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    • hi all.   In April 2019 I posted about owing 2.3k to PayPal, who sold my debt to Wescot.   Since then there has been a long war of words, mostly thin assertions that 'PayPal has advised us that...', and signatures from staff at PayPal that are supposed to prove that I owe the debt.   I've recently moved house, and am considering my options with the case going forward; I had initially intended to cut them off after the last year with no definitive proof, saying in my last letter that I trusted the matter was closed, providing no forward address.    However, after doing some more research recently I'm slightly concerned about what might happen if I dont keep them at arms distance with letter disputes, and that they may sue me and add the court bills through a CCJ (County Court judgement.) What is the liklihood of this or them finding my new address?    I'm also slightly concerned how my letting agency may react if against odds Wescot send bailiffs to my previous address, as this was with the same letting agency I use with my current house, and also where they will likely continue to send letters.   Advice?   Thanks. -b
    • They automatically sent me a few refunds from charges but I believe they weren’t this account it was another overdraft current account I had with them.   There is a letter in the SAR for the other account number about a cheque refund   I never contacted them
    • You indicated earlier you have already successful ly reclaim ed charges? DXx
    • So that amounts to about £700 at the current date today (with the formula back in)   Do I contact HBOS about these? I looked in the debt collection library but couldn’t see an overdraft letter.   Or is it a case of leaving it
    • If a bailiff does turn up, do not let him in he might try to "persuade" aka bully you into paying the debt as he might try to claim he can force entry, can only do that for a Criminal Fine.   Tell him/her, that named debtor does not live there hasn't for last 12 months, he took his property with him, so nothing is his.  Offer to show a Council tax bill showing you as sole liable person.   Other option is to get a Statutory Declaration sworn at a Solicitors that all property in the house is yours and named debtor is not a resident, and get a couple of Notorised copies, and hand one to a bailiff if they call.  Other thing is if you have a car, they might go after that,  so showing V5 and insurance in your sole name helps with that one.   Above all don't worry, also film them with a mobile to capture any threats.   Unclebulgaria is correct that they shouldn't call if they have a current address, might be worth telling them where he is if they did call on you.
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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.
       
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Mark Zabel

Carphone Warehouse Broken Phone

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Hi , Just wondering if anyone could advice on a problem we have had with CPW . My daughter took out a 2 yr contract with CPW . The problem is her phone has been playing up ie when texting it keeps deleting the text and the battery wont charge up . This is the 5th time she has had it back to them for repair in 18 months. In her contract it says that if the phone devolps a fault 5 times they would replace the phone . Suprise suprise it is the 5 time it has been back and they are now saying it is moisture damage and the contract does not cover this . So she has 6 months of her contract to run with a totally useless phone that they are not prepared to sort out .:mad2: Anyone had any similar and how was it resolved .

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there was an article on watchdog? not too long ago about how unreliable these moisture sensors were and how they are 'prone' to being affected by a repair if they are not changed.

 

type in the model of your phone & moisture sensor on a search engine

you should be able to find out more.

 

it is very much used as an unfair get up of repair card by many retailers unfairly

when they know forewell that continual repairing /opening of a phone makes these devices unreliable.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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