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    • Hi All    I've spent 2 weeks without a phone and over 4 hours between phone and livechat talking to samsung about my broke s10e phone screen.   I bought the phone in June 2021 and long and short of it the phone screen broke while in my pocket. I made a call before getting in the car and it was fine. Went to make a call when I got out the car and the screen had cracked and some LCD damage. The LCD damage has now fixed itself. I called samsung to get this repaired and they flat out refused to repair it as it was physically damaged and their warranty only covers manufactuer defects and that all their phones are rigoursly tested. I told them that if all their phones are rigoursly tested and don't break in peoples pockets just like that then my screen must be one with a manufacturers defect and that it is covered by the warranty then. At which point after climbing as high up the chain as I could this was the only answer I would get.    Is there anything I can do here ? I am not lying about it breaking in my pocket. It's got a full phone case only things showing are front/back camera and fingerprint reader and no marks besides from placing my case on. I just don't feel that it's fair that they expect me too pay £190 to fix the screen when it is obviously defective. What if the replacement screen breaks randomly then they will just expect me to pay another £190 I expect.    I've also tried approaching EE who my phone contract is with to which I was advised to go  to samsung or they could quote for a repair or I could early upgrade.   Please any advice would be greatly apreciated I'm at my wits end here.
    • If your ex provides their latest address to any creditor chasing him for debts, you should not be bothered.
    • Npower    https://tinyurl.com/y5krktbw   Octopus   https://tinyurl.com/yxawe4d7   British Gas    https://tinyurl.com/y5ppp8m2   EON   https://tinyurl.com/yxtnu8ou   Scottish Power    https://tinyurl.com/yywu7mh3   EDF    https://tinyurl.com/yahjzwxr   Gov    https://tinyurl.com/prnh38t   Urls take you to utilities suppliers        
    • Complain to Mazda UK.  Tell them you've got the safety recall and you don't want to use Mazda Crap Dealer for the work but your nearest alternative is 40 miles away.  Ask what they suggest you do...   Of course, as you've already got it booked in etc you probably don't want to mess about with it, and it is a safety recall so needs attention.  And your old dealer might not be happy with you - but can they be any worse?  Think about it.  You could just complain and see how they treat you in 3 weeks time when you bring it in...   But I like being awkward... and it can have it's downside...
    • which on their copy you should not have supplied if you'd been reading up in the downtime upon whats next?   dx  
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
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I admit to having my head inthe sand 99% of the time regarding debts, My now husband had debt when I met him which then he was unable to pay due to 3 redundancies/lost jobs in 1 year, this in turn caused me to borrow to keep a roof over our heads and now we both are almost evenly matched.

 

Currently neither of us can afford Bankruptcy, nor can we get any credit, he has 2 CCJs and is paying those plus a few creditors token amounts, the rest either did not reply to CCA requests and are in default or just havent responded. I have SAR'd creditors where I can but we struggle to have the £10 spare due to a constant run of bad luck over 4 years

 

I am paying all my creditors a token amount except a couple whom again need SAR when we can afford it.

 

My question is what next, we both feel we are stuck, we wanted to start a family and havent due to debts, I feel this is slowly being taken away from us as I get older, we have never had a holiday or honeymoon, and never go out.

 

Where would anyone suggest we go regarding these debts from here?

 

Having had creditors accept payments its easy to just let it run, but at £1 a month we will be 93 before anythings paid off. I remember some time ago people writing to creditors to ask to get debts written off, does this still work?

 

Any help appreciated.

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On the basis of the information provided, I am assuming that you do not own your home, this is an important factor.

 

If you respond to this point someone will come back to you.

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I admit to having my head inthe sand 99% of the time regarding debts, My now husband had debt when I met him which then he was unable to pay due to 3 redundancies/lost jobs in 1 year, this in turn caused me to borrow to keep a roof over our heads and now we both are almost evenly matched.

 

Currently neither of us can afford Bankruptcy, nor can we get any credit, he has 2 CCJs and is paying those plus a few creditors token amounts, the rest either did not reply to CCA requests and are in default or just havent responded. I have SAR'd creditors where I can but we struggle to have the £10 spare due to a constant run of bad luck over 4 years

 

I am paying all my creditors a token amount except a couple whom again need SAR when we can afford it.

 

My question is what next, we both feel we are stuck, we wanted to start a family and havent due to debts, I feel this is slowly being taken away from us as I get older, we have never had a holiday or honeymoon, and never go out.

 

Where would anyone suggest we go regarding these debts from here?

 

Having had creditors accept payments its easy to just let it run, but at £1 a month we will be 93 before anythings paid off. I remember some time ago people writing to creditors to ask to get debts written off, does this still work?

 

Any help appreciated.

 

Why are you SARing the companies ?. Have you requested your CCA's first ? Your last paragraph seems to imply that you are unsure/unaware of this process.

 

Andy

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You can stop paying the creditors who have not responded to CCA requests until if and when that they do supply a legal copy.

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Hi all ,sorry I couldnt get online over the weekend

 

No we do not own we rent.

 

My comment was fairly general apologies, we have SAR'd companies such as HSBC who have added £800 charges and done things like ignore recorded delivery letters, also SLC who said they didnt get a deferrment notice and are hounding us for £3ks worth or back payments, however I am told that SLC really are law unto themselves and can get away with anything

 

I have always sent for a CCA and a SAR has only been if they are holding information I wish to see. I deal with both our debts paper workwise.

 

We have had 3 incidences where CCA requests have gone over time or the account has been closed, but I have been told now by looking at other forums and other posts that this does not mean a debt is written off, and also one of those has been sold on now and being threatened with allsorts from that company.

 

That the debt is still there and cannot be seen as removed?

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Hi all ,sorry I couldnt get online over the weekend

 

No we do not own we rent.

 

My comment was fairly general apologies, we have SAR'd companies such as HSBC who have added £800 charges and done things like ignore recorded delivery letters, also SLC who said they didnt get a deferrment notice and are hounding us for £3ks worth or back payments, however I am told that SLC really are law unto themselves and can get away with anything

 

I have always sent for a CCA and a SAR has only been if they are holding information I wish to see. I deal with both our debts paper workwise.

 

We have had 3 incidences where CCA requests have gone over time or the account has been closed, but I have been told now by looking at other forums and other posts that this does not mean a debt is written off, and also one of those has been sold on now and being threatened with allsorts from that company.

 

That the debt is still there and cannot be seen as removed?

 

There is a difference between debts being written off and being unenforceable. Are you aware which of the CCA's maybe enforceable or not ?

 

Andy

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May I ask if you are receiving benefits, as although there is an upfront cost to bankruptcy of around £500, you can claim this back if you are receiving benefits. This may be worth looking into. Bankruptcy will clear your debts once and for all, to allow you to move on.x

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No my husband is currently working so we cannot claim, he works a contract so any time off say the last 2 weeks with swine flu we get nothing for and its really badly paid, but better than nothing, I have a business but it brings in very little if anything, have not been able to get employment either since April.

 

We couldnt even front the £500 even if we got it back, just dont have that money.

 

The amount of our debts combined is just far too high to ever think about getting rid of, appart from writing off, BK or possibly final offers but weve never had the money to do this.

 

All the credit agreements that have come back are enforceable, all prescribed terms etc there, those that havent we havent heard from bar one who has sold on the debt and they are badgering us, in all honesty it might be best to let them make us BK? least that way we wouldnt have to pay for it.

Edited by summer30

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