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  1. Hi, I purchased an induction cooker from a seller on eBay and the eBay listing said it had a 12 month warranty (purchased 13th December) you can no longer see the listing page but they delivered it to me and gave me an invoice with 12 months guarantee written on it and £240 paid (£190 for the cooker, £50 delivery). I was shown it working but they only showed me the front hobs. the first time I used it I noticed that one of the rear rings only works if you push down on it until it gets started and the other rear ring will only work while you push down hard on it (which makes it
  2. Hi all, Back in May, I ordered some fabric from an online store (Tissens) in France which never arrived - the tracking info said there was an issue with the address being incomplete. I contacted Tissens' customer support at the beginning of June and they responded saying they would investigate and asked me to confirm my delivery address. I did this and heard nothing back for a further 6 weeks. When I chased it up, they eventually responded to say the shipment had been returned to them, and that if I wanted it shipped out again I would need to pay 14.5EUR. I asked for them to c
  3. Name of the Claimant ? Lowell Portfolio I Ltd Date of issue 24 Aug 2017 What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. 1)The Defendant entered into a consumer credit Act 1974 regulated agreement with Vanquis under account reference XXX ('the Agreement') 2)The Defendant failed to maintain the required payments and a default notice was served and not complied with. 3) The Agreement was later assigned to the Claimant on 30/09/2014 and not
  4. Hello Caggers! Back in January I went to court against Lowells for a debt that didnt exist and won. I've just looked at my credit file for another reason and am astounded to see that Lowells are still registering defaults on this account - the most recent being updated last week. The Judge decided there was no case to answer and that the account had been closed satisfactorily in 2013 with a zero balance. Looking at the credit report, it clearly shows the account is considered active and Lowells have updated the default every month since August 2014 until last week.
  5. 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.
  6. I am wondering if anyone knows what happens if your Creditor just totally ignores the Debt PAP. No trying to evade the debt or ignore it. All I had was Final Reminder on 9 February giving until 12 February to pay and this morning a claim form arrives in the post. No LBA or Letter of Claim.
  7. Hello, I am looking for some advice please. I have a standing order weekly to Fedex Europe paying off some outstanding import tax, however today I have received a Notice of Enforcement asking for £958 - includes a number of charges! I can happily print off the invoices for these payments and get these off to them, but I need to know what I can do re the letter? I have emailed them today asking for confirmation of whether any payments have been added to this account. I have until 31st March to get this sorted. Please advise. Thanks
  8. we bought a car just before xmas within days it developed faults, we exercised our right to reject in writing to the garage at beginning of year and you guessed it they are ignoring us. we have gotten trading standards involved as they think there may be mis-represented laws they have broken such as saying it has warranty and it doesn;t and that there is service history which has never been received and failing to disclose where it came from when asked. this will not get us our money back so we are going down the route of S75 with credit card company only 20
  9. I sent my laptop into toshiba for repair under warranty around 10 weeks ago. Despite half a dozen phone calls over this period they still have not got the parts in nor know when they will have them. I said its about time they consider giving me another new or refurbished laptop but they were unable to offer this as they are only the repair company and not Toshiba themselves. They were unable to offer any contact details for Toshiba apart from email. I emailed Toshiba in Germany who deal with this apparently and politely asked for a replacement as a repair was not forthcomi
  10. Hi, I am new here and hope to find somebody who can help me. I had an EU driving licence which expired last month. when I applied for the UK driving licence I had to declare a medical condition which I had six year ago but that it is no longer something I suffer from, infact I have been off medication for a couple of years and I am not under the supervision of any doctors. the NHS consultant I saw for driving licence wrote a letter summarising the history of the problem and attesting that I met all the criteria for fitness to drive, and discharged me with no further appointments o
  11. Hi ! Spot of advice please. My wife has a balance of £1,172 on her vanquis card, she ran into financial difficulties and subsequently misssed 3 payments. She managed to raise £590.00 (from an insurance payout) and offered that as an ex-gratia payment in full and final settlement. We wrote to Vanquis on February 1st with that offer, and again repeating that offer on February 22nd. they have failed to respond or even acknowledge either letters. We wrote to Impact Collection services with the exact same offer and they too have ignored our letters (all letters have been sent via recorded
  12. HI ! ADVICE PLEASE I have a secured loan with the Halifax, currently owing approx £15k Until approx 9months ago, I had no problems with my repayments, which were £176.00 per month. Due to the current economic climate, I found I could not make these payments as I should on a regular basis. I wrote to them explaining my circumstances, using the letter templates on this website and enclosing a budget sheet. I offered them £41.00 per month; to which they refused to accept and told me that they would accept £160.00 per month. I asked them to reconsider and in
  13. Good Afternoon CAG Firstly i would like to thank the people that helped me in my first two issues that are now resolved you know who you are much appreciated. I have another issue that involves opos limited in 2012 i was being contacted constantly bu this company they were even harassing my employers switchboard trying to contact me. in July 2012 I was asked to attend a HR meeting with my employer to discuss informally the nuisance calls that there switchboard was receiving from Opos Limited asking for me and being very aggressive with staff, I was asked for this to stop as com
  14. I had several accounts with Nat West, personal and business. When requesting statements do I need to send £10 for each account or £10 for the whole lot?
  15. Hi all Our windows need replacing with double glazing and our builder who has done a lot fo work for us quoted £4500 and asked for £1500 up front to buy the windows. The works quoted for were for a new carpet and a set of windows. The builder promised faithfully that the windows would be made ready for the 9th of May. When that date came, he said that they weren't ready. This was his reason/excuse for not starting everyday up to Friday 20th May when he said they would definitely be ready for Monday/Tuesday and he would update us. We left numerous messages for him yesterday and
  16. Hi CAGgers, Since having left BG early 2015, I seem to have had a charge added toy account. Prior to moving I confirmed that my account was up to date (bar about £20 usage for the 2 weeks before I left). After leaving, I was initially bombarded with calls from foreign call centres chasing a new debt for £140. Despite disputing this and reminding them that there's an open dispute from a few years earlier I was blatantly ignored. In short: Every call I made to BG was logged (transcribed against a date and time with persons name etc...). At some point in 2013, it was
  17. Hi, hope all are well. Got a few fires burning at the moment, this one has failed even before it started. Summary as follows: Family member, financial problems. Defaulted. Token Payments being made. I sent a C.C.A. Request in April, should have received something start of this month. Nothing arrived. Made a Formal Complaint to the CEO's Office including a 'Account in serious dispute' letter, complaint ignored. Now 2 weeks overdue. Gave them a deadline to reply by. Complained on twitter, they've replied, but they are delaying the situation. [They'll probably figure out who I
  18. Airline passengers hit with long flight delays continue to have compensation claims delayed or turned down despite a court ruling almost a year ago that was meant to have settled these once and for all. Rules state that passengers flying with an EU-based carrier or from an EU airport who reach their destination more than three hours late can claim up to €600 (£448) plus expenses, per person if the delay is within the airline’s control. Airlines can only refuse payment if the delay was the result of an “extraordinary circumstance” beyond their control and, previously, many ha
  19. Hi I really hope someone can help me, I am absolutely pulling my hair out with an ongoing council tax issue. There are a few issues which I'll try and break down as best I can without waffling! I have posted on here already about an issue with my council and Marstons bailiffs. My car was taken for an unpaid council tax bill of £217 in 2013. The car was worth £2,500 and sold at auction for £1100. The bailiffs added a sum of around £800 in illegal charges, which I'm STILL disputing with them. I escalated my complaint through the council who took no responsibility for the ill
  20. Hello, Unsure if this is the correct forum so apologies in advance. I'll try and keep this brief. In short I opened an account in October and I've never received the free tablet offered, I've had rubbish customer service with zero new information from VM. Timeline: 18.10.2014 - Signed up for VM services through their affinity program (through my work). Broadband, phone, TV and came with a free tablet within 28 days of install as part of the deal (confirmed via e-mail). 18.11.2014 - Install (few issues such as not porting phone number and 152mbps speeds were coming in at
  21. Sorry this is in the wrong section, but its the only one that appears to allow my to start a thread. What are peoples views on this. Grandson was attacked by a dog in a public place In the presence of his teacher and the dog owner. his teacher reported it to the police who said it was nothing to do with them. Of course this offence covered by section 3 of the dangerous dog act 1991 and section 2 of the dog act 1871 and is indeed something the police should deal with. Daughter complained and was first said told that the incident hadn't been reported but she had the PCSOs collar n
  22. Hi All, I recently completed a degree and prior to completion managed to get a job with a large organisation that will remain un-named. I was due to start a taster day 3 months later prior to a enhanced disclosure being completed when I was struck down with a chest infection. A few days later I received a phone call from the said organisations manager stating they would no longer be pursuing my application. The reason given was they felt that there were stronger candidates citing references as a reason for this despite them having these references for as much as 1 month pri
  23. Hi there! I sent a CCA in Dec 2013 to Blair Oliver Scott. They wrote to me afterwards (15th Jan 2014) which was more of a 'payment reminder' notice. They have been on my payplan DMP for several years. Outstanding around £1,500 To date they havent acknowledged my CCA, sent registered. After 2 months waiting, I took them off my DMP.. Now theyve sent me another reminder. I live abroad, out of the UK and EU, so it takes usually one month to recieve normal mail. The last reminder threatened 'further action' if payment not recieved. Any advice for the next steps grate
  24. good evening, I have employed the services of a HCEO to recover money owed to me by my former property management company. The company paid a % of the debt and entered into a payment plan. They have since failed pay anymore money and are not responding to letters/telephone/visits from the HCEO. Any suggestions as to what i can do to progress this any further and faster?
  25. Hi, I moved in to the property in April 2013. In the property was very strange electricity meter with 5 tariffs, so I decide to use the same energy supplier like the previous occupier, it was npower. After 3 months the meter got broke so npower replace it by new 2 tariffs meter. Because of the previous meter npower couldn't produce me a bill, I started few complains, but without any result. I asked the Ombudsman for help. They spoke with npower and made a final decision that till end of July 2014, npower will send me a bill. Now it is September an
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