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    • Thanks for responding so quickly all of you, I’ve opened a new thread:    
    • Hi all.  Recently parked in this car park three times within the last two weeks and have now been issued £180 in fines (£60 for each fine), total. £300 if I do not pay within two weeks.   I’m keeping details here sparce as I don’t wish to shoot myself in the foot by saying too much and potentially an employee at their company reading this. I will happily respond to questions as I get them.   I have noticed some tactics in a similar previous thread from this same car park and was wondering if maybe those would apply to me here?   many thanks in advance
    • I will email dx100uk 's suggestion in the morning,  I completely expect to be ignored but I shall inform TS and advice Direct of the correspondence between myself and the dealer over the last couple of days.
    • Good Evening,    I am looking for advice on where to turn next, as I have been trying for a few weeks to get a refund from Amazon, who are not  actioning my request. I don't know where to turn now, I was thinking of going to my Credit Card issuer and trying the Section75 route, but i'm not sure if that is applicable in my case? Or if there is something else I should try first. Below is the issue;  August 7th - I purchased an item (Item#1) - Expensive £634 August 10th - Item arrives. Inside the box (of the 'right' item) was NOT the correct item. Immediately got on to Amazon Chat and spoke to a CustomerService rep, who I explained to that inside the box was not what was expected, I explained what WAS in the box, and he said he was sorry, he will order a replacement. And to send back the incorrect item. I closed up the box, taped it back up, and immediately went to the post office to send it back. I have the tracking number which shows the date and time I sent it, and when it was received by them. August 12th - Tracking says Item#1 received by Amazon at SDC. August 13th - replacement item (Item#2) arrives. _ Now, ridiculous as it may be, I did realise in this time that the item I purchased would not be suitable for what I wanted, as I didn't have the means to power it. So I decided I would return this item. August 15th - I went through normal Amazon return process to return this item. And returned it that same day. August 19th - Item#2 return received by Amazon SDC. August 19th - Also on the 19th, I receive an email from 'Account Specialist' (no name) regarding Item#1, advising they had received a 'different item' ,  and that I had 'repeated problems with returns on my account'. And to reply to that e-mail to 'appeal'. I was literally thinking, WHAT THE ACTUAL F. - I've never returned anything before, an RMA for a mouse is all I can remember EVER returning, and I don't think that was even with Amazon. That was about 6 years ago. So I reply to the e-mail, asking WHAT 'repeated problem returns' they are on about? And the fact the item IS incorrect, as that is why it was returned...  Sept 3rd - I receive this response from said 'Specialist' email.   I go on the chat to ask what this means, they don't know and tell me they're 'awaiting the return of the item (Item#1) - please reply to the 'Specialists' email (which I had.) All the e-mails are messed up and all over the place, as Amazon use a different e-mail EVERY time they send one. So i've found it hard to track them. But anyway, forward a little bit further, I receive another e-mail from the 'Specialist' Sept 16th - Email from 'Specialist' EH??? So what does this mean? Nothing apparently, as I then go back on chat with Customer Service and they just say 'Sorry can't do anything we can't action a refund and no idea what is going on'. Then... Sept 16th - I get email from Customer Service (not 'Specialist') So I reply, with the tracking and order number. Well, it goes nowhere because you can't reply to customer service emails!! So I basically send THAT email AND my response to the 'Specialist' email. No response thus far. I go on Chat Again, they do the same spiel and don't look at anything, don't want to know anything, just say 'Can't do anything, have a nice day.' Now, some may be wondering - Why don't you just ring them!? - Well, I can't use phones easily. I am hard of hearing and REALLY struggle to understand people generally, let alone on the phone. Now factor in ringing Amazon. The line is terrible, with someone speaking hard to understand English the other end of the phone. Good luck to me! Anyhow, on one of the emails a little later on, someone said 'Please ring us to sort this issue as we are unable to action the refund through chat, as we need to do security checks which we can only do through the phone.' Fast forward Sept 30th - I go on the Amazon site get Amazon to call me, after perservering with trying to understand the woman the other end, essentially saying 'Can't do a refund reply to email' - then hangs up on me. I get them to ring back again. A different Customer Service rep this time, exactly the same answer please go on hold I will get my supervisor - 6 minutes later, hangs up. Now, unexpectedly, that second guy actually e-mailed with a follow up about 30 minutes later! Not that useful mind. But still.   Now... I thought, right so, what? The original person put it down as 'defective' and i've said over and over it was an incorrect item?? So because of THAT I am not getting a refund?? So I ring up again, explain what has just happened, woman on phone just says 'oh i'm sorry but let me check for you, oh i can't action anything my end.' I then go on twitter - simply saying So what is up with no help from customer service then Amazon? to their amazonhelp twitter. I actually got a reply, and a PM from them - they gave me a form to fill in. From that I got exactly the same Customer Service reply as before. Even after explaining basically ALL of this. They just ignore all of it. And copy and paste a standard reply. I don't know what to do. I'm completely lost and don't know how to get through to what surmounts to *as many insults as I can here* of Amazon customer service people. Anyone know where I can go from this? What can I do? Try Section75? Or chargeback? Or some other solution? It was done on Mastercard, It was through Amazon, not marketplace or a third party seller. Or am I missing something.  
    • Just to give an update on this case, I have never received any further information from Minster Baywatch. I never responded to them either.
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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    • Ahmed Alwaheeb's firms sold cars riddled with faults – and which sometimes had government recall notices. https://www.consumeractiongroup.co.uk/topic/427369-ahmed-alwaheebs-firms-sold-cars-riddled-with-faults-%E2%80%93-and-which-sometimes-had-government-recall-notices/&do=findComment&comment=5071860
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PPI Claim - Question about Employment Status at time of taking loan

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Hi, I was wondering if I could get some advice on this - I took a secured loan in 2006 with First Plus, at the time I was self employed and was for a period of three to four years after the loan was started. I didn't realise the situation with regard to PPI specifically the exclusions around self employment status. The loan is still trundling along now and I would like to know if anyone believes this would substantiate a PPI claim against FP, for the reason above - I dont ever recall being asked around employment status at the time. Any thoughts around this very welcome.

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2006 loan


the ppi should have a statement of means done at point of sale to see if the ppi was sutable at time of sale


ask for a copy of this statement of means


its a legal requirement


def missold


claim it back with contractual interest

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  • 2 weeks later...

Quite possibly Racerboy.


However as the banks have been ordered to process claims as usual, if after 8 weeks you have not had a response you can go straight to the financial Ombudsman Service, as per usual.


So in effect shouldn't really effect the process in reality.



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