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    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
    • That's fine - I'm quite happy to attend court if necessary. The question was phrased in such a way that had I declined the 'consideration on the papers' option, I would have had to explain why I didn't think such consideration was appropriate, and since P2G appear to be relying on a single (arguably flawed) issue, I thought it might result in a speedier determination.
    • it was ordered in the retailers store  but your theory isnt relevant anyway, even if it fitted the case... the furniture is unfit for purpose within 30 days so consumer rights act overwrites any need to use 14 days contract law you refer too. dx  
    • Summary of the day from the Times. I wasn't watching for a couple of interesting bits like catching herself out with her own email. Post Office inquiry: Paula Vennells caught out by her own email — watch live ARCHIVE.PH archived 23 May 2024 11:57:02 UTC  
    • Frankly I think you should go to a hearing unless you feel especially nervous . If you have any worries then you should follow our link to find out about a county court familiarisation visit     You shouldn't forget that county Court judgements are very helpful but they are not binding. They are only persuasive.  It is difficult to see you losing but it might be better to be there in order to counter any arguments from the other side
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Misled by Publication - can we do anything?


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I hope this is posted in the right place as my wife and I feel deeply agreived by the actions of a magazine.

 

I have anonymised the text below deliberately.

 

My wife has a very small business which she operates as a sole trader and was apporached by a magazine to place an advertisement which she did. This was only done as the publication in question presented itself as being something it wasn't i.e. affiliated to a specific and respected trade organisation which it was not.

 

My wife has done the following:

  • Telephoned the trade body - who claim this is very common for this publication and they are highly frustrated by their actions.
  • Telephoned the publication itself who - unsurprisingly deny any wrongdoing and had the audacity to accuse her of libel (difficult for a phone call!)
  • She is going to contact trading standards (but I know they have their limitations hence this thread)

As the advertisement was taken entirely as a result of this publication misrepresenting itself (primarily by omision and slight of hand rather than overtly) is there anything that we can do as the money spend (c.£600) would be useful for the business and would not have been spent with this publication if they had been honest with us.

 

In short we feel we have been conned.

 

Thank you in advance for any help.

 

A n d r e w

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Yes, you can always take them to court for misrepresentation or fraud, in small claims court, then a judge will decide if your claims are founded.

Suggest you write a letter before action asking for a refund and depending on response, decide if you want to go down that route. does not cost too much, get the forms from your local court.

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might be worth taking a peek at

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?42695-Advertising-[problem]-Small-Companies-beware(1-Viewing)-nbsp

 

lots of people having this problem

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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My wife has a very small business which she operates as a sole trader and was apporached by a magazine to place an advertisement which she did. This was only done as the publication in question presented itself as being something it wasn't i.e. affiliated to a specific and respected trade organisation which it was not.

 

This is specifically defined by Schedule 1 to the The Consumer Protection from Unfair Trading Regulations 2008, as a strict liability criminal offence:

 

4. Claiming that a trader (including his commercial practices) or a product has been approved, endorsed or authorised by a public or private body when the trader, the commercial practices or the product have not or making such a claim without complying with the terms of the approval, endorsement or authorisation.
This means that in order to secure a conviction, all you have to do is establish that they said they were when they're not.

 

As to Trading Standards, far from being limited, the Regulations prescribe a Duty to enforce which means that if they don't, you can act against them.

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As your initial enquiries were done on the telephone, you should write to these bodies and get it in black and white before you kick up too much of a fuss, it will make life, and any further action, so much easier for you.

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As your initial enquiries were done on the telephone, you should write to these bodies and get it in black and white before you kick up too much of a fuss, it will make life, and any further action, so much easier for you.

 

Intersting point. The initial focus at present is discussions with the bank and the organisation they are 'piggybacking' on.

 

My wife - unlike me - is rather organised.

 

Thanks again

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