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    • i would suggest you look at the dates of posts on those other forums paypal do not sell debts and even if they do, there is stuff and all any debts buyer could do yo you in the UK. forget it, or even better go complaint to your bank and tell them paypal did not advise you £1200 would come out of your a/c, which they should do, and that it was the result of fraud. you don't have to tell them any details.   as for the rest of your debts..   debt IS NOT A CRIMINAL OFFENCE IN THE UK..where the beep did you get that from!!   pers i'd be opening a parachute account and getting asll your income paid into that so NO-ONE can get their hands on it. cause NW are just about to introduce 40% OD int rate and they will forever be draining you of money   get OUT NOW from them.   dx      
    • I'm aware there are some grammatical and reference errors but the post expired before I could fix. I'd really like to know if I've made valid points or not. Thanks.
    • Another thing, they say they have photographic evidence of the entry and exit times, but have not included it in the SAR. If they have photos shouldn't they provide them in the SAR? And if they don't have them now, how can they prove anything?    Should I ask OBS to produce the photos?
    • Is this any better?  I've resigned myself to losing. Admittedly, I don't quite know what I'm doing. I just hope I get a remote hearing, that should save me some embarrassment.      1) The Claimants pleaded case is that the Defendant entered into an agreement with Provident subsequently assigned to Vanquis Bank Limited under account reference xxx.    2) It is admitted I have had financial dealings with Provident in the past. However, have no recollection of the alleged reference number the claimant refers to.   3) In February 2019 I made a formal written request to the Claimant for them to provide me with a copy of my Consumer Credit Agreement as entitled to do so under sections 78 of the Consumer Credit Act 1974.    4) On the 21 June 2019 the Claimant sent a response which enclosed a reconstituted copy of an agreement, default notice, notice of assignment Provident to Vanquis, notice of assignment Vanquis to Lowell. [EXHIBIT x, x & x].   5) On 30/07/19, I received a claims form from the County Court Business Centre, Northampton, for the amount of £369.84. The claimant contends that the claim is for the sum of £369.84 in respect of monies owing under an alleged agreement with the account no xxxx  pursuant to The Consumer Credit Act 1974 (CCA).   6) Contained within the claimants particulars the claimant states that the account was subject to assignment from Provident to Vanquis. The claimant states a further assignment to them occurred on 12/06/2017 with notice given.    7) It is denied notice of assignment from Provident to Vanquis and subsequently Vanquis to Lowell were ever received.    😎 The claimant states documents were received at both addresses. The claimant doesn’t appear able to confirm my address and therefore cannot say with certainty said documents were received. Furthermore, the client did not issue said documents and therefore cannot prove delivery.     9) It is denied any communication took place with myself and Vanquis Bank Limited. Any alleged legal assignment to part of the “Fresh Start” initiative had not been informed. I have no previous knowledge.   10) Under the consumer credit act 2006, until debts have been repaid, there is an obligation to send statements and notices to the debtor at prescribed intervals at no more than 12 months. The statement should explain the money borrowed, money paid, interest in all cases and the outstanding amount. Consequences of failing to make repayments and the opportunity of making minimum payments should be informed. The Claimant has submitted a statement of accounts dated March 2019. This having followed my request for a credit consumer agreement. It is denied this document and any such required statement of accounts required under section 77A during the alleged agreement were ever received.   11) The claimant states that a default notice was issued on 18thJanuary 2017. The payment date requested by Vanquis Bank Limited on said document is  28thFebruary 2017. The formal Notice of Default that was accompanying this letter displays a requested payment date, 28thFebruary 2019. (Exhibit x, x)   12) I argue that this is not in fact a COPY of an original default notice, that they state was issued during February 2017, but that this is a fabricated version of a default notice created by Lowell. Either way the default notice was not issued by the assigned creditor (Vanquis).   13) It is therefore contended that the original creditor failed to serve a valid Default Notice pursuant to section 87(1) Service of a notice on the debtor or in accordance with section 88 (a “default notice ”) is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor of a regulated agreement.   14) The Claimant states a default notice was not required. If there is a default in payments during the fixed term a default notice must be issued. The Claimant states they were informed a default notice was sent on 18thJanuary. The Claimants case relies upon being informed and does not constitute fact.   15) It is denied a default notice was ever received.    16) It is admitted I responded to the Claimant’s pre-action protocol letter addressed in my name. I indicated I did not know if I owed the debt. I indicated as such having no recollection of affiliation with Vanquis nor Lowell. A default for the allege debt appearing on my credit file only November 2019.    17) I understand that the claimant is an Assignee, a buyer of defunct or bad debts which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already written off as a capital loss and claimed against taxable income.   As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.   18) Under Civil Procedure Rule 16.5 (4) Where the claim includes a money claim, a defendant shall be taken to require that any allegation relating to the amount of money claimed be proved unless he expressly admits the allegation. Therefore, it is expected that the Claimant be required to prove the allegation that the money is owed as claimed.
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GBJudge

H.Samuel Issue

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1940 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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If anyone can advise me where i go from here?

 

I purchased a wedding ring on the 12/06/2009 for £139.00 made from white gold, I asked the staff to make sure there was no zinc in this due to the fact i have an allergic reaction to it.

 

I now have blisters on my finger and can only put the ring on in the evening so the wife doesn't see it of (she`s sensitive).

 

Any how i phoned H.Samuel to emplane my issue tonight and they said that as they have a 30 day refund and exchange period! And that i should go in and show them the ring but if its not in the condition they sold it to me then they will do nothing about it as is there policy!

 

Well like all rings we buy them to put on hence they get the odd scratch but there not ment to give you blisteres!!!!

 

Any help would be great here please.

 

GBJudge

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Dear GBJudge

 

Please contact H Samuel Customer Services with your details and we will help with your complaint. Our email address is Customer.Services@signet.co.uk

 

Regards

 

Customer Services

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Can i just say at this point, thanks for your reply, the main issue i had was over the phone with a gentleman that said due to the 30 day refund exchange policy unless the ring was in mint condition there was little they could do, fortunately when u went in on Wednesday i spoke to the manager and showed her the blisters on my finger, as i hadn't taken the receipt in as i was there on the off chance.

She asked me to bring the ring and the receipt back on Thursday but informed me she wouldn't be due to a day of, when i went there yesterday i spoke with the assistant manager whom had been informed of my predicament and proceeded to do all she could to fine me a new wedding ring. She did and its fantastic and i got change and 3 years insurance on the diamonds.

 

Great customer service here and in store many thanks.

 

GBJudge

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just a quick word of warning

 

not that im disparaging attempts to help

 

however ive had a look, samels customer service doesnt have an email address and signet.co.uk is a hosting site....

 

ill ask a mod to look at it as i may be wrong

  • Haha 1

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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Thanks Labrat,

 

I have sent an email to the addy above for conformation and will report back.

 

Lex


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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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ta was a bit worried when i saw i had been cag botted


Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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No Problem Labrat,

 

It is easier to temp. unapproved a post/quote than to edit it. I'll sort it out when/if I get an answer to my email.

 

GBJ, can I say don't give any personal info to that email address until we know more. I think you can guess why !!

 

Lex


Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I was lucky! I went into the store as i was passing anyway, witch tbh i think upset the guy that said no on the phone as the manager said yes lol.

 

But never fear i run enough forums my self and understand the implications of shall we say possible unwelcome interest.

 

GBJ

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Good result then GBJ :D


Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Quick update,

 

My email to them :-

 

Hi,

 

I have seen your email posted on a website as a link to H Samuel.

 

Is this correct please. As a modorator on this site we wish to protect you and our members from 'spam'

 

Kind regards,

 

Lex

 

And in reply :-

 

Lex

 

Yes this is correct. Signet comprises of H Samuel, Ernest Jones and Leslie Davis.

 

Regards,

 

Jenny

Customer Services

 

I will 'approve' the other posts.

 

Lex


Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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ta was just worried when i banged in signet.co.uk and it went to a hosting site


Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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It was the right call Labrat, thanks for bringing it to our attention :)


Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I must say i am impressed with the mods on this site, Great heads up! and professional well done for thinking of our security.

 

GBJ

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High can anyone help me with this. I took my marea watch into h.samuels to get a new battery. I paid £27 to get it sent off to be cracked open as its a sealed/waterproof watch. This was just over 2 months ago. Earlier today i got a phone call from h.samuel telling me that it needs a new movement aswell as a new battery and it would cost me £100 not including the cost of the battery. the problem is the watch only cost £50 to begin with and now i'm down £27 with a none working watch. Can they really charge me twice the cost of the watch and can i get back the money i've allready paid. Hoping someone can help, thanks.

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High can anyone help me with this. I took my marea watch into h.samuels to get a new battery. I paid £27 to get it sent off to be cracked open as its a sealed/waterproof watch. This was just over 2 months ago. Earlier today i got a phone call from h.samuel telling me that it needs a new movement aswell as a new battery and it would cost me £100 not including the cost of the battery. the problem is the watch only cost £50 to begin with and now i'm down £27 with a none working watch. Can they really charge me twice the cost of the watch and can i get back the money i've allready paid. Hoping someone can help, thanks.

 

 

thread is 5yrs old you'll not get seen here

 

 

start a new thread

 

 

of you own

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 1940 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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