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    • I haven't heard of them asking for photographic evidence in this way before – but I don't think it will really pose a problem. Have you got a history of sending parcels which were then lost and you had to claim for? When you send your letter of claim? Was the item properly declared? Was the item correctly valued? Please answer these questions and then take at least a couple of days reading very thoroughly the stories on this sub- forum. There are lots of them. Read some of the pinned topics at the top which will explain the principles and then read the stories to see other people's experience. Post up your letter of claim in PDF format so we can see what you sent.  
    • Just to clarify - it was the lender who undertook works, not me.  They racked up huge huge sums in refurb costs - which were completely unnecessary.  They have been trying to charge all the costs to me.  Of course, I refuse to be held accountable - in my defence and counterclaim.   (I refuse to  be held liable for these works costs whether vat was or wasn't added - I maintain its the lender that must cover the costs).  It was a ridiculous sum of money and made no difference to their ability to sell either.  As its still unsold.    I can see - from disclosure paperwork - that the lender ceo uses this contractor all the time on other properties - for himself and for the bank.  The payer may not be responsible for the contractor's failure to add vat - but the ceo can clearly see it's not being charged - and again and again on all his jobs.  So he is complicit even if not guilty of the actual fraud.    I admit I'm angry with them. The sheer injustice and arrogance (that they could/ can do whatever they want and get away with it - has been astounding.  It's why I have fought so hard to get justice.  This particular issue is just another niggle.  They think they are above the law; can circumvent it - with no consequences / repercussions.    Thank you dx for pointing me to the link. I will now follow that up
    • I have posted the letter off today - sent recorded delivery, so should get to the Police early next week. I also walked along the street where this happened and checked if there were any CCTV cameras or video door bells in that section of the road, but could only find one. I talked to the owners of the house with the camera but they say it is set to only cover the area leading up to the house and not really the pavement or road and footage also auto deletes after 72 hours, so anything captured would be gone now. That was disappointing. I walked along the road a bit more, but couldn't see any other video door bells or CCTV, so that didn't help.  I always thought most people have at least a video door bell these days but not in that road... 😐 So came home a bit disappointed.  If anything else happens I will post an update here, but may not be for a week or so. Not sure how long this will take now.
    • Hi all.   I've just cancelled my Virgin Media because my Wife and I are going abroad for 12 months or so. My Son will be staying in our home, and wishes to start a contract with them. He signed up to a great deal for New Customers online, and a Contract Agreement was signed online. He had a delivery date for a Self Installation Kit but it never arrived. After speaking to numerous Virgin Media Staff online, they are insisting that he calls their Pre Installation Team (I presume that is their sales Team to try and get more money). He doesn't want to speak to them over the phone. He doesn't mind doing a Live Chat, but he hasn't got an Account Number yet, so that's impossible. He even had a chat with a Team Member on Whatsapp, who say they don't have access to the information they need, so he has no option but to call them. Why can't they just be straightforward with their Communications? Is there any other option other than calling them?   TIA.
    • Hi All, I'm looking for help with a P2G claim for another lost parcel. Given the wealth of information on this site, I'm hopeful that this should be an easy one to fix, but want to be sure I have everything. On the 6th March, I contracted with P2G to send a parcel (a £600 Pioneer AVH-Z7200DAB car stereo which is not on either P2G or EVRi's excluded from compensation or prohibited items list) using EVRi, sent it off, and that was the last I heard of it. The EVRi tracking showed that the parcel had made it to the national sorting hub at 2:12 on the 7th, and then vanished. By Friday, I had started to get nervous, and so, raised an enquiry. And then another, and another - well, they weren't responding, and I couldn't get their telephone one to work, I think in all, it was more than 15 enquiries. I also raised an investigation with P2G as well. EVRi closed the enquiry confirming a loss on the 19th March, and P2G near the end, although P2G closed it claiming that I needed to send photos of the parcel as proof - which I didn't have, and I also do not have an account with P2G so couldn't upload anything (I did test, just in case), and this is why despite receiving advice on the EVRi Fb group to send the letter before claim, I haven't yet acted. I have proof of the eBay listing, and the refund, to demonstrate that which was being sent, but P2G's insistence that I have no photographic proof of the parcel with the label - I have the photo of the goods in their box before sending, but this is for the eBay listing, and so does not show it after the fact. This I fear is what P2G will seek to rely on as a defence, hence my 10 week delay on progressing with this. But, I am more than £600 out of pocket for the loss: £600 for the item and £8.04 for the delivery fee, although my claim will actually be for an initial £611.09 to cover the cost of the loss, their delivery fee, and my 1st Class Recorded stamp for the Letter Before Claim to P2G, rising to £681.09 to cover the additional £70 cost of opening the court case if they fail to respond within 14 days. This question mark surrounding P2G's request for photographic evidence, is this likely to cause me a problem? Steve
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Moorcroft have just been Fuzzybobbled


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:D

 

Well after a 6 month battle with Moorcroft and Argos, resulted in both of them failing to produce anything resembling a CCA or even a bad scan of an application form.

 

A formal complaint to both Argos and Moorcroft for numerous threat-o-grams demanding money from me and failing provide a CCA when asked for one.

 

The result......

 

 

 

 

moorcroftwon.jpg

 

 

That's one kick in the nads for Moorcroft, and they still have two more accounts that I'm in the process of giving them a good kicking for.

 

Bring it on :D

  • Haha 2

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Thanks babybear, mine was through Morgan Stanley ish, which carries on but moorcroft dropped the ball.

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/149476-sharkie-morganbarclayfishgoldstan-leycard.html

 

 

Fuzzy

This does mean they have just punted it back to argos, is it likely they will just try another.

Sharkie

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Thanks babybear, mine was through Morgan Stanley ish, which carries on but moorcroft dropped the ball.

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/149476-sharkie-morganbarclayfishgoldstan-leycard.html

 

 

Fuzzy

This does mean they have just punted it back to argos, is it likely they will just try another.

 

It's quite likely, but have been working on another case where the OC keeps farming out an unenforceable statute barred debt to numerous DCA's.

 

The trick then is to gather up the evidence that they have been farming out debts that are unenforceable, then hit the OC with complaints, and the OFT.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Congrats on moorcrap FB...

 

i have to make a drop at moorcroft house tomorrow :eek:

 

wonder if i should tell where my cca is? :p

 

Put some dog poo through their letterbox for me :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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:D

 

Well after a 6 month battle with Moorcroft and Argos, resulted in both of them failing to produce anything resembling a CCA or even a bad scan of an application form.

 

A formal complaint to both Argos and Moorcroft for numerous threat-o-grams demanding money from me and failing provide a CCA when asked for one.

 

The result......

 

 

 

 

moorcroftwon.jpg

 

 

That's one kick in the nads for Moorcroft, and they still have two more accounts that I'm in the process of giving them a good kicking for.

 

Bring it on :D

 

 

 

 

Hi,

 

 

Well done!!!

 

And, not that you'll need it, good luck with the other cases!!!

 

 

Jeff.

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The mysterious 'K Dyde' ... signed mine as well. ;)

 

She's one hot lady. I want her number. :D

 

Then I can call her 5 times a day until she's reduced to tears.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Guest forgottenone

Yes. Trying to decide, whilst it says 'Mrs K Dyde' ... whether it's the same person actually signing ... looks similar, but the pen strokes don't match ... although would depend upon certain factors, stress etc at the time of signing ... also type of pen ... but there is a remarkable difference ... but they do look like either a '2' or 'the mark of Zorro'. :D

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I think the sig depends on how many vunerable pensioners they've managed to screw a few quid out of. Set against how many "we have no cca and reluctantly had to send the account back to the OC."

 

The more drippy and careless the sig, then we know she's had more peeps from the CAG using their legal rights. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Guest forgottenone

Actually, looking again at mine ... if you turn it or mentally turn it different ways round ... looks a bit like a pictogram from an ancient language. Made up DCA language, of course. ;) Looks a bit like a swan.

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Actually, looking again at mine ... if you turn it or mentally turn it different ways round ... looks a bit like a pictogram from an ancient language. Made up DCA language, of course. ;) Looks a bit like a swan.

 

could it possibly be a dead duck by any chance?

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Deffo a dead one.

 

Does anyone have some Paxo handy? I hate to see good food go to waste.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Hi Fuzzy,

 

I guess that`s a slight relief for you, for the time being.

 

I was originally being pestered from Morecrap over the Argos account, and I received exactly the same letter as you, word for word. I`m sure mine was also signed by the ever-so-hot Mr`s K Dyde.

 

That might not be her real name, it could be some dodgy cult message, that Mr`s K has died, everyone.

 

Anyway, enough of the gibberish, my account was then passed to Fredrikson who DID turn up with a CCA, all be it a dodgy one. Now as you you, it`s BJ :p who are sticking their neb in now. These knob jockeys don`t seem to be giving in as easily. Either that or they are simply dim.

 

Enjoy the piece while it lasts.

 

Regards

 

 

Neil.

 

 

P.S I see vincentfan reading this, how are you VF?

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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I'm ready and waiting for the next DCA Argos try next. But then I will hammer Argos for farming out a so called debt both Argos and Moorcroft have failed to provide a CCA for.

 

The battle may be won, but the war is far from over. :p

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Have they sent you anything at all on this one?

 

I received a dodgy scan of the front page of what looks like an application form, they did not include the rear side, or any T`s & C`s, just a scan/copy of a single side. You may have read it on my thread.

 

Also, do you have any statements from Argos? I received screen prints. Now, There are charges also applied, and also PPI. But, they are added together each month and labeled as `Other` on the statements. They are not labeled as `Charges` or `Payment Protection Insurance`, so what the hell are we supposed to do with that? Dodgy eh?

 

Regards

 

 

 

Neil.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Have they sent you anything at all on this one?

 

I received a dodgy scan of the front page of what looks like an application form, they did not include the rear side, or any T`s & C`s, just a scan/copy of a single side. You may have read it on my thread.

 

Also, do you have any statements from Argos? I received screen prints. Now, There are charges also applied, and also PPI. But, they are added together each month and labeled as `Other` on the statements. They are not labeled as `Charges` or `Payment Protection Insurance`, so what the hell are we supposed to do with that? Dodgy eh?

 

Regards

 

 

 

Neil.

 

I CCA'd both Moorcroft and Argos at the same time. Got nothing at all from either of them.

I know from someone who worked at Argos they faxed the applications to head office for approval. Then in store they shredded the originals 6 weeks later, so all Argos have is scanned faxes of application forms. They're totally unenforceable. And they know it, but still farm it out to DCA after DCA.

 

That's why I'm keeping a paper trail of OTF breaches to hang them with later on, when I have enough evidence.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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I CCA'd both Moorcroft and Argos at the same time. Got nothing at all from either of them.

I know from someone who worked at Argos they faxed the applications to head office for approval. Then in store they shredded the originals 6 weeks later, so all Argos have is scanned faxes of application forms. They're totally unenforceable. And they know it, but still farm it out to DCA after DCA.

 

That's why I'm keeping a paper trail of OTF breaches to hang them with later on, when I have enough evidence.

 

 

 

Hellloooo again,

 

Really? That is VERY interesting, how old is your account? I think mine is around 5 years I think. Do you know if they do that with ALL applications? I think at some point they will have started keeping them enforecement purposes.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Just a thought, have you checked out my CCA at all? When I first received it, I honestly thought it looked like a dodgy fax or microfiche copy. If it was an original copy, then they seriously need a new copier.

 

PT2537 seems to think it is totaly unenforceable, but the idiots they unleash onto us don`t seem to share that thought.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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My Argos account is about 2.5 years old, application done in store by a cute girl in a skimpy top, so that's why I signed up. She get's comission, I got the card and didn't use it until my mate gave me a great tent, and as a result I "needed the rest of the camping equipment", so I used the card to the tune of £750 then got made redundant from work, and they threatened me. Luckily I discovered this site and my legal rights before they could do anything. ;)

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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  • 2 weeks later...
Just a thought, have you checked out my CCA at all? When I first received it, I honestly thought it looked like a dodgy fax or microfiche copy. If it was an original copy, then they seriously need a new copier.

 

PT2537 seems to think it is totaly unenforceable, but the idiots they unleash onto us don`t seem to share that thought.

 

I've seen a few poor copies of application forms from Argos on here. They do look like Microfiche to me. A dead giveaway with Microfiche copies is that all the dust specks under a magnifing glass look square and curves on the larger letters an curves on signatures looked a bit jagged.

 

Usually if they produce a poor quality scan of anything, then it's very likely they only have a digital copy of the document and not the original, which they would need in court. You could then contest the validity of the document as digital copies can easily be altered/tampered with.

 

Here's what the Law Society have to say about this.....

 

What is the evidential value of a photographically or electronically stored document where the original has been destroyed?

Until the law and practice of electronically storing documents is clarified, it is only possible to provide general guidelines. The Law Society advises that:

(a) A microfilm or digital image of any document, for example in a solicitor’s file, will be admissible evidence to the same extent as the document itself, provided that there is admissible evidence of the destruction of the document and identification of the copy.

(b) Written evidence of the destruction of the original and of identification of the copy will enable the microfilm or digital image to be cited as evidence in subsequent criminal proceedings (under the Police and Criminal Evidence Act 1984) and in civil proceedings (under the Civil Evidence Act 1995).

Edited by fuzzybobble

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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