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    • Anything they are invoiced for by Dido, Serco and other beneficiaries of the Johncock largesse might be dodgy
    • Hi, anything to update prior to submission? Regarding MCOL - I'm still unable to post anything via this website so i I will have to email and post hard-copy
    • If they are charging the UK taxpayer for 240-300,000 tests a day and paying serco for capacity that isnt there Surely its fraud
    • Hi I am after some help and advice regarding issues faced with Advantage Finance   Ive dealt with it on my own up to now, but now feel im being fobbed off   I purchased a caravan last august on finance and had nothing but trouble with it from the off minor things - heating not working, hot water not working, toilet not flushing   Messaged the seller who just ignored my concerns basically so I had to pay another caravan engineer to look at the caravan to fix said issues   Upon the inspection the engineer found extreme damp in the frame and floor of caravan as well as the other issues mentioned above although this  could not be seen by the eye.   I immediately called the finance company and the seller to inform of findings and paid the £700 bill to fix the other issues. The engineer said the caravan was sold dangerously and not set up correctly. Hence why things never worked for us. We had only been out in it three times at this point due to work and family commitments.   Seller and finance company stated I had to pay for another independent inspection to go in depth with the findings at another cost of £75. I done this and provided both of them the report which shown even more damp than first anticipated to different areas of the van over 90%.   Finance company agreed to then send out there independent inspector who found exactly the same faults and drew up a report to send back. Finance company then offered seller chance to repair. Seller received caravan back from us and only took blame for the front part of the van and stated they could not find anything wrong with the rest. Finance company stated for them to fix the areas they take responsibility for.   Caravan was fixed and returned to us but I was still not happy as they didn't fix all areas, Finance company  agreed to send out another inspector to look.   Inspector stated the fix was not sufficient and not waterproof and basically a bodge job which I was fully aware of and stated the caravan now needs to be rejected due to the seller having a chance to repair and it not being sufficient. I thought ok great finally, Im winning. Caravan was collected last week and I then sent an email to the finance company thanking them for the rejection and that I would look forward to receiving my payments made over the last year towards the caravan, repair costs, compensation for lost holidays etc   They have replied that I am not entitled to anything and the £5000 in payments they have had from me will go towards the usage of the van, Research I had done up until this point all stated I would receive money back due to van not being fit for purpose? So i am very shocked and annoyed I have paid all that money and I am not entitled to anything back. I have tried to be basic here in what has went on so forgive me if It does not make sense. Any help or advice greatly receievd on next steps    I have told the finance company I am not happy to have lost all that money here is there responses Thank you for sending over the information regarding the caravan being collected and taken back to Newark Auctions.  We will now start the process of removing you from the existing credit agreement and will notify the relevant credit agencies to remove our entry from your file. This therefore removes any responsibility you have regarding this agreement. In terms of any refunds owed to you we have reviewed the account and there are no payments that need to be refunded. There were no payments made whilst the complaint was open and the payments made prior to the complaint being raised will be retained for usage. Whilst you advised us that you have not used the caravan, this was your choice and the caravan was available for use and in your possession since the start of the hire purchase agreement, it is reasonable that the payments that would have been due during that period are retained.  As a suitable resolution is in place we will now close the complaint.   I replied with -  Please do not close the complaint down I am not happy to pay for something that was not fit for purpose I will still be liaising with the financial ombudsman to seek out my refund. I also hold legal cover with my house insurance so I will commence court proceedings in regards to this complaint could you please forward me any relevant paperwork needed to inform you of this or if indeed this email is sufficient. I do thank you for rejecting the caravan on our behalf but do not see how I am not entitled to my refund. I was not Aware it had damp until I paid for service. Your inspector stated the damp was there at point of sale meaning it was not fit for purpose so how can you say I happily used it   They have just then replied with this Thank you for your email, However we must advise that based on the information provided we will consider the matter closed as soon as the caravan is confirmed on site at Newark Auction. A final response will be posted to you that will contain all the details of where the complaint can be referred to if you disagree. Kind Regards        
    • Its just that Dido can't add up,  She is to the Lords what Diane Abbott is to the Commons.
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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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Firstly I would like to thank all the members of this forum who have so far provided much help with their posts that I have read through regarding Capquest.

 

I got a letter claiming that I owed T-mobile £82.41 and that fire and brimstone would ensue if I didn't pay it at once.

 

Now I had fallen for Capquest's tactics in the past paying 1 or 2 debts of around £20 due to the scare tactics used, this time I'm not giving in so easy.

 

I sent them the templated letter asking them to provide proof that I owe the amount mentioned to which they sent a letter saying the account would be on hold till Oct 13.

 

Today however I received a letter from them saying the following

 

"We can confirm we forwarded your previous correspondence to our client and their response is as follows.

 

'The account holder (of the same name) has already made payments to you and many payments on the account. If they feel this is not their bill they would need to fill out a fraud disclaimer form online at t-mobile.co.uk. Please pursue for the full balance.'

 

We look forward to hearing from you."

 

Now my previous correspondence required them to provide proof they I owe this money. Is a quoted text that could potentially of been fabricated acceptable as proof?

 

And idea how to take the next step?

 

Many thanks

Steve

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Ignore the DCA and go straight to T-Mobile with a SAR request send to the address here http://www.t-mobile.co.uk/services/privacy/

This way they'll have to send you all the bills they've issued including those they claim are outstanding.

Once you've got them correspond them with your bank records.

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Good advice, but for good measure I would send the Account in Dispute letter to CQ which should make them hold fire on collection actvities.

 

http://www.consumeractiongroup.co.uk...-is-in-dispute

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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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Yeah that's always worthwhile doing as well to take care of CQ. You could also ask T-Mobile to contact them to suspend things to add weight to the fact that you're disputing the alleged debt just in case CQ ignore you.

And just in case they start phoning you don't enter into any conversation with them.

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Guest Cartaphilus

I'm having similar problems with them myself, but in my case I am going to ignore them. And not just because they have changed their name, either to Everywhere Anytime or whatever it is now aka 'formerly known as T-Mobile'.

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