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    • Another consumer who thinks that by being reasonable and patient with Currys, that Currys will be reasonable with them in return. Bless. Of course I do hope that you get a resolution this way but in fact we have found over a longer time now that Currys was a dishonest and quibbling little company that takes advantage of its customers innocence to deprive them of their consumer rights. "In due course" is completely unacceptable but if you go along with that it means that you have handed the reins over to them and allow them to take control. There is no reason for this matter to take more than a week for them to sort out and so I would suggest that your best course of action send them a letter of claim giving them 14 days or you will sue them in the County Court. That gives them ample time to sort the matter out and also means that if they eventually come back to you "in due course" refusing to honour their obligations, then you don't have to wait a further 14 days. You can pretty well launch into action immediately. You said you had all your legal documents ready but I asked you if that meant that you had sent a letter of claim and you haven't replied.
    • Thank you for your reply. Yes the hob was bought Sept but not installed until early Dec, started showing faults almost immediately but because it was 'bought' over 30 days Curry's washed their hands of it. The hob cost £229.00 and I still have it here. Yesterday I sent an email to Alex Baldock CEO of Curry's and I received a reply almost immediately from his office who have passed it onto their 'Executive Resolution Team' who will investigate and respond to the matter in due course. The email sent was more or less the exact copy of the one that I posted here so we will now wait their investigation and I will let you know the outcome.
    • The shortage of semiconductors is continuing to have a major impact on industries around the world.View the full article
    • Hi CAG,   First time poster here.   I would like to start off by saying that I've read through various threads and it's quite heartwarming to see the level of attention and support you give to people dealing with often stressful and anxiety inducing circumstances. I'll certainly be making a donation as this is truly a valuable resource.   I've read several similar threads to my own situation but I thought I'd seek your advice.   I opened a letter just a few hours ago from London Collection and Compliance Centre which is dated 11th January 2022 for an amount totalling £870.68. I'll attach a copy below. I can't quite remember the date of the initial offence. For context, I boarded a bus (I believe in 2018) and unbeknownst to me, my contactless card did not register correctly on the reader. I had my headphones in with music playing and was sat for my journey and then was approached by a ticket inspector who informed me that I did not tap and therefore was unable to provide proof of a valid ticket. Despite explaining the circumstances, I was asked for my details which I provided in full. I was honest and forthcoming with the ticket inspector but I wasn't aware this would amount to a fine as I was provided with a printed pass for the remainder of my journey. I accept liability for not being able to provide proof of a valid ticket and do not wish to dispute this regardless of intent.    I'm not entirely sure why I didn't pay the fine upon receipt of TfL's initial correspondence but I'm a long time sufferer of anxiety and depression which at times is so debilitating that I'm unable to make the best decisions or carry out simple actions. Some of which would mean I wouldn't need to make this post. I struggled financially at the time of receiving this letter and further correspondence which placed I did not deal with correctly because of the mental state I was in. I struggled to cope with and stupidly I neglected my responsibility and buried my head in the sand. I made an error in judgement that I wholeheartedly regret.   As of writing (early hours of 26th January 2022), the 10 working days given in the 'Further steps notice' has elapsed (25th January 2022). I rarely receive mail and therefore I don't regularly check my mailbox. However, I decided to take a look today as I suspected I missed a Royal Mail delivery. I intend on calling the number on the letter at the earliest appropriate time in the morning and dealing with this matter. I'm desperate to right my previous wrongs as I've worked hard to deal with my anxiety by beginning therapy. However, like many others in this thread, I'm worried about the prospect of having a criminal record. I'm 26 years only and I don't have any previous convictions nor have I had any trouble with the law. I have a real love for the service TfL provides and I'm capable of listing off an endless stream of related trivia. I have no previous run ins with TfL and regularly travel on the network and pay the correct, full fare each time.    I'm worried about how this will affect my future in regards to employment and my intention of naturalising as a British citizen (I've been in the UK for 20 years now).   I'll note my primary questions below and would truly appreciate your advice.   a) If I get in contact with the number on the letter as soon as possible, will that be too late despite the close proximity to the deadline?   b) What would be the best potential approach to resolving this issue? (I'm unable to pay the amount in as a lump sum.)   c) If I were successful in arranging a payment plan/somehow paying the amount in full, how would that affect the court proceedings? Would this still result in a criminal record?   d) I've seen other threads which mention OOC settlements with TfL, would this be an option despite receipt of a 'Further steps notice' letter?   e) Should I end up in court or have the opportunity to speak to someone over the phone - will I be able to explain my circumstance and plead for leniency?   f) What other general steps would you suggest I take at this stage to mitigate the consequences?   Apologies for this post being so long, I wanted to include as much relevant detail as possible and I'm more than happy to provide any that's missing. I don't want to make excuses for myself. I completely accept I'm in the wrong for allowing things to get to this stage, despite the difficulty I had with my mental state but I want to do right by myself and deal with this. I'll post regular updates and be sure to include a conclusion once I deal with the matter regardless of the outcome.   Thank you in advance for looking at this post, I really do appreciate what you do.   IMG_2609.pdf
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Virgin Credit Card/MBNA


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Only just joined this site, and not very 'techie' - hope I put this in the right place.

I have a Virgin Cr.Card which is provided by MBNA. It was meant to be interest free. I've always paid promptly and more than the minimum, sometimes more than one payment per month. In February my payment was one day late - totally my fault as I forgot it was three calendar days shorter than the following month. I didnt notice til two statements later they had charge me a late payment penalty amount and put my account onto punitive interest rates. I wrote in early June to complain and by then had been charge approx £100 pm interest.....almost wiping out the amount I'm paying each month. They took ages to reply and then just a letter saying they were 'looking into it' . I noticed in my July statement they had refunded the £12 penalty charge and one month's interest. So I wrote again and stated that I felt it totally inappropriate as by now my interest charges were over £500 for just ONE DAY'S delay in payment. They've now sent me a long 'official' letter basically telling me it was my fault, I had the chance to read the terms and conditions etc and I dont have a leg to stand on, and if I dont like it I'm perfectly at liberty to write to the Banking Ombudsman but they have applied the terms correctly. They now state that my account interest free period is over anyhow from mid July.

 

I have remortgaged to pay off my credit cards debts but still feel this level of charges for ONE SOLITARY DAY is really unfair. Can anyone guide me please.

 

Thank you

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Had a similar problem. Paid on the day and takes a couple of days to go through. I phoned straight away to be told that the computer has cancelled my interest free period. I stated that this was unfair and that they should use their discretion to reinstate the interest free period. This was done there and then. They also said that I had to pay a late payment fee of £12 but after I argued about this they refunded this on receipt of my payment.

 

You could argue that the way the date seems to change for payment each month is difficult to keep tabs on. It worked in my case. Hindsight is to set up a direct debit to cover the minimum payment each month. You can then make payments whenever you like to pay off the debit.

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[email protected],

do love their punitive interest. My partner has a CC with them only a relatively small balance £1k, we missed a payment by an hour. They have a cut-off of 4pm she was charged £12 and had punitive interest rated for 2 months. I'm sorry but that's just wrong. I have now sent a SAR off to them they have neglected to send all her data so it's a letter before action.

 

Once the SAR I will be claiming back the charges and punitive interest for her.

 

We may also stop payment altogether as the balance is going up even though we make minimum payments.

 

Pumpytums

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I make payments via 'bill payment' from my bank direct. The cr card bill date is different each month so I just do it the minute I get paid. Because February is so short, I obviously got paid too late to hit their deadline. Very strange because the March statement payment date wasnt until 1 April....so their charging months are uneven, not at all helpful in trying to keep tabs.

 

I accept I made a mistake, I just think £500+ in interest for one single day's lateness is exhorbitant and almost criminal. And they get away with it.

 

They took a whole month to reply to my first letter....I don't see them paying ME for that delay!

 

Their last letter to me basicallly said 'tough' we dont give a hoot.

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