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    • sadly both yourself and HSBC do not understand how the hacking works. google pay IS CPA its not a DD. if it was a DD , where is the copy of the Direct debit mandate you signed...there isn't one ..   last break this down..   disputed payments - 4 November 2020 <> 3 February 2021 for the total amount of £2,621.44. The disputed transactions took place using four of your HSBC Debit Cards. - i doubt you said using 4 cards at all.   notice carefully they fail to mention what the you stated in post 1at ALL.   in November of last year, as when I was out shopping I found out my card had been suspended by HSBC. I was then contacted by the bank informing me that the account had been hacked, so HSBC then issued to me a replacement card.   but have said: The debit card ending 0297 was created on 23 August 2019 and was sent to the address we hold on file. The card was stopped on 17 December 2020  ...they are hiding something here ..a fatal bank mistake.   nothing HSBC has put actually means anything, it's all twaddle proving they have never even thought about CPA on card 1. even the Roblox IP comment and google play transactions can all be explained because....   i suggest all this stems from your sons gmail account being hacked, them being able to read all the emails in/out on the gmail online portal and thus being able to log-in to google pay , get the 1st cards details from funding source page..away they go.   all of the fraudulent transactions thus made via google pay to ebay etc and o2 or a account that got setup via the 1st card before it got cancelled in december....   pretty simple when you break it down.   rather than you typing things up it's much better to scan letters etc to pdf please. if and when you do SAR HSBC then all of the above can be proved.    
    • Good evening all.   I thought I would start a post here so others can follow it from start to finish to see how it all ends as reading posts on this forum have been invaluable to me so far and I want to contribute.   I'll deliberately leave specific details out due to the case still being open. I will say that the guitar is worth several thousand pounds.   At the start of April 2021 I booked a Hermes collection through Parcel2go, to return a guitar back to the store as I wanted a refund. The store policy where I purchased the instrument from is that you have to organise the return yourself. I usually use a more reputable courier but only two were available.   I did declare the instrument for it's true value but I did not take out the extra insurance offered as it was several hundred pounds and I knew Hermes would not pay out due to it being on their endless list of prohibited items.   My parcel went out for delivery over a week ago. Apparently it was not delivered. The tracking states it was later scanned again at the depot, where no further updates or changes have occurred.   Prior to collection I took photographs of the instrument, pre and post packaging so I can show that it was definitely properly packaged and labeled in case anything like this was to happen.   I have since contacted Hermes several times (impossible by phone, all done by the online assistant on their site and then email responses following on from that) and have finally been informed that they have lost it.   I have submitted a claim through Parcel2Go as this seems like standard procedure, plus Parcel2Go state they will investigate but I'm sure that's only asking Hermes where it is and getting the same answer. The payout offered is the basic £20 fee as standard by Hermes.   I have every intention of going as far as I can to get all of the true value back as I understand that they have a legal right to ensure that they do not lose or damage goods shipped. Any advice or guidance offered here could be the difference between achieving that goal or being very upset.   I will update you to let you know if anything changes.   Status right now: waiting to hear back from Parcel2go in regards to the claim    
    • You must rewspond to it and its best with a snotty letter.  
    • HSBC already say google pay is NOT CPA, DD= CPA, and they said the system not allow them to stop any google pay.   DX is not i dont want to listen to you, but they insist said anything set on phone is NOT CPA.    when i change the new card but the info on phone still keep old info, I did try before, i couldnt pay anything via the phone, so where gone wrong?
    • Hi,   Yes that's it and I have done everything they asked. I have been on the phone again after somebody told me what I had said was correct and the guy on the phone at HMRC said he is sorry that the other person gave me wrong information. My tax rebate has now been calculated and I have to wait for my letter. So if anyone else gets told similar to what I had first been told, it is wrong. Get back in touch and tell them so. Thanks for replying DX
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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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
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Currys won't accept there is a fault and won't refund!! :( *****Resolved*****

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I am so upset with the awful service at Currys. Yesterday I bought a red HP Pavilion g6-1241sa 15.6" Laptop for £399 with my credit card. When I got home and switched it on, it was fine but after an hour so online, the touchpad became unresponsive and the mouse froze. I switched it off and back on again. The mouse worked for a few minutes, but it started to lag and became 'stuck'. I lost all confidence in the product as this was only the first day I'd had it.


This morning I took it back (restored to factory settings, sealed and packaging as it was brand new) and informed staff of the problem. They tested it and said it's fine. We cannot refund you as there isn't a fault. Even though I told them it happened on and off. They refused to listen and treated me appalingly. Instead they told me to record it on my phone the next time it happens and bring it in as proof!!! Their customer service is awful. I will NEVER buy from them again but now I'm stuck with an erratic laptop that works fine one minute then faulty the next!! What should I do?? Help :-(:-(:-(

Edited by alexmax
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Hi, thanks for reply :) I am thinking of doing a chargeback but as I know nothing about these things, could you please advise what would happen?? i.e I would stop the payment going through but what can I expect Currys to respond with? This has really put me off and I have packaged the laptop back in its original packaging, restored to factory settings. Thanks in advance

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Hi alex


Your card provider will probably ask you to write a letter to Currys. Explaining that the product is faulty and you have sought a Refund from your card provider. They will tell you exactly what they want you to do, remember to send any letters Recorded. You have no reason to be scared. I'm sure Currys

will object, but as you've stated the product is faulty.


Remember Chargeback's apply to Credit Cards/Visa Debit Cards.


Hi, thanks for reply :) I am thinking of doing a chargeback but as I know nothing about these things, could you please advise what would happen?? i.e I would stop the payment going through but what can I expect Currys to respond with? This has really put me off and I have packaged the laptop back in its original packaging, restored to factory settings. Thanks in advance
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Just wanted to let you know that I managed to get a recording of the fault and have managed to get a refund. But I will NEVER shop at currys/Dixons or PC World again. Thanks for all your help



what curry's coughed!!!


tell us more



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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They refunded the amount I had paid for the laptop although they tried initially to exchange with another one which I was having none of LOL :-D After standing at the desk, raising my voice for other customers to hear, they had no choice but to refund me. So my advice is, be persistant!!

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