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    • I should have added the above links are for  landlines and mobiles there are plenty of free and paid for apps android and iphones to block calls.
    • Hi I got a tent from go outdoors,   over £1000 for tent porch carpet  and footprint and it was faulty, so they exchanged it, it was only 2 weeks old,  so I got another tent tht to was faulty, I have pictures of the faults,  but this time they weren't happy to exchange but they did,  then I got a vanguard 8 ,  and when we were on holiday the rain was coming through the material of the tent, holes in the stitching and the zip kepted breaking, so 2 days into our holiday we came home to change the tent and go back and finish our holiday,  but they refused, this tent was only9 days old.  So we left the store phoned head office and they said "go back to store and give them another chance to sorte this out!"  So we did and the manger was worse this time, to ring head office he didn't want to. I have a proof of a call from head office for 40mins and the manager was implying to head office I was lying about a phone call  and head office have on record of them phoning me , the manager asked me to leave the store or he will phone the police   so I told him to get the police,   while waiting for the police  a customer was returning a tent and when asked from the store what's wrong with it, they said""nothing it's to hard to put away"  so asked the manager how is tht right when my tent is faulty and u wont exchange,   he told the police I was threatening a customer,  I never spoke to the customer, I also told them I am autistic,   The manager lied to the police and the police attuided to me was horrendous and I told them  repeatedly told I was autistic,   I have video evidence of my arrest,  What are my legal rights to a new tent,  any help will be greatly appreciated thank u,   am also dyslexic,  sorry if some of this doesn't make sense ,  I've loads more to tell on this whole situation xx I was arrested for not leaving the store until I had a resolution  All the tents where hi gear  Also I told the manager tht we where on holiday to rest as we've just had 4 weeks of hell with my daughter as shes now in hospital safe,  so we went away for 5 days knowing she was safe ,  and why woul we come home early and try to change a faulty tent,  and go back to our holiday if it wasn't faulty they weren't interested   I've been having meltdowns really bad this x  Also I was released from the police 2hrs later WITHOUT  been Interviewed and NO CHARGES I've had a email today saying because of my being banned from the store I can have a refund   I've sent them emails asking questions and they will answer the email but wont answer my questions and now they saying as a good will gesture they will refund me  But I only have until friday which is 1 day to accept the return and if I dont they will not refund me  And am so distressed ,  Am I right the if a item is faulty you have 28 days to a full refund 
    • Thanks dx I did read these post but wasn’t sure if they ended well.   I suppose it depends on how nervous it would make the buyer, and if their solicitor was happy to play ball.
    • the 120 days runs from when he discovered he could use chargeback. that must be within 540 days of the relevant card transaction. sadly halifax are useless everytime over chargeback  and never get things right.
    • Can I ask which service provider or telephone hand set you use that's allows you to use 00* to block all international calls ?   Ofcom advice   https://tinyurl.com/y577dlb8   Some examples of call blocking phones   https://tinyurl.com/yyaxsgd4   ,
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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
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      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

Adverse Credit due to Linked Address


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Hi

 

Wondering if anyone could offer any advice on the problem I'm currently facing.

 

My partner and I are looking to have a joint bank account with Santander and I have applied for her to be added onto my existing account. However this has been refused due to an Experian report stating that she has an adverse credit rating.

 

We have printed the report out and made enquiries at the bank and were told this was due to a linked address that has adverse credit attached to it. I believe this is the house she previously lived in with her family, roughly 2 years ago. Her step dad was made bankrupt whilst at this address and defaulted on the mortgage payments. However she had no financial interest in the property and is no longer in regular contact with her step dad.

 

It seems unfair that she is also suffering consequences due to actions taken that were out of her control at the time. She is unable to be added to a bank account and it seems unlikely that we would be able to get a mortgage/loans if the same criteria for credit is applied.

 

Would anybody be able to offer advice in how to disassociate her credit check from this property, or even her step dads previous financial troubles?

 

Any help would be much appreciated as this issue is causing us problems in managing joint finances. Thanks.

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Easiest way would be write to each credit agency stating this.

 

Thats where I would start.

My respect to people who post regularly and help people out on here. Without your help alot of wrongs would have been committed.

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You can't have a bad credit rating at a house, the problem is with her file, is she associated to him by mistake or accidently have a CCJ on her. If not then she has some bad credit at one of her previous addresses. Credit reports are on a person, not a house.

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