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    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report?   The three I have with the May date are moot anyway as either way they are gone - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August so I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they.   I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc?   I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's.   Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
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      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.

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Delta microwave - Aldi


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I bought a Delta combination microwave from Aldi in January 2007. From the start it did not work properly - it worked only on the microwave and not on the combination. I took it back to Aldi, together with the receipt and was told that I would have to ring the manufacturer.

Well, what with one thing and another I didn't get round to ringing and used the microwave on the microwave setting only but very soon it developed a fault - it continued to work even when the door was open and the only way to switch it off was by turning off at the mains.

Eventually there was a loud bang and a hissing and it stopped working altogether.

As this was our only means of cooking (we were having extensive building works and had no kitchen at the time) I had to make alternative arrangements for cooking.

Eventually today I decided that it was taking up too much space in the kitchen and I either needed a new microwave or the space. There is a 3 year manufacturer's warranty with the product. I rang the manufacturer and having described the problem they told me exactly what microwave it was and to take it back to the shop.

Unfortunately, since I took it back to the shop originally I seem to have lost the receipt although I do still have my debit card receipt which shows a total (£64.99 for the microwave and about £10 for groceries).

I went back to Aldi and they said there was nothing they could do without the actual receipt (despite the fact that I took it in when I originally took it back, albeit over a year ago).

Do I have any rights at all without the receipt, bearing in mind that it does seem to be Aldi's own make?

If not, would there be any point going to Health and Safety?

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A recipt is the best, but not the only form of proof of purchase. In fact, they could very well be committing an offence by refusing to do anything without it.

 

Get them to check stock records. Have you got the box? I would report it to Consumer Direct. Stores should not be insisting on a receipt - only proof of purchase in general.

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Thanks for that information. Will ring head office first and then check with Consumer Direct. I still have the box and will have the original receipt somewhere but have not been able to find it since I took it back to the shop the week after I bought it.

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Well, rang Aldi this morning and related story - was told that I needed a different department so put me through to someone else and related the story again. Was told that the person dealing with this was at lunch and would ring back.

Anyway, she rang back while I was out and spoke to my husband and said that it was a "return to store item" and to take it back to the store. She mentioned that the manufacturer had gone bankrupt.

I was not sure whether she was aware that the problem was that I didn't have the receipt as my husband did not mention it so did not want to take it back to the store again and for them to think that I had tried to hid the fact that I did not have the receipt.

So, spent another hour hanging onto the phone, related the story again and was told that "the department you want finishes at 4.30" so back to square one again - will have to start again in the morning.

In the meantime the replacement microwave I bought from Tesco I am having to throw out as well - only had that a few months but that seems to heat up the receptacles/ glass jugs etc. - they just get very hot. Have had microwaves now for over 24 years and never known it to heat up the receptacles. My first lasted over 22 years and there was nothing wrong with it other than the switch broke - it worked perfectly. Wish I had not thrown that one out now.

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  • 7 months later...

Just an update - after writing to Aldi's head office they wrote to me and told me to take the oven into the local Aldi store which I did and received a full refund - so happy ending after all.

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  • 3 years later...

Hi,

I have a Delta Microwave ovan model MW9001 for the last three years and never had a problem.

Yesterday I used the convection facility for the first time and it cracked the glass plate supplied

with the ovan. I contacted ALDI this morning as I beleive the Manufacturer has gone bust, having been transferred to England and back again to Ireland and listening to over 5 EURO worth of music

I gave up.

I was just wondering if any of the people who had complaints about this item might have this glass tray or plate still? I would be willing to pay and cover transport.

Yours

Michael Dowling.

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