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  1. Hi all Hope everyone is well. Had this back recently - after months on inactivity on all accounts. For a Lloyd’s credit card This is the one and only sheet sent back from Idem. Looks like an application form to me ? Any help much appreciated. Thanks for looking and Bon weekend ! Here is correct picture Lloyd’s scan 2.pdf
  2. Hi, Happy holidays. I am looking for some guidance. Just returned home with nice letter from HMRC about VAT return of £571. This is for period of 27th July to 31st Oct. I have bought some items to flip on amazon back in June/July total 120 units, that cost me £1080 in total. I have sold them all for £2,395.93 - the amazon fees. This was sold during 6th July to 27th to be exact. Then I decided to open a VAT account and look for some distributor accounts, however never been able to find good products and decided I need to close VAT account as the only way to ge
  3. Thought there was something fishy with my account balance on very.co.uk, I contacted customer service this morning. Turns out they've charged me again for a PS4 bundle that I returned last week, as an item was 'missing' (PlayStation Network 365 Day subscription card). Apparently it's in transit back to me and they say they're incapable of advising me until I get it back -- for whatever reason. Of course, no one from Very warned me that they'd charge me again, let alone that they'd be sending it back to me. Not a call, not even an email. Is 'Just figure it out yourself'
  4. hello there I received the following from idem Sorry for not naming my attachment , I am new to this technology. Are these documents enforceable? Any thoughts and opinions would be appreciated. convert-jpg-to-pdf.net_2018-03-05_13-25-40.pdf
  5. I have recently had a CCA response from Robinson Way, regarding an old Burton card account. The CCA they have sent however relates to another older and closed account in my name, as the account numbers are different. Just wondering what the best approach is now. They have resumed collection activities but at present just threatening to send e-mails, letters & phone calls. Is it worth responding at the moment to point out the error or should I just let it run it's course for a while and see where it goes? Any advice would be appricated. Many thanks.
  6. Hi, has anyone ever upgraded their phone with Vodafone and then decided to hand the device back during their 30 day cooling period? If so do you know if they can offer you special deals for other phones? I’m thinking of returning my iPhone 8 and getting an iPhone X, thanks
  7. Hi, has anyone ever upgraded their phone on the Vodafone website and then a week or so later they would like to change it? Iv got the iPhone 8 but would like the iPhone X, I’m just wondering if anyone has done this by contacting the returns team and they offer some sort of exchange as in can they give me the new phone with a similar deal to what I’m paying just now and then return this phone once it’s set up and get the upfront cost refunded also? many thanks
  8. Recently Online using a CC I bought a Tyre Pressure Management System from Fit2Go. At the time I was unable to access their T&Cs etc. the unit was delivered however it was no longer needed so I returned it the next day which was the 24th Aug. I also emailed them to ask about the returns policy but got no answer until today. They state; "Unfortunately we only take returns back if the item is within warranty and is faulty. Can I ask why you don’t think it will be suitable?" I was under the impression that most stuff anything bought Online could be returned within 1
  9. Hello hope someone can offer some advice. I brought a bike using a e voucher with halfords. I brought it for my son, but he doesn't like the one I have brought, It is brand new and boxed, as I thought he would enjoy putting together himself too. I took it back to halfords and asked for a credit note/voucher so he can come in when he was ready to choose for himself, I should just add he is autistic and does not like to be rushed and likes to take he's own time on things. But It is under a week old too. They said I couldn't, as there is nothing wrong with it, I understand, but it is still
  10. Hi guys, I bought a used car last week that was described as a 'superb example' with absolutely no mechanical issues. The same day, on the way home from the garage, the engine was misfiring. It was diagnosed by a mechanic two days later and a report written. I agreed to return the car for repair having initially been refused a refund - a 100 mile journey. 20 miles into the journey the car was misfiring constantly - vibrating/shuddering. It did not feel safe to drive. I called the dealer and stated that I would like to return the car for a full refund, as we have suffered enoug
  11. Hi everyone, I have an issue I am a little confused with, as in what to do about it and who to tackle. I purchased an item from Amazon, a router, sold by Ebuyer, via Amazon, this was on the 24th June. The router as it was not really working as advertised, such as, WiFi dropping, wired clients dropping, phones and tablets not being able to connect to the WiFi unless rebooted, and generally it was a poor experience, I updated the firmware as recommended by Netgear and gave it another week but not much seemed to change, so I made a request with Amazon for a return on the 30th July. Am
  12. I will try and be as brief as possible with this. My partner hired a taxi from a local cab hire firm back in July 2017. He paid a deposit on taking the car. The original car had a lot of problems and kept getting taken into the garage for repairs. As it was licensed to another county, they could not provide another vehicle when repairs were being made and therefore could not work. Another time with this particular car, was told it was repaired, filled the tank £50 and then it broke down again (no recovery or breakdown service offered either, despite paying £200 per we
  13. I invest money for trading in this company after they will call me 5 times after they never receive my call and not reply on whatsapp. I've worst experience during this session. Still, they not refund my money. Kindly Help me for this issue.
  14. Hiya I have already CCA’d Moorcroft but I want to send one to the original creditor as well - can anyone confirm if this is the correct address thanks Customer Advocates Office MBNA Limited Chester Business Park Wrexham Road Chester CH4 9FB Thanks
  15. Any legal guys here need help In January I needed to be fitted with a pacemaker. My surgeon told me that I must inform the DVLA but to also tell them that I had fully recovered due to the procedure and me bionic heart. Soon after I told them by phone and they said I would get a questionnaire to fill in. The facts ----- Due to the questionnaire not being returned in time my driving license has been revoked. Following a telephone call today I was informed that My license will not be reinstated even though they have the said questionnaire in their possession. I have info
  16. I bought an item on Ebay, which the seller claimed had only been used 1 time and was in excellent condition, the only reason why i bought the item. The item arrived damaged, i requested a return as item not as decribed and arrived damaged. Seller refused to accept a return, instead she blamed me for the damage, saying i had caused the damaged and had swapped item and the pictures I had shown of the damage were fake. Seller claimed she has a witness who saw her send the item in mint condition, but i told her it arrived damaged with a dent/chipped, with scratches etc and obviously no
  17. Hello all. I submitted a claim using MCOL a few weeks ago for a Deposit I gave to a Landlord (LL) when I lodged with them for 6 months, a total of £600. I am claiming that amount, including interest and court fees totalling just over £700. I took all reasonable steps to get the deposit back but the LL started blanking me and made promises to pay but never did. I started the MCOL process and they submitted an acknowledgment of service, stating they are going to defend the entire claim. Fair enough, thats their right. However herein the problem lies. I had b
  18. Last year I booked a transatlantic return flight from Madrid with Iberia, on behalf of a friend of mine who moved to Madrid years ago. It was an expensive flight to start with and the email from Iberia stated that date changes would incur a penalty of between US $195 and $325. She changed the return date and was told over the phone that she had to pay over $500 to change the date. She argued about it but was given some stock answer by the local Iberia office so she had to pay the amount using her card. This is clearly not in accordance with what was stated on their booking
  19. Hello all. Ordered a mobile phone from CPW on the 27th Dec Phoned CPW directly asking to cancel the contract and return the device on the 9th Jan. Customer service rep stated that the 10th of January would have been the last day I could cancel the contract. I was given the choice of returning it in store or by taking it to a DPD collection point. I asked for the DPD collection point since it is nearer. Have been ill with an ear infection which had left me with horrible Vertigo which has kept me from going to work hence why I haven't taken it to the DPD collection
  20. My son has a Mk 4 VW R32 ,( Fast Golf ) and as well as being a long term project in keeping it standard and in tip top condition ,it is also a money pit , but he loves the car . His latest project came about because of a leak from the sun roof ,. The leak caused staining and other damage to the head lining ,so having replaced seals to the sunroof , using the cars VIN number he ordered a new headlining , which was special order from the factory The replacement head lining material is not a match to the rest of the interior trim ,” A” posts “B” posts and sunroof inner panel et
  21. Hi good afternoon In December 2016 i paid a £1k deposit for some goods, i did so before January as the supplier said they're increasing their prices by 10% in Jan 2017, so its a kind of worked as a holding deposit. There was a 10k balance to be paid before goods could start to be ordered and delivered to me at the start of 2017 things financially took a turn for the worst, i couldn't continue with the business venture and over the coming months tried to pick up again but it was not possible. I then proceeded to ask the supplier if i could get the £1k deposit back,
  22. Hi everyone, My Daughter has got herself in a pickle - she is going to uni and against our advice re-signed her tenancy agreement that doesn't start till June 2018 my wife was the guarantor but she has not signed and my daughter has not paid any deposit yet. she has now fallen out with the others that she is sharing with currently and does not want to continue staying there next year after the current agreement expires in June 2018. She has been in touch with the letting agents who have told her that there is no way out since she signed unless she finds someone hersel
  23. Good morning,I am looking for advice on where I stand legally when landlord is trying to claim all of my deposit on a property I have now left. I lived at the property for seven years but was given one months notice to quit on October 4th(rent due on 5th of month) as the landlord informed me that she was selling the property after failing to remortgage it. I told her that I believed I required two months notice but she said that I was wrong,however I cooperated with many viewings on the property and was informed that the property had been sold and vacant possession was required. T
  24. :|My wife is a Carer who uses her car to visit clients homes. She's employed by an agency, but, doesn't receive a fuel allowance. She went on the HMRC website and filed what she thought was the appropriate form for claiming fuel allowance. She was told she would have to fill in a tax return form that would also include an expenses form. Being PAYE she had never had to do this before. So, she fills in the form, sent it off, and the next thing is she gets a letter telling her because she put her form in late,she had incurred a £100 fine and had (I think) 14 days in which to pay or it would inc
  25. Hi I have posted previously re a debt my son has in Dubai He was self employed while out there for 5 months. We have now come to do his tax return and I would like to know if we can show this debt as a loss on the return. ? Thanks in advance. https://www.consumeractiongroup.co.uk/forum/showthread.php?480103-dubai-debt-and-CWD
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