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    • 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.
    • and that facts start to come out 'Inexplicable' failure to quarantine travellers to the UK made pandemic 'far worse', say MPs UK ‘almost unique’ in rejecting border checks in crucial March period – without scientific basis – as hundreds of infected passengers arrived every day   https://www.independent.co.uk/news/uk/politics/coronavirus-uk-quarantine-travel-cases-deaths-covid-a9653451.html   "Strikingly, it says the Home Office refused to set out any scientific advice to explain the “grave error”, despite repeatedly promising to do so – a stance attacked as “completely unacceptable”."   So even aside from not testing in any way people who returned: "Yvette Cooper, the committee’s chair, said the critical mistake was the decision on 13 March – 10 days before lockdown – “to remove all self-isolation guidance for travellers arriving in the UK”."   "The MPs also pour scorn on the Home Office’s argument that 99.9 per cent of arrivals are obeying requirements to quarantine for two weeks, finally introduced in June. They describe the claim, made by home secretary Priti Patel as “unreliable”, because it appeared to be based only a limited number of compliance checks made and three fines issued."       So not only did Johnsons cronies NOT make any efforts whatsoever to test people returning, and NOT properly check people were self isolating, they actually stopped telling returnees to self isolate for 10 days before the country was locked down as the number of epidemic infections exploded.   Wonder why?   "The committee’s inquiry heard that, in the crucial 10 days between scrapping isolation guidance and the lockdown, up to 10,000 infected people arrived."  
    • You can pay on the day of travel or by midnight the next charging day..   Appeal to TfL on the grounds that you have already paid within the allowed time and enclose proof of payment.
    • Hi Andy should  try to sttle for A minimum f&F ?? Also what happens to older credit card debts in probate that we have all discarded??
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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.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
marg53

Link Financial a year on

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Hello everyone

IN October last year I posted asking for advice regarding Asset Link Capital/ GE Money. We had been harrassed by Robinson Way then received a threat of court action from Horwich Farrelly. We did not owe the debt as we had paid off the debt through CCCS. I have all the statements from CCCS showing NIL balance we had been paying since 1998.

Following great advice I sent them the Doorstep letter , No knowledge of debt letter and sent the £1 postal order asking for disclosure of all documents .

THe solicitors backed off, Asset link capital sent a letter with a statement of account since assignment showing a 3 line balance and promising full statement from original provider as soon as they were to hand.

These never materialised then last week a year later we receive a statement of account from

Link Financial same Loan agreement number as previously and same amont owed, now do I send a copy of all the same letters again ? What should I do ? I would be grateful for any advice.

 

Thanking you all in anticipation

Margaret

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Send them a copy of your zero balance statement.

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if you know you paid it and you have the paper work to back it up ,tell them to take you to court as you will be applying for all your costs for the defence & harrasment. see em run a mile.

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Thanks so much twofoot and magician.

I was reluctant to start resending all the letters again so you advice is very welcome.

I think threatening Debt collectors with court will make a nice change for me!

Keep up the good work.

Margaret

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Have you checked your credit file to see if there's any adverse data about this on there?

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Hi Seminole

No I have never checked my credit file.

Dont know if I want to as having spent 12 years paying almost everyone back it may just be too depressing to read.

Thanks for your help

Margaret

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Personally I wouldn't send them anything at all, they're not deserving of it. You'll just go round the houses with them again if you start firing off yet another round of 'we've paid it off'


I reside in Dawlish Warren but am not a rabbit.

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Thanks Deb T.

Yes they are annoying, I dont want to send them all my evidence of payments as surely they should already know its paid off!

They are just trying tro get more money, We dd finish one of our debts off and that company/ debt collecting agency sent us a letter saying we still owed them and trustingly or stupidly we paid them.

We are not going to do that again.

Cheers for the support

Margaret

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I'd be inclined to send them one letter:

 

Dear Sirs

 

Re: xxxxx

 

I refer to your demand for payment dated (date).

 

This debt was settled on (date). Since the debt no longer exists, no payment will be forthcoming.

 

You are reminded that the Office of Fair Trading, in its Debt Collection Guidance, considers "ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment" to be an unfair practice.

 

Take notice that I will not enter into correspondence in this matter, and will view any further demand for payment as harassment within the meaning of the Protection From Harrassment Act 1997, and take action accordingly.

 

Yours etc.

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Thanks so much scarletpimpernel.

I shall type that out tonight and send it recorded delivery tomorrow.

I would say that should get shut of them but I thought that last year.We shall see.

Thanks to you and everyone else who has taken the time to give me great advice and support.

It is much appreciated

Margaret

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