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    • This is more than helpful. Thank you so much. I will get the cca done tomorrow and post the reply from them for what to do next. Thank you all again. 
    • 12+2 working days.   a dca can't hurt you credit file any more anyway.   only the original creditor can issue and register a default, on or before the sale of the debt.   what the dca put in the calendar section is immaterial as only you and them can see it it does not extend the 6yrs period whereby the debt shows on your file and after which the 6th defaulted date's birthday causes the whole file to removed regardless to paid or not, paying or not......makes no odds. it still goes, but might still be owed mind, depending upon the contents of the CCA return.   dx  
    • Hello   I agree with dx100uk.   Send them a CCA request which is a request for them to produce the original agreement that gives rise to the debt.  They have a limited amount of time (I think around fifteen days) to send you the document.   Here are the possible follow-ons from that:   1. They don't respond within 15 days and so you are legally entitled to stop paying until they do send a response. 2. They send a letter saying they have gone back to the original creditor to ask for the document and they need more time.  You (legally) stop paying after fifteen days and don't pay them again until they send proof. (This is the most likely first response as they wont have any of your documentation as they bought your debt as part of 1000 others on a spreadsheet on a CD ROM or USB stick). 3. They send you something that looks like a contract or which might be something else that they want you to think is the contract within the time frame.   After either of the above  whatever they send you should be referred back here for an assessment as they will often send you unsigned documents or made up bits of nonsense.  Even if the contract turns out to be the genuine one it still might not be enforceable due to errors made by the creditor at the time of signing.   The only potential downside to the above is that they could try to damage your credit record but probably it is as much damaged as it can be by this debt already so nothing else they can do will make it worse.   Following on from the above you can continue to not pay them.  I would setup an on-line savings account and pay yourself the money instead which has the advantage of creating a resource in case you need to resume payments in the future.   They may send you further letters either inducing you to resume payments by threat or by offering you a deal.  If the document is not valid then the only deal you need to take is the one you unilaterally entered into at T plus 15 days when you agreed with yourself not to pay them another penny.   It is not impossible that they will send you a letter saying the debt is unenforceable (miraculously I have actually seen one!) and asking you to pay anyway which you will of course ignore as you should not be giving any member of this low life industry any encouragement.  
    • I agree and I've no doubt that will happen in the future, but if a court claim is issued and a ccj successfully registered against the debtor then it will never be sb anyway, so are we more likely to see more court claims in the future ?      Can it not work both way though, if the sb date is ultimately aligned to the date of the default notice, essentially giving the creditor 6 years to collect or issue a court claim then regardless of when the debt was last acknowledged / payment made, a debtor could just tell the creditor to eff off after the 6 years is up, figuratively speaking     
    • Received acknowledgement of defence submission from court. VCS now have the option of continuing their claim or not. Watch this space !!!!
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ordered a rowing machine from an online

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Hi there can anyone give advice on this,


I ordered a rowing machine from an online company who had a price tag of £269.99 which was the lowest price i could find for this model,


i phoned them first to make sure they had it in stock and for the price they were advertising,

they said they had but i would have to open an online account,

did this and ordered the item.


When it arrived it was the wrong one

i contacted them,

and they said they no longer do this item as their suppliers have put the price up and they no longer stock it.


It was agreed that i would send the wrong item back and they would refund the payment back to my account,


I checked the web site today and they ARE selling the original one i had ordered but the price is now £311.99.

Can they do this:eek:


All comments welcome thanks

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Can't really help on the rowing machine price but am wondering about the "had to open an online account". Did you want to pay for a one-off transaction by debit card and they made you open an account? Will they put interest on the account? Have they credit checked you without your knowledge?


Which company is it?

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No, what i want to know is should they have sold me the item at the price they originally advertised it at £269.99 and not the price now £311.99 Instead of lying and saying they were not going to stock it anymore. The reason for opening an account was to pay for it online as they could not do it over the phone??

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Just checking on the account as some companies have been known to make you open an interest account without telling you.


I think it unlikely it is legal but am not sure. At least my reply will bump you up to top again so someone with more knowledge might answer you.

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Sounds like a bait and switch situation.


When you say they are still selling the item you originally asked for, do you mean that it is still being advertised or, for example, that you know someone who has bought one?


You could report this to Consumer Direct for intelligence purposes.


On a more practical level for your own situation, I would simply shop elsewhere.

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What i think they are trying to do gyzmo is they adertise the original item for almost half price

then send you a cheaper one in the hope that you wont notice and pocket the difference in price.


I checked the model they sent on another web site and it was priced at £170.99,

and then checked it on there own site and it was £240.00

but if i had not said anything they would have got away with selling it at £269.99 so back it went.


Now waiting on them refunding the money back into my account which i have to allow them 30 days to do so, and yes they are still adertising the original one, but upped the price to £311.99

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Sorry Jan4a when they said open an online account what happens is you just order the thing you want, pay with your credit card, give address details and thats it

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as you have returned the goods and they have not refund your money and if you paid by credit card, you can claim it back through the credit card company as its there money.

debit cards are a different kettle of fish, its always best to pay for online goods with a credit card rather than a debit card.

My advice is based on my opinion and my experience. It is not to be taken as legal advice as I am not legally qualified

If my advice has been helpful, please take a moment to click on the scales

on the bottom left hand side of my profile :p

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OK thanks. Its just that some mail order firms refuse to take your money straightaway and tell you not to pay for 30 days - then they open an account without your permission and charge you monthly interest - just checking it wasn't one of them as you didn't say the company's name.


Good luck

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