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    • Thankyou  they are called ‘Discount Electrics’ Sutton - in - Ashfield Nottinghamshire 
    • Hello and welcome to CAG. People should be along to advise over the course of the day.   Which retailer are we talking about please?   By the way, something seems to have gone wrong with the spacing in your post above so I've popped in some paragraphs.   Best, HB
    • I'm after some advice before I fill in and return the section 172 "request for driver name and address".  I am the registered keeper of the vehicle stated .   The alleged offence (Exceeding variable Motorway speed limit 68mph in a 60mph zone) was committed on 29/07/2020, the NIP is dated 31/07/2020.  On Wednesday the 29th July 2020 a friend and I were driving for a much needed break from South Wales to spend a few days in Yorkshire, we shared the driving for the 4.5 hour journey at just over an hour at a time each.    My problem is this, 1.I have no idea of the location or recollection of the place to which the police refer (M1 Northbound Duckmanton Derbyshire?)  and 2. I cannot say with any accuracy which of us were the driver at that particular time.  I have a clean driving licence and am usually very speed aware using the cruise control at most times.   an offence for a mere 8mph on a motorway with everything that is going on at the moment seems extremely harsh IMO.     I would much appreciate if anyone could offer help / advice at what I should do next? Many thanks  🙁
    • 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.
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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.
       
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      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
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inapickle2010

HSBC Credit Card Problem whilst living abroad

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My wife has had an HSBC (previously Midland) current account and credit card for nearly 30 years. In January this year she went over her credit limit by £130, but has since continued to pay the regular payments. She went to use it last month without success and was told by HSBC it had been closed in January 2010 and we had been sent a letter, although we did not receive this. They also stated that as part of the criteria for holding a card at least £500 pounds a month has to be received into an HSBC bank account, which it has not.

In addition to not receiving the letter, or email or online message, the account has consistently stated credit available.

As it happens this has come at a difficult financial time for us, although hopefully only short term, and have spoken with HSBC about our problems and requested extending a small overdraft, but was told this was not possible because the £500 a month rule applied.

Consequently we have not paid one months payment on the credit card and another is due in a few days.

We have lived abroad for over 8 years, currently resident in Spain, at an address the bank is aware of. This is the reason no regular payment is made into the bank, although I had £6000 paid in during the year but was told this being in one lump sum did not count!

We feel very upset with HSBC for being treated like this after so many years as a good customer, trying to speak with someone who can help seems impossible, they post all the information about trying to help but the fact is they aren’t interested.

We do not feel inclined to continue making payments and currently are unable, so having read your forum wonder if we are in a position to send a CCA letter to have the account frozen?

Also, being resident in Spain, does this affect the banks position in chasing and securing the debt?

Or should we simply write and request freezing interest but agree to pay what we can a month?

Really welcome some advice, also wonder about these debt management companies advertised – anyone have good /bad experiences?

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