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    • Good morning.    I would like some advice please.    I recently (19th nov) bought a Samsung Galaxy S20+ from currys. I did open and set up the phone to try it out but 1) wasn’t keen on it and 2) had trouble with the usb connection when trying to connect with my car stereo.   I decided that I would seek to return it, but only on trying to return it came across the stipulation that if data/software has been installed then a refund would not be issued and after calling was told this was due to GDPR. I did point out to them that phone providers will issue full refunds even if the phone has been set-up and also that in order to be able to test the phone it requires setting up and software/data being installed but was told that it’s their policy.   I acknowledge that I may have handled it more than is reasonable in a shop as you wouldn’t be able to install software in a store, however the phone did need to be set up in order to test it, the phone has been returned back to factory settings and didn’t leave a case or the plastic film for the two days I used it for. Therefore I do not believe it was handled more than necessary.   Having looked at the CCR and CRA I called back to state that their store policy is super erred by the previously mentioned regulations and that their policy contradicts the Consumer Regulations Act.   As you cannot properly test the phone without having to install software on it, their policy creates an unfair term which I told the customer service agent over the phone who spoke to her manager and told me to contact their legal department.   I am still within the 14 day notice of return period so wish to try and preferable use this route.   Any advice at all please?
    • Here is all the details (hopefully) in one post.   The Ford Kuga was purchased from Fast Motor Finance LTD Crawley on 8th September 20 Mileage at purchase was 109520 through HP fiancé via Advance Finance Grimsby   The car was covered by a 6 month warranty that includes engine & gearbox but excludes clutches, flywheels or any wear & tear (Taken from the garages website)    Service History:   08-04-2013 Pre-delivery Inspection 26-11-2013 12809 Service (no paperwork just stamped book) 09-07-2014 25963 Service (no paperwork just stamped book) 09-02-2015 36814 Service (first Invoiced service but no paperwork just stamped book). Gearbox service would of probably been done here but can't verify. 16-02-2016 50385 Service  (Full service, paperwork and stamped book) 31-03-2017 64680 Service (Full Service, paperwork & stamped book) 13-02-2018 76988 Service ( Full service with gearbox service, paperwork & book stamp) 29-03-2019 92592 Service (Full service with paperwork & book stamp) 11-02-2020 106322 Service (Basic Service, no paperwork but book stamp)   As there was no paperwork for last service the garage which serviced the car were able to email over that the service was a basic oil & water change and that the gearbox oil and filters was not changed.   At the beginning of November the gearbox started making some noise and was having trouble selecting gear.   The finance company  asked for the car to be taken to a VAT registered garage to find out what the problem was and not to drive it further.   After the garage looked at the car the estimate was for a full service of the gearbox which would be £370 but because it had gone over Ford recommended mileage for the gearbox there would be no guarantee this would clear the problem and that would mean a replacement gearbox would be needed.   Since picking the car up in September the car has driven 1500 miles.   Spoke to the garage as was informed that the car was over 30 days old and there was nothing they could do and the gearbox would not be covered by the warranty as this would be normal wear and tear!   The warranty company said exactly the same and would not entertain us.   After countless calls and emails to Advantage finance a formal complaint was raised and they finally agreed to send one of their mechanics to inspect the car last week 19th November. The mechanics ahs reported back to Advantage that the noise is down to wear and tear and Advantage have closed the complaint and are sending out a deadlock letter that includes a copy of the mechanics report.   Would their mechanic have to be DEKRA registered to complete the report or Advance Finance own mechanic?   This now means that the car cannot be driven is still at the garage and will need a minimum of £370 to make it driveable on a car that has been driven 1500 miles since collection without a guarantee that this will cure the problem.   We are both key workers that need the car to travel to and from work as well as take our son to nursery, and at the moment having to rely of friends and family to help out with lifts.   I have spoken to Ford and they have told me these car need to have the gearbox serviced at around 35k and at a very maximum of 37.5k and have put this on letterheaded paper, I have also emailed a couple of other Ford and independent dealers to get details of this as well.   Would it be worth getting an AA or RAC inspection done to check the gearbox and to see if there is any other problems with the car.   Thanks again to everyone epically dx & Bank fodder who have helped me with advice.   JJ    
    • nothing they can do anyway so..   dx
    • I've successfully had a Claim discontinued using the exact stages recommended by Andy and DX. They are outstanding individuals in the fight against these dreadful DCA's! Good luck.   'L' will likely pull out at the eleventh hour but mean time try to fob you off with bank giro slip copies as Contract proof lol. Stand your ground!   Also my Letter Before Action actually came AFTER the  Money claim. They can't even get the pre-action protocol right.   Another thing they tried was pretending to send papers that looked like they were from the court for me to sign re: Claims Track.. Boxes had been pre-checked by them to dupe me into signing their preferred action. I printed out my own and sent those to the court instead. 
    • Talks about borrowing £30m have reportedly failed, potentially putting 15,000 jobs at risk. View the full article
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EGG CC & Loan


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Is it me? :-(

 

I have CC & Loan with Egg and have emailed recently to ask if they will put the balance of my credit card, which is around £600 onto the loan. I am trying to reduce my outgoings as much as possible due to working reduced hours from this month for a temporary period. Both accounts are up to date and the loan has approx 2 years to go.

 

They respond with anything but the answer, like phone them to speak to their collections dept! (account not in arrears)!!

 

Then today replied 'Yes you can apply for a loan'!!

 

In the process of requesting CCA's on other cards, perhaps I should start the ball rolling with Egg, just trying to get in a position to try and get F & F offers.

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Thanks cds, probably going to do CCA request this week.

 

They have replied now and stated not possible to add CC to Loan but I can apply for a new loan consolidating the two.

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  • 10 months later...

Not done anything with Egg until now and I have got my ORIGINAL CCA!

 

I will post it up as soon as I have access to my scanner at work.

 

I have just cancelled the direct debit and they have already called me from their collections dept, despite the account being up to date! Although I have broken the terms of the agreement by stopping the DD.

 

I am going to request my CCA from them and see what they produce, may be interesting!

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  • 9 months later...

Long time no post!

 

I have made an offer of payment to settle, to a DCA for this and they have refused to pass the offer on the Egg because I have refused to fill in their I & E form which they emailed to me.

 

Aren't the obliged, as an collection agent to pass ANY offer on to the OC regardless?

 

I still haven't requested my CCA lol!

 

Where has this year gone?

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  • 3 weeks later...

B.U.M.P.

 

Strange how some posts go unanswered!

 

I am sure I have read that a DCA is in breach of something if they refuse to pass an offer of payment on to the OC?

 

My Egg loan finishes soon (7yrs to pay off what might have been an unenforceable CC!) but it was at a good rate so i was happy to do it. Pity I didn't know what I know now! Although, at least it is one out of the way! :-)

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  • 2 months later...

Update, I have had a letter from Trevor Munn Solicitors today, for their client ARC (Europe) Ltd, on behalf of Egg Banking plc.

 

Never heard of ARC?

 

Says they have been instructed to prepare a County Court Claim in ten days unless substantial payment made or firm commitment to clear the remaining balance.

 

No reference to the offer I made to dlc previously!

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  • 3 weeks later...
bump (I'm in same situation - letter from a different solicitors though!)

 

Hmm, not quite the same, having read your thread ngj, fortunately I have not had to deal with the solicitors you have got on your back!

 

I have also tried to negotiate from day one on this but Egg seem to know better and it's now doing the DCA rounds!

 

Interestingly, I have received an email this week from Egg advising that Barclays now own this account and have done since 29th April!

 

Perhaps I should point this out to Trevor Munn or should I just leave them to carry on?!

 

We are only talking about a balance of around £650 before added charges and I offered dlc approx 38% but have refused to pass it on to Egg without me giving them income & expenditure details.

 

Now I am not necessarily against giving these but my expenditure fluctuates a great deal due to having to assist a student offspring who has had a major problem with a joint student tenants moving out. London rent is very expensive, without having to pay for someone else :-x!

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Hi Dotty

 

I have posted various messages on other threads regarding this but my latest missive from ARC and Munn reads: "Please be advised that this account is no longer with us our our solicitors and has been referred back to our client."

 

Meanwhile, I have CSL demanding token payments be paid to them rather than BCard or else arrangement is terminated, sky will fall in etc. etc. (they really are unpleasant b*stards).

 

x

 

v

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Wow Dotty

 

That's spooky, I got the same letter from ARC although not the creepy one from Trevor. I suspect the two organisations are related and Munn is a one man band whose office is unpersoned when his daughter goes for lunch as I have discovered when I have called them to be helpful.

 

It's a funny old world but it will be interesting to see what Diamond Geezer does with his bad eggs.

 

x

 

v

 

PS sorry Dotty, on checking my voluminous files i see the same creepy one from Trevor as well.

Edited by victoria_siempre
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Hi Victoria,

 

Thanks for your posts.

 

I see you file things away and forget about them, I thought I had only had 1 letter from ARC prior to this one and then realised they had written in early April, threatening legal action within 14 days!

 

Still waiting patiently! :wink:

 

 

Oh and CSL chased briefly for another card, possibly Barclaycard but they seem to have gone away for the moment.

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Thanks Dotty

 

I remember sillygirl's advice to me as a virgin on this site to maintain files but they are becoming as thick as me and I loose track of the DCA snail trails of spectrum.

 

CSL are BCard's bandit but without a NOA as required by the European Credit Directive (UK law) they shall not pass muster.

 

x

 

v

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