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    • You will be subject to the same laws notice periods and protections as with any length of contract.    From my own and other’s personal experience I would treat it as an amber warning light to start putting out feelers into what’s out there on the market   A 6 month contract is great for people who might be waiting for a new build , or having renovations done on their own property. For someone like yourself who wants security it might well be time for you to consider moving on.
    • Thank you. You still haven't given as much information. We need more. Please will you tell us who the retailer is – are they in UK or elsewhere? What was the item and what is its value? Did you declare the correct value? Or did the retailer declare the correct value? You say you paid by credit card – not a debit card against your bank account? Please read around all the Hermes threads on this forum. There is lots of good information there. In particular understand your rights under the Contracts (Rights of Third Parties) Act 1999.
    • I am sorry, but without seeing the contract, and knowing what is on it or what effect it has, it is impossible to say.     
    • A16 BYN is the plates that the car was advertised with, and obviously the plate which I checked the mot history with, I also thought the same that the website maybe hadn't been updated with the most recent mot that the dealer had got done, I asked for the original plate number whilst doing the logging in to my bank account, to pay both the dealer and the shiply transporter. Bearing in mind I had told the dealer around 6pm that I would get the deposit sorted out when I put my son to bed, that gave him every opportunity to send me any pre contract details etc. Just over an hour later (son still wasn't in bed) asked for the address of where the vehicle was to be picked up from as I couldn't accept the quote for the transporter without that information. Less than an hour after that he whatsapped me asking if I still want to buy the car because he's getting enquiries from other interested parties and is telling them that he's sold the car to me (no deposit  paid as yet). I then replied a few min later having finally got my son to sleep.    Anyway between me sorting out the details and where to pick the car up from, log into my banking to pay deposits etc he'd  messaged me the original plate no... which I didn't see until after I'd done all the aformentioned.    I decided to check the history on that plate as like yourself I had been confused about the mileage, low and behold there was the most recent mot containing 5 advisories which were never mentioned to me. Another thing I can't really understand is the expiry date of the mot before that either and I did query all of this with the dealer, only to be told that cars in Scotland are renowned for corrosion issues...and that if I had checked the mot history I would have seen them, I explained I had checked the history on the plate in the advert as I had no knowledge of what the original plate numbers were and he told me that the most recent mot was under the plate in the advert. Most certainly the mot certificate he then sent me on whatsapp had the advertised plate on the certificate,  however, it wasn't showing up on the dvla page.    By this stage I was irate with him for several reasons, for not notifying me of the advisories and telling me that he had checked the dvla and the most recent mot was showing up on the advertised plates, I then screenshot the page with the expiry and this car is not mot'd information, and 2 for telling me that cars in Scotland are renowned for corrosion issues!    Had he simply said, the car is 18 years old you're going to expect to have some corrosion at some point, I'd have been a bit more tolerant at that stage. Apon checking the history on the original plates, it transpired it passed the last MOT previous to the most recent one on the same day the advertised plates ran out, I still haven't quite fathomed out what is going on regards to this. However the previous mot showed no corrosion issues and as it hadn't failed on that basis, I would get the panel beater sprayer mentioned in an earlier post to have a look at it, and sort the issues out re that, also the main reason I had the car delivered to my dad's address as that's also the area where the panel beaters business is.  
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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 .

How i stopped the annoying telephone calls on my mobile!!!!!

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The golden rule is never talk to DCA’s on the phone you should insist they put everything in writing and send them the excellent phone harassment letter and demand they stop phoning you.

In the mean time you’re going to get the annoying phone calls, just the phone ringing constantly is a strategy to annoy and harass by the DCA you into paying:

I’ve found some tool tools to help:

I phoned BT and asked them to bar all anonymous calls (“caller withheld”) (141) numbers easy simple and free took 10 minutes also might help with telemarkets and prank calling

Most DCA use proper phone numbers these days but this did help!

I then down loaded a cool application for free onto my HTC phone called “easy filter” this allows me to:

Block an Anonymous calls

Create a black list of numbers

Or for whenit’s really bad, block all calls that are not in the phones contacts list

It logs all rejected calls

Blocks unknown sms messages

All this is configurable

You can either block or send to voice mail

I’m sure there a version for the iphone and other similar applications for other smart phones, Lets all try and make there life’s harder!

any other ideas?

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I use the "BuzzOff" app on my BlackBerry. There are a few apps but the key is to use one that has the ability to pickup-and-hangup immediately meaning you don't keep getting annoying pre-recorded answerphone messages. It too can deal with witheld numbers

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I've got a similar app on my Blackberry, only problem with the pick up/hang up facility is that it still shows as missed calls when you unlock it and if you are driving at night, the phone lights up to show a missed call or if you have it in keypad lock an annoying red lights flashes.

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!


If I have helped you, click on the star & say thank you

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Guest Cartaphilus

Whilst I don't answer numbers I don't recognize - unless it's someone like a hospital, whom I already know are calling of course - I came across an application the other week which you could use to record phone calls on your mobile. It was on a free trial (typically, as with many phone applications, you don't know that until you have downloaded it from a 'freeware site).


Another way I have dealt with them recently is redirect the calls to a number that is not in use. Do I care if it drives the person up the wall phoning from a DCA, getting a 'sorry, but the number you have called is no longer available' along with the tinny, annoying audio warning signals or similar. Not one bit!

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if you are driving at night, the phone lights up to show a missed call or if you have it in keypad lock an annoying red lights flashes.


You can turn the LED off in Settings --> Options. But seriously... how easy do you want it to work...?

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Subbing - very useful thread.

At your Service


Please Double click the Star and leave a message if I have helped you


Please support CAG and they will support you.

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I have the Blacklist app on the iPhone... very useful for getting rid of unwanted callers... in fact I changed to an iPhone just so I could have this facility!

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Application can be downloaded for free for:


the apple Iphone


All android phones HTC ect...

you can get a htc phone or a blackberry for around £100 on pay as you go no need to pay £350 plus for an iphone


as smart phones come more and more popular it's going to make the DCA's life harder and harder to get through :)

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Perhaps CAG might want to make a bit of funds this way. Get a deal with a supplier ;)

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.


Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.


If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.


I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...


<--- If you feel I've helped, please twinkle my star :)

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Ooh oooh, I know I know!!!

http://www.freespeech.co.uk/home/index.html get one of those and give it to DCA's, that way the only time you ever know they have rang is when you log on to your emails, and you can even listen to their incessant inane ramblings online also.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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Perhaps CAG might want to make a bit of funds this way. Get a deal with a supplier ;)


perhas CAG could make some money by:

by partner one of the applications vendors and get them to do a modification of the application for people with debt, CAG could supply all the know phone number of the DCA so they could be added to black list as a bulk load.


they could also agree to email (spam) all the registed folks who have posted in the debt forum regading the moded application


the apps vendor could use the CAG brand name to sell the app and have a ldown load link on the cags website, they share the profits say a 2 quid download 1.50 to the vendor and 50p into cag





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