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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
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      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

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In the mid 90's I was involved in a business partnership and took out a secured loan (secured on my property), with Barclays Bank.

The house was jointly owned by myself and wife. She also signed the document relating to the charge on the property.

We did not actually live in the property and still don't.

In 2001 my wife died and the mortgage was paid off by the insurance element of the endowment. However the land registry obviously wouldn't release the deeds because of the charge.

It is 13 years since I have had any contact with Barclays, and I had hoped that the 12 year statute barred rule would kick in.

Having read the relevant part of the Limitations Act, I refer to the following;

(2) No foreclosure action in respect of mortgaged personal property shall be brought after the expiration of twelve years from the date on which the right to foreclose accrued.

But if the mortgagee was in possession of the mortgaged property after that date, the right to foreclose on the property which was in his possession shall not be treated as having accrued for the purposes of this subsection until the date on which his possession discontinued.

(3) The right to receive any principal sum of money secured by a mortgage or other charge and the right to foreclose on the property subject to the mortgage or charge shall not be treated as accruing so long as that property comprises any future interest or any life insurance policy which has not matured or been determined.

 

I take that to mean, so long as I have an interest in the property, the debt never becomes statute barred.

Can anyone confirm that my interpretation of that is correct?

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A secured mortgage is covered by completely different rules as far as Statute Barring is concerned, Statute Barring is almost always for UNSECURED lending, however I am not an expert on the subject.

 

I think your interpretation (much better word than assumption here) is accurate - the mortgage on the property cannot become statute barred.

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