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  1. I hope to get some advice here my partner received letters (notice of sums in arrears, annual statement) from Lowell about the debt they bought from Okam Ltd for the amount of £10,785.89. That was shock for me but my partner remembered what it was. It was loan taken in dec 2012 with his ex wife. Original amount was around £3k. They paid as long as they’re were together. Then couple months later she left him but promised to pay for it. Unfortunately that loan was only on his name. That was very nasty divorce and he never thought about it. He moved few times a
  2. I'm not sure if this is the correct place to put this on so Mods, please feel free to move. I lost my permanent job late in 2016. Being older (almost 60 at the time), I've found, like many others in my age group that it's almost impossible to find a job. I was asked at the Jobcentre if there was anything I could do to become self-employed. I am a good pianist and had been working towards getting my Diploma after an exam break of 40 years, thinking ahead to when I retire. I am one of the women caught in the 50s trap, no husband and a son who's still recovering from a recent kidney
  3. Hello all, My sister in law received what she thought was a message from her friend asking her to accept some money from her Paypal account and transfer it down into her bank then transfer it to her friend’s bank. She received two payments from two different sources, downloaded £500 and duly transferred it to her “friend’s” bank account. Turned out that the message she received was from a fraudster and the money she received was from two hacked PayPal accounts and the bank account she sent the money to was not her friend’s account. I know she should have questioned why her
  4. Could someone please point me at the appropriate bit of legislation that best suits the following problem. Hints regarding any known, suitable course of action would be appreciated as well. Rather than ask loads of questions on here, I’d like to try and work out what to do, then ask questions when I’m aware of the basics. There are no names and no pack drill as I don’t want to alienate a dealer -yet. It’s tricky to decide what is unnecessary detail, so I’ll take advice on how much I should post here but in short: We are experienced and extensively travelled
  5. I bought car from Peter Vardy Vauxhall Aberdeen 22/11/2018. The same day on evening and next day two times engine malfunction light came on the dash board. I decide go back to the garage. They said: Is few problems there and I need leave this car for repair. Ok I accepted this. After more then 3 weeks car is still not repair and still in Peter Vardy garage. I don't want this car any more if is that many problems and claim my money back from them. I don't know how to start that. Thx
  6. Hi All, my network provider (Tesco) uses o2 which i am still having problems with sending texts, is it a breach of contract? Thanks for any info.
  7. Hi I bought a car from a dealer back in September I've been advised that the turbo needs replacing. I have 1 years warranty with the car the warranty provider is trying to claim that it is wear and tear. I have checked the policy booklet and the turbo is NOT amongst the items not covered on the scheme I have. My mechanic stated that the air intake was broken around the turbo area and the seal was broken in half, he stated that it looked like a botched repair previously done. I have sent the warranty provider an email threatening legal action with my findings a
  8. I had a free of charge replacement Hoover from Vax which has a 6 year guarantee. I have had it a few years and it has suddenly stopped working I contacted Vax about sending it back and they said they don't have a record of when it was sent to me though I knew it definitely wasn't 6 years ago. They told me I need to attach the receipt from the original one to the email but obviously I don't have that. I know it was October 2013 I received this Hoover as I had posted about it on my Facebook but it's the only thing I have which says when I got it. They should have a record
  9. I bought some headphones from Amazon about 6 weeks ago. They Developed a fault just after 30 days. Amazon have offered me a refund, unfortunately the headphones were at a promotional price at the time. The refund wouldn't be enough for me to buy a replacement pair from them. They have refused to either repair or replace them. I know under consumer law I am entitled to a repair or a replacement. Is a retailed such as Amazon able to ignore that if they simply offer a refund? I was very happy with the headphones and really just want a pair without the fault. Where do I stand?
  10. Much is written here about the Consumer Protection Act. (Formerly SOGA) What action can one take against a company who refuses to honour their obligations under this act?? As I understand it, under CPA regulations, a retailer must act within these Regs when things go wrong. The seller has the choice to 1. Repair the item. 2. Replace the item with a similar item. or 3. Refund all monies paid for the item. But can you force them to act ????
  11. I have had my car (Ford Fiesta) since June 21st last year. Now my issue is I have a knocking noise coming from the front passenger side of the car. No idea what it is. I rang Stoneacre up and they asked details and such and said your service is due, I had said, the service has been done through someone else because well they were cheaper then what stoneacre could do. He said ok, but your lifetime guarantee is invalid in that case, because you needed to get the car serviced with us for your warranty to be still valid. ok then, he said I can get the car serviced again with
  12. this is the story of my bulldog so far.. my 12 week old bulldog pup went in for entropian eyelash surgery after a refferal from my own vet as we wanted someone he trusted to undertake this operation for us... he came out 5 hours later and went through the most agonising death over the following 48 hours i have ever seen a poor animal suffer.,,, rushed back into my own vet who tried to save him twice over the last 12 hours of his life but he was struggling to breath and tyson fought so hard to stay with us. .im still upset writing this four weeks later. .i was refferred t
  13. I am a primary school teacher (year 6) and don't let children go to the toilet during lesson time.
  14. We know taking the loan out was wrong but we had no option at the time, we took a loan of £250.00 and now unable to repay in lump sum, they text every day emails and its getting worse they demeand £359.00 now and sent this email We have made a number of attempts to contact you by email and SMS to discuss the outstanding balance on the short-term loan you took out on 14.08.12 and you have made no effort to return these enquiries. We have also warned you in advance of additional charges you have incurred. As we make clear to all our customers our product is intended to be a s
  15. I have found that Barclaycard/ Stonebridge had been charging me for an accidental death insurance I did not want or apply for some years ago as being self employed and working at heights I had to carry my own special accidental death insurance. I have contacted both companies in March 2017, they passed me back and forth until late last year with no result other than an offer of £25 from Barclays and £50 from Stonebridge which I did not accept. In Stonebridges case they wanted me to sign a form saying that the payment was in full and final settlement which I found strange. I went
  16. On November 21st, 2017 I purchased 2 HTC 10 mobile phones from a seller on Amazon Marketplace. The phones were sold as new and unlocked. The phones arrived in early December and I gave one to my son for Christmas and kept one for myself. Last week, on April 26, my son reported that he was having a problem in that his phone had started switching itself off at about 3% of battery life but that this was getting worse and it now switched off at 20%. In addition the "touch" icons on the right hand side of the screen had stopped responding. I instigated a return with the seller, bu
  17. I hope someone here can give me some advice. I am divorced, living in the marital home which has a joint mortgage and a joint secured loan. My ex husband is living with his new girlfriend in her house and is making 0 contributions to either the mortgage or secured loan. I am currently paying the £1200 per month on my own. As I am the one living in the house with my son, my ex knows the mortgage company and secured loan company will lean on me rather than on him to make payments. I have been going on for 5 years like this with no contribution from him. My ongoing pro
  18. Hi In brief i had contractor to fit patio doors and a complete roof on our new extension 4 months ago, only now has he come back to finish the roof after many cancelled visits by him, The work is so bad that building control officer wont sign the roof off. i have contacted the roofer on many occasions and he keeps telling me its my fault because i always moan about his work and that he isn't a roofer (he has his own building business) . unfortunately i paid in full as he was a friend of a friend, I have a rubber roof which is peeling up because he used silicone to stick
  19. Hi, I paid a narrator to do my audio book and he did a great job. I then had a company put the book on to 5 C.D's which they did, I have an issue and wondered what I should do next. All the C.D's are fine and the audio in the right order etc, the trouble is on each C.D it says track one two and 3 etc, but on one of the C.D's it has some obscure bands name come up, their album name and track title, obviously this was meant for someone else's C.D. My audio book is on there and not the bands, but it does not look good on me if I sell this book and this is what they see when loading the
  20. Hi all hope you can offer some advice. My wife signed up for a 6 month rent to buy scheme for a piano, after the 6 months we kept the payments going to cover the total cost of the piano, in fact we've paid over the total amount. This was agreed with the company. Were now getting calls, after 7pm mainly! asking for money, last call the guy even hung up on my wife, accusing us of not contacting them after the 6 months, which is completely untrue, we were always told they'll get this person to ring back. we have bank statements to prove payments but this seems to be
  21. Last week, I had a small claims court case, the details of which isn't really important as my question is about the judge. I lost the case, but it seems to me that the judge was having a bad day and he took it out on me! The person who had taken me to court had included all fees and the income loss for the day were included in the total amount that he claiming against me. But at the end the judge decided to add the fees and the another £95 on top of what he was claiming again, and almost doubled the amount that I have to pay now. I tried to explain to him that he was making
  22. Hi, ive been following http://www.consumeractiongroup.co.uk/forum/showthread.php?424491-Harlands-and-Xercise-4-Less to help. i cancelled my direct debit and also sent 2 cancellation emails to xercise4less via their website as i was moving further than 50 miles away from the gym i was paying membership for. As i cancelled the DD before sending the cancellation emails, the only response i got to the emails is that my account is in default and i must pay it. I assume they then sent various letters to my old address as on the letter to my new address they said th
  23. Hi, As many people have had an issue with Xercise4Less I too am having a problem with them right now. I saw a student advert on a free month from Xercise4Less and did not realise I was being sucked into a 12 month contract, and only realised after a month was paid for after my first free month. once I saw a month being paid for I immediately cancelled the direct debit! Now I have received a letter from a group of people called "Harlands", saying: (Date of letter 17/10/2017, Date recieved: 21/10/2017) "Your bank have recently advised us that your Direct Debit instructio
  24. I have been helping my friend try to sort out his housing benefit. He is a vulnerable person who is on ESA. Originally he had no-one to help him sort everything out when he found a new accommodation around two months ago. He was looking for somewhere to move to and I was not available during this period. When he moved in he paid a two weeks deposit and weeks rent and received, keys. He never was offered a full tenancy agreement. Later on he was told by the landlord that he prefers to rent rooms out with just a cash deposit only a one-two weeks’ notice. He doe
  25. Just a quick question I have tried to send a letter to virgin credit card twice both times they have been signed for I have not received a reply . where should i send it since this is to do with pro rata offers
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