused to use an ADR scheme. They also said that when I purchase an item with them, I automatically agree to their terms and conditions which entails THEIR returns/refunds process. What are my options????
  5. Hi Guys Im new to this I received a court notice from mortimer clarke on behalf of cabot in 2015 regards a cc I filed my defence and sent them the requet for proof of my cca which they did not send me the court stayed the claim and now 2 years later they have appealed to remove the stay with the court ive just received court papers sending the claim to small claims track and mortimer clarke has asked the court to complete this without a hearing any help would be much appreciated
  6. Hi we bought a 4500 corner sofa and 2 seater in March 2017, in Jun 2017 developed spotting, long story but they sent out a furniture specialist who did a report and indicated Manufacturing defect! We confirmed to Harveys that we would like a replacement or refund and the problem was there within 6 months, they stated they will send out a repair company for cosmetic repairs - we rejected this based on the " cosmetic repairs" which may not be permanent, they can not guarantee a permanent repair and they have confirmed there is a manufacturing defect. We have written to them rejecting the Sofa and asking for a refund and also a replacement from another brand of sofa manufacturer, they have not responded, the suite has been bought under a Consumer Credit Act agreement which is interest free, please can we be advised what action we can now take under both the CCA 1974 and under the Consumer goods Act 2015. Thank you
  7. I bought a £500 graphics card from CCL 15 months ago, it broke, CCL said it has 3 year warranty, but after 12 months you return it to Gigabyte directly. I created an RMA with Gigabyte, they gave 3 options, Pay £15 for a company to deal with the return (at the time I thought this was just to collect the card from me and return it to Gigabyte, as I assumed Gigabyte would pay for the return), Send the card yourself or deliver it in person. I chose option to send it myself as I thought £15 was a lot for a 1 way delivery. I posted the card at the post office, £15.26, grrrr, hindsight! I got an email from Gigabyte telling me the card is repaired, I should arrange collection and let them know the details. At this point I thought, hang on a minute, you want me to pay for return!!! So I sent this email. They replied with this. So, where do I stand now? Who is liable for the return costs? CCL or Gigabyte?
  8. Hi All, On 4-Aug-2017 I test drove VW EOS 2.0 FSI(2006) convertible which has done 67500 from a car dealer in Birmingham. Paid the deposit of 300£ to confirm the same day. Asked him to fix minor things like Covering cigarette holes from seats at a couple of location, changing wheel caps, under bonnet insulation and full valet. Dealer verbally agreed to get this fixed and said he will get the 12 months MOT done as advertised on Autotrader within a couple of days and asked me to transfer remaining amount 3450£ asap. On 5-Aug-2017 I transferred the remaining amount 3450£ (Total = 3750£) on 11-Aug-2017 I got the car from the dealer with the receipt (Offical date of owning the car) saying he couldn't get hold of valet guys so will get it done when I visit him next time. he didn't do anything except MOT (10-Aug-2017). As I was eager to drive the convertible, I accepted foolishly. While driving back home to Coventry, I realised the left wing mirror is loose and cannot be operated properly via driver side button. Called dealer on 12-Aug-2017 and mentioned about the issue. Dealer said he will look into it and asked me to bring the car the following week. Having doubts over the car, I properly checked the car only to find big single line crack on the windshield at the bottom edge. This was covered by wiper blades. Wiper washer pressure was too low. Blamed myself for not looking carefully before buying. Also found out the roof was leaking. Texted the dealer about this issues on 14-Aug-2017. Took the car to the dealer on 16-Aug-2017 (As he was only available on that day) and asked him to fix the issues. 23-Aug-2017 the dealer gave the car back saying he fixed some issues like Wiper washer pressure, insulator, valet (half), roof leak (still persists), attempt to fix seat holes. But did not repair wing mirror or windshield. As I thought I didn't hold any right to reject on wear and tear parts accepted 125£ cheque towards fixing the wing mirror and windshield myself as travelling back and forth and leaving the car for weeks time was tiring. My doubts regarding the condition of the car grew as no reputed dealer would do this took the car to local VW specialist garage for inspection on 25-Aug-2017. Got the report that CV Gators split and Console (wishbone) bushes separated (replacement cost 360£) and they mentioned that MOT shouldn't have passed as bushes don't get separated within 100 miles drive. Mentioned the same to the dealer who replied back saying MOT had passed and it might have broken any time afterwards and I am expecting a brand new car performance from a 11-year-old car and should accept this as wear and tears. But at the end said he will have a look if I get the car to his shop. Next day driver side door card came off. Looked like it was glued before. Booked a 15 point safety check from Halfords on 3-Sept-2017 as it was free. They reported CV Gaitor starting to split, front coil spring broken and rear disc badly corded and worn close to legal limits. Had enough and sent a rejecting letter to the dealer along with the reports on 4-Sep-2017 asked him to fully refund as I was within 30 days and as per consumer rights act, the car is faulty. Today 6-Sep-2017 got a call from the dealer saying he will fix CV gaitor, Console bushes and spring but won't repair anything else and there is no way he is going to take the car back. Asked me why Halford reports didn't pick up Console bushes problem and local garage report did not pick coil spring issues. I shot him back saying I am ready to get a full AA inspection done as he is AA approved dealer. Also, he mildly threatened saying he pays solicitor 1000s of pounds every month for this business and more than welcome to take the matter to court. I have had this car for less than 20 days now and it been driven for 250 miles of which 120 miles just going back and forth to car dealers place in Birmingham. Should I accept the fixes offered by the dealer and move on or should I take him to the court and get a full refund? Your thoughts are much appreciated. Regards, Mike
  9. I bought 6 hard disks just over 2 years ago, 2 have failed just after the warranty, using the consumer rights act 2015 would I have a valid case for getting replaced or repaired? Is 2 years really an appropriate life expectancy for a HD?
  10. If you purchase an item and you have issues with it within the first 14 days and opt for a repair and then the same item breaks down again with the identical faults 4 months later are you as the consumer entitled to request a full refund as it has already had a repair for same faults? Which.co.uk seems to confirm that a full refund should be forthcoming. If yes, can someone point me to the actual legislation? Thanks.
  11. Hi all, Ordered and had delivered on the 22nd of March 2015 - a brand new shiny bread maker - from Amazon - £70 (special offer). It's malfunctioning - getting worse with time - and since all user errors have been ruled out - I ask for guidance from forum members. Manufacturer warranty was only 12 months - so that would have been March 2016 - but I hear something about E.U rules stating 2 years for retail items? Have I understood correctly? Is there anyway to have these manufacturing defects remedied? If yes - what are the steps I should take - with whom and in what order? I am very grateful to any that choose to contribute and to guide me in resolving this headache! Libertas.
  12. Avoid parcel2go Ltd terrible company, paid for next day delivery service, took 20 days to delivery. If you try and leave a review on Trust Pilot they report it, even though I have proof. Having to take legal action against them now, already gone to my bank to start chargeback, and starting court case http://www.moneyclaim.gov.uk If anyone else is having same problem, and interested in class action, please let me know.
  13. CAG Newsletter - October 2010 01 -October 2010 Newsletter.pdf CAG Newsletter - November 2010 02 - November 2010 Newsletter.pdf CAG Newsletter - December 2010 03 - December 2010 Newsletter.pdf
  14. 1. Date of infringement: 11/06/2016 2. Date of NTK: never received due to change of address 3. Final reminder received 10/08/2016 (first letter seen), BW Legal letter combined with Excel parking passed to BW Legal letter: 26th September. 4. No mention of Schedule 4 of the Protections of Freedoms Act 2012. 5. No photographic evidence given by Excel. 6. Excel Parking Services Ltd. now instructed BW Legal 7. My sister parked my car at Peel Centre, Stockport on a stormy/rainy day, not seeing the signs or any ticket machines with her hood up. She made purchases at H&M and left. 8. Excel is a member of the IPC 9. Letters received include a 'Final Reminder Notice' on 10/08/2016. Next letter received in the same envelope 'your account has been passed to our legal team' saying the outstanding balance is £154. Other letter - BWLegal have been instructed by Excel in relation to the Balance Due for the PCN. After not receiving any initial correspondance due to a change of address and upon moving house post has been delayed and lost frequently, I have not responded to any of these letters. I have now received this letter from Excel and BW Legal combined. Letters are still going to old address but currently on mail redirect so receiving them later than normal. Not sure what to do next, I've read on multiple sites to ignore, appeal or pay up. Any help would be great.
  15. Hi all, I bought an exercise bike last April online from Amazon using a 3rd party seller. The braking system has developed a fault which means now the bike is useless as pressure can no longer be applied to the spinning wheel using the friction pad. I have unscrewed the braking system today, it is an extremely simple mechanism using a bolt and a nut and a couple of springs. I have discovered that the nut that screws onto the bolt which you turn to control the tension is slipping which means that no pressure can be put upon the brake pad. Here is a vid I have made today showing the nut slipping along the bolt which clearly shouldn't be the case:- sendvid.com/d459adnc And a pic showing the nut and bolt:- I am currently awaiting reply from the comapany after sending them the video this morning. So the question is am I protected by any consumer law? as I believe this to be a manufacturing defect as in my eyes a metal nut and bolt should not become loose like that in such a short amount of time with. Thanks
  16. Hi I'm posting this on behalf of my Mum who purchased her car in November 2015. She bought a ford C Max 55 plate for £2795 which came with a 3 month warranty. She's barely driven the car only having covered 500 miles since, but the car is starting to have quite a few serious faults, mainly with the ignition and some warning system regarding acceleration. None of it sounds very good and the AA have had to come out a couple of times to get her started. She's booked it in to the garage she originally got it from to be repaired and was wondering if the dealer is responsible to pay for repairs under the Consumer rights Act as there appears to have been new laws made from October 2015? I found the following on the Which website and hope someone can confirm it to be correct...... First six months - if you take the vehicle back within six months of purchase, the dealer should accept there was a problem when the vehicle was sold and offer a partial refund or to repair or replace it. If the dealer doesn't accept there was a problem when the vehicle was sold, they'll have to prove this. Any advice appreciated as I'm really pee'd off for her as she bought this car in the real need of having something reliable as she's on her own and quite disabled. Thanks for any advice Lisa
  17. The UK's biggest payday lender - Wonga - saw its losses double last year as tougher regulation in the industry continued to bite. The short-term lender saw pre-tax losses grow from £38.1m in 2014 to £80.2m last year. It has overhauled the way it assesses applications for credit, and extended the repayment term for some loans. However, it suggested 2016 would be a "turning point" in its financial performance. The company, along with other payday lenders, faces tougher rules from the regulator, the Financial Conduct Authority (FCA), which has ruled that customers must go through stricter affordability checks. The regulator's main weapon is a cap on the cost of payday loans of 0.8% of the amount borrowed per day, which came into force in January 2015. http://www.bbc.co.uk/news/business-36201486
  18. Caroline Lucas created BASIC INCOME EDM 974. Jonathan Reynolds similarly supports basic income. John McDonnell said Labour are considering basic income. Basic income trials are set to take place in Canada, Finland, and Holland. The time is ripe for UK Parliament to debate EDM 974 BASIC INCOME. That this House notes the growing crisis of low pay and precarity in a labour market increasingly characterised by casualised forms of employment that offer little in the way of pay, predictable hours or long-term security; further notes the evident inability of our bureaucratically costly social security system, with its dependence on means-testing and often arbitrary sanctions, to provide an adequate income floor; believes that a Basic Income, an unconditional, non-withdrawable income paid to everyone, has the potential to offer genuine social security to all while boosting entrepreneurialism and the creation of small businesses; Much more on the link. https://petition.parliament.uk/petitions/128234 And of course a thread open for those that perhaps do not know to much about Basic Income. Worth a read,in my view. Basic Income Guarantee-Do You Like The Idea-Any Views-Have Your Say. http://www.consumeractiongroup.co.uk/forum/showthread.php?461005-Basic-Income-Guarantee-Do-You-Like-The-Idea-Any-Views-Have-Your-Say.
  19. Hi, I was hoping someone could help me. Basically in April I bought a used car from a trader. The car broke down pretty much straight away and now wont start up at all. I had spoken to consumer direct who told me to write to the trader and tell them as I have had the car under 30 days I am rejecting the car and seeking a refund because the car was not fit for purpose and was not as described (the trader when I bought it said the car was perfectly ok with nothing wrong with it, it infact had a serious fault). The Trader who sold me it as a result of my letter has came around to my house today shouting and swearing and being abusive. He offered me a lesser car than the one I bought from him, valued at the same price on his website. But he was wanting me to pay him £300 more for it. And it would be classed as a private sale not trade so no comebacks if anything is wrong with this other car. Obviously I rejected this offer. He has told me to take him to small claims and all he will do is leave the country and so I won't get the car or the money, or if I do it will not be until a year has passed as he wont be in the UK for many months so I will be out of the car and no money for all this time that he deliberately messes me and the court about to drag this out as long as he can (I know this is an empty threat as the courts wont allow this to go on). But anyway. I am now in the situation I need to draft up my particulars of claim for a consumer rights 2015 claim on the basis that the car was both not fit for purpose. And not as described. I have looked over the Consumer Rights Act and I am not sure which sections of the Consumer Rights Act apply to used car purchases under the above two scenarios. Can anyone help and advise which sections of the consumer rights act I would bring my claim under. i.e section 22(4) or something like this. Thank you in advance.
  20. Hello. I have a Santander 123 account and have been paid interest, less tax, on it over the last tax year. I was surprised last week when all the tax I'd paid on the interest was returned to my account. Has anybody else on the forum received the tax back and does anybody here know why? Thanks
  21. Seller Refused Mediation Issue I purchased a used quad bike from ** A MAN WORKING FOR HIMSELF ESTABLISHED AS A COMPNY ** 7h May I paid the deposit of £2050 (£2000 off quad and £50 fees) on my credit card to **THE MANS COMPANY **, I attended **THE COMPANY ADDRESS WHICH IS ALSO HIS HOME ADDRESS** 11th may with remainder of cost in cash £2000 I was not given a receipt at the time of purchase I was issued a receipt later on after several requests The Quad bike became faulty 2nd June when I contacted the seller, he told me the sale was between myself and the last registered owner of the quad bike as shown on the V5 and was not a sale by him or his company. I have never seen or spoken to anyone else about this transaction, other than ** THE MAN WORKING FOR HIMSELF ESTABLISHED AS A COMPANY ** he is the man / company I gave all my money to and it was his business / home where I collected the quad from, there was only 3 people visible in his yard (myself, THE MAN and a friend of mine who had traveled with me to collect the quad) **THE MAN WORKING FOR HIMSELF ESTABLISHED AS A COMPANY** was inspecting the quad as I arrived to collect it,the inspection was being carried out in the workshop he has established as his business within his personal dwelling At the point of collection I was told he found a few small issues (parts that needed replacing) to which his company provided me with replacement parts (I don't recall paperwork but certainly the packaging tape from him established business was used The quad bike was sold to me as a used machine, the quad was 2.5 year old with 5k ish on the clocks, I was informed the quad had a manufactured rebuilt engine recently, I was told the quad was in good condition Repairs carried out so far Repairs carried out so far Part’s supplied by seller Replacement hand/foot brake cable Stater motor Voltage regulator Part’s purchased by myself 3 Set’s Of brake pads (needed on the day of collection but wasn’t mentioned I paid for these parts) Part’s I have replaced but will accept as fair use and wear on second hand quad Water pump gasket CVT Belt after 2nd June the quad was sent to a dealer for repairs, Various repairs have currently been carried out costing a total of £1355.96, I have secured £718.92 for repairs via section 75 via credit card company leaving a shortfall **THE MAN WORKING FOR HIMSELF ESTABLISHED AS A COMPANY** after the issues had been brought to his attention gave my personal mobile number to the previous registered keeper who he states was the seller of the quad, although all payment's were made to THE COMPANY Total Looking To recover £30.00 Mediation Fee's £100.00 Labour To fit faulty parts supplied by seller £637.04 Shortfall difference on repair bill £45.00 Brake pads £45.00 Labour for Brake pads £90.00 0181-314000 Gear Motor £40.00 Labour To Fit Gear Motor £200.00 Gesture Of Goodwill (misuse of my personal data) Total £ 1187.04 **THE MAN WORKING FOR HIMSELF ESTABLISHED AS A COMPANY** stated to MEDIATION COMPANY that the sale was between myself and the last registered keeper, THE MAN offered details of a third party PREVIOUS REGISTERED KEEPER and suggested talking to a finance company aswell ? I am trying to establish if the sale was legally between myself and **THE MAN WORKING FOR HIMSELF ESTABLISHED AS A COMPANY** I need to know which court's I apply to England (where I live) or Scotland (where seller live's) I need to know would the judge allow the cost's of mediation I need to know would the judge allow the gesture of goodwill for misuse of my personal details I need to know would the fact I have received a section 75 claim for part of the repair effect the outcome ? I am not applying for the money the S75 covered just the shortfall which cam after THE COMPANY refused to communicate with me, prior to requesting mediation I was given details for THE COMPANY solicitor, they have ignored all letter's sent to them via recorded post, is this acceptable ? Sorry for the longer post, I hope that everything can be seen clearly, I just need to find which court I should apply to I have done everything I can to try and resolve the matter
  22. This new bill seems to have escaped debate on any of the forums. It was introduced last month in the Commons under the ten minute rule and is due for second reading on the 11th March http://services.parliament.uk/bills/2015-16/regulationofenforcementagentscollectionofcounciltaxarrears.html http://www.publications.parliament.uk/pa/cm201516/cmhansrd/cm151028/debtext/151028-0001.htm#15102833000002 Yvonne Fovargue (Makerfield) (Lab): I beg to move, That leave be given to bring in a Bill to make provision about the use of bailiffs and other enforcement agents by local authorities to collect council tax arrears; to establish a code of practice for enforcement agents; to create an independent bailiffs ombudsman to administer the code and to investigate and adjudicate complaints; and for connected purposes. This Bill deals with two interrelated problems which, taken together, are pushing too many people into a debt trap by forcing them to borrow more to pay council tax arrears and unaffordable bailiff fees. The first problem is that local councils are too ready to call in the bailiffs when people fall into arrears on their council tax bill. This is despite guidance that is meant to encourage local authorities to look towards establishing affordable repayment plans in such situations and thus avoid the bailiffs. The Bill gives people a stronger right to challenge councils to offer an affordable repayment option before instructing the bailiffs.
  23. Hi all, This is my first post on the consumer forum. The error that Vodafone is continuously failing to correct causes me great distress and badly affects my health. I have tried to sort this issue personally through Vodafone Customer Service making endless phone calls but it got nowhere. I was going to take the mortgage in March but Vodafone INCORRECTLY has placed a Default Account on my Credit Rating which prevents me from getting a mortgage. I have written formal complaint to Vodafone Customer Service that was posted to them on 14/10/2015 but the letter was never acknowledged and I have never received a response from Vodafone. To cut the long story short: I had Vodafone account opened in September 2013. I have systematically paid monthly payments of £39.50 up until December 2014 (shown on my bank statements). I then accidentally stopped the Direct Debit to Vodafone and I had accumulated some unpaid months to them. I have paid all those unpaid months on 29.05.2015 plus all the future monthly payments up until September 2015 (I had minimum 2 years contract) in one payment of £380.40. The reason I paid all the future payments on that day is because I asked the Vodafone Customer Service to close my account during the same phone call on the 29.05.2015. 1. Vodafone has failed to acknowledge internally in their automated system my payment to them on 29.05.2015 of £380.40 2. Due to Vodafone failing to acknowledge my payment they employed the Debt Collection Agency to retrieve the payment from me and more importantly they incorrectly put a default account on my Credit File in August 2015. I'm in the process of applying for the mortgage and imagine what impact this incorrect Vodafone default account has on my chances of being approved. 3. After the Debt Agency started to chase me for the payment I have brought a proof of the missing payment to the Vodafone store first in August 2015 and then I was asked to do that again in September 2015 and the store manager made a note on my Vodafone account about witnessing the payment. I then had spoken straight away to Vodafone customer service on the phone and they said that they will be processing a Missing Payment Form and once done the information of payment clearance will be passed on to the Debt Agency and my Credit File will be cleared. I note that this was done in September 2015. 4. After giving 7 working days (in September 2015) for the Missing Payment Form being processed I have spoken to Debt Collection agency and they said that they still haven't received any instructions from Vodafone to close the issue. I have spoken to Vodafone Customer Service again and they again confirmed that they have submitted Missing Payment Form. I have spoken to the Debt Collection agency a week later and they said the issue has been put on hold for further clarification. I think they realised that I don't owe the money to Vodafone because I've sent to them the copy of my bank statement but they were not receiving instructions from Vodafone to close the issue of this debt. 5. I now checked my Credit File for the first time on 23.02.2016 as I'm just about to apply for the mortgage and it still shows Default Vodafone Account! Bearing in mind that Vodafone confirmed processing Missing Payment Form back in September 2015 they had 4 months to clear my Credit File from the default account, however, this still hasn't been done. 6. I have called to Vodafone again yesterday (23.02.2016) about the issue. Vodafone Customer Service yet again acknowledged over the phone the note from Vodafone store manager on my file made in September 2015 about witnessing the evidence of payment. They said that they had submitted the Missing Payment Form AGAIN and he said it will take 3 (three) months! to clear my Credit File from default. But I was reassured previously by Vodafone Customer Service that the Missing Payment Form on that payment was processed back in September 2015 and they had 4 months since then to clear the Credit File but this hasn't been done! (I mentioned this to Customer Service). How can I allow another 3 months of empty promises to find out in May 2016 that nothing has been done. I have read on the Internet an Experian expert saying that changes to the Credit File can be done overnight. The house prices are rising every month and I have been waiting since September 2015 for Vodafone to clear my Credit File from the default account that they had put in their error. I have no idea what to do anymore and who to speak to about resolving the issue and clearing my Credit File from the wrong default. Vodafone is promising to clear the error since September 2015. Since September 2015 they endlessly saying to me that the Missing Payment Form has been submitted and that I should wait for the Credit File to be cleared of the default. I'm worried that Vodafone will incorrectly make changes to the Credit File simply by showing that I have paid the default money. But I need the fact of default removed from my Credit File because all of the due payments were made by me in May 2015. The default was put incorrectly in August 2015 when I in fact didn't owe any money to Vodafone by then. I'm also worried that Vodafone will reactivate my account once they acknowledge the missing payment when in fact I have asked to close my account in May 2015 and paid all the due payments then. I've asked the Vodafone Customer Service many times to send me the letter confirming that my account has been closed in May 2015 but they have never sent it to me. Any advice on how to resolve the issue with removing the Default Account History from my Credit File and getting the Vodafone to confirm that my account has been closed in May 2015 would be greatly appreciated. Kind regards, Natalya
  24. im posting this on behalf of my sister inlaw . she and i have both tried talking to hmrc what a nasty we dont care attitude they have . she recently (few weeks ago )saw a £24.80 per week drop in tax credits , phoned them and they said wait for a letter to arrive and then phone the number onit and they will explain . letter comes and low and behold ,same number idiots. any she rand them yesterday and they are calculating that by 05/04/2016 her earning will be £10700 £6.79 ph on a constant 30 hour week . her last wage slip dated 28/02/2016 states her total earnings to be £8002.54 to that date for the year . so out came the calculator and a rough estimate to the date they gave 05/04/2016 adds upto £9198.54 total earnings for the year . so how can they start taking an over payment for 05/04/2015 to 05/04/2016 of over £700 ? they said they base it on earning from previous years of 2013 to 2014 . the system sucks . so now she is £24.80 worse off a week. reducing her tax credits to £44.64 per week until 10/06/2016. she is a single parent who works ,pays full council rent ,gets no discount,full council tax -25% single person discount and has a 13year old child . some how i couldnt get it throiugh to the lady that how can you take an overpayment that hasn't actually occured yet ? based on the fact that in 2013-2014 she use to work 40 hrs per week . is there some way to appeal against this ? as she struggles as it is now . i see her point , whats the use in working if single parents etc are better off on benefits . go to work get punished . is there any help she can get either in tax credits ,appealing againt housing costs to offset an overpayment that has not happened yet .
  25. Hi all, Been a while and I find myself on here hoping to get some advice I bought a nearly new Audi from a main dealership last month (15th) on finance (VWFS) I literally drove it from the dealership to the house and that was it until the next day where it "seemed" fine. The day after, I found myself having to email/book in the car for a number of rattles/squeaks - one of which was fairly obvious, another not so but loud enough to record it on the phone. It got seen to the following week and came back with the main noise fixed - the other could not be replicated. Soon as I left, the other one came back along with a few more such as suspension noise/squelch on their ramps etc. Turned back but it was shut so another email went over. I then called, no reply to both. I got busy but last week finally email again to find the service guy had left the company. I therefore sent an email to the sales guy + his manager outlining some 10 issues with the car - mainly rattles/squeaks This got sent to the service manager who in fairness has been very polite and has booked it in for this week. In the mean time, I have been just looking at the what if scenario - ie: if it comes back with similar/same/more faults. So what I proposed is to return the car, and I purchase another from their group that is around 4k more. Hopefully get some dealer contribution in, and I top it up with more deposit money to keep payments the same. This was rejected and was told that they could only buy the car back which would be around 8k less than the one I proposed to buy. So I guess my question is: 1. Do I let them fix and cross my fingers 2. Is there any way to use the Consumer Rights Act 2015 despite it now being past the 30 days (but initial issues reported within the 30 days) While most faults are not detrimental, I just feel the car might have been potentially abused in their possession as a ex-demo car and while I have 3 years warranty ... this could end up being in the dealership more than with me. Appreciate your thoughts
×
×
  • Create New...