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    • its not a 'payment limit'...i just want to know if theres any thing in comsumer law that says they can not take over 45 days to refund me. do you really think its fair they withold everyones refund and earn interest on the funds in their corperate account?   as i said before(after trying to sort it for a couple of months with HP not replying, not offering a solution etc) i emailed 3 different people from different departments every day for over a monthas they wouldnt tell me when the refund would be - they just keep stringing you along. they are a nightmare to deal with or get any results in a timely manner. i phoned various departments all of which took hours at a time as no one could tell me when i'd get my refund and why ive not got my refund so far. i had to wait 6 days for a parcelforce label because they sent emails for the return without the actual label to print out...so i had to keep emailing them saying 'theres no label' only to receive a pre-typed reply with 'here is your label' that didnt contain an attachement with the label. so i had to ring parcelforce and then they arranged a collection that didnt turn up (after waiting in all day) so then had to start emailing incompetant HP again...and the cycle continued. i even joined their forum in hopes that someone would sort it...so wasted time on there explaining everything to someone who said they would get it sorted...then after a few days of no reply i had to email them and they would reply with general bs like "yes its getting refunded now"...then i asked when and they wouldnt reply for days which prompted more emails etc etc etc i made 3 official complaints ....all of which just got marked as 'resolved' just because they answered me with "your refund will be processed"..so i emailed back questioning when it will be refunded ie a date and then receive another reply of "we are dealing with your request and investigating this"...leaving you in the lurch with no definite answer. there are other customers on their own forums saying the same thing - some have been waiting 60 days or longer.... but dont take my word for it...buy something from them and then see how bad they are when things go wrong and how much time will be consumed in your day just trying to get a simple answer like what day you will be receiving your refund...as they never told me. i just had to wait for over 45 days in the hopes that they actually would refund me sometime this year! aftter a month citizens advice told me to write letters and send recorded delivery in case they never did refund me. this took hours of my time and going to the post office or getting someone to do it is inconvenience as i have a mobility disability. its like banging your head against a brick wall with them...which is why all i want is  to be forearmed as i dont want to be going too and throw for another month establishing that they do have to compensate me for the time/ emails, lost interest of my money and postage for the recorded letters etc etc etc
    • Topic title amended https://www.gov.uk/accepting-returns-and-giving-refunds#:~:text=You must offer a refund,of receiving the goods back.     .  
    • threads merged for clarity. Looks like they've accepted F&F and you have proof of acceptance. See what they say on your credit report, it can take a couple of reports to update depending on when Barclaycard declares it as partially settled/satisfied. Best not to post up and go radio silent though. 
    • So you have your refund? If you have your refund what's the problem?? What money have you wasted in getting a refund/ how have you wasted money in getting a refund? You can't sue them because they took too long to refund. The emails I gave you earlier were because I thought you didn't get a refund yet. If you already have it im not sure what your expecting?
    • Octopus are very approachable so I would suggest you contact them, advise them paying the amount in one go is going to cause you hardship and ask if it could be paid off at an agreed rate of an additional £xx to the next few months bills. I'd be surprised if they didn't agree.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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