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    • Hi,    I'm new to this forum and hoping for some advice!   I have various overdraft, credit card and loan debts, which are all a bit of a mess:   Barclaycard (2 cards) = £14,000 (1 card suspended, but not in arrears) Lloyds CC= £3,800 Tesco CC = £3700 Natwest CC = £650 Natwest Loan £17,000 Natwest OD = £1,400 Halifax OD = £1,500   Currently, I have not missed any payments, but I'm reaching a point where these debts are becoming unmanageable. I have just about kept up with repayments but now all 0% have ended and minimum payments are increasing making it impossible.    I am considering a debt management plan... Reading through other people's experiences, dmp's seem to have mixed opinions and I'm also unsure if I should use a company like Step Change or Payplan whether I'd do better approaching the various creditors myself.   My wife also has debts, but much less (approx £10k and up to date, but struggling). Is it prudent for us to both start a dmp, or will that effect our long term plans if/when we want to remortgage/move down the line? (i know it'll be 6 years after default before these will disappear from our files).   As it stands, my min payments next month are approaching £1k, which is absurd. What kind of level of min payment would I expect to pay in a dmp?   Also, there seems to be a lot of advice on obtaining CCA's. At what point should I be asking for these, or is this something best left until the debts are inevitably sold on?   Sorry for the multiple questions!   Thanks in advance,   A    
    • No I have not  . . . there are two loans bought by Intrum.  An overdataft debit and a Loan. The Overdraft debit has not been settled.   . . . It is still going and it is in the Simple Procedure Court  . . .  and this is what my post is about The Loan debit has been settled by accepting the dicounted settlement.
    • Thanks for the info. I actually got it wrong, it's not in the tenancy agreement, they were just told verbally when signing for the house so even less of an issue now. The agent did say if they had smart meters installed then the landlord would charge to revert them back to standard meters. I've already told my daughter they have no legal grounds to impose such a charge.
    • A shortage of shipping containers, rising costs, and congestion at ports are holding back imports from China. View the full article
    • Hi,   Thanks for replying. I don't have a copy of either the judgment or the claim form as apparently they sent it to my old address in my previous name. I've never seen them at all. I refused to give them my current address as I didn't think that was a wise move. I've researched a little and not sure that 1998 loans can be statute barred like other debts. I am a bit stressed over it all though, so I'm not sure of anything at the moment
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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TESCO TAT

 

WHERE ELSE BUT CHINA TO MANUFACTURE YOUR CHEAP AND NASTY PRODUCT ?

 

IT IS THE BEST PLACE BY FAR TO PRODUCE DANGEROUS, SHODDY PRODUCTS, UNFIT FOR PURPOSE.

 

TESCO CAN ALWAYS BE RELIED ON TO KNOW WHERE TO FIND THE CHEAPEST RUBBISH.

 

Yes, this is about a TESCO own brand toaster manufactured in China and foisted on unsuspecting little me in the quaint belief it would actually work adequately.

 

I mean, what could go wrong with a toaster ? Either it works or it doesn’t. If the electric element heats up it will toast the bread. If it doesn’t heat up it goes back to the TESCO supermarket from whence it came for a full refund.

 

It is the second TESCO toaster I bought. It took a long time to realise just how badly made they are. The first toaster just stopped working one day and as I had had it a few months, I didn’t think I would get anywhere asking the rapacious Tesco Supermarket for a refund. So, I bought another one. Silly ! I should have known better.

 

Toast always seemed to get stuck and have to be prised out of the thing. You had to get a fork and poke an prod and lever the toasted bread out. The slot to put the bread in was particularly narrow, being obviously designed to take only the ‘ironed’, flat, mass produced supermarket white sliced rubbish apology for bread that TESCO foists on millions of people.

 

There was no way this tatty TESCO toaster was going accept crumpets or any bread you might have to cut with a bread knife unless you cut it to carefully measured widths so thin it would inevitably disintegrate before you got it into the toaster.

 

There was always a possibility of death by electrocution too if you forgot to switch the toaster off at the mains because your fork, or knife, or whatever, would touch the bare exposed electric elements that glowed red hot with death inducing electricity to burn the toast with.

 

Nearly all toasters used to be designed quite differently with a flap you opened to place your bread in and then close it to push the bread up against the electric element. It was quite impossible for toast to get stuck and so no death inducing poking around the naked electric element with metal cutlery was ever needed.

 

The reason I suspect this well tried and tested - infinitely more efficient and safer design - is no longer manufactured is because the interfering, goody goody EEC Euro control freaks sitting on their immensely stupid backsides at our expense in Euro fantasy land (that’s Brussels) have decided that particular, safer design of toaster is too unsafe and it would therefore be much safer if the electric elements were less open to view and were hidden away down a deep dark inaccessible slot in which you poked your bread into.

 

These Euro crazed idiots didn’t think of the law of unintended consequences on their interfering, busy body diktats.

 

With the original design of toaster no one ever had to poke around live electrical elements with metal instruments to prise out their toast. But with the newer design now forced upon everyone by the Euro Prats, a great deal of poking about with metal cutlery in amongst the exposed electrical elements of millions of toasters goes on, as toast is forever getting stuck.

 

But, back to the real shoddiness of a lousy TESCO product that is basically a death trap.

 

Like other toasters, the TESCO toaster has little vertical wires in front of the dangerous live electric elements to keep the bread away from the glowing red hot element because if slightly damp bread was to actually touch the electrical elements they could ‘short out’ and a fuse would blow somewhere, or else your plug would melt and catch fire or something.

 

This kind of typical accidental short circuiting fault in all sorts of electrical equipment is a very common cause of domestic house fires.

 

But these little wires in the grimly shoddy TESCO toaster are not the robust, firmly placed and rigidly immovable little wires they should be, securely anchored at both top and bottom so they actually do their job reliably of keeping bread away from the naked electrical elements.

 

Instead, the wires are thin, not at all robust. They are flimsy and bend easily as you put bread into the toaster. But the crowning glory of sheer breathtaking, nasty, dangerous, shoddiness is that the bottom ends of these wires - right at the bottom of the little bread slot of the toaster - are not actually firmly anchored at all.

 

Instead, the cheap minded designer of the toaster decided to simply run the wires through a little hole in a metal plate right at the bottom of the toasting slot. This saves the bother of soldering the bottom ends of these wires and means the toaster can be made more cheaply.

 

But guess what happens ? Why, the bottom ends of the wires easily pull out of their allotted holes as bread is prised reluctantly out of the narrow toasting slot. This is particularly likely to happen almost every time the toaster is used if, like me, you either make your own ‘real’ bread, or just buy it from a proper baker, and then have to cut it with a bread knife.

 

This non uniformly shaped slice of bread tends to easily catch on of these pathetically flimsy protective wires in this cheap and dangerously nasty TESCO product. This is very likely to pull these wires out of the holes where they will randomly twist and bend as the toaster is used and they will snag your bread even more enthusiastlcally, until one day they contrive to touch two or more of the bright red hot exposed electric elements which will promptly short circuit your toaster, or house, or possibly your life.

 

So, that’s why my first TESCO toaster died so soon after buying it and this latest bit of TESCO Tat that passes itself off as a toaster has now got nearly all these wires waving in the breeze just waiting to cause a short circuit which will eventually kill the toaster, or me, or my family.

 

Meanwhile using the shoddy little rubbish TESCO toaster is just a nightmare.

 

Well done the Euro idiots and well done TESCO for producing a dangerous and breathtakingly shoddy product; and well done China for producing yet more sub-standard rubbish which is foisted on the rest of the World.

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I have to agree with you. I have brought Tesco electricials before and have taken every single one back, this includes a toaster, kettle and a Technika (Tesco's own brand) LCD tv with dvd combo. All of it was sh*t. I will never ever buy electrical goods from Tesco again.

 

And if your thinking of buying some electrical goods from Tesco remember its cheap for a reason and they don't refund your time and costs when you have to return it.

Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

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So you buy a toaster for £4.47 and expect it to be as good as one costing £40+.

 

Here is novel idea. Save up for a bit longer and get decent electrical products that will give years of service

and not fill up landfill sites so quickly.

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  • 4 weeks later...

Just reading through this old thread and all I can say is WOW! As bigoted as they come - unfounded insults against China and the EU - and all because people are stupid enough to buy electricals from a supermarket. If enough people stopped buying them Tesco would soon get the message but somehow I can't see that happening anytime soon!!

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Clearly being disappointed with your first Tesco toaster didn't make you think that perhaps you should inspect the replacement toaster for the "design faults" - there are various models of toaster that would accomodate the crumpets etc you desire but sadly, these dont appear in the Value range.

 

The phrase "you get what you pay for" is not just a collection of words with no meaning!

 

OMG - I cant believe I have bothered to respond to this :lol:

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