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    • Ok thanks guys for all the help & advice I think I will go the DRO option but will open a new bank account somewhere else first etc.  The only other things im little worried about is reading on the DRO it says about I wont be able to apply for credit but what about things like my car insurance as thats classed as credit paying it monthly Plus they say i must not have assets or car worth over £1,000 so what about things like my car worth around 2.5k and as said before when my father passed away he left me his camper that I cant part with its worth about 4k and what about things in house and jewellery etc ?? Can they come to house and check and so on
    • threads merged  please keep to one thread per issue.   dx  
    • read it proprly.. it doesn't say WILL anything and original creditors don't do court as they don't want the judge delving into their business model nor the bad publicity.   as for the FOS you just have to let it run. yours is a very short time since yo put it into them typically it always takes 6-9mts normally before they move on anything though they usually send you an ACK they have the complaint.        
    • Since the last post on this thread I have sent a complaint to the FOS but have not heard anything from them as yet either, I'm guessing they're rather snowed under and on reduced staff so no real surprise.   Still had nothing approaching help from lending stream but today they emailed me default notices for the loans, again demanding I phone them and pay up in full or they will begin court proceedings.   Any advice as to how I should proceed please?
    • Hi,   I received two PCNs in October 2019 from Havering Council. All the below applies to both PCNs, as the correspondences were at the same time:   Fast forward to February 2020, I file witness statements on grounds that I made representations within 28 days but did not receive a rejection notice.   The TEC cancelled charges.   Havering write to me asking for supporting evidence of representations that I made.   I email them screenshots with timestamps of the representations.   In early March Havering reply to me by email 'confirming receipt of email and both cases are now on hold pending an investigation. Please allow time for a full response to be sent.'   Fast forward to 18th June Havering write to me the attached:  Havering Charge Certificate.pdf   Now, it seems as though the sender of this letter is not up to date with both cases and is unaware of the TEC's decisions, as well as the email correspondence.   My questions are, 1) What should I do next? and 2) Is there a way to use their misstep to avoid paying for the PCN entirely?   Thank you.
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MechJerk

Item has never arrived, apparently it's my fault

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I bought an item online on the 15th June. I left it 10 days (as they said it would take no longer than 7) and phoned them up to say it hadn't arrived. They said it had been dispatched and could I give it a while longer. I gave it another 7 days and phoned back and this time was told that the person who dealt with dispatch was busy and could they phone me back later. 4 days later I still had not received either the item or a phone call and so I emailed them, again this was ignored I gave it three days and sent another one asking were my item was. They came back to say that it had been dispatched on the 16 June and if I had not received it then I would have to contact the post office myself. I asked for a tracking number and they said it hadn't been sent that way and it was simply sent in the post that gave insurance of 79p even though the item is over £10. There was never any option on the website to send it any other way, and the postage is actually free.

 

What can I do they seem to be saying it's my problem and thats the end of it on there part...

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Guest Old_andrew2018

Can you please name the site and what was ordered,

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The site is Accesshealthproducts.com and i ordered compression support stocking for my partner who has DVT

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Well, they're wrong all the way. It is THEIR loss, THEIR responsability until you have the goods and you don't have a contract with Royal Mail, THEY do.

 

What you do now is send them a letter stating the above, reminding them that as things stand, they haven't fulfilled their part of the contract, and that is it isn't up to you to chase Royal Mail since you haven't got a contract with TM, they do, and that you expect them to either send you the goods or refund you in full within 7 days or you'll report them to TS. (You can also add you'll take them to small claims, but it depends on the value of the goods really if it's worth it or not).

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If you should mention small claims, don't forget to mention that they will also have to pay for the cost of the claim.

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