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    • Debt charities have urged the Insolvency Service to develop stronger rules to protect customers from bad practice among IVA lead generators View the full article
    • Hi,     I'm in the process of voluntary termination of my moneybarn agreement, in accordance with secion 99(1) of the Consumer Credit Act 1974. I have returned the vehicle, it was collected by a 3rd party on behalf of MB, in driveable condition with fear wear and tear condition.  Their report states that the condition was "Average" (The options were Good, Average and Poor). I have paid more than 50% and recently, before starting the VT process spent £700 to make sure car is roadworthy (gearbox repairs). I am £880 over the 50% mark. Today I've received final billing letter estimating body repairs at over £1,300 (the bodywork is fine - peeling lacquer and alloy wheels would need refurb though). I've purchased the car at 7 years old with over 80k miles, through National Car Credit (pretty sure I've seen another topic on here about them). The car is now more than 10 years old, and I did take pictures + videos of the car before it was collected.   Now. I've had a payment holiday through April and May (which I don't dispute and will willingly cover the amount that they're asking for this payment holiday term) But however I'm not okay with covering the bodywork repairs for a car that is over 10 years old and wasn't excellent condition the day I've purchased it. It came with no service history book and only one key (on my own expense I've purchased another one and had it programmed)   No arrears on the account, no missed payments (just 2 month agreed payment holiday - between myself and MB) which I'm okay to cover. Given the car back in drive-able condition (it was very noisy the week before it was collected, hence why I've spent money on repairs) half of tank of petrol, kept tax up to the day it was collected.   Advice would be appreciated, thank you.   dx: I can't pm you as I haven't got enough posts on here, but if you'd like more details and see what has been sent and see the responses please PM me.     Thanks.
    • I am not a lawyer but I definitely think you are correct.   You will need evidence that Fast Track was not available on your way out - "Unknown reasons" sounds ominous. Do you have pictures/videos/written records to prove it?   Ryanair website states they are not responsible for you missing your flight as a result of fast track, but it doesn't say anything about not being responsible for the product they sold you not being available. Have you tried asking for a refund already?   Either way they sold you something that they did not provide - I don't see how this can be legal - and hopefully you should be able to prove it. Get written evidence that they refused to refund you (if you don't have it already) and take it straight to your card provider. (by many accounts it seems pointless to try and negotiate with Ryanair)
    • Hello everyone, recently I ordered 4 birds, 2 canaries and 2 lovebirds from a pet shop in Nottingham. When I received the birds, one of the canaries looked scruffy and had a bald spot on its back. when I asked the owner if this was normal he stated that “it is a baby and will be normal in a week” so I waited a week and I discovered it was sneezing throughout the night. I then decided to check their weight and the scruffy one was only 15 grams while the other was 26 grams. While weighing them I discovered they were covered in blood mites (small bugs that feed on blood) so I contacted him and he said I could return them but I’m unable to drive an hour to his shop so I offered to pay another delivery fee fr him to pick it up but he was ignoring me so I decided to try to treat them and bought many medicines and I cured their mute problem but now all 4 birds are sneezing, I’ve had many birds before and I’ve never had these problems so I asked him if he couldn’t please come pick them up but he kept reading my messages and ignoring me then when I called him he blocked my number so I messaged him on my other number laws showing te sale of an ill animal is prohibited and sent him proof of his false advertising (saying they were “excellent healthy birds”) proof fm their illness and he blocks me again. I feel scammed and according to the law he I is obligated to refund me for the birds and any medical expenses but I don’t know know where to report him or what to do about it. Any suggestions would  be greatly appreciated. Thank you 
    • well anyway. as its the same email then and not directed at them to pay no its not correct they have done it under gdpr etc etc.   so regarding the debt. what readings prior to this have you been sending? to prove this billing is correct or not  have regularly sent them before  and is the estimated readings higher than your actual usage. when does the debt First date back too aswell        
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • 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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It's tonight so you've been warned.:rolleyes:


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Does that mean we will be getting all sorts of weirdos, werewolves and FOTL peeps posting. Busy Busy then


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Does that mean we will be getting all sorts of weirdos, werewolves and FOTL peeps posting. Busy Busy then

 

Could well be.;)


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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It's tonight so you've been warned.:rolleyes:

 

 

I thought it was a Jaffa cake partyyyyy :(:p

 

 

Full moon


 

 

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.please remember that any advice i give is purely my own experience or opinion thankyou

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Better get my lead/leash ready :p:D

 

pmsl @ Tilly :-)


Mungy Pup

 

I want to live in a world where chickens are free to cross the road without their intentions being questioned. :razz:

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Awww... I was hoping for a photo of bookie :razz: :razz: :razz:


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:-x

 

You've seen the way I have been treating them that annoy me since yesterday, do you really want to get on my wrong side???? :razz:

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I must have a dirty mind;)

 

Full moon seems to mean something else to me from a long LONG time ago, as I said I must have a dirty mind sorry xxLL

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I must have a dirty mind;)

 

Full moon seems to mean something else to me from a long LONG time ago, as I said I must have a dirty mind sorry xxLL

 

Don't worry. I don't think you're the only one by the looks of locotus's post.:p


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Its a full moon round here tonight.

 

 

bare_bum2.jpg

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aargh, reminds me of when my son was a cutey xx

 

Actually he still is but boy has he got a gob on him xx

 

Wonder where he got that from?;)

 

 

 

 

 

 

Probably ME XX

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aargh, reminds me of when my son was a cutey xx

 

Actually he still is but boy has he got a gob on him xx

 

 

 

 

 

Good job you got your spellings right LL.:-D


 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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aargh, reminds me of when my son was a cutey xx

 

Actually he still is but boy has he got a gob on him xx

 

Wonder where he got that from?;)

 

 

 

 

 

 

Probably ME XX

 

 

Hey. Hes 15 and hormonal.

 

I was the worst 15 year old you could ever meet.

 

Lifes a bitch and can be hard sometimes.

 

Dont down yourself, im sure you are doing the best that you can.

 

Remember to think about yourself as well.

 

X

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HAHAHAHHAHAHAHA Split my sides again xxxxxx:grin::grin::grin::grin:

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Hey. Hes 15 and hormonal.

 

I was the worst 15 year old you could ever meet.

 

Lifes a bitch and can be hard sometimes.

 

Dont down yourself, im sure you are doing the best that you can.

 

Remember to think about yourself as well.

 

X

 

XX Yep hes had to grow up quick so I have to remind myself of that. Hes intelligent just feels tough at the time when realise he is bigger than me and he has a point I cant do much if he stands his ground. Seems so bad at that time, but silly the following day. Last time I kicked the hell out of my bin a nice metal bin in the kitchen rather than let him see I was annoyed. Funny enough I replaced it today for a super dooper sillly but nice brabantia one. Hoping the fact I had bought this bin would remind me dont do it again, they are expensive to replace even though a bleeding bin.

 

I left the bin alone tonight xx Ironic sell my gold and buy a metal bin xx

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This site keeps me sane xx

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This site keeps me sane xx

 

 

 

 

 

Well, you are the only sane one here:-|.:p


 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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just saw a chinese lantern :)

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I just saw an English shambles.:rolleyes:


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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