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    • Thanks dx.    Would I not SAR Asset Link Capital as it was assigned to them in 2016 (according to the POC)?   To provide some context, I'm familiar with attending hearings etc and have fought and won a couple of battles.  I don't mind risking a couple of K in extra costs to give it a shot but I need to feel that there is at least a chance of success.   The card was originally an Egg card taken back in 2000 and then sold to BC who then sold to Asset Link Captial (no5) Limited.   When I did a CCA request to BC back in 2015, they provided reconstituted T&C's that post dated when I took the card out with Egg and a Credit Agreement for BC (which was clearly made up as the account was with EGG!).   Appreciate you are being careful to provide advice and not push someone to do something that could end up costing more money, I'm up for the fight though!
    • Public backs debt enforcement to support vital public services - survey | CIVEA View the full article
    • you wont get eric and that doesn't solve your problem as thats mainly to do with private parking set asides really as most judges now view PPC Backdoor CCJ with dissent and grant it regardless.    i absolutely hate link and paul burrell he built up a £1B+ empire of wealth solely by conning debtors into paying debts they mostly didn't even owe, but in this instance you are on very shaky ground.   me pers i'd not even debated it and i'd just gone for it win or bust. once you get the set aside it should be plain sailing.   but you came for advice and i can't not be truthful here.   the only otherway to better gauge you chances is to SAR Barclaycard , get everything they hold. that will show you the cards that Link will have to play with , they might well be pants.      
    • I have read everything about these cowboys but need a little advice. I was issued my fine on 9/12/19 but only received a dated letter on 11/01/20.   Ive had all the threatening letters from DRP and now Zenith and ignored them all. My wife was driving our car but yet its my dad who's getting all the letters as he's the registered owner. They managed to get my number and rang me today, I busted them for being the same company but the guy on the phone was super aggressive. I said to him Ive spoken to Trading Standards and they told me by law a ticket has to be issued within 14 days of the offence. But as you can see it was over a month, I said this to the aggressive dude on the phone who actually knew way to much about parking fines. So I think they are actually under the same umbrella as VCS also.   He was firing back that the law doesn't state that and I should look at 2012 laws or something and the DVLA, and it takes time to get my details from the DVLA to issue my charge????   Does this mean anything to anyone pls Regards   Stuart
    • Thanks to both of you, I've PM'd Ericsbrother.   dx - I wonder if you would be able to suggest a couple of hypothetical basic defences that you think would be valid  (just to see if it sparks any thoughts of a different approach I could take)?
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    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 4 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • 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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How long do I have to go after a store that won't give me back a deposit for a special order they never gave me? Also how do I do it. This happened last December. Do to illness and a death in my family, I could not take care of this at that time. Thanks for any help.

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I went to a hair salon that specializes in hair pieces and extentions. The place hardly had anything in it which should have tipped me off. The woman said she was just moving in. I told her I wanted a stock piece and a custom piece. The stock needed to be at least 20 inches long. She said she needed a $500.00 deposit. I didn't hear from her for about a week, then I called. She claimed she was still looking at different factories. Then she was ignoring my calls. Finally after 2 weeks she claimed she could only get the stock in 15 inches which was no good to me. The other she did not order yet. I called her back and her daughter answered and I told her to cancel the order and charge back the money to my credit card and I hung up. The mother called back and told me she would not refund my money. She claimed she had put the order in for the custom (which she just got through telling me she didn't). This order had to be in by a certain date as my daughter was leaving on a trip and I told them that.

 

So here it was, a week before the trip and nothing. And she refused to give me the $500.00 back. My credit card company went after her and they came back and told me to try to go after her. I think she closed her bank account so they could not take it back. I don't think she is around now and there are other people she did the same thing with. I read this on line. I am trying to find her right now. Thanks for inquiring.

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Are you based in the US? As a UK site our expertise is limited to this country's laws, but the ability of your credit card company to seek repayment has nothing to do where the seller has their bank account. If you did not receive the goods you paid for, they shopuld reverse the transaction. Put it in writing to the card co, and see what they say. A complaint yo your local Better Business Bureau may also help, but push the card company first. If it was Visa, they also have a consumer charter that protects you.

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I am based in the US. I didn't realize this site was based in the UK. I will try to see if she is still in business. I am not sure about her name either but I do know her x partner's work name. I will try to find out some information from her. I will also go to the BBB. I know they don't do much though. I just wonder how much time I have to file a complaint or have a lawyer write her a letter. I am diappointed with my Mastercard. One person from the credit card told me I was covered. They put the money in my account and I had to wait 2 weeks I think. Then I got rejected notice and they took out the money saying that she refused to pay!. I have fantastic credit with them and never missed a payment and they do that to me? Thank You for your information.

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Visa International is pretty good when there are issues like this, Mastercard less so - however, you may find it was your bank's credit card department that put the temporary reversal on and did not escalate it to MC proper. If you didn;t get the goods, the CC should take up the slack, and no require you to become a detective and pursue the business owner.

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