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    • DX: I did not pursue Link after I got the CCJ amended to monthly payments. Pretty sure the CCJ does not mention reviews, I do have the CCJ somewhere, I will have to look it up in storage. It is as mentioned on the thread you referenced  in your post #28. The Barclays loan was taken out in September 2004 for 60 months! Current Balance remaining approx £2K. On checking back my past correspondence with Barclaycard about this loan, there was a history of them ignoring my letters and offers to pay, and I even had problems in obtaining their bank account details for them to accept my payments! I have received strange correspondence from them too, one referring to insurance which I did not have. They seem very disorganised! Barclaycard told me to pay "Masterloan" a while back and I now receive regular statements and arrears notices from "Personal Loans from Barclaycard" clearly marked Masterloan, they changed the account reference number! I have never requested a CCA on this account. I advised them of my change of address last September, but they are still sending, until today, statements etc. to my old address! I have received 2 letters from Barclaycard Loan today though, not opened them yet!!
    • Yes, a few months ago. They wrote back saying there was no CCA and the debt was unenforcable. I then started gtting bombarded with threatening emails from their 'litigations team' which have been sent to spam. I've now recieved the letter before claim with the PAP form enclosed, but still no CCA or even a letter from them to say the debt is deemed enforcable. Thank you.
    • That's a shame but not unexpected.  I'm not sure about your assumed  questions because I haven't been to court but I'm not sure about not accepting a criminal record. It could be a language thing but it isn't your choice unfortunately.  HB
    • Have you previously requested the agreement by a CCA request ?
    • Just to clarify then, should the reason I am disputing the debt be that they have not supplied all the relevant paperwork (CCA) and the debt is therefore unenforcable?
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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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Phones4U Disaster!


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Hi all,

 

I went into this shop on my way home and i need to point out that i was very very drunk (one of those days!)

 

Anyway, i got roped into a contract, i cant even remember what happened really, even the signature on the contract is nothing like my signature!!!...

 

To top it all off the phone reception in my house is terrible.

 

I only "signed" for this thing on the 17th......what chances do you think ill having of getting out the contract??

 

There is still as new and I have all the accessories

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You have 14 days to cancel it. You are liable only for anything you have used on it up to the time you cancel it. Calls, texts etc

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Nope. The law says you have the right to cancel within 7-14 days. They cant stop you.

 

Thats for online or phone. If you went into the shop, you dont have any immediate rights, but the shop could cancel it. If you were clearly drunk, then it would have been misold to you, but then youd have to get the cctv to prove it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I couldnt even sign my name so i was clearly drunk for sure. I would have thought the contract wouldn't stand up well in a court if the store didn't check this against my credit card.

 

Plus as ive stated, the reception in my home is unusable, it clearly states on the Phones4u paperwork that I have a right to cancel if this is the case.

 

I need out of this contract big time, ive just been made redundant! :sad:

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If phones4u state that you can cancel, then you need to speak to them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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If, as you sate, phones4u said you can cancel, then go through them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Not that it matters in this case but for reference the DSR gives you 7 days to reject the goods and not 14.

 

Does the DSR apply if he took out the contract in a store, and left with the new handset from the store?.

 

However, that is moot if the contract is voidable if the OP's intoxication at time of signing gave rise to a lack of 'capacity': be prepared for them to argue "he didn't seem drunk to us!"

 

"You can only cancel if it should have been obvious to the trader that you didn't know or understand what you were doing when you bought the goods or services" : see (for England):

http://www.adviceguide.org.uk/england/consumer_e/consumer_protection_for_the_consumer_e/consumer_contracts_e/who_can_make_a_consumer_contract.htm

 

Similar applies in Scotland:

http://www.adviceguide.org.uk/scotland/consumer_s/consumer_protection_for_the_consumer_e/consumer_contracts_s/who_can_make_a_contract_s.htm

Edited by BazzaS
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No DSR does not apply here,it was more a reference to a previous comment.

 

Randomboy, from my experience and press mentions of this company they really will not care if you were blind deaf and dumb if they could get a sale.

 

Let us know if you get the contract cancelled.

Any opinion I give is from personal experience .

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Good news guys!!

 

I managed to get it cancelled on the grounds that i could not fully appreciate the nature of the details of the contract as i was so intoxicated. I went into my own provider (Three), and they confirmed that id been in there that day and they had refused to serve me so I used this knowledge against Phones4Poo!

 

So im back on my contract with 3 thank god.......truly unlimited data, no catches, 2000 minutes, 5000 texts, £35.00.....plus i can set a cap so i always know what my bill will be and dont have to keep checking on what im using.

 

Forget Orange and the rest of them, I only had that contract a week and managed to rack up a £200 bill on top of my contract because i didnt know there was no credit limit and you cant even set one......what a [problem]. That contract was £40, 900 mins, 500 texts, 1 GB Data.......yeh, right!!!

 

Good job im kinda persuasive when i need to be too, you have to stand up to these money grabbing con artists!

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