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    • Just as the title says, if ever there was a good reason to ditch Micro$oft and move to Linux then this is it :-   Giving Windows total recall is a privacy minefield • The Register WWW.THEREGISTER.COM It's only a preview, and maybe it should stay there ... forever Help is available, most modern PC's can run a version of Linux suitable for your needs and it is not difficult to use or learn. Ubuntu is popular, new version is very modern Garuda Linux is the one I use, based on Arch, rolling release, bang up to date. I have friends and acquaintances, old and young, PC Literate and not. Most people who try it never go back to Windows Hamster
    • I've had to hide two of your posts.  Anyone clicking on your links gets sent to external sites.  On top of that your real name is showing on one screenshot.  Fellow Site Team member dx100uk has already politely asked - Anyway, jk2054 wants to see the communication you got from your local court which will have told you about the hearing date of 17 June, and will have mentioned a deadline for filing your Witness Statement.
    • I believe it is helpful to seek guidance from a range of places and decide on the validity of the sources and frequency of responses which are most helpful. A single voice can be a dangerous thing. As, of course, can groupthink. Scott, it feels like £4k on a solicitor for a £1.5k bill is overkill. Were we back in time I'd suggest small claims court as your claim sounds like it may be straightforward? By all means add that phrase on. I also suggest you contact the court and go and sit in on a couple of similar cases to get a better understanding before you shell out.
    • a card should be 16 digits...urm... note your dates above please. do not miss them no matter what happens  ......................... pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Which Court have you received the claim from ? Northamton, civil national business centre Name of the Claimant ? PRA Group Uk Portfolios ltd. How many defendant's  joint or self ? self Date of issue –  21 May 24 date of AOS - 07-06-2024 date for filing defence by - 21-06-2024 Particulars of Claim 1. The claimant claims the sum of £5600 for an outstanding debt owed. 2. On Mar 2000 the Defendant entered into an agreement with Barclays Bank Uk PLC for a credit card under reference ( 11 digit ref ). 3. on Mar 21 the defendant defaulted on the agreement  with an outstanding balance of £5600. 4. On Aug 21 the debt £5600 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on Dec 23. 5. Notices of assignment were sent to the defendant in accordance with S136 Law of Property act 1925. 6. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND THE CLAIMANT CLAIMS 1. The sum of £5600 What is the total value of the claim? £6100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No - just emails threatening action   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? no Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card   When did you enter into the original agreement before or after April 2007 ? before - in 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't recall - I suspect post / online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? am awaiting access - but I suspect it is    Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. assigned - debt purchaser has issued the claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Pretty certain - Yes   Did you receive a Default Notice from the original creditor? pretty certain - Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? there's been gaps - they went very quiet  Why did you cease payments? Covid lockdowns  What was the date of your last payment? i thought it was 2020 - they say 2021 Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
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MakeOver Studio London

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I found a thread on here relating to issues with this company from 2012,

however as there is nothing more recent then


I thought I would start an additional thread.


Unluckily I was also spoofed by these people,

and my partner and I ended up paying £450 in total for photographs we didn't want, and are now in dispute.


I wondered if anyone else had any more recent dealing with these people.

So far our communication with them has gone as follows:


After having to pay £450 for photographs, and being informed we would be charged £800 other wise

we emailed them to request a refund for the £200 as we thought having read over the T&Cs

that they might have us on the having to buy 5 photos for £50,


but we were informed on the day that we could only buy the cheapest which was a CD for £450.

Received the following response after insisting they speak to us via email rather than on the telephone:


Dear Ruth,


As you know management we have been trying to contact many times via the telephone for a brief report f

rom you and once logged then the company could have efficiently reviewed the circumstances.


You ultimately request a refund of £200.00 for the purchase of your artwork.

Unfortunately we have to decline your request.


There a variety of reasons for this.


To confirm,

you applied for a competition we held for a professional makeover and photo shoot session

valued at £399.00 per person which was completed on 18/10/13.


There was specific terms as there are with any promotion / competition attached to it. I


n regards to this, Makeover London requires a small deposit of £50.00 per person to ensure arrival.


This deposit is made fully redeemable at the end of the session

meaning you put it towards an artwork package which you did.


The reason why in this occasion we are unable to process a refund is you have purchased the images on a copyrighted CD

hence the reason why both parties sign a legally binding agreement

which clearly states it cannot be refunded and cannot be cancelled.


You knew this before you signed it and before she paid using a chip and pin.


As you know the copyrighted images on a CD is the most luxurious format the studio offers a customer

as it allows a customer to back up the images on a computer,

copy it, create their own frames, prints, portfolios and promotional uses

hence the reason it cannot be returned.


This also was explained on the day.


You cannot return a copyrighted CD as you have ability to copy it and back it up before you return it.


You entered your chip and pin entry into our card system voluntarily,


you chose the images your self you wanted to purchase,


you signed legally binding contract yourself with a member of Makeover London

with specific Terms and Conditions stating it cannot be be cancelled

and is non refundable and


finally you took the copyrighted disc home with you at the end of the session

meaning you probably have already made use of the images.


Because of this,

Makeover Studios have considered this case as remorse buying

where you regret the purchase but it cannot be returned or refunded

because of the format you made the purchase on.


No one can force you to make a purchase Mrs. .......


What you should have done was to leave it,

not sign any contract / agreement,

not chose and pay for the product / service you do not want

and discuss it with customer service the following day to go over options.


These are the reasons we cannot process a refund and we do sincerely apologies i

f you thought the service was not up to your expectation.


As compensation,

purely because you have been booked under a promotion,

we are able to offer to release 3 extra pieces of artwork valued at £300 on a fully copyrighted disc format.


These will however be random as the studio does not keep the artwork

but a backup copy is always sent to the legal department as evidence the service has been completed.


We will have to have it redelivered to the studio and you would need to come back to the studio

at some point to pick and choose your chosen artwork.

(please note you selected images will come in a raw format with no editing)

We look forward to hearing from you.


Kind Regards,





Responded yesterday as follows:


Dear Mark,


Thank you for sending me a reponse to my enquiry.

I am unsure when you have tried to contact me many times via the telephone. I

received one voicemail from your staff, but since then have only recieved your email.


I am afraid that although your response addresses the request for the refund due to the art work

it fails to answer a number of issues we raised relating to


the competition,

the package,

the artwork and

the day itself.


I feel that the failure to address these issues in themselves undermines the reasons given for not providing a refund.


Firstly I would like to address the point you raised regarding the purchase of the copyright CD with images.


The purchase of this CD was at the end of the day.

After having waited for an hour to view the photographs

my partner and I were taken to a room where we were quickly shown the photographs.


We were then informed that we had to purchase a minimum of 5 photos

(which is stated in the terms and conditions relating to the promotion)

and that the £100 deposit paid prior to the day was reedemable against this purchase.


However, as I raised in my earlier email,

rather than the photographs being priced at £50 each

(as stated on the website)


we were informed that we were only allowed to purchase in sets,

the cheapest set being 5 on a CD. T

his was not stated in the terms and conditions.


We were then informed that failure to do so would result in our being charged £399 each, a total of £798.


At this point my partner and I requested that the sales representative leave the room

so that we could discuss our options.


The main reason for this being the adjustment of the price that we had expected for the photographs. T

he sales representative left the room for a maximum of 5 minutes.


Whilst my partner and I were still discussing the options available to us

the sales representative returned to the room.


My partner requested that we be given further time to discuss b

ut we were ignored and informed that we were required to make a decision at this time

as there were other clients waiting.


We were then told once again,

that failure to purchase the photographs in a set would result in the approximately £800 being due.


Due to the pressure and the prevention of discussion

we therefore opted for the cheapest version of the photographs that we could: 5 on a CD for £450 (minus the £100 deposit).


I therefore agree that we did purchase the CD,

but this was a result of the threatening behaviour of the sales representative,

the surprise at the price increase, a

nd the threat of being forced to pay approximately £800.


The situation on 18th October involved us being forced into a position

where we either otped to pay for the CD or were charged almost double this.


I therefore dispute the claim that the choice was made freely, or that we were able to make an informed decision.


In addition to this,

your response fails to answer why the website advertises the cheapest photographs as being £50 each,

and yet we were informed on the day that we were unable to purchase 5 photos at £50 each.


I would also like to note that the single photographs for £50 each were advertised at the studio itself,

we were informed that we were not allowed to purchase them as competition winners.


I would be grateful if you would clarify whether we should have been able to purchase the photographs at this price;

and if so why the sales representative gave us incorrect information leading to an additional £200 payment.


Or if the cheapest photographs available to us were those on the CD,


why the terms and conditions did not state that we were not allowed to purchase the photographs at £50 each.


Your response mentions that you suspect our complaint and request for refund is due to buyer's remorse.


However, considering that the day lasted until approximately 3.30pm

and we sent the email to Briana at 5.02pm this does not logically follow;

we sent the email as quickly as possible once leaving the studio.


In addition to this

you mention that we would be unable to receive a refund due to the nature of the purchase i.e. a copyright CD.


Both myself and my partner have not made any copies of the CD or the images.

We would both be happy to sign a legal document to this effect if necessary.



your response fails to address all the concerns raised in my original email.


Most specifically that relating to the fact that the package advertised,

and that which the deposit was paid for did not meet expectations.


As noted in my original email, although I received make-up and hair-styling, my partner did not.


Additionally, we were told to leave the studio for over an hour and offered no refreshments.

Both of these are included in the advertised package, and we failed to receive them.


In conclusion:


The prize advertised and the prize the deposit was paid for in good faith was not what was received on the day.


This in itself could be considered false advertising,

especially as it led to a binding contract with the studio in regards to the purchase of artwork.


The CD purchased was done so whilst under duress,

and therefore the purchase of the photographs and the decision to do so was not a free choice.


This in itself makes the contract contestable.


As stated earlier in this email both myself and my partner are happy to sign a waiver stating we have not

and will not use those photographs.


The information given on the website states that prices of photographs begin at £50 each.


There is nothing in the terms and conditions on the website that state we would not be able to purchase 5 photographs at £50 each.


So we need clarity as to why the sales representative stated otherwise.


Based on the above,

we continue to request a refund for £200.


If you are unable to fulfil this request we will be taking the issue to a Small Claim's Court,

and informing the Office of Trading Standards.


I look forward to your response.


Obviously going to see what they say next, but doubt they'll give in.


So.... any advice on taking this to small claims?

Edited by dx100uk
post reformatted for ease of reading & removal ofpers info - dx
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pers i'd not be willy waving any further with them


you paid by a card


i'd do a chargeback or a section 75 reversal.

depending upon the type of card.


these 'spoof' promotions and the sales tactics used are a very well known issue.



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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