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    • Hi,  Could you confirm what happened at the end of all this , as I have just had the same issue, I brought an iPhone 15 and it turned out to be fake, and after the Argos investigation they do not believe this can happen from their side
    • Sorry @dx100uk if I was unclear, I cannot see if something shows on Experian as a matter of fact because I'm not paying the Experian service, I'm only seeing my score, no granular details, thats it. and as mentioned previously, to get a credit statutory report is a whole palava if you are abroad, I'm not even sure that experian would do it and I looked at Equifax, they ask too much details and proof for my liking to have a credit report sent abroad Putting that aside and considering I cannot know who owns my debt currently (and you seem to say that the fact I received a first nice email from the DCA, they could already own my debt), you sem to suggest to not do anything at all and forget  If there was a court claim in the process already, would not I receive an email or is it only by surface mail that court claim are served ?  Thanks again
    • No, this is her own account. Nothing to do with mine. In the background to your debt it is listed as "an agreement with PayPal Europe Sarl & Cie SCA" on the 1st page of the letter from Overdales it states that their client is Lowell Portfolio
    • ive just merged an older thread but i see that was you? as this recent PAPLOC is for your wife? did your wife get PP credit as well or is this the same A/C? as for any PAPLOC reply to lowells. hit letter of claim follow post 2 dx  
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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i had a tv and 2 laptops off these

 

the tv blew and then

 

i dropped the laptops downstairs into a state of total destruction.

 

when i rang and told them they said they didnt belive me

 

and that the police were going to be notified for theft as deception

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hi there im new to this.

 

i need help please.

 

i purchased a 42" tv and 2 laptops from perfect home on hp.

 

A few weeks ago the tv blew and got pinched when i put it on the front to clean up.

 

The other day i was carrying the 2 laptops downstairs when i dropped them and they smashed beyond repair.

 

I put them in the bin without thinking and

 

now im being threatened for theft as deception as they're saying they dont believe me and also threatening with the police.

 

I have reluctantly fallen behind with payments from losing my job and

 

now they are demanding £22 a week off me when i clearly cant afford.

 

I also had another tv off them but ive sent that back.

 

Can police get involved in a civil dispute if thats what this is?

 

Please can some one help

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they'd have to go thru the courts.

 

however, you should not be destroying goods that are not yours.

 

dx

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 didnt destroy them on purpose it was an accident is this classed as a civil matter they are trying to use scare boy tactics with the police coming round and theft as deception

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can some one help me

 

 

i had 2 laptops which i dropped downstairs into a non repairable state so i threw them in the bin without thinking.

 

 

they are now telling me that they have put a record on my file and that the police will be notified for theft as deception

 

 

.Can the police get involved if this is a civil matter.

 

 

I have fallen behind with payments and now getting numerous phone calls a day.

 

 

the guy i told was really arrogant and he said he didnt believe me.

 

 

can anyone please help me and can the police be involved?

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You already have your own thread please keep to that otherwise all advice will be confused, I'll ask the site team to merge the threads.

To answer the question re police involvement, if you have disposed of items which do not belong to you and secured on a Hire Purchase agreement the owner make take action against you.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I suspect if you total all the payments for the protection insurance you've ever made

across any agreements

 

that will outweigh what you now have outstanding?

 

dx

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... 

Link to post
Share on other sites

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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Share on other sites

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