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    • Hi everyone. We purchased a new bed from dreams 26/12/2017 which was delivered 01/02/2018.  We also purchased their delivery, assembly, take the old one away, tv, mattress, mattress protector, pillows and their 'bed cover' 8 years extended warranty.  We paid by 30 monthly interest free instalments and so just made the final payment.   It is a heavy duty king size lift up storage bed with a built in tv at the end.  It has always been a struggle to lift, my wife cannot do it on her own and it rarely stays up by itself.   At the beginning of this year, we noticed it had started to dip considerably in the middle.  Not the mattress, but the wooden base the mattress is on.  So on 09/02/2020 I emailed them about the issue.  They started by saying the mattress is not covered only the base, until I pointed out it is the base at fault not the mattress.  So they sent out Homeserve on the 25/02/2020 to come and repair.  He did what he called a temporary repair, said that the bed had failed due to a manufacturing or design fault (the metal bolts holding the wooden base to the lift up supports have pulled out of the wood) and that dreams would be in touch to arrange a replacement.  His temporary repair barely lasted a day, the bed was still dipping and he took plenty of photos for himself but seemed in a mad rush to leave.   Of course they didn't contact us, so on 30/03/2020 I emailed them back.  01/04/2020 they emailed back confirming in writing that it is a manufacturing fault and their sales team would contact me, however as expected due to Covid-19 this may take a while.   30/06/2020 I asked for an update.  03/07/2020 they replied saying their claims department would contact me within 5 working days.  They didn't. 15/07/2020 I emailed back asking them to escalate my complaint as well as providing a refund and compensation as we are now struggling to sleep and experiencing back ache due to the bed's extreme dipping, plus I am worried about the mattress getting damaged. 23/07/2020 They replied saying we are not entitled to a refund as it is a guarantee claim and they have passed it once again this time to their guarantee company to contact us. I have still not heard back.   This is now getting beyond a joke and I wanted some guidance on how I should proceed.  We are struggling to sleep in the bed and cannot now even open the bed to access our belongings inside as as soon as you try and lift you hear the sound of breaking wood.   Many thanks  
    • bit obv really... don't eat yellow snow either.   dx  
    • I know you are trivialising this as, 'Ambulance Chasing Lawyers', because they are perceived to be involved. You mention BMW (other brands as well). Counterfeit car and truck parts have been implicated, and proven to be the cause, of accidents where fatalities have occurred.   There is some considerable difference between a set of counterfeit brake pads and a fake SD Card.   The trademark infringement though, is the same.   H
    • One hope in this growing mess is that local authorities, mainly in the north west so far, like Liverpool, are developing their own systems to test and trace, filling in the gaps of what Serco et al are missing.   But they're doing it with precious little in the way of funding. In the meantime it looks as if Serco [I think it's them] will be given more hundreds of millions on top of the £100 million that hasn't been effective so far in a couple of weeks. Given that the PM has swanned off to Scotland for a couple of weeks this isn't looking good.
    • i've known 10yrs of DD's to be refunded. the company must prove a valid contract for the period. no proof the DD's all get refunded   dx  
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    • 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

If DCA's were like this -----

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Hi all

Most people have probably got into debt due to changed circumstances - usually beyond their control -- I'm not interested in people who genuinely have borrowed money and are looking for every legal loophole to AVOID paying it back but because of the intransient attitude of most of the lenders and their lapdog DCA's people do now try everything to stop paying anything.


If the lenders were more realistic and sympathetic to people's changed circumstances and understand people will pay SOMETHING back then most of the unpleasantness associated with Debt Collection could be avoided.


After all it was probably IRRESPONSIBLE LENDING in the first place that caused much of the problems and Banks should realize that the very high often nearly "Loan sharking" rates of interest was their insurance against bad debts in the first place.


So if an approach like below could work (it won't of course but just an idea)


For example


Dear DCA

As you know you are trying to chase me for a debt that probably is unenforceable -- however due to my circumstances you are EVER unlikely to see more than a tiny fraction of the debt whatever your Solicitors might tell you.


Instead of WASTING huge amounts of money on rediculous and harrasing phone calls and sending an inordinate amount of POST which is immediately destined for the dustbin why don't you tell me that you purchased the debt for 10% and in the sprit of Live and Let live I propose to offer you 12.5% payable at a DECENT monthly rate that I specify.




Reply from DCA


That's fine -- we will not phone or mail you ANY more -- and if you can actually pay back a little quicker we could offer you 11% instead of 12%.


If there are any charging orders or CRA references against you we will ourselves REMOVE THESE AT OUR COST.


Yours sincerely xxxxx


This way I think 99% of problems would disappear --- I still think however the selling on of DEBTS should be made illegal.


There's more chance of the UK winning every gold medal at the London 2012 Olympics than DCA's going down this route of course.




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In an ideal world, but I guess there has to be jobs available for every 'type' of personality, and whilst there are takers for these jobs their attitude will not change because for every one of us who take the time and effort to seek 'proper' help, there are literally thousands who will be frightened witless and think that only the truth is ever 'threatened' by businesses, respectable or not.

Every journey begins with a single step :):)


Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.


If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You


The only person entitled to your Personal Finance details is a Judge not a DCA


Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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There is the saying that debt collection and prosituition are the worlds oldest trades. They will always exist, it is just a case of what moral values are applied on your behalf by those that are in power.


It could be worse. In Dubai, you would be in prison for owing a debt.

We could do with some help from you.



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There is the saying that debt collection and prostitution are the worlds oldest trades. They will always exist, it is just a case of what moral values are applied on your behalf by those that are in power.


It could be worse. In Dubai, you would be in prison for owing a debt.

... and stoned to death for the other.

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Hi there

Slightly OT but I'm glad to see all those people who spent money in buying places in Dubai are getting their come uppance.


Dubai is now really "CHAV CENTRAL" -- nobody with any class or style would be seen DEAD over there -- who could ever trust a place where the CASH MACHINES dispense Gold Bars.


Dubai belongs to what we now call the "Noveau Riche Tattoed arm brigades".


However be that as it may at least we still at least have a semi passable legal process to get DCA's off our backs in the UK --in some other countries I'm not so sure.




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