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    • Hello just asking,? I purchased a discount new cooker as it had cosmetic damage, paid £250 After a few days I noticed the fan never went off, I contacted the company and they finally collected the cooker and took it away, ( for 7 days)  And fixed it, It never seamt right? It steamed up in the clock panel and the oven door was mis-lined It had multiple dints in the sides Top panel missing on the door to stop food dropping in, Shelving didn’t fit well Then main fan started to rattle and tap I put up with all this as it was *discounted Then one day whilst cooking we could smell a funny smell  Turns out the wires had melted on the back of cooker  I contacted the company again and it took a lot of phone calls to try and get the problem dealt with, speaking to several different staff.... I wanted a refund or replacement  I had had the cooker 6 months just! I asked for a refund or replacement  I contacted trading standards and citizens advice and they advised me what steps to take! Finally the company offered to replace the cooker, then later changed! As they explained that nothing came in to replace it they were too damaged! ( been told they buy at auction damaged) They wanted to look at the cooker and inspect the damage themselves, so I agreed they collected the cooker, No update, or communication I had to constantly chase them up  Nothing was sorted out with 7 days we had no cooker, I threatened Trading standards were now involved  Last thing on a Friday in June they rang to say I can collect the cooker it’s fixed!!!! I had expressed all along I didn’t feel safe using this cooker anymore with my family  I didn’t want this cooker fixing again ( by whom)  They started to blame me and said I should be grateful they aren’t charging me for the repair!! Still today in August this is not resolved  Trading standards have been useless  Citizens advice have told me to take them to small claims court!???? I have had to purchase another cooker  As I’ve been left without one. I am in a vulnerable situation in life, Im a carer for my husband and have children and have no one to help me sort this mess out!  I am struggling with making the county court claim ? What shall I do? ( sorry for long message) ✨
    • The committee's report is pretty damning, isn't it? The Home Office refused to supply the scientific evidence it said its decisions were based on and you can possibly see Demonic's hand in this - he has form for ignoring select committees.
    • and that facts start to come out 'Inexplicable' failure to quarantine travellers to the UK made pandemic 'far worse', say MPs UK ‘almost unique’ in rejecting border checks in crucial March period – without scientific basis – as hundreds of infected passengers arrived every day   https://www.independent.co.uk/news/uk/politics/coronavirus-uk-quarantine-travel-cases-deaths-covid-a9653451.html   "Strikingly, it says the Home Office refused to set out any scientific advice to explain the “grave error”, despite repeatedly promising to do so – a stance attacked as “completely unacceptable”."   So even aside from not testing in any way people who returned: "Yvette Cooper, the committee’s chair, said the critical mistake was the decision on 13 March – 10 days before lockdown – “to remove all self-isolation guidance for travellers arriving in the UK”."   "The MPs also pour scorn on the Home Office’s argument that 99.9 per cent of arrivals are obeying requirements to quarantine for two weeks, finally introduced in June. They describe the claim, made by home secretary Priti Patel as “unreliable”, because it appeared to be based only a limited number of compliance checks made and three fines issued."       So not only did Johnsons cronies NOT make any efforts whatsoever to test people returning, and NOT properly check people were self isolating, they actually stopped telling returnees to self isolate for 10 days before the country was locked down as the number of epidemic infections exploded.   Wonder why?   "The committee’s inquiry heard that, in the crucial 10 days between scrapping isolation guidance and the lockdown, up to 10,000 infected people arrived."  
    • You can pay on the day of travel or by midnight the next charging day..   Appeal to TfL on the grounds that you have already paid within the allowed time and enclose proof of payment.
    • Hi Andy should  try to sttle for A minimum f&F ?? Also what happens to older credit card debts in probate that we have all discarded??
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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
bella_blot

EGG is ignoring me!

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I had an EGG credit card and it had a full balance of around £3500 when my hours at work got cut and I ran into problems with ALL my creditors. Out of everyone, including bank loans, online shopping stores etc, EGG did not chase me for payments once I defaulted... so naturally I didnt pay, I managed to keep up with all other payments to other companies..... EGG didnt contact me at all!!! Now, a year later I get a default notice from EGG saying they want all the arrears payments and charges theyve added for non/late payments, which is almost £2000 or theyre taking me to court and selling my debt on.

I wrote to them, including copies of recent bank statements showing im well into my overdraft every month and copies of my payslips showing reduced hours and pay but still offered to pay £40 pm, explaining this was as reasonable an amount I could afford and maintain every month. I also asked them to freeze interest and charges.

They have ignored my letter and now sent a letter saying my agreement is terminated and I will hear from an external debt collection agency within 10 days.

 

What do I do now? Do I still write to EGG with copies of previous letter asking for a repayment agreement, so I wait for the other collection agency to get in touch and try to work something out with them??

 

HELP!!!!.

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How old is this a/c & can you post up the Default & Termination Notices after removing any identifiers?


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Hi

 

No, I have no way of scanning the notices to post.... sorry.... the account isnt that old, probably 2008.

 

I have them both with me and could type verbatim, or answer any questions about them?

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What was the date the DN was created & what date did you have to remedy by & what date was the Termination Notice?


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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If you have a digital camera you could take a decent picture of them using 'macro-mode'.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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Attached is a pdf which will explain the requirements for default and termination notices.

 

They have to comply with a particular timescale, allow for postal service and be formatted in a particular way otherwise they are deemed as defective & if they terminate on the back of a defective DN it becomes unlawful rescission of contract. http://www.johnpughschambers.co.uk/Consumer%20Credit%20(Enforcement,%20Default%20and%20Termination%20Notices)%20Regulations%201983.pdf

Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983.pdf

Edited by cerberusalert

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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The DN says "letter sent to me on 17th August" and gives me until 14/09/10 to pay all arrears and overlimit amount. I wrote to them in good time for them to receive before 14/09/10.

The Termination notice says "sent to me on 14/09/10" stating I have "failed to satisfactorily comply with the terms of the DN"

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Have a look through the file I uploaded, you may be able to find a fault within the DN.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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If it looks ok how do I deal with them just ignoring my offers of payment?

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Guest HeftyHippo

pay what you can afford. if they want to take it further theres not much you can do, but if theyre getting some payments they may be content to accept it or at least start discussions

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Just pay what you can afford, unfortunately after a while Egg will sell this a/c on as a tax loss & the whole process will probably begin again with a new DCA.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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