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    • I noticed this in the wording of the last letter:   Really? Last chance? I bet it isn't as even court issued fines come with options to pay.   Typical bully boy tactics which should be illegal and actionable.
    • well there you go you see. not once have you mentioned that this was a commission refund determined by the Plevin ruling.   you can't have BOTH.   either you accept the plevin commission reclaim or  you reject it and push for a reclaim of the actual PPI sums paid.   Did you initially complain? or was this all shock after receiving a letter that a refund was due?  
    • In addition, the new Code of Conduct to be issued soon by the Government to prevent the issuing of unfair charges by the rogue parking companies includes preventing them fro charging motorists who have a valid permit but failed to display it. And of course when no permit is displayed in any event that motorist is then classed as a trespasser and only the land owner can sue for trespass. And of course having not only lost in Court at least once on the added £60 as well as a host of other cases being refused on the same grounds you will be asking for all of your costs to be paid and exemplary damages as well as a breach of your GDPR.
    • Have uploaded document.  I noticed that they were meant to have included some information from Which and Money Saving Expert but it was not enclosed.  Thank you. WoolwichLPc.pdf
    • Quick Update   So Moneybarn have gone silent again and the garage have now decided to pick the car up and repair the faults ( which should of not been there in the first place ).   Email they sent below so see what happens:      Thank you for providing the information.   We would like to collect the vehicle from your address this week. You will be contacted to confirm the time and availability. Once the vehicle is collected, we will then assess your claimed faults and repair any faults identified with the vehicle. Please note that we are not able to provide courtesy car as our insurance underwriters do not cover loan cars.   If you have any questions then please do not hesitate to contact us.   Kind regards,
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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My partner and I looked online for wedding rings and found the ones we wanted (plain silver bands) on the H Samuel website

 

we went into the store to have a look at them.

 

We decided to buy them and we were told the store didn't have any in stock but could get them in a week or so

 

we decided that was fine as this was 8th june and our wedding isn't until 3rd july.

 

When we paid for them we were then told it could be up to 3 weeks!

we told them we needed the rings by 29th june staff member said that would be fine

and they would ring us to let us know when the rings arrived.

 

Today I start getting worried and cos I'm heavily pregnant and my partner was in town

 

He took the receipt and asked in store if the rings had arrived.

 

They said no and rang up dispatch who told them that they had my partners ring in stock but not mine and wouldn't have any till 6th July!!!

 

Being a man my partner hung around town till 5 30 trying to figure out a way to tell me without me going mental (according to him anyway lol).

 

If I were to ring the customer services tomorrow with all reciept details would I be able to get a refund pretty quick?

Now that I need to buy rings again I'm very annoyed.

 

My partner didn't ask for a refund while in the store because he didn't just wanted to get out there he was so angry:-x

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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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I will flag your thread for attention.

 

It beggars belief .. doesnt it !!!

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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You don't meet the t+c of a chargeback*, just ask the retailer for a refund. I can't see how they would refuse being plain bands that are not personalised.

 

Feel free to post up the description of the rings (Metal, Colour, Width, Size and Style) and can try to be of help by finding an alternative for you.

 

 

*Part of the requirement on submitting a chargeback is to attempt to resolve with the retailer first, no attempt in this case has been made.

Ex-Retail Manager who is happy to offer helpful advise in many consumer problems based on my retail experience. Any advise I do offer is my opinion and how I understand the law.

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Hi bump

 

H Samuel have stores through out the country, the last thing they should do is let a customer down. Did they say they would call other branch's to see if another branch had it in stock? This is so basic, especially as they knew the dates and made a promise.

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That would be two Chargeback's then.

 

You don't meet the t+c of a chargeback*, just ask the retailer for a refund. I can't see how they would refuse being plain bands that are not personalised.

 

Feel free to post up the description of the rings (Metal, Colour, Width, Size and Style) and can try to be of help by finding an alternative for you.

 

*Part of the requirement on submitting a chargeback is to attempt to resolve with the retailer first, no attempt in this case has been made.

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That would be two Chargeback's then.

 

What??

Ex-Retail Manager who is happy to offer helpful advise in many consumer problems based on my retail experience. Any advise I do offer is my opinion and how I understand the law.

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P.s. don't expect Samuals to get the size right just had my wedding ring cut off by a & e

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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