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Found 5 results

  1. I just got a letter from Metropolitan Collection Services of Coventry. They're pursuing an overdraft I had with HSBC. Last activity on the account was I think December 2010. Shortly after they withdrew the overdraft cos I wasn't paying into the account regularly. The debt is now in the region of £1250. I'm on benefits here and I can't afford to pay this of in a way they'd find satisfying. They have also floated the possibility of taking me to court in 'the country where you live.' Anyone got any advice on how I might call off the dogs?
  2. I submitted a MCOL to recover my deposit from a Used Car Dealer who refused to refund it, after I found out they lied to me about numerous things regarding the vehicle's condition. My particulars essentially state that when paying the deposit to the dealer prior to the car purchase, the verbal agreement was on the basis that: 1) They did not lie about the car. 2) The car would pass a vehicle inspection. I since found out that they breached (1) and hence the agreement. Before even filing the claim, the dealer actually offered to give me half of my deposit back to begin with, which I happily accepted. A few hours later that same day, they called me to say they changed their mind i.e. deciding to keep the whole deposit, because they now felt that my decision to cancel the car purchase was a "change of heart" decision, furthermore they spent my deposit money preparing the car for me (even though the salesman told me the car was ready to drive away the day I came to see it). When I challenged them to provide me proof of their expenditure, they outright admitted it was "done by a friend" they didn't have any receipts/invoices. It was at this point when I decided to submit a claim via MCOL as they made their position clear and that their decision was final. About a week after they were served, they called me up and we agreed for them to pay me 2/3 of my deposit back, as long as I cancelled the claim first. There was no way I would trust them after going back on their word last time, I said that I will only cancel the claim after the payment has cleared, I also asked them to provide their agreement in writing, which they did. We came to written agreement, and they said they were able to pay me the same day. I monitored my online account, waiting for this to happen, poised to cancel the claim as soon as I saw the money appear. The money never arrived, despite numerous chasers and calls, they kept making promises to pay "later today"/tomorrow, then afterwards kept made excuses for not paying. Yesterday I gave them the final deadline: Pay the agreed amount that day and/or call me to confirm it has happened, or the agreement is off and I will proceed with the claim. They acknowledged my position (I also have a recording of this phone conversation) and promised to call me back by the end of the day regardless of the outcome. Once again, no call nor payment was received. From my perspective it felt that they were just messing me about, and I was out of patience. It just so happened that the defendant had until yesterday to reply to the claim issue, according to the letter the court sent me. I waited until this morning, and submitted a request for Judgement. Upon checking later in the day I noticed that the defendant filed a defence shortly afterwards (the same day!), despite their deadline being yesterday. In the MCOL transaction history it says: In the Judgement panel it says "Requested", and the Claim Status now shows as "Defence". Surely they were too late? I spoke with the defendant a short while afterwards, they made more excuses, and gave me "his word" that they were still happy to pay the 2/3 of my deposit back, assuming I can get the claim cancelled with the court. I'm going to call the MCOL helpline tomorrow, I'm just wondering: Where do I stand? A bar is in place for this claim, despite them filing a defence too late according to the deadline. They are still offering to pay back 2/3 of my deposit.. . does this count as admission to some degree? In the event that they are still just wasting my time with this "offer", is there a chance that the bar will be lifted and their defence be discarded? Does the fact that they filed a defence mean it is now out of both mine and the defendant's hands? Any help/advice would be much appreciated. H
  3. Hi Recently I bought some food from Asda and realized they sold me expired crisps, Yes one can say that I should have checked expiry date on the product before buying it, I generally do that for milk/meat etc but dont check it for every item I buy. Around 1 year back they sold me expired milk as well, I did go back and filed a complaint at Asda but nothing really happened, One of manager there even said that few days dont make much difference. Any ways, shall I file a complaint somewhere, is it worth it or just ignore them. Regds Shikha
  4. Hi all, I was wondering if anyone has any advice. Basically I live in an area where its residential parking 24/7 365 days a year. Normally the council send me reminder a month or so before it expires and I cough up £50 and get to park anywhere within 1/4 a mile of my house (but never in front ). On Friday morning I went to get in my car and found I'd been given a PCN for being "parked in a residents or shared use parking place or zone displaying an invalid permit, an invalid voucher or an invalid pay and display ticket". I double checked my permit and it had run out at the end of Feb and I hadn’t realised, to be honest I can’t believe I've not been given a ticket in the last 17 days as the wardens are around every day. So I've now got a £50 (reduced to £25 if paid in 14 days) fine. Now here comes the interesting bit, I'm actually moving out at the end of March, to a house with a drive way . So I can either:- pay £25 for the fine and park in a free bay for 2 weeks, pay £50 for a permit, appeal and hope they left me off and then claim back £46 for the unused 11 months, or is there an alternative? Is it worth appealing on compassionate grounds stating I'd not received the reminder (which I haven’t yet?) I look forward to your replies. Thanks ale
  5. Can anyone help me with a problem I'm having with Virgin and the poor service I've received from them? I read lillboy's previous thread about them in the hunt for information and my situation is similar but there's a difference which I think may be important. I did not purchase the vouchers from Virgin, I bought them in CostCo in September 2009 (just under 18 months ago). I think this is important as I did not agree to any terms and conditions as you would be subjected to if you bought them from their site? As I have come to find out by myself and other upset customers, booking a flight is difficult at best, and is troublesome for us as we also have to arrange childcare for our son and arrange time off work, etc. Every time I tried to book a flight there were no slots available or available slots were at inconvenient times for us. Since I bought the tickets we have got engaged and will be married in May this year. I thought it would be a great idea to try to use the vouchers while we are on our honeymoon which we are taking in the UK. This is where my troubles begin... As I understood it when I bought the tickets they were valid for 18 months from the date of purchase (as opposed to 12 months for the vouchers purchased on the site) and this was confirmed to me by a guy I spoke to at their call centre. However there is an expiry date printed on the ticket which I did not notice which says the 1st of February 2011. I questioned how they could justify an expiry date on a service which is still running and he told me it was so they could keep track of how busy they are likely to be. I asked him about the 18 month validity period further and he advised me to write to the customer services manager, which I did by email. I received a reply stating there was nothing she could do and if I wanted to I could take them up on their 'generous offer' of buying two more tickets at a fantastic discounted rate of £80 each. Given that I didn't specifically accept their terms and conditions and I am still within 18 months of purchase, do I have a leg to stand on, or have I wasted the best part of £250? Thanks in advance for any advice!
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