Hi i bought a very expensive watch from an online retailer couple of months ago and paid for it using V12 retails finance. 1 The watch was dispatched by them on the 19th of October 2018 however I received it after a failed delivery attempt on 24th October 2018. 2 After receiving the the watch I went on holiday for a few weeks and left the watch behind, I think it is at this point the watch stopped working or immediately before I came back. 3 On the 21st of November 2018 I notified the retailer that the product has become fault as its stopped working. 4 They advised me that since its outside the 30 days return period I am not entitled to a refund. 5 I argued that I took delivery of the watch on the 24th October 2018 therefore as far as I am concerned it still within my right to reject in 30 days. 6 Moving forward I lodged a S75 with V12 Finance and they started investigating once the claim was lodged I sent the Watch back to their return address to which they have not sent any confirmation but I used Special Delivery so i have proof it was signed for them 7 V12 finance advised me they have received the watch and that they have sent it to Switzerland to be inspected. And they have also confirmed that once they have inspected the watch and IF and only IF there is a manufacturing defect will they refund. 8 V12 Finance have advised that the watch has sign of wear to which I replied of course it would as I was wearing it and had intentions of keeping it. Now my point is if its the battery that failed within the 30 days will it be classed as manufacturing defect or simply not as satisfactory for a reasonable individual to expect. Also the fact that I have had bad experience with this brand I simply do not want the watch any more. What options do I have or am I stuck with this watch?

Good morning two months ago I got an e mail from scotcall saying that I owed 3 mobile £375 , I have been a customer of 3 for about ten yrs and to my knowledge I owe them nothing , I sent off my CCA request and my postal order and have not had a reply for six weeks , today I have received an e mail from scotcall Saying "in response to your request for a copy of the singed credit agreement , we have been advised by 3 they they are not available" how would I like to proceed, as I cant find a template letter in the library could someone perhaps give me a hand to word a reply, thnk,s

Well I thought so anyway

I've requested a refund for DLC (and have said there is nothing in law that requires items to be insured PLUS the FSA quote "a borrower should not be refused a loan if they choose not to buy an insurance policy" - therefore an unfair term), OSC and all Charges (which totalled just over £2200), but after sending a Letter Before Court action, giving them more time, I still haven't heard anything. So I'm preparing Court papers now. Has anyone taken Brighthouse to Court, or do they fold prior to this happening? I'm curious about my argument with DLC, do you think I could argue this effectively enough to obtain a full refund? So Court it is ... and I'm looking forward to how they will defend themselves.

hi, ive been in my home now for few months When I first moved in I did whats were ment to. called up Scottish power (my choice) to get the gas and elec sorted out in my name. Not that easy, got the gas sorted out no probs and they are my supplier. However they then state that SSE (Scottish hydro) are the ones that have the electric and wont swap over due to past debt. but ive never been with them. so I then get 2 letters both from sse. But one is addressed to a Mrs A S????. And the other is for The council. confused to say the least. especially as both bilss are the same time period but complete different amounts. call them up to inform them of this issue. and that I have moved in and want sp to take my elec. says I need to join them 1st then do a switch. ok then here is my readings for the elec. and also my details (name etc) Couple of weeks pass and in pops a new bill from sse. but not in my name nor the past 2. but a new 1 altogether. called again but have had no joy still the same. then they (sse) show up at my home unexpectedly. but im not home as I happen to work. the guy pops a letter thru the door to say they had been out. but as I wasn't in im being billed £47.50 + vat. still they use the wrong name. What can I do to resolve this and can they just show up unplanned and bill me? cheers