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    • MARSHALL CREATION Particulars-of-claim-faulty-goods-and-credit-card online.docx
    • I have mentioned it several times in emails and on the calls today too - they know. I even had "instructions" on how to make it a consumer purchase which was to simply enter my name in the company field.     I would hope the discounts given was because of my history with Dell having purchased so many but remember I did initially purchased 3 consumer level XPS 15 9500 laptops and the only reason I went for the Precision 5550 was because they told me NOT to get the 9500 anymore and instead, get a 5550 which is built from scratch as opposed to off the shelf 9500s.  So I would say they did and do know as it all started from a consumer purchase gone wrong.   I do have it also in email now they will refund me if there are issues with the new unit regardless of segment so its just a waiting game now on who gets me a working system first.   I will look at maybe ordering a HP and Lenovo too so I can compare should it go down that route but I need to see how much the old Amex card can handle and it needs to be timed so that it is around the time I get both the Dell machines
    • As BankFodder said back on page 1, Creation's original response to you was plain nonsense - so perhaps they haven't got a clue what is going on.  Wait to see if they formally acknowledge it and file a defence.  They can't very well say they didn't receive it now!  (I can see Creation might be difficult to deal with.  Are you suing the dealer too?  And have you asked MB UK about the diminished "value" of their approved car scheme?)   AS BF says, having sent the LBA you need to commit to it.   (several cross-posts while i've typed this)
    • Please will you post up your POC
    • Well the claim is issued now. I guess if I lose somehow that their failure to follow the rules may help if there are costs arguments.
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    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

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First of all a big Hello to everybody here. I have been hiding in the wings for a while now, and have decided to register.

 

Anyway, i really need some advice on what to do.

 

A little background information.

We run our own business, and it is doing very well. The problems i have are my outgoings are more than my incomings, this is due to debt carried over from another business that i had.

 

Un-Secured Debt

 

CC debt is £37,000, some in my name, my wife's name and in my mother in laws name.

Loans totaling £30,000

Business O/D from old business £16,500

Personal O/D total £2,750

Loan in MIL name £7,500

And owe about £5,000 in money lent from family.

 

Secured Debt

£50,000

 

Also have a van lease that is paid monthly, insurance policies, utilities, ect ect on top.

 

I have at the moment about £35,000 equity in the house, after the mortgage and secured debt.

 

We have let two staff go, and i am currently doing all the work, 6-7 days a week, while my wife runs the office.

 

We are always treading water, and to be frank have had enough. We always manage to move money around to pay things, so credit rating is good, but we can not carry on like this as we can not see a light at the end of the tunnel. I know its all our fault, and we only have ourselves to blame for the trouble we are in, just wish i had blown all the money on holidays and nice things, but we haven't as its all been used to keep the business running.

 

What is the best way to sort this out? Ideally we would like to keep the house. We don't want to go the Bankrupt route if we can help it, so would an IVA be the best option?

 

Any advice greatly appreciated.

 

CB

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Hi Creme Brulee

 

Welcome to CAG

 

I think you'll find that people hear aren't out to judge folk, only help them

get back on track. Other's will be along to advise. What you could do is

claim back any Penalty Charges with interest, also have you been mis-sold any PPI that you could claim back. You can claim these back for at least 6 plus. You just need to obtain bank statements. The other thing you could do is send CCA Requests to establish if the agreements a enforceable, if they aren't you could put the credit card account in dispute.

All templates are found on this website with spreadsheets.

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Hi Creme Brulee

 

Welcome to CAG

 

I think you'll find that people hear aren't out to judge folk, only help them

get back on track. Other's will be along to advise. What you could do is

claim back any Penalty Charges with interest, also have you been mis-sold any PPI that you could claim back. You can claim these back for at least 6 plus. You just need to obtain bank statements. The other thing you could do is send CCA Requests to establish if the agreements a enforceable, if they aren't you could put the credit card account in dispute.

All templates are found on this website with spreadsheets.

 

Thanks for the reply Rebel11.

 

I think i only have one or two credit cards that were taken out previous to 2007, but i will have a look and double check.

 

CB

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