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    • Hi,  I'm new here, and hoping that this is the right place to post this.   I applied for pip and was awarded standard mobility (10 points).  I did an M.R. but got the same result. They acknowledge that I can't leave my house without having someone with me. They accept that I'm not completely housebound as I go out to appointments, which are not a regular occurrence, they also said that they can't award me enhanced because I'm not out most days.  Is this correct?  Surely it shouldn't matter how often I go out? 
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Bookworm

Catalogues, CCA etc....

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We know that catalogues are in a difficult situation as their business model doesn't allow fo rthem to send out a CCA before sending the goods and they therefore largely rely on people's good will and honesty to keep on paying.

 

Cut a long story short, my good will has given up. Months going on of phone calls to get them to sort out their mistakes, compounded by phone calls where I get promised it will get done and then the next month, nothing, and I mean nothing has been done... They're adding charges I don't owe them, they ask me for minimum payments which are higher than the total balance ( I kid you not), they put my commission on a negative and refuse to revert it, I have had ENOUGH. :mad:

 

I have to say, I am now considering sending them a CCA. By my calculations, the amount I owe them is roughly the same as they owe me and they've buggered up my credit rating anyway, and it is getting to the point where I think if they want to p*ss about, 2 can play that game.

 

I have a nagging doubt however: Is online ordering that would come within say the last year not covered? What I mean is that with the advent of electronic ticks saying "I accept" kind of stuff, doesn't that make it a valid CCA?

 

Sorry for asking, but this is a new foray for me and as I said only as a last resort. Ideal scenario would be if they flogged it off to a DCA of course, but I need to do a bit more research.

 

Now don't get me wrong, I still don't condone not paying your debts when you owe them, but in this instance, I owe them, but they owe me, so if they're not going to listen... I think this may be the only way to finish this. :-(

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HI from my own experence with Littlewoods and JD Williams yes they should have got a signed CCA but they only started doing this for large value items late 2006 to my knowledge. I have had similar treatment as yourself with the above for CCA request they will send you blank agreements with your name and current address hand printed on them saying something along the lines of we are unable to find your agreement but this is what it looked like. We have record of goods sent and payments made and you owe us £xxxx pay up or else rubbish.

 

Also for the agreements that were sent to me it would not have mattered as no prescribed terms therefore unenforceable under s127(3) of CCA.

 

dpick


cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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bookie if i were you i would cca them anyway, see what if anything they come up with

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When you order online, is there actually a ticky box there? I remember ordering through Littlewoods online, but can never remember ticking anything to say I accept the T&C's....

 

Just fire off a CCA request anyway - who knows, put the cat amongst the pigeons and you'll probably get a DCA to play with :D


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

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