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Found 55 results

  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 impossible to cook with). The rear hobs are the only boost capable hobs and boost is the reason I wanted induction hobs. I can only cook one large pan at once as the other large rear hob doesn't work. When I phoned him up about it he said don't worry you have the 12 month warranty (at one point I was told this is a parts and labour warranty, it may have been on the original eBay listing I don't know) and to call him if it got any worse. I felt sorry for him, I don't know why I'm not normally too soft but I said OK. It has got worse, the other day the ring that works normally if you push down on it at the start didn't and I had to cook on the small pan ring which doesn't heat the pan up effectively. it's sort of working again (I have to push on it) but the other rear ring still doesn't work and it means I can't cook two large pans at once. I want him to fix it. He admitted on a phone call before Christmas he doesn't know a lot about induction cookers but said he knows a guy who does and would call me back. I waited a month he never phoned back. The past couple of weeks I've phoned him 3 times and sent him two text messages and he isn't responding or answering my calls. I'd rather he fixed my cooker but if he can't or won't I don't see why I should have to accept a cooker I can only cook one pan on and want a refund. It's my plan to write to him and give him 14 days to respond then try my luck with the online court claim to get my £240 back. I'm on ESA so I think I can claim court fees back? Is this a good plan? Is there anything else I can do? His delivery guy wrote an address on my invoice but I've never been to his shop so I don't know it's correct. Can I ask eBay to give me the address they have for his company to see if it matches? Any help appreciated, I just want a working cooker.
  2. Afternoon all, I purchased a £300 car to use for a parts car whilst restoring another car. As it happens I didn't really need anything so sold it on 3 days ago for a little under what I paid. This morning I received one of those letters from Loans2go starting it's there property and they want it back. I was a little taken back as I HPI checked the car but realised after checking report this morning that it was the cheapo option which didn't include finance. Naturally I only use the more expensive hpi for expensive cars..... I called them up and explained I wasn't aware etc, lady was very nice and kept saying I have 10 days or I could make a offer to settle. I took great delight in winding her up as I won't be paying a penny I said well it's all very well saying I have ten days however you won't be getting anything and I have also sold the car. The irony that it's now being used as a stock car as it's worthless. So anyone know what happens next? V5 was filled in on the night of sale online, I have a receipt with all buyers info and sellers info. Loan was taken out against car in 2016........ I want to know if all my items & cars are safe from sticky hands. Cheers for the help
  3. I placed an order in early December 2018 for a surround-sound speaker system, along with HDMI leads. The items mostly turned up on time, but the HDMI leads were "awaiting stock from the manufacturer". I have since had a to-&-fro via email with the online supplier (a well-established UK company, who also has several physical stores in the UK). I have now been told via Phone that the leads have been cancelled/recalled by the manufacturer due to a quality issue, & cannot be supplied. This leaves me out-of-pocket by just under £200.00. The phone-discussion I've had with the online retailer has been pretty disappointing, they are saying that as the goods were purchased via Finance, they cannot refund me the balance I'm owed, & have tried to suggest that I find "goods to the value" from their website. But I do not require anything further, & would rather the difference is refunded, to the card I paid the 10% deposit from. (10% deposit being far less than I'm now owed). They are playing nice for now, but are insistant that they cannot just make a refund for the sub-£200- owed (I don't believe this at all) & that the alternative is to send everything back to them (I no longer have any boxes for the speaker system, & they have said maybe they can get the manufacturer to send me empty boxes to box it all up & return it, cancelling the credit agreement.) I am perfectly happy with the system I've purchased, & have no intention of returning it. So this is a tricky one - I am fully aware that it is possible for them to just make the payment from their business to me, they have stated that Hitachi would not allow this, & it would invalidate the agreement - they have also claimed that they only receive "Monthly, incremental payments" from Hitachi as the credit provider, therefore they have not received the full amount of the credit agreement (this seems highly doubtful). If anybody can shed any light on where I stand, I'd be grateful.
  4. Hi guys, I've requested a copy of a CCA a while back (all recorded delivery). I sent the £1 postal order, and waited the 12+2 working days for a reply. I never received a reply (after it was tracked - delivered), so I then sent the reminder - 30 days to respond (recorded). That was also ignored and I had no reply, so then I sent the 'Account in Dispute - Section 10 Notice' letter, which ended "I reserve the right to report your actions to any such regulatory authorities as I see fit. You have 30 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint." I have also not received a reply from this (all letter have been recorded delivered). I'm not sure as to the next steps to proceed? Has anyone been in this situation before? Thanks
  5. Hi Looking for advice. Family members were visiting friends and paid and parked for 24 hours in a SIPs car park. placed the ticket on display several people could of been the driver of the said car, and then left before the 24 hour expiry. Today a a letter has been sent to the household house, from SIP stating the who ever was diving the car didn't pay or display a the ticket. NO notice was placed on the car on their return so this is the first that anybody was aware. infant the section on which they were parked its not even clear if SIPs have any right on this section. However there are signs on the entrance so a ticket was purchased. We are hopeful we still have the ticket in the vehicle but given its over 30+ days since the alleged "offence" took and this is the first notice of parking fine! Any advice on the next steps. As 2 of 4 potential drivers are students so £100 fine is a lot!
  6. Hello I'm hoping you can help me. I received a NTK from NCP using ANPR for parking longer than paid for. Now the issue is that driver (not me) brought a ticket for 24hr parking costing £2.50 and i have a photo of this. The car park in question is protected by ANPR and the driver brought the ticket at 17:07 before leaving the car park 17:16. in my simple world there is nothing to worry about as we should win the appeal ? As i'm the keeper and not the driver who should appeal ? what would be in your minds would be the best approach ? 1 Date of the infringement - 25/10/18 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] - date on letter is 05/11/18 3 Date received - i think i received either the 7th or 8th 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] - Not sure i will need to check further 5 Is there any photographic evidence of the event? - yes photo of the car leaving with time and date. 6 Have you appealed? {y/n?] post up your appeal] - No - Not as yet, as the driver has a ticket i was going to appeal 7 Who is the parking company? NCP 8. Where exactly [carpark name and town] Crawley Kingsgate Thanks in advance for your help
  7. Hi all I'm looking for some advice regarding a recent online purchase. I bought a computer monitor online last week which I had delivered on Friday. Unfortunately there are several issues with it that I cannot live with. One of them I’m fairly sure is a manufacturing defect. The monitor was fairly expensive (£450) so I contacted the retailer on Monday and asked to return it for a refund stating what faults it had. I told them I didn’t want a replacement as there seems to be QC issues with these monitors after doing some research and I'd rather buy something else. They replied instantly and asked for photos of the fault which I sent hoping they’d deal with the RMA swiftly. I hear nothing from them for 2 days so I contacted then again today and they’ve asked for photos again despite me already sending them. I’m sensing they are dragging their feet. I paid using PayPal. What are my options here? If they don’t issue RMA should I post the monitor back at my expense then raise a dispute with PayPal? The retailer has a page on their site that states, If a return is found not to be faulty they will return to buyer at the buyers expense.I was under the impression I could return an item that I bought online if its faulty. Do I need to prove its faulty? Did I even have to send photos? Does the monitor even need to be fault for me to return despite being used? Despite having a 5 star TrustPilot rating I have uncovered some horrible returns stories with this company so not sure what to do next. I was tempted just to open a dispute on PayPal but PayPal says if the dispute is not settled they will then decide whether I get a refund or not. This will teach me for not paying the extra and buying it from Amazon who have a great returns policy. Thanks for your time. Peter
  8. I purchased a sofa from Argos online, it was delivered a couple of days ago. I assembled it yesterday and disposed of the packaging as I didn't notice any faults. However, after a few hours of sitting it's so unbelievably uncomfortable, to the extent of my bum and legs going numb. I don't think I can live with it for much longer its so uncomfortable. My question is can it be returned for a refund or exchange as it has been used and has no packaging? Still in perfect condition though. Thanks
  9. Hi all, Wondered if anyone could help. I recently purchased a new vehicle and had driven over Waterloo Bridge during the congestion charge times forgot that the vehicle was not registered on CC autopay after driving my previous vehicle for so long which had been registered on autopay for a long time. I received no warning letters nor a bill for the congestion charge simply a £65 PCN straight away. I understand I messed up by forgetting to set up the autopay on the new car but obviously not everyone is on top of their game 24/7. Is there any way around this or to appeal it in anyway? Any advice/clarification would be appreciated. Thank you Regards
  10. 2 weeks ago today I purchased from a dealer a Vauxhall zafira 2003 MOTd till March I was told it had only just undergone a service and was fine for driving In urgent need, I paid £675 and they delivered it when it was ready, Being a dealer I trusted them totally, they had nothing but good feedback Bare in mind also I am a new driver and unsure what to look for in cars ie faults and things, but she test drove perfectly. A few days later going down hill, with 4 children in the car My brakes failed, managed to get to a garage safely and quickly and paid for them to be sorted, considering the trader had claimed a new brake cylinder had been put it in, I was annoyed. Then a engine management light popped up, I mailed trader and she said Lamba sensors are damp, it will be fine, the car had little to no power and was struggling on hills in 2nd, and I could drive it with the handbrake on, also when handbrake was off you could flick it and it would say it was on!! so I asked my brother who builds bikes to have a look He found a split Tyre, battery tray was broken, one of the pipes that should blow hot air into the car was loose, Underpowered was because it was running at half power and the light coming on was the catalytic converter, The battery tray alone is apparently a instant MOT failure. I called the trader and she booked it into the garage to be looked at, garage spotted everything my brother had and rebooked for it to come back in, I went back a few days later and the garage did what only the trader told them to do. despite the garage saying the cat needed replacing the trader wanted it sprayed and apparently that would fix it. 6 hours later (yesterday) I was on my way home tired, and cold and wet and hungry ( 6 hours in the pouring rain in middle of no where is no fun!) This morning, engine management light came back on and this evening the clutch failed on the middle of a roundabout!! I managed to get it to the side of the road and called green flag who towed me home Now I spoke to the trader yet again and shes saying its driver error that broke the clutch, I made up about the hand brake and that there was nothing wrong with it and that she will look into getting the clutch repaired cheap as poss but If I sold it off as said I will, then I am going to be out of pocket because of how much the clutch is going to cost! I have asked her to refund me as she has sold me a car that wasn't fit for the road but she said I am wrong, there is nothing wrong with the car and I can go to trading standards but she will be in the right and I don't have a leg to stand on! Do I have any rights here or have I screwed up?
  11. 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 confirm the delivery address on the shipment, as I had ordered from them before with no issues and my details were all saved on an account with them. A further week went by with no response, so I checked the invoice and found it had the correct address, meaning the problem was at their end. I finally lost my patience and wrote: He responded that day saying he would speak to his manager and get back to me. A week went by, so I chased up for a response. A further week went by, so I asked for a response again. A further week went by, so I have (today) chased up again to say I need a response by COB tomorrow or I will take things further. I just want them to post me the fabric I ordered, as they are the only company worldwide who supply it. I'm not sure whether I can still reverse the transaction, but if I do I'm nervous that I will be black-listed and never be able to place another order. What can I do?
  12. Ace and Studio customers who purchased optional accidental damage and theft insurance are entitled to a refund Through our own review we have identified concerns with this insurance, which was sold through the Ace and Studio brands, and have notified the FCA. We concluded, along with the FCA that the insurance did not provide adequate value to customers. Therefore, together with Assurant General Insurance Limited and ANV (which is now part of AmTrust at Lloyd's) who were at various times the underwriters of the insurance, we wish to put customers back in the position that they would have been in had they not purchased the insurance. What we're doing to put things right We have designed and agreed a customer contact and refund programme and will refund Ace and Studio customers the premium they paid for the insurance together with interest. The average premium amount to be refunded will be approximately £38. We have identified approximately 330,000 affected customers. https://www.express-gifts.co.uk/looking-after-our-pp-customers And ... https://www.thinkmoney.co.uk/news-advice/bought-cover-from-a-catalogue-company-how-to-get-a-refund-0-8575-0.htm
  13. Ace and Studio customers who purchased optional accidental damage and theft insurance are entitled to a refund Through our own review we have identified concerns with this insurance, which was sold through the Ace and Studio brands, and have notified the FCA. We concluded, along with the FCA that the insurance did not provide adequate value to customers. Therefore, together with Assurant General Insurance Limited and ANV (which is now part of AmTrust at Lloyd's) who were at various times the underwriters of the insurance, we wish to put customers back in the position that they would have been in had they not purchased the insurance. What we're doing to put things right We have designed and agreed a customer contact and refund programme and will refund Ace and Studio customers the premium they paid for the insurance together with interest. The average premium amount to be refunded will be approximately £38. We have identified approximately 330,000 affected customers. https://www.express-gifts.co.uk/looking-after-our-pp-customers And ... https://www.thinkmoney.co.uk/news-advice/bought-cover-from-a-catalogue-company-how-to-get-a-refund-0-8575-0.htm
  14. Hello This is my first time using this forum and this may be a little bit long winded which I apologise for I purchased an item online over 11 days ago from Appliance Direct. The item was advertised at £19.97p and the original delivery date was to be Monday 26th March 18. The item did not turn up I contacted the company via their chat facility online, I was then informed the delivery date was changed to Wednesday 28th March 18. Again the item did not turn up I contacted them again. The item in question was put on hold for delivery as the price of £19.97p was wrong and there was a discrepancy. I have now been informed by the company this order has been cancelled for this reason and I will be reimbursed the money owed. The actual item is shown on their website as £59.99 now, this is the exact same item. I have contacted their customer services and they informed me that because the item was not dispatched then there was no contract in place. The money has left my account over a week ago to pay for this item and I have received an email informing me the item was despatched. Where exactly do I stand with this? Any advice greatly received. Thank you in advance
  15. I purchased a £200 Garmin Sat Nav from Argos in August 2015. By April 2016 I was having problems with `Live Traffic` and updating maps via PC. From that time until now I have dealt with Garmin direct due to the problems being of a technical nature. These problems have been pretty regular between then and now, resulting in sending units back at my expense and periods of up to two weeks at a time without a sat nav. I work as a professional driver and rely on a good Sat Nav to provide a good service. After still having problems with another replacement unit sent out in March I stated that I no longer wished to continue with the constant problems and requested a refund. Garmin are telling me my contract is with Argos and Argos are saying its out of its 12 month Warranty period so cannot do anything. Under the circumstances stated, do I have any chance of a refund and if so who should I pursue? Any advice would be appreciated.
  16. My Grand daughter purchased an Amazon Gift card at Tesco Metro store for my Christmas gift. She received - Gift card in display pack and a receipt as shown below. I had several other Amazon gift vouchers as well - so I logged on and started entering the numbers. To ensure no mix up - I put one number in - sent the thank you - put the card to one side. Get to this particular card above and I receive an 'invalid number' message. Checked number and thought perhaps the 2 x 8's could perhaps be 'B' so re entered - still receiving the message invalid. Spent 20 minutes trying to find a way to make contact with Amazon. Click on button for them to ring me immediately. 1 hour + later, I still have not received a resolution. 1st I give him the code - nothing - he says because it has 5 digits at the end of the grouping that there is something wrong. How odd - all the other cards have the same grouping... 4 digits-6 digits-5 digits. The receipt shows quite clearly that the card has been activated properly - the reference numbers in barcodes and receipt all match up - so what is the problem ? I asked if he was telling me that Tesco Metro were selling dodgy cards ? or whether anyone else who had purchased an Amazon Card from Tesco Metro, would be having the same problem as I was ? I gave every reference number off the card/the packaging and receipt - The call ended with the Amazon rep saying he would call me back in a day or so with a resolution ? It was suggested that maybe I would need to get the sender to return to Metro to find out the problem - erm, no way am I going to tell my grand daughter that a gift she has given me has caused so much hassle !! So, in the event that I do not receive a satisfactory resolution within say 24-48 hours - what are my options ?
  17. Hi All I purchased a C8 in May this year, from around June the car has been back to the garage with the same issues, Diagnostics showed rail pressure sensor, fuel pressure sensor, or even both everytime they plugged it in and reset the the fault code, last time it was in the garage (just 2 weeks ago) they changed the map sensor. and and we are still having power issues as well as EML coming on, Well today the car ended up being bought home on the back of a truck and the diagnostics the mechanic did before he picked car up showed same faults again... Can I just reject this car now or do I have to give them another chance to fix it please help many thanks Lets
  18. Hi, My Mam purchased a shed online in July this year as a gift for me. It arrived with no problems with delivery or times on the requested date in August. The shed was stored for 2 weeks in my garage and spray treated 3 times as advised with wood preservative. Only when the shed was actually erected (by a professional firm) did the numerous faults and defects come to light. The wood used is way below standard and has multiple knots generating cracks and splits, these are also present in the supporting framework. There are numerous holes in the tongue and groove cladding whereby nails from manufacturing have split the wood. None of the panels supplied are free from defects, there has been numerous attempts to patch up the splits with glue which has now started running out and causing more problems. All in all it is an absolute disgrace. It is nowhere near any of the descriptions on the firms website and I am very annoyed and upset that they had the audacity to send a product unfit for even pallets. I have sent an email detailing the defects together with photographic evidence to the firm yesterday. I have not received an acknowledgement as yet although it is early days. However today I have noticed even more cracks and leaking glue all photographed. I am really furious now as it seems that even with my costly intervention this so called superior products will not survive the winter. Plus it was money paid by a pensioner who can ill afford it. I would just like to know what rights I have to get a refund either full or partial for my Mam, as it is totally impractical to repair or replace the shed now that it is in situe. Thanks in advance
  19. Hi guys, This is a long read, I know, but I believe that not only have I purchased a car with a fraudulent MOT, I have also uncovered a rather large fraud involving a very well known scrap collection company. I bought a 52 plate (2002) Ford Mondeo on eBay on 10th July. The car was advertised as having 12 months MOT and it was stated that the car passed with zero advisories on the 6th July and that it had been 'fastidiously maintained'. I checked it's MOT online and it showed that it had indeed passed with no advisories. This obviously gave me the confidence to bid on the vehicle without test driving, which in hindsight was very stupid! (Lesson well and truly learned) I collected the vehicle on the 11th and on the drive home there was considerable knocking sounds coming from the rear of the car so I took it straight to my local garage to have it looked at. The mechanic who looked at the car stated that it was physically impossible for this car to have passed an MOT just 5 days previous, let alone passed it with no advisories. He said there were a number of dangerous faults and he advised me not to drive the vehicle home. He told me I could leave the car there for a few days and said that I should contact the DVSA to complain about the MOT carried out on the 6th July. I filled in the necessary form and the DVSA inspected the vehicle yesterday (22nd). The inspector phoned me to inform me that he had discovered a very long list of failures which included 5 dangerous faults. He immediately, and understandably, issued the vehicle with a Prohibition Notice and told me in no uncertain terms that not only had the vehicle been incorrectly passed on the 6th but that he believed the tester who passed it hadn't even seen the car before issuing the pass certificate. Thing is now, the car has cost me £450 so far (not a lot to many people but it is to me) and I'm left with a vehicle with a scrap value of £65! Now here is where it gets interesting. I've looked into scrapping the car and I've been shopping around for the best prices when I found a site called Car Take Back. They arrange for a local company to collect your vehicle for you and it is supposedly taken away and recycled. That's what their website says, anyway. But the company they list as being my local collection agent just so happens to operate from the same unit under the same owner with the same telephone number as the company I purchased the Mondeo from on eBay. Could it be that he is collecting scrap cars from members of the public via Car Take Back, sticking fraudulent MOT certificates on them and then listing them under his other company name on eBay? Almost all of the cars he lists have 12 months MOT with no advisories, which is very suspicious. If this is the case then this obviously needs to be stopped. The chap from DVSA must have done his research, too, as he also mentioned that the company I purchased the vehicle from also collects scrap for Car Take Back. He never came out and said it but he's obviously thinking along the same lines as me. He has assured me that in addition to the company that wrongly passed the vehicle, he will also be fully investigating the company that I bought the car from. Whilst I welcome that and hope justice is done, I'm still out of pocket. So, for those of you that have stuck with me this far; what do you think is the best avenue for me getting my money back? I have today written to the previous owner listed on the logbook explaining what has happened and asking them to confirm whether they did scrap the car via Car Take Back. But, I am unsure of my next steps. Trading Standards? Contact the seller with all of the evidence I have so far and ask him to refund me? Last time I spoke to him he denied any knowledge of the MOT and said it was nothing to do with his company. Contact the MOT station that issued the MOT and ask them to bring the car up to MOT standard? Wait for the DVSA to finish then pursue the seller with whatever evidence they uncover? I'd really appreciate any advice or help from someone that might have been through this before and might be able to advise the best route to getting my money back.
  20. I have recently been doing some research into legalities of purchasing debts and enforcing them.. From what i've read online and social media sites When a DCA purchases your debt you do not have a contract with them. you run up a bill with BT avoid paying for 3-4 years then lowell/cabot etc crawl out of the woodwork and decide to chase you for said debt.... however technically you never entered into a contract with lowell/cabot etc only the original creditor when you ask for documentation regarding your contract with said DCA they can only provide you with copies of the original contract with the original creditor which is no longer your debt as the DCA has purchased said debt. in effect the DCA has paid your debt off for you you have no contract with the DCA therefor do you have to pay?.. .. i challenged Lowell a few weeks back and guess what they agreed that my account was indeed paid off and no longer worth them chasing me for it, it wasn't statute barred by any means just me challenging them.. I can post the letter I received from Lowell to show you how i did it and if someone could give me their input on what i've done or simply remove my post if moderators do not agree with it
  21. Hi, I'm hoping someone might be able to help me... In August 2015 I purchased a Samsung Galaxy S6 on eBay from what seemed to be a trustworthy "phone company" with very good reviews. I received the phone exactly as described, brand new and sealed and factory unlocked. I have been on a Sim-only contract with Vodafone for a long time and I immediately began using the Sim in the new phone with no problems at all for the next 6 months or so. However, in February 2016 the phone suddenly lost all network coverage and after a few confusing phone calls with Vodafone (which also involved me sending the phone to Samsung to be tested) I finally discovered it had been blacklisted due to having been reported as stolen. Vodafone recommended that I try to get a refund from the seller on eBay or approach PayPal to open a dispute. I soon discovered that the seller had disappeared from eBay (hardly surprising if he knew what he was doing...!) and after explaining the problem to eBay they told me that PayPal should be able to help. However, I have been back and forth with PayPal over the issue and they are point blank refusing to help me due to the fact that the transaction was back in August and it was outside of their specified time cap on opening a case. I understand that this is their policy but I feel that in a situation like this there should be some sort of loophole as how was I to know that I was buying a stolen phone, especially as it was working fine until it was blacklisted!! I have spoken to CACs and trading standards regarding the matter but they simply insisted I keep on at PayPal and that without the seller's home address there's not much that can be done?! I am out of pocket of £380 and the phone is completely useless to me, and at the same time the seller of this phone (and I would guess countless other phones) is getting away with making money from stolen goods. Thank you for any suggestions!
  22. Hi, just after a bit of advice here. I have been behind and over my limit for about 12 months but had been making regular payment all be it not enough for my account to be up to date. Today I recieved a letter. It said the following. Overdue amount: £..... IMPORTANT YOU SHOULD READ THIS CAREFULLY Notice of Default served under section 87(1) of the consumer credit act 1974 Youve broken your agreement ........ You must pay the amount overdue shown above. This payment must reach your account within 28 days of this letter. If youve already paid this or have made a payment agreement with - thank you. Please ignore this letter. Then it lists what they will do if I dont do the above ie shut account, chase debt. What I want to know is, I spoke to them monday and paid 70% of the above and agreed to pay the remainder of the arrears by friday. He did mention that a letter had been sent out but told me if I paid this it would be canceled. What I want to know is will they stick to there word?. Is this an actual default notice as I dont remember recieving a warning? Should I ring up and pay it today and argue that I didnt recieve the letter till friday or something because of the snow(foot deep here today). When he says canceled does that mean its already been put on my file and they will just change to satisfied or will it actually be removed or not even be added?. Will they have recordings of the call where he promised it would be removed on payment of the arrears and could I request that if need be?. Sorry to waffle, I know I have been a bit slack with payments but have my reasons and despite my current position, being 29 I could do without any nasty marks on my credit file and the letter seems a bit confusing, maybe deliberate to get me to pay I dont know? Thanks for your time, any advice would be much apprecieted.
  23. Good Morning I apologize if this isn't posted in the correct section. Long story short - my brother purchased a sofa from an online retailer, it was delivered cash on collection, couch was in 'boxes' - when opened the couch was badly damaged. Damage was reported within 5 minutes of delivery, the company ignored and blocked calls from my brother and have refused to do anything about it. We contacted them from a different number and managed to speak with someone who initially offered a refund less delivery (I quoted DSR - as this wasn't a return of unwanted, it was return of faulty) and they then backtracked and said the couch was 'shown' to the customer and they had damaged it. Fast forward a few well worded text messages back and forth - we get an angry call from who I presume was a manager or director - at 1st saying he'd refund, then maniacally changing his mind mid way and saying 'you haven't got a purchase order or invoice, you haven't got a leg to stand on - you haven't got any proof you bought it from us' - which I managed to record Now he's taunting my brother, he has made a few promised to collect and given several times - one at 1:30am and to wait up. He waited up and nothing happened. I am at a loss as to what to do - I have contacted Citizens Advice (as they have to hand over to trading standards) - but haven't had a response. Here is an email I have sent to citizens advice - it goes into a bit more detail, maybe a little ranty... My brother purchased a sofa from Luxuy Living Limited - which we discovered on Facebook. Their web address is: ll-uk.co.uk They arranged contact through one of the mobile phone numbers listed on the website, and delivery was made on Saturday 2nd April. Upon delivery, cash was paid. The sofas came in 'boxes'. The delivery agent briefly broke apart a section of one of the boxes to point at fixings to explain how they clasp together. All seemed well, the drive left and the couch was 'unboxed'. We discovered damage immediately to one of the couches - and made contact to all of the mobile numbers on the website. This was literally within 5 minutes of delivery happening. After being unable to speak with them, we sent some text messages which were not responded to - and further attempts to call were unsuccessful. My brother called me to speak about the problem - and I attempted to call and was able to get a response. It would seem they blocked calls from his number. I'm a little more savvy and wrote a number of constructive texts explaining their obligation as a business - and have received a number of responses. Initially they said they'd refund minus delivery costs of £70 - which I explained was in breach of DSR as we are not 'cancelling' the order because we don't want it, we are returning because it's faulty. After I challenged this, they claimed the couch was unboxed and shown to the customer - and the damage had been caused by them. I challenged this and asked if they had anything signed or any photos to show this - as it's unlikely that they'd cause a manufacturing defect within 5 minutes of delivery. A few more texts back and forth and they made a promise to refund on Sunday 3rd. They waited in all day on the 3rd - nothing happened. By now we'd been back and forth with texts - and received a phone call from an angry gentleman who I believe was the business owner - we recorded the last minute or so of the conversation. He said he'd sort it, and it would happen later on Sunday night or Monday morning, then in the same breathe told us that we didn't have a leg to stand on because we didn't have a purchase order or an invoice. After explaining we have phone records and a raft of text messages discussing the sale and refund from a number listed on his website - he laughed and said he'd change numbers. We have screenshotted data from his website. We are getting absolutely nowhere and this company has behaved despicably.
  24. Long story - short. ... got myself into a financial pickle with various credit cards etc. Due to dwindling income over the last 12 months I have now crashed. I have received default notices on my CC's as I have not made any payments to them over the last 3/4 months. I was just about to contact them [along with some of my other creditors] to advise them of this change in finances etc; with a payment proposal of £1 and statement of Inc and Exp., as now no income. Additionally I was considering the querying the validity of the contracts with the CC companies as others on this forum have done. Concentrating on MBNAeurope for the present: today I have received a letter from AKTIC KAPITAL Portfolio AS, Zug Branch - stating that they have purchased my outstanding balance with MBNA - and they can help get my finances back on track it then goes on to say that they are Aktic Kapital UK Ltd who will be collecting the balance of £xxxx.xx that I owe on behalf of Aktic Kapital Portfolio AS, Zug Branch. they want me to cancel and DD/SO's [there are none; otherwise i wouldnt have gone into default!!] as paying mbna would cause a delay in them being able to reduce my balance. small print:... aktiv kapital uk ltd is part of the aktiv kapital ASA [norway] group of companies. CCA licence 510166. registered office, wells house, elmfield road, bromley, kent, br1 1lt. 'under the terms of this assignment and as defined in the data protection act 1998, Aktic Kapial portfolio AS, zug branch is now the data controller of your personal data...' so my questions are: do i acknowledge their letter? do i deal with mbna at all now? do i ask Aktiv Kapital for original contract/proof of debt? any other pointers would be great please [especially if any more letters 'assignments or purchases' of my other credit card debts start arriving]. thanks in advance.
  25. On Aug 21 2015 I purchased a 2009 BMW 730i Ld privately (not from a trader or dealer). It had been advertised on Autotrader with a full 9 page HPI Check. I paid £12,500 by way of £12,000 bankers draft to the seller along with £500 cash. On 28th October a woman knocked on our front door saying she was from Bow County Court and wanted to speak to my wife in regards removing our vehicle in respect of a court order she held. The court order was from a finance company to the owner previous to the seller I purchased the car from. Transpires that the previous owner sold the car to the seller we bought from in July 2015 with finance of £7,000 still owing to the finance company. Our seller sold the car on to me within 1 month with what appears to be a forged HPI check stating there was no finance on the vehicle. The seller didn't register the vehicle as he said that because he was selling the car on so quickly, he didn't have time to register it. The 'Bailiff' who we later found out was a Collection Agent for the finance company said that she was removing the vehicle immediately from our front drive. She said that if we tried to prevent her from taking the car then a truck would come to lift the car off of our drive. My wife and I simply couldn't understand this was happening to us and has caused us huge distress. Concerned by her threat to forcibly lift the car from our drive, I phoned our solicitor (who doesn't specialise in matters of this kind) and he spoke to the collection agent saying that under section 27 of the Hire Purchase Act 1964, where a motor vehicle is subject to an HP or finance agreement, while the vendor does not own it and has no right to sell it, a private purchaser who buys the car in good faith without notice of the HP or conditional sale agreement obtains good title to it and that the collection agent therefore had no entitlement to our vehicle. Whilst I was speaking to Mr Lucas, the agent asked for the car key so she could take down the vehicle mileage. At that point I said I was calling the police as we had good title to the vehicle and she had no authority to remove it, especially from our property. I went into my house to call the police and a minute or two later looked out of our front facing window to see the vehicle was gone. A number of questions. 1. The finance company is now in possession of the vehicle, does this section 27 of the HPA 1964 require them to return the vehicle to me and if they refuse what are my options? I don't have the money to seek a solicitor to take out an injunction preventing them from selling the car / return the car to me. 2. If they refuse the car I don't have the money to issue proceedings in the court for the £12,500 I paid for the car in good faith, again, what are my options? 3. My car is probably worth about £13,500 as I spent £1,000 on repairs last month. The outstanding finance I understand is around £7,000. Do the finance company have the right to pocket the difference and is there anything I can do about this? 4. The collection agent falsely represented herself to us and our solicotor as a court bailiff, do we have redress against the collecion agency We now have no car and no money to purchase another one, it is all very distressing.
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