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    • Morning all, a while since I've been here....I contacted my bank regarding the matter and they took the decision to take "charge back" action against QVC, I initially got the money back and then letters from QVC basically stating I had defaulted on my payments and owed them the money Nationwide had claimed back, just as BF speculated they would. In short I repaid QVC to avoid having debt collectors after me, and having contacted CAB am now in the process of writing to Evri outlining my claim. CAB provided me with a basic template for the letter so I'll see how that goes. Regards.
    • Well you could say that you have pictures where the signs were not on the wall where you parked so would require strict proof of when they were erected . But in any case it was dark so even if a sign was there you didn't see as it was not illuminated. Little point in not having signs that can be seen at night though it obviously makes it easier to issue PCNs and pursue motorists claiming they have breached non contractual contracts whilst breaching those same motorist's GDPR.
    • It fizzled out, they kept delaying the complaints process. In the end I believe they stopped charging me for a bunch of services, unsure if it was deliberate or a mistake so I stopped bringing it up. Ultimately we bought a house and moved out.
    • There are so many factors, and local elections are often far more about local issues and people, but the one previously general rule in a general election are that the hard core Tories vote Tory and hard core Labour voters vote labour   Gaza seems to have dulled both the muslim and Jewish labour votes more than the Tories - and I can see why - but do the muslim voters really think that the Tories will do ANYTHING other than talk and then do whatever the Americans say - and thats support Israel whatever they do first and foremost in real terms? Reform has unquestionably affected the Tory local vote - so should affect the GE vote a bit more, but has largely been factored in - reform isnt new in any way - its all Brexitish although there seem to be far more ex 'conservative' core reform/ukip/brexitish voters than ex 'labour' core voters - about 6-8% of the national vote in a GE seems to me. A little up on prior brexitish/faragits scores But the large swathes of center ground voters who decide who wins the election seem to have utterly deserted the Tories in their millions - although they have gone to labour, libdems and greens - and many real conservatives are in limbo despite Sunak being naturally more a thatcherite than most - his party currently seems far less so. Johnson promised much, and many were taken in, just as people (inc me) made that mistake with Farage in the early days - but we now know that they are self serving liars who can't be trusted with anything - although I still think it likely The Liar will be back - but most likely after the GE (60/40) Starmer is lacking in charisma and presence, but others in his cabinet should shine. But Corbynistas could still cause trouble - another group that seem happy to drag everything down if they think it suites   Johnson perhaps could reunite some of the Tory party - but he seems to have numerous criminal and political convistions sitting in the background should he try Lying about giving preference to dogs in the Afghan evacuations - and lying about it Unlawfully proroguing parliament embezzlement re funds and spending (eg flat referb) .. repeatedly Taking jobs before he should after being booted - should lose his PM pension and rights over that IMO the list goes on ad nauseam
    • Hi I am negotiating with my ex (commercial) landlord's solicitor for a debt I owe for rent. This has been going on for a little while and I expect they may go ahead with the court action they threaten. I wanted to ask however, In the event this action goes ahead, I think will have a response pack sent to me from the court, along with the claim. Google tells me that a section of this response pack is a 'Admit the claim and ask for time to pay'. Would this time to pay, if accepted also mean a CCJ registered against me? Thanks
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Zavvi gift cards


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Not sure if this is the right place to post this but....went to Zavvi yesterday (boxing day) to use my 2 sons xmas presents - 2 x £30 gift cards, purchased by their cousin for them back in the beginning of november. After spending the best part of 3/4 of an hour battling the crowds in the store to find some dvds and finding the back of the queue my wife was approached by a member of staff & asked if we were paying by gift card. When we said yes he apologised & told us they were not honouring gift cards or vouchers as they were in administration, then gave us a piece of paper with a statement about vouchers & gift cards purchased after 27th november & a number to call to speak to the administrators, we told him they were purchased as a xmas gift back on Nov 7th (we had the original receipt) and he said that we would have even less chance of getting anything back in that case! Is this legal as it seems to me they have taken money for what now turns out to be for nothing? Is there anything I can do other than phoning the administrators?It seems a bit like me going into the shop helping myself to some games, dvds etc promising to pay for them in a few weeks then saying sorry I'm a bit short I won't be paying now! Before anyone says its our own fault we should have used them sooner, they were in an envelope with the instruction not to open them till xmas day as the boys cousin is in the navy & wouldn't be here for xmas. Any & all usefull ideas appreciated.

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This must be an awful let down for everyone who gave or received Zavvi vouchers over Christmas. I'm sure that the administrators would not have left themselves open to 1000's of potential small claim's proceedings so although it's not any help, they will probably have the relevant paperwork to get themselves out of having to honour these vouchers for the time being.

 

If Zavvi is bought out I'm sure the new owners would also have to 'buy' the responsiblity of honouring all the vouchers that were sold in the run up to the company going belly-up. Again, not a lot of use right now but hopefully they won't become worthless bits of paper and plastic.

 

Technically you've handed over money in good faith for what may amount to nothing. I wonder if the gift cards / vouchers came with this clause in the terms and conditions!

 

Thankfully the only vouchers I received this year were for HMV.

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The only thing it says on the card is about it having to be used within 24 months & for full terms & conditions see the zavvi website, but on the site only says cards are not redeemable online & the terms & conditions are all about the website use. It does state however that none of the terms & conditions affect your statutory rights...well surely its my statutory right to get my money back or goods to the value of as this was the original contract! I feel for the staff which is why I didn't take exception with the bloke yestrday but the administrators are obviously not interested as its now been in the press that any cards etc purchased before 27th november will definitely not be honoured ( honoured thats rich!)

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Don't want to promote shoplifting but......................The administrators will be taking their money before ANYTHING else!:mad:

Lowell Financial (Monument) No CCA - File Closed ** WON**:D

1st Credit (Citi Financial) No CCA - Credit Report Marked 'Satisfied' ** WON **:D

American Express No CCA - Pending

RBS Mint No CCA - Pending

CL Finance (Morgan Stanley) No CCA - In Court:eek:

HSBC - No CCA - In Court:eek:

Link Financial (MBNA) No CCA - Pending

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The gift cards are only a promise to supply, they have no monetary value - and as such the stated value in these vouchers are usually, 0.0001p. It is treated as in 'in-store' credit, and if the firms goes into difficulties, then they can decide not to honour them.

 

This is a well trodden path, as it requires the specific agreement of the new owner(s) to take on these 'credit notes' and not many do unless they have the funds to ensure the goodwill continues. Virgin Megastores had plenty, Zavvi has, er, none - so I don't see this happening. (Sadly).

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Being a member of the general public who has a £50 Zavvi gift card I decided to run a survey to find out how much money Zavvi has taken.

I have therefore setup a survey at where members of the public can enter in the value of their giftcards. The site will then show how much has been registered and how much Zavvi owes the owners of the giftcards. Please note that this is by no means related to the administrators or Zavvi, you should still try to get your money back from the administrators

Edited by ukaviator
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