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Found 21 results

  1. Really appreciate anyones help here!! I ordered an iPad quite a while back now back in 2013 from Very. It never arrived and I only got an empty box. I complained to very.co.uk and they would not refund me. I contacted my bank and they suggested I raised a chargeback and I got my money back. I kept getting letters from Very stating I owe them the amount and if I do not pay I will be contacted by a debt company. I contacted my bank and was told not to pay the debt as I had not received the device. I now have a letter stating I have a default not
  2. Hi, I am posting this on a few of the Shop Direct posts as I have been working on 3 claims on behalf of a relative and want everybody who has been charged by them to reclaim their charges and all applicable interest as these are possibly the most arrogant of all the companies I have dealt with and will firstly refuse your requests and then as it goes on breach the court procedures and ignore the judges requests until they ultimately settle as of they have no defence and no desire to go in front of a judge. The final outcome on the claims is posted below as the e-mail sent to me for my r
  3. Hi Guys, looking for some advise, I was terrible with my finances years ago but after a long battle Im back on track, my girlfriend however, isnt. She struggled with the 28 day statement cycle (ridiculous system in my opionion) and fell into debt with Very. In the past she received a claim form from the courts while I was away. She admitted the debt and offered to pay a sum each month. We've just got back the acceptance part but now I can see it I'm not 100% convinced. How can you tell these forms are real?
  4. I have just had a county court claim from Lowells Portfolio Ltd regarding a catalogue debt of £144 (now £226 with court costs). I had an account with GUS Ltd dating back to the 1980s but this was taken over by KandCo a few years ago. I always paid my debts but was a bit lax about doing so on time, but it didn't used to matter with GUS as long as I paid it. When Kays took over it all changed I started getting charges amounting to £24 each time I was late, in the end I got fed up with it, in July 2011 I paid off my balance and emailed them telling them I was closi
  5. In reference to Thread found here: http://www.consumeractiongroup.co.uk/forum/showthread.php?342500-Shop-Direct&p=3759254&viewfull=1#post3759254 This thread relates to the CapQuest Account with a Balance of £884. Attached are copies of the Notice Of Default Sums & Notice of Sum in Arrears [ATTACH=CONFIG]42184[/ATTACH] [ATTACH=CONFIG]42183[/ATTACH]
  6. Hi all, Couple of weeks ago I was helping the mother unit out with paying bills over the phone, when she passed me her K&co statement. On here it had "Account Cover Plus" (PPI) and asked did you ever ask for this, reply was Nope I thought it was to do with Item Warrenty's . (something which she takes out seperatly with K&Co). I went online and brought up the statements (only shows past 6mths) and low and behold theres the PPI on each. Now my mother has had this account since 1990 (rang and confirmed date of opening) so of course $$ flashed infront of
  7. In reference to Thread found here: http://www.consumeractiongroup.co.uk/forum/showthread.php?342500-Shop-Direct&p=3759254&viewfull=1#post3759254 This thread relates to the Lowell Account with a Balance of £409. Attached are copies of the Notice Of Default Sums & Notice of Sum in Arrears [ATTACH=CONFIG]42186[/ATTACH][ATTACH=CONFIG]42187[/ATTACH]
  8. In reference to Thread found here: http://www.consumeractiongroup.co.uk/forum/showthread.php?342500-Shop-Direct&p=3759254&viewfull=1#post3759254 This thread relates to the Lowell Account with a Balance of £1080. Attached are copies of the Notice Of Default Sums & Notice of Sum in Arrears [ATTACH=CONFIG]42185[/ATTACH] [ATTACH=CONFIG]42182[/ATTACH]
  9. Hi everyone I have recently claimed back £300 pounds worth of charges from Shop Direct. My claim included interest at 39%. Howver, they state they won't be refunding interest back on these charges which nearly amounts to £280. This is my remaining balance. They defaulted me last year for £347- can I get this Default removed and claim the interest back? Thanks everyone
  10. Hi, New to the site, looking for some advice to hopefully put my mind at rest. Sorry if it seems like i'm rambling! Bit of background info first. Years ago, way more than 6, my parnert had a catalogue that she was paying off. I'm not sure of specifics, but it ran into a debt. This was all sorted at the time of the debt by the catalogue themselves, and the account closed off. Fast forward to last year, and she started to receive threatening debt collection letters from a company call McKenzie Hall. Not know who they were, or still thinking she had any
  11. I have had an additions catalogue for years and years, last year due to my partner being made redundant I could no longer make the required repayments. I kept up the repayments for a couple of months (hoping that a new job would be found) but then contacted all my creditors and advised them of the situation. They were all pretty understanding and I asked for help from one of the debt management companies, unfortunately due to their huge workload it was going to be several months before I could get an appointment - I again told all my creditors of this, gave them my reference number and told
  12. Hi Guys, I have been having trouble with littlewoods for quite some time I have sent numerous letter requesting my CCA and keep getting blank ones back, the whole reason I wanted my details was because I had late charges that I wanted to request were refunded although as I did not get the information that I requested I could not do so. To cut a long story short I sent them this letter: Re: my request under the Consumer Credit Act 1974 Thank you for your recent letter sent to me, the contents of which are noted. I appreciate your quick response to my original letter. Howeve
  13. Hello, Recently I've been trying to obtain a copy of my signed credit agreement from Lowell on behalf of Shop Direct, just a little backstory; I recently became unemployed so no longer can afford to pay off some of accounts with Shop Direct all in one go, so have been going the CCA Route so that I can give myself some more time to pay back the debts. I have 2 other accounts that were opened at the same time and I've been successful in Lowell / Shop Direct not being able to provided me with a Signed CCA so they are now unenforceable and have to accept any re-payments of an amount I cho
  14. I put in a request under CCA section 77/78 to pheonix collections I left it for 40+ days and still got no responce. I decided to log a complaint through my equifax account online and got a reply within days.. Response (Administrator)14/06/2011 03.10 PM Good Afternoon, We can confirm that we have received your request for a copy of the credit agreement in regards to this account. We can confirm that Shop Direct have been unable to provide us with a copy of the signed agreement for this account and have therefore requested that we close this account. Please be advised that you wil
  15. Hi, I requested a CCA on behalf of my mother from Very which they sent me this morning, I will post copies shortly, the CCA has no address info no signatures and no limits, also the accompanying letter states the account was opened May 2006, as far as I can find Very opened in 2009 - so unless my mother is a Soothsayer and predicted Very would start a business in 3 years times this must be extremely ropey.
  16. Hey guys, As some of you know I have been having problems with shop direct for some time, I have sent them a CCA which they replied with by telling my how many payments have been made on the account and a blank agreement. I then sent another request and they sent the same thing so I decided to sent another letter which looked like this ACCOUNT IN DISPUTE Date: 3/11/2010 Dear Sir/Madam Thankyou for your letter of 21/09/10, the contents of which have been noted. You have failed to respond to my legal request to supply me a true copy of the original Consum
  17. Hey guys, As some of you know I have been having problems with shop direct for some time, I have sent them a CCA which they replied with by telling my how many payments have been made on the account and a blank agreement. I then sent another request and they sent the same thing so I decided to sent another letter which looked like this ACCOUNT IN DISPUTE Date: 3/11/2010 Dear Sir/Madam Thankyou for your letter of 21/09/10, the contents of which have been noted. You have failed to respond to my legal request to supply me a true copy of the original Consum
  18. Hey guys, As some of you know I have been having problems with shop direct for some time, I have sent them a CCA which they replied with by telling my how many payments have been made on the account and a blank agreement. I then sent another request and they sent the same thing so I decided to sent another letter which looked like this ACCOUNT IN DISPUTE Date: 3/11/2010 Dear Sir/Madam Thankyou for your letter of 21/09/10, the contents of which have been noted. You have failed to respond to my legal request to supply me a true copy of the original Consu
  19. Hiya Everyone, I haven't posted here before, So i will introduce myself briefly, My name is Linzi Iddles, I am 26 years old with 1 little boy and a girl due on boxing day. I have been married since July 10th this year, and my questions are in relation to my husbands debts. When myself and my husband got together, it was clear to me that he had some debts with catalogues opened by an ex girlfriend, But i wasn't aware how much they came to. We have now come to nearly 10k and i am slowly and surely getting more and more stressed by the daily letters coming in demanding money and threa
  20. 8):!:Hi Guys, I am in the middle of trying to remove charges put on my account by marshall ward, after firstly sending them a letter requesting CCA they replied with a unsigned agreement, after sending a second letter stating that this is not what I asked for and that they should sort it out or consider the account being non existant, they then replied with exactly the same letter as the first a unsigned agreement. I am not sure as to what I should do next so could you please make some suggestions??? Also I would like to know if I could email them in order to speed up the process???
  21. Hi Guys! This is my first post so please excuse me if I have posted in the wrong location! Basically I really need as much help as I can get I am currently having problems with littlewoods who have placed various charges on my account. I sent a cca request with the fee on the 16/07/2010 which they sent back to me on the 6th August, minus the fee with a note attached saying "Please provide correct account reference/ previous address details" Now silly me I missed a digit of my account number on the cca request, but I am wondering why they would need my previous address as surely
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