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Found 88 results

  1. Hi, this is my first post, please be gentle:smile: I submitted a request to HSBC in relation to PPI that I am certain I had with HFC Bank for two items of computer equipment that were purchased in 1995 and 1997, as I believe PPI was automatically added as a pre-tick? The total amount of both repayments were in excess of £5k HSBC came back negative and asked in their reply whether I had copies of the agreements, number etc. which I don't! I then did a SAR request to Dixons (PC World) which verified that I had both of these agreements with HFC Bank, although they could not give me any agreement numbers? I do have copies of bank statements which cover both of these transactions, which show HFC Bank as the recipient of the direct debit. My questions are as follows; Should I do a SAR request to HFC Bank to see what other paperwork they have, or should it be sent to HSBC, if so to where, and what other paperwork would they want from me? copy of driving licence, utility Bill etc. At the back of my mind I think that I also had some dealings with Beneficial Finance and Hamilton, all now HSBC. Can I do one SAR for all three given that they are all in the same group? Any advice you can give me is appreciated.
  2. Hi all My wife recently received a County Court Claim Form which we have decided to dispute in full. I've completed the details below. I would be really grateful for your help with next steps. From reading other threads it seems my next move should be to send a CCA request to the Claimant and a CPR 31:14 request to the legals reps. Is this correct? Thanks --- Name of the Claimant: Cabot Financial (UK) Limited Date of issue: 09 Jan 2019 - Defence form submitted online on 24 Jan 2019 What is the claim for: By an agreement between JD Williams Ltd Re Fashion World & the Defendant dated 11/10/2015 ('the Agreement') JD Williams Ltd Re Fashion World agreed to issue the Defendant with a credit account. The Defendant failed to make the minimum payments Due & the Agreement was terminated. The Agreement was assigned to the Claimant. THE CLAIMANT THEREFORE CLAIMS 1. 688.36 2. Costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol)? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? N/A What is the total value of the claim? £688.36 amount claimed + £60.00 court fee + £70.00 legal representative's costs = £818.36 Is the claim for: Catalogue When did you enter into the original agreement before or after April 2007? After Is the debt showing on your credit reference files (Experian/Equifax /Etc...)? ***Wife is checking - will update*** Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim Unsure Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year? No Why did you cease payments? Account was settled What was the date of your last payment? Unsure Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No, as N/A
  3. Unknown warrior from World War 1 given final resting place READ MORE HERE: https://www.gov.uk/government/news/unknown-warrior-from-world-war-1-given-final-resting-place
  4. Hi, I need a bit of advise in regards to what should I argue against PC World (DSG Retail Limited) if I go in court. A short description of the event: I bought a Samsung Series 8 TV in 2016 for £1499.99 + Knowhow care plan for 5 years later with in a week the price dropped by to £1399.99 went to the store told this to a manager and he happily refunded the difference and also informed me that there a FREE BR Player in offer with this TV which he given me along with refund. Now back to 2018 in Jul 18 my TV had some fault sent for repair under Knowhow care plan which came back repaired within a week now had few more faults sent back again to Knowhow in first week of Aug 18. This time I got back my TV within 7 days but still had few more faults booked in again this time few days after collecting I have been asked to contact customer care which I did and they informed me that an accessory (One Box) is lost in transit by courier agent. Now after investigating for few days they offered to replace my TV under 3 repairs in short period of time & not returned to customer with in 7 days clause. On 11/08/18 I received my Voucher code after calling customer care they were unable to tell me the amount on voucher due to some system error. I immediately rushed to the store at around 10:30 AM and gave the provided code to the staff. They confirmed that the amount on vouches is around £680 including the pro rata charge for care plan balance of £126 as this I already paid in advance. They also confirmed that the best match to my old TV is Samsung Q7 series but as the price of the TV at that time was £1799 they will try and sort this out for me. Then the run around started until 16:30 the store staff came to me and informed as the price of the new TV is too high they can only do Samsung Q6 series which I didn't want as this was not a match specification of my old TV. After lots of argument and discussion and the misinformation provided regarding Q6 which was also false advertised on their website I was so frustrated as I was in the store since 10:30 AM and till 17:30 believing on the specification and confirmation provided by staff that this TV did match and have higher specification than my old TV I agreed to take this and they also informed me that if this TV is not good enough I can return with in 28 days anyway. Now comes the paying part They said that they can only refund the amount 0f around £1264.99 including care plan prorate charge of £126 this is after deducting the price of FREE BR player of £259.99 I argued it was free but they keep arguing that it was a bundle when clearly it was not as per the advert on their website which I discovered later and got proof of it to produce in court if needed. At the end they agreed if I take Q6 they will put the money towards it I agreed we proceeded to pay. Now the store staff came back to me again and asked me if I have got money in my account and asked for my card this I really got a shock (which can be seen in their CCTV if they bring in court) he said nothing to worry about they will take the payment and immediately return to my account as credit. As he confirmed to return the money I given him my card and he took £250 from my account but only returned £150 upon asking he said that they will only put around £40 towards new TV rest I need to put but i this was never informed to me at any point. They also informed me that I can contact Knowhow customer care to refund the money of the BR Player. Now after this all saga started since morning I was in store for nearly 8 hours without any breakfast or lunch and so frustrated I decided to leave now with the TV and contact customer care later to sort this out. I found that the TV is falsely advertised on their website, the specifications are wrong . whenever I contact customer care they ask me to go to store to sort out in store they ask to contact customer care and they also refused me to return the TV even on the next day of purchase. I wrote e letter to the store and their legal team which they never replied to. later send a letter before court action to both again but they never replied. As there was no reply from any of them even after 14 days on 02/10/18 I have now raised a online claim against Currys Store and DSG Retail Limited for which still have not received any defence letter from Currys only received a letter from their legal team stating that I cannot include Currys store as this is part of DSG retail and that upon checking they confirmed that the care plan was in my wife's name so I can't take them to court. I replied them on 22/10/18 I included both store and DSG as when ever I been to store I have been asked to contact Knowhow customer care and upon contacting then they keep referring me back to store. In reply to me putting claim against them I have already posted them a letter of authorisation from my wife on 10/09/18 with the letter before court action a copy also included in current reply. now can you please advise my possibility winning this case and what should I add to strengthen my case. Please also advise how I can add attachments to my post so I can attach all the documents sent. Many thanks in advance. Vicky R
  5. Hello This morning I received a letter titled "Overdue Account" from Lowell chasing a JD williams debt. I am not sure of any dates or information regarding this account. I believe my next step is to SAR JD Williams to get all information. It is possible that this defaulted in October 2011. If someone could someone give me a nudge in the right direction that would be amazing. Thanks DC
  6. Seven british Army soldiers killed during World War 1 are honoured as they are laid to rest READ MORE HERE: https://www.gov.uk/government/news/seven-british-army-soldiers-killed-during-world-war-1-are-honoured-as-they-are-laid-to-rest
  7. Grave of a Seaforth Highlander rededicated 100 years after he was killed in World War 1 READ MORE HERE: https://www.gov.uk/government/news/grave-of-a-seaforth-highlander-rededicated-100-years-after-he-was-killed-in-world-war-1
  8. Rededication and burial services for first world war soldiers READ MORE HERE: https://www.gov.uk/government/news/rededication-and-burial-services-for-first-world-war-soldiers
  9. Hi all, Just thought Id post a pic of my identical twin boys who entered the world on 13/12/2017 at 0709 & 0720. Doc1.pdf I hope you can all give me a little leaway if I ask stupid questions or seem lazy this week, were (my partner and I) both burned out already an to top things off one of them have a cold so even less sleep.
  10. Tests show billions of people globally are drinking water contaminated by plastic particles, with 83% of samples found to be polluted https://www.theguardian.com/environment/2017/sep/06/plastic-fibres-found-tap-water-around-world-study-reveals "The US had the highest contamination rate, at 94%, with plastic fibres found in tap water sampled at sites including Congress buildings, the US Environmental Protection Agency’s headquarters, and Trump Tower in New York. Lebanon and India had the next highest rates." "European nations including the UK, Germany and France had the lowest contamination rate, but this was still 72%." and this report is on TAP water - dont forget the fish and beaches. "the results of a study by Plymouth University caused a stir when it was reported that plastic was found in a third of UK-caught fish, including cod, haddock, mackerel and shellfish." https://www1.plymouth.ac.uk/research/mberc/Research/Marine%20pollution/Pages/Plastics.aspxhttps://www.theguardian.com/lifeandstyle/2017/feb/14/sea-to-plate-plastic-got-into-fish "The most common plastic types were Polyethylene terephtalate (PET) comprising 20% of the samples followed by Nylon 6% and Acrylic 5%. "
  11. On the 11th Hour, 11th Day, 11th Month the First World War Ended "Armistice Day" In Flanders Fields Poem In Flanders fields the poppies blow Between the crosses, row on row, That mark our place: and in the sky The larks still bravely singing fly Scarce heard amid the guns below. We are the dead: short days ago, We lived, felt dawn, saw sunset glow, Loved and were loved: and now we lie In Flanders fields! Take up our quarrel with the foe To you, from failing hands, we throw The Torch: be yours to hold it high If ye break faith with us who die, We shall not sleep, though poppies grow In Flanders fields. Composed by Lt Col John McCrae at the battlefront on 3 May 1915 During the Second Battle of Ypres, Belgium
  12. Two World War 1 soldiers have finally been identified a century later READ MORE HERE: https://www.gov.uk/government/news/two-world-war-1-soldiers-have-finally-been-identified-a-century-later
  13. Hi all, I wanted to share my experience with PC World in relation to my broken laptop I bought a Levono Yoga 2 touchscreen laptop in March 2015 for my wife, For the price of £599 and it has been great until 2 weeks ago it just failed to power up i booked it in to PC world's Know how, Paid the £60 and they sent it off to be repaired, They then contacted me and told me that it would cost £447 to repair as the motherboard had failed, As you can imagine, I wasn't going to pay that to fix it and asked for it to be returned so i could recover all my wifes files from the hard drive When i got home i googled PC World customer services and registered a complaint online saying that i thought a laptop should last longer than just over 2 years, A few days later i got a call saying that i need to take it back to the PC World branch, Get it varified that it wasn't working, Which seem odd as they had made a report on it, And they would issue a pro rata refund i have gone in today, They returned the £60 that i paid, And issued a £306 pro rata refund voucher, to replace it with a brand new laptop, Cost me an additional £103, Not bad for 2.5 years use I read lots of bad stories about the Currys/Dixon group But in this instance, Hats off to them
  14. Hi bought a computer for my daughter 4 days ago from currys/pc world. It was described as a social computer which means just basic use. I said thats fine she's only 11 so as long as she can play basic games and watch you tube that's ok. The assistant said yes. got it home and it was absolutely terrible. I think it took 6+ hours for all the updates, not sure exactly on the time but went to bed and left it on overnight. The next day my daughter put it on it did even more updates for half an hour and on the left side of the screen a name popped up (something??) whatmann? I just had a feeling it had been used before (was sealed when bought though). she managed to just add a desktop pic and couldn't do anymore because it was that slow. I decided to take it to my sisters house incase it was down to my Internet running slow, so tried again there. We could barely open a page without it freezing, took about 15 mins trying to open 3 tabs and wouldn't close them straight away either also YouTube was buffering so no music either and the front speakers set at 100% played at about 20/30%. Checked reviews later and they were all terrible, I've looked online about taking it back and people have all put their experiences saying they won't refund as item open and used, but if I didn't open and try how would we know. I really don't want to be stuck with this as it won't be and can't be used, I genuinely think it's faulty. Does anyone have any advice on my rights with returning it? Thank you. Packard Bell All in one 4gb ram 500 storage Hard drive £329 down to £249
  15. A new trade analysis reveals the scale of Britain’s role in the international ivory trade Britain was the world’s largest exporter of legal ivory between 2010 and 2015, a breakdown of records held by the Convention on international trade in endangered species (Cites) has revealed. Not only did the UK export more ivory than anyone else to Hong Kong and China – which are considered smuggling hubs for “blood ivory” - it also sold on 370% more ivory than the next highest exporter, the USA. The new trade analysis, which is being released ahead of World Elephant Day on Saturday, will embarrass the government https://www.theguardian.com/environment/2017/aug/10/uk-named-as-worlds-largest-legal-ivory-exporter Tories quietly ditch manifesto promise to ban bloodthirsty ivory trade that kills thousands of elephants a year Prince William has backed calls for a ban on ivory sales, saying he is “not prepared to be part of a generation that lets these iconic species disappear from the wild”. https://davidshepherd.org/wp-content/uploads/2017/05/Letter-to-the-Telegraph.pdf committed to ‘press for a total ban on ivory sales’. But while we wait for them to act on it, since 2010 up to 200,000 elephants have lost their lives to the brutal ivory trade across Africa alone . The UK is trailing behind China, the USA and even war-torn South Sudan in taking domestic action to follow through on the manifesto pledges. China is honouring its pledge to end their domestic ivory trade in 2017. https://davidshepherd.org/wp-content/uploads/2017/05/Letter-to-the-Telegraph.pdf Elevents - World Elephant Day Elephants have a special place in our hearts at Myakka and feature on a wide range of our designs, ... Date: World Elephant Day, Saturday, August 12, 2017 http://worldelephantday.org/events
  16. https://www.theguardian.com/commentisfree/2017/aug/03/britain-world-beater-ripping-off-citizens-rail-fares-water-energy-bills British Gas increases its electricity prices will rise by 12.5%, starting next month. Just as the cold nights start drawing in despite the competition watchdog judged last year that British Gas and other energy giants were taking well over a billion pounds a year through “excessive prices” Thames Water divvied up £1.6bn in dividends to its small circle of shareholders Hinkley Point, at an estimated cost to British households of £30bn taxpayers still pay £12,000 a day for shut down pfi schools Tories currently trying to stealth sell off to the private sector for just 50 Million quid part of the NHS that SAVES the NHS 70 million pounds a year "These are all examples of the public losing control – over our bills, over our taxes, over our water and trains and schools. Will freeing ourselves of the shackles of the European court of justice or EU state aid rules or any other Brexiteer hobbyhorse allow us to “take back control”? On the basics that govern our lives we have lost sovereignty. Brussels didn’t sell us down the river: Thatcher, Blair and Cameron did."
  17. I thought this little bit of history was interesting Read more : - http://cag.tw/22rr
  18. World War 1 soldier who was killed in the Battle of the Somme finally laid to rest a century later READ MORE HERE: https://www.gov.uk/government/news/world-war-1-soldier-who-was-killed-in-the-battle-of-the-somme-finally-laid-to-rest-a-century-later
  19. Service of commemoration for 7 World War 2 Royal Air Force (RAF) servicemen READ MORE HERE: https://www.gov.uk/government/news/service-of-commemoration-for-7-world-war-2-royal-air-force-raf-servicemen
  20. Hi, I've been in a long running saga with Idealworld over a faulty Xhose. I owned it for 2 years and 2months when it fell apart (the inner expanding sleeve parted from the fixing). There is no one that repairs these hoses I contacted IW and said I want a replacement and they said it's over a year old - bug off! I've tried Resolver to see it that would help (as it did when I used it on NatWest) and we had a dialog over 6 months where they offered me exactly 4/6 of the original price of£56 and then they went silent. A month ago I was told by ConsumerGAA (which is what you get instead of Trading Standards) to write to warn them that I would take them to the small claims court - the deadline has passed and nothing has happened now I either have to back off and right off the money or risk taking them to court and the debts that it could incur Thoughts?
  21. World War 1 soldiers finally honoured after over a century READ MORE HERE: https://www.gov.uk/government/news/world-war-1-soldiers-finally-honoured-after-over-a-century
  22. World War 2 Royal Warwickshire 2nd Lieutenant's grave identified after almost 77 years READ MORE HERE: https://www.gov.uk/government/news/world-war-2-royal-warwickshire-2nd-lieutenants-grave-identified-after-almost-77-years--2
  23. READ MORE HERE: https://www.gov.uk/government/news/unknown-world-war-1-soldiers-graves-rededicated
  24. READ MORE HERE: https://www.gov.uk/government/news/armistice-day-marked-by-services-around-the-world
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