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    • PAC code   https://tinyurl.com/yxhxcsxf   ...
    • Noted! Hopefully there won't have to be another time though!     I did respond to the email, I just basically said that he cannot deduct any costs incurred for collecting / picking up the vehicle and if it heads down the route of ADR which is a total new concept of me having any evolvement with, that he would have to pay a refund/the cost of the car and the cost associated with the collection of the vehicle.    Apon further checking the legislation because he gave me no cancellation rights prior to the contract starting he is indeed guilty of an offence, which is the likelihood of what trading standards are dealing with in regards to his local TS contacting him.     
    • hi,     Just asking for some experience or knowledge.     I purchased a puppy on the 30th of august. On numerous occasions I was in contact with breeder and asked if the puppy showed signs of entropion.    I was told no.   On the 26th of August puppy had first jabs. And apparently their vets said none of the litter showed sign of entropion.    On collection of puppy I noticed he was covered in green mucus. The pen had dog muck spread in there so assumed it was just from pups playing and maybe getting it in each others eyes (poor hygeine on breeders part)   Anyways,   Asked breeder to wipe pup and we left       With in 3 hours we realised that the puppy wasn't well. He physically couldn't open his eyes and when we attempted to clean them his eyeballs weren't visible.    We phoned an out of hour vets and contacted the breeders immediately.     The pup was taken to the vets and we were informed he had a severe eye infection which was a result to entropion.    The vet bill came to around 900 after tacking and meds etc. I asked the breeder to cover the costs. They said no because their vets said their was no issues.     The state on this puppy my vets think he's suffered from birth.     And most certainly not 5 minutes before I turned up.      I've filed a small claims for the cost of the vets and the cost of the puppy.      Where do you think ill stand?    What type of evidence will the judge want to see. Thanks
    • This week, Nationwide has launched a rival account to NS&I's highly popular Premium Bonds giving savers the chance to win £10,000, on top of ordinary interest. View the full article
    • yes i said does and not doesnt duh!   i'll convert that email to PDF for you.   its probably alot easier just to login to your email providers website from a PC and simply copy and paste the textfrom the email next time   dx  
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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 .

Sainsburys Bank loan - want to come to my house!

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I have lost my job and having trouble with my bills - thank god I found this site.


I have a loan with Sainsbury that I signed for in December 2007 at my house as they have a rep visit you with a cheque. The balance is for just under ten thousand.


I sent a letter asking to suspend payments and interest for six months and at the same time sent a cca letter. As soon as this happened and before payment was due, I started to get a lot of phone calls - I always refuse security checks and say to write to me. I have now received a letter to say that they will be visting my house.


Should i send a follow up to both of my other, tommorow is my 12+2 day and some lenders (bank credit card) have agreed to suspend payments for 120 days.


any help appreciated.

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Hi all this is a copy of a copy etc for dont come to my door.


Dear Sirs,


Please be advised that I am only prepared to communicate with you in writing. OFT rules and regulations clearly state that you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).


Therefore take note that I revoke license under Common Law for you, or your representatives, to visit me at my property and if you persist in sending “doorstep callers” to my home, you will be reported for harassment and be liable for damages for a tort of trespass. You would also be liable for conspiring in a tort of trespass by acting in defiance of my instructions and sending someone to visit me nevertheless.


Should it be necessary, I will obtain an injunction.


Yours sincerely,



all the best dpick

cannot find it A to Z





Halifax :D

Paid in full £2295


MBNA:mad: 20/03/2008 settled in full out of court


Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs


Littlewoods :-D

12/08/2007 write off £1176.10 debt.


JD Williams charges refunded in full £640

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I have a debt with Sanisburys bank for almost 15,000 and have not been able to make a payment for two months. I wrote to them to explain the situation and ask for six months breathing space using the template letters. I also paid £1 andused the template CCA letter.


They have acknowledged my six month request - advising me to call them to discuss. In the same post I have also received what looks to be a valid default notice.


Im not sure that I should do, all the advise on here says not to telephone but they have draw their line in the sand so to speak and Im not sure how to respond?

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I would say that if you do ring them, try to record the conversation.

If you don't want to ring them or can't record the conversation, just write back and state that you would prefer o deal with this matter in writing.


I'm a bit confused though. You have asked for "breathing space" AND asked for your agreement. May I ask for what purpose?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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quite simply and honestly I have lost my job and cannot afford to pay right now and have asked for breathing space from all creditors, some have been ok, most have ignored this request. I was hoping that being upfront would make my credit history better and there are poeple on here that seem to know how to deal with such problems.


I asked for cca at the same time as i had read on here that you should know where you stand but as this is a pre 2007 agreement, I dont hold out much hope. I dont see what the conversation is, I have only jsa to live on and until I manage to find a job will be unable to pay.

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The reason I asked about asking for your agreement was that some people try to use this as a tool to avoid paying a debt-something that is NOT advocated here but from your response I understand your situation.


Have you seen our template letters?




The letter template and budget planner is very good,


As you are on JSA, this amount is the MINIMUM the Government say you can live on. Non priority debts must take a back seat and you are dealing with this the best way by being upfront about it.


Have a look at this:



Creditors should be sympathetic to your situation although it is true that some don't

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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To be honest my debts from being a student have never gone away and had I known about this site 5 years ago im sure that I could have kept interest much lower and be in a different position now. Although I dont agree with avoiding debts, Id take any magic stick right now but in the real world Im just trying to do the most sensible thing I can.



Thanks, I will have a good look at the lending code. If nayone else has anyadvice or which template letters may help then id appreciate this.


Im thinking that the Failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale letter would help as surely they should not be defaulting me when the account is in dispute or should I accept that there is little I can do about this default on my records for 6 years?

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Unortunately, since a test case last year, creditors are now allowed to default you.(even when the account is in dispute) The debt still exists and so long as what they report is accurate then there is not much you can do about it

I happen to think this is better done now than 6 months down the line.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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