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  1. I am trying to help someone who nobody really wants to help. There was a case of criminal damage Where this person involved was arrested for criminal damage to a house. On his barristers advice he admitted the damage and was sentenced. It now turns out that the complainant misled the police and also the star witness's known personally by the complainant has also pulled a fast one by misleading the police. How can this be brought to the polices attention as the person prosecuted is sure damage was caused on purpose and blamed on them. How do they go about notifying
  2. I have booked a cabin which company website states bath is included. Since October last year it has been confirmed that these cabins will not have baths. I have raised this with the company twice but no change to website despite promise it would change 3 weeks ago. Any idea of next steps/compensation for not receiving what they are still advertising today. Thanks
  3. Hi all, I am really sorry but I do not know where to put this. I bought an online course. It had a no refund policy and was based in the USA. After going through it - I have realised that the claims made in the sales pitch were very misleading and some were lies. As what is stated in the course is quite different to what is stated in the salespitch. I asked for a refund and was told flat out that it would not happen and then was told that everything I said was wrong - my perception and the facts and that he could prove it. Then was told he would not respond to anymore messages
  4. I'm not sure if this is the right place to post this. But I felt it important to bring to the forums attention. I've just seen a grossly misleading advert in my Facebook News Feed from Wonga. Whilst this is absolutely true for Parking on Private Land, It is almost certainly not the case for Council Issued Penalty Charge Notices... But it gets better: "Especially when the charges seem extortionate" Pot kettle black there I think... Worth reporting to the ASA??
  5. I've just been viewing the Merseyflow website for the second bridge crossing that's just opened. The website can be found here: https://www.merseyflow.co.uk/faqs/penalties To quote them: "A PCN is a legal document, carries a fine of £40, and will be issued to the home address of the registered keeper... ...If the PCN remains unpaid beyond this 42-day period then the penalty will be registered as a civil debt and if unpaid after another 36 days, recovery action will begin." I'm just wondering whether the wording here is misleading and/or illegal. As far as I was aware, private
  6. Hi, I bought a used car tonight that was advertised with the tagline "Mazda 2 TS with A/C ..." and in the description as "GREAT 5 DOOR SUPER MINI with AIR CONDITIONING". Having driven the car home there does not appear to be any air conditioning in the car. Not that the A/C is broken, there is no A/C. Having checked the vehicle specs it appears that, when purchasing new (I am buying used, 2009 reg car), there is A/C as an optional extra, which doesn't appear to have been taken. What are my rights as a consumer having handed over ~£3k of my hard earned. The car was bought from an app
  7. Hi Everyone, First post so please be gentle.... .... just wanted to see what others thought - I have been trying to rebuild my credit following some debt issues 20 years ago. I saw the website advertised on the TV and thought I would take a look. The site is great , advising me on credit cards that could help me with rebuilding my credit. I am currently in a great job with regular income so this seemed ideal. I applied for 2 credit cards as suggested and was accepted with fairly low credit limit. I have been using these cards and paying them (not just the minimum payment) and all going w
  8. I recently purchased a Flight on Opodo The reason I booked with Opodo was because it gave certain assurances that I would be able to cancel my flight and receive a refund if I booked though them. My trip was subject to change so I was shopping around for a flexible airline (for september) The first statement although not misleadign itself, did make me feel more comfortable about the booking: "Free cancellation on most routes and airlines" - now I agree this doesnt say ALL route and airlines, but its already put my mind a little at rest and made me feel comfortable to continue fu
  9. The Direct Debit Guarantee says: "If an error is made in the payment of your Direct Debit, by the organisation or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society If you receive a refund you are not entitled to, you must pay it back when the organisation asks you to" Twice now I've succeeded in getting a refund within hours. Both times with the Coop Bank, but all banks seem to have similar or worse procedures. The Coop says "before making [a refund]... we need to establish whether the claim fal
  10. Hi all, I have recently caught out Carphone Warehouse on a deal that they were advertising on their website, which proved to be misleading. I found a deal on their website entitled 'save up to £100 on SIM FREE phones' upon clicking this deal a phone I have been looking for was posted on here, although with no discount at all on it, but instead offering a free gift instead (worth £69). I raised the issue that there was no discount on the phone SIM FREE and was told that what you get instead of discount off the phone itself. I have then reached out to both their Twitter and Facebook pages r
  11. New rules forcing broadband firms to be clearer in adverts on the costs of their contracts have come into effect. Broadband suppliers will now have to show upfront and monthly costs, without separating out line rental prices, according to the changes brought in by the Advertising Standards Authority. The rules were originally due to be implemented in May, but firms asked for more time to comply with the changes. The ASA said customers were now much less likely to be misled. To comply with the new rules, broadband providers will now have to: Show all-inclusiv
  12. Question. When is 100% solid hardwood not 100% solid hardwood? Answer. When it is sold by Oak Furniture Land. While it is true that they did not use any veneer, they use a choice of words when describing their furniture. OOPS! https://www.asa.org.uk/Rulings/Adjudications/2016/10/JB-Global-Ltd/SHP_ADJ_339625.aspx#.WAfBrST_qM8
  13. I bought a mobile phone from an ebay licenced trader in March. 6 weeks later it stopped working - whereas it was advertised as NEW it turned out to have had a previous owner, who's probably reported it stolen/lost after selling to the shop I bought it from. The shop have offered 50% of £430 purchase price, but I believe I should be able to claim all under Consumer Rights Act 2015? Nobody can tell me if it has been stolen or whether it's just lost, incidentally. Original network appear to have barred phone. The ad title was UNLOCKED - NEW & BOXED.
  14. In 2011 I opened an Argos card account and have never missed a payment or paid late. With that in mind, last year due to personal circumstances I have defaulted on a financial arrangement with a different organisation. Upon checking my credit file regularly I have seen that Argos are reporting that my account with them is showing; The account status is currently under review due to a query. Argos have been reporting this same status since May 2015 - long before anything else went into arrears. Are they allowed to do this and if not, what course of action can I take again
  15. Hi everyone, I’ve been having issues with Harland/CRS and have had a few correspondence go back and forth with the help of this forum but I’m a little stuck with what to do next now and would love some advice. I appreciate that this is a little long winded but I didn’t want to leave anything important out…

The story so far;

After visiting Hone Gym is and chatting to a staff member they informed me that I could pay £20 for a months membership with no obligation, I made what I believed to be a one off payment with the website being what I perceive now to be heavily misleading. I didn’t realise
  16. I am appealing for advice in this case in which Barclays has failed over a 2 year period to put right errors on my mortgage account and now refuses to abide by the binding settlement terms. To confuse matters, the Ombudsman provided misleading information which led to me agreeing the terms and the complaint being closed while the issues are unresolved. Ombudsman has now washed its hands of the case and told me I need to sue Barclays. The Financial Services and Markets Act 2000 (FSMA 2000) makes an Ombudsman’s decision legally enforceable in court, but I can find no solicitor to tak
  17. I recently bought a car from a dealer where the advert in the autotrader said it was a 2001 model. It stated on the V5C form that it was first registered in 2001. However when going to insure it I found out that it was in fact a 1997 model. At first the dealer denied he knew anything about it, but a day later admitted full responsibility. I told him to take the car back and repay me which he agreed to do. However he has since changed his mind and claims that as he didn't know the real age of the car its not his fault. He had himself purchased the car from another dealer who also claimed ignora
  18. Up until this evening Apple had always been a brand that I trusted and had always had confidence in purchasing products from them. I have had my Iphone 5 for just over 2 years now and a few months ago I started to notice serious problems with the battery life. It would show that it still had 20 percent charge and then suddenly just run out. I got caught out quite a few times because of this. I decided that I needed to get the battery replaced. After some research I was really pleased to discover the following; https://www.apple.com/uk/support/iphone5-battery/ Apple has det
  19. I'm new to this site and came across it whilst trying to see what else I could do about what I see as extreme unfairness from HSBC. I have been their client for the last 9 1/2 years. I had also had an account at a young age with the old Midland bank. Through online banking I saw they were doing this amazing personal loan at 3.9% APR. Since I have a credit card with them which I must admit I am paying a very high rate (increased from 18.9% to 21.1% or around that - unsure of amounts) I thought I'd take a loan and clear off the card plus take a holiday since their low APR is for loans from
  20. I wonder if I can get some input regarding a situation I am currently dealing with. At the end of December, I sought out a performance coach for assistance and treatment of social anxiety. I had three paid sessions with the practitioner and they were amazing. The fourth session, it wasn't so much a therapy session but more of a sales session whereby we only discussed the possibility of embarking on a full program. During this sales session, the practitioner presented a contract detailing the particulars of the program and there were three separate mentions of guaranteed outcomes as
  21. DSG Retail Ltd Share on twitter Share on linkedin Share on facebook Share on google_plusone_share Share on email ASA Adjudication on DSG Retail Ltd DSG Retail Ltd t/a Currys PC World Agency: AMV BBDO Ltd Complaint Ref: A15-290696 Ad A press ad for Currys PC World stated "Save £200 on our colourful range of HP Pavilion laptops" and featured images of three laptops from the HP Pavilion range. Text underneath stated "Get everything you've a
  22. Hi, just wanted some advice regarding a would-have-been purchase for me. I saw a listing on a national building centers website ( a section for trade members specifically ) for a deal on an in-store collection item which had a ladder for sale at £24.00 inc VAT however the ladder you would actually be given at the till is not the ladder that they list the specifications for online. as this would result in me making a trip to the store ( a 35 min drive ) to find out that the online page was not correct, where would I stand? I do hope this makes sense. Many thank
  23. Hello Everyone, I have recently joined Bannatyne's through a special offer, which they text to me, which is really misleading as can be seen from my email to them below: Dear Sir or Madam, I am writing regarding my recent application for membership with the club, which became active from 16th March 2011. I contacted Bannatyne's back in December regarding membership but due to being busy with work I couldn't join but received regular offers by text message from the club. I got the following text message from Bannatyne's before I joined: 'Join Bannatyne's
  24. The Green Deal is a government backed scheme that can help you make energy-saving improvements to your home or business, for example: insulation - eg solid wall, cavity wall or loft insulation heating draught-proofing double glazing renewable energy generation - eg solar panels or heat pumps You have to pay back the cost of the improvements over time because the Green Deal is a loan. The BBC has found that some firms promoting the scheme are mis-leading consumers by claiming the Green Deal was free and that they qualified for the scheme
  25. https://uk.news.yahoo.com/firms-fined-over-misleading-product-144035347.html#vddHLqP Yorkshire Building Society and Credit Suisse have been fined a total of £3.8 million for misleading inexperienced customers over investments that had almost zero chance of achieving maximum returns. The fines centred on a product called Cliquet designed by Credit Suisse International (CSI) and sold to nearly 84,000 customers who ploughed in £797 million. It was aimed at "unsophisticated investors with limited investment experience" through distributors such as Yorkshire Building Society (
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