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    • @Man in the middle I've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe concenquences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points?
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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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Stemologica - cancel here 08000148005 + Email addresses + return AD


jokearns1
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Has anybody had any dealings with this company???

 

I have paid postage and packing for a free trial of skin products and received the trial pack.

 

My wife was unhappy with the product and i returned same via recorded delivery within the 14 day trial period.

 

I have attempted to email the company to inform them but the email facility

keeps informing that the session is timed out even when i hit it without putting any information in.

 

I am beginning to smell a rat.

 

I also have a feeling that this is a ploy intended to let the 14 day period lapse so i will then be charged the full amount.

 

I would be grateful for any replies.

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Write them a recorded delivery letter and point out that you have returned the trial pack and that you are cancelling any agreement. Tell them also that you are withdrawing any authority for them to make any deductions from your bank account.

 

Check that they have received the return of the pack – not that it matters too much. Also, check that eventually they have received the letter.

 

The most important thing to contact your bank by telephone and cancel any payment instructions to that company. And even more importantly, you must confirm this in writing. Write your bank a letter and explained very clearly that any payments to this company or any associates of the company are no longer authorised. Deliver a copy of it to your branch but also make sure that you send a copy of it to their head office or customer service department.

 

In fact while you are dealing with it on the telephone you can ask them for the address to send a written confirmation to. Even if they try to tell you that there is no need for confirmation, insist that you do so anyway. When you call them and give your verbal cancellation, get a reference number if they are prepared to give it to you. Unfortunately you will often find that they are not prepared to give reference numbers – if that's the case then try to get the name of the person you're speaking to and the team number or some other reference to them and then in your letter to them confirming the cancellation refer to that person and refer to the fact that they refuse to give you any reference number.

 

It is important to lay a paper trail.

 

The only problem might be if the company takes the payment from your account under some different name – the name of some affiliate or associate company and that is not recognised by the bank. Keep an eye on your bank account and if you notice any payments go out then contact the bank immediately and claim the money back.

 

Although it's a lot of hassle, if you really want to be sure – then log the card as stolen or missing and order another one with a different number, making sure that all payments had been stopped.

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smell like the lift and glow spoofers to me.

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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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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This is exactly the same system the recent Raspberry Ketones con used. If the company don't receive your cancellation they will auto refill your 'order'..... Always read the small print, I just did!

 

Cancel your debit card that you used to pay for the trial so that they cannot use its details to debit your account. Back this up with the advice already given.

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sadly cancelling the card DOES NOT WORK - its a myth

 

you need to cancel the CPA with your card holder

 

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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Share on other sites

Thanks for your speedy replies and advice.

 

Unfortunately there is no address to write to cancel any further products other than the address to return the product

which i suspect is just a central hub.

 

I will however write to this address as they must be operating as agents for the company.

 

I will contact the bank and keep you guys informed of my progress.

 

Finally i cant believe that the way this company acts is within the bounds of legality...

 

..anyway will have to stop before i start ranting....

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Update on further progress.

 

Contacted the bank who were a little evasive informing that i needed to agree with the company over cancelling any future orders

 

however when i insisted that i was withdrawing authorisation for any future payments

and that i would be writing to the bank to inform of this instruction.

 

The operator then went on to seek further clarification (a couple of minutes pause while she sought further advice)

then informed that processes were changing all the time and that i could cancel further payment.

 

I was informed that i did not need to put my instruction in writing and they were unable to provide an address i should write to.

 

I have subsequently written to my local bank manager and asked him to attach my written instruction to my account.

 

The bank has agreed to monitor my account and will provide a chargeback if any monies are accessed.

 

I have also written to the address provided to return the product further cancelling any future orders.

 

I suspect the company involved does appear to have a dubious past history and bears a resemblance to the company mentioned above

and a number of other companies e.g. deadseabeautykits.

 

This company operates from the Czech Republic..

...product is manufactured in Israel..

..uses satellite phones as a contact number which costs a fortune to ring them.

Again thanks for your assistance and advice and i will let you know of any further developments.

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After searching through the smallprint in the terms and conditions you will find the return address in Rugby.

I today have sent my goods back to this address along with a letter asking them to acknowledge my cancellation. Send via recorded delivery.

I actually received the goods ahead of any payment being taken out of my account which made it a bit suspicious but the bank can not stop any further payments until something has been taken to show a traceable reference.

 

However today the £3.95 has been taken out, but the reference shows as Dermacella.com and not as Stemcellset.com 08000885638 as it states on the website.

 

I will report further if I hear back from the return of goods.

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  • 2 weeks later...

Having read the posts about Stemologica,

 

 

I now feel quite sick as I bought the trial pack,

 

 

it arrived,

 

 

I tried it once then went on holiday.

 

 

.. thought the 14 return conditions referred to the £3.95 which I wasn't too bothered about but

 

 

now, 15 days later and whilst still on holiday,

 

 

I have had £97.95 taken from my account.

 

 

Can I assume I haven't got a leg to stand on?

 

 

Do I have to just suck it up?

 

 

I fully intend to try cancelling with my bank anyway

 

 

but has anyone had any success with this AFTER the 14 day period?

 

 

Thanks.

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  • 2 weeks later...

I have had a similar experience with them. I realised after signing up for the 'free' trial that I had been 'had'. Tried to cancel the order within minutes but found it impossible. Although they claimed to be sending out the order within 2/3 working days when I finally found a customer service contact they said the order had already been sent ie. withing 30 mins of me signing up with them. I think they are a US company but operating illegally within our UK consumer laws. I bank with First Direct who are ready to stop any further payments coming from my account and will take up the case on my behalf. Not all banks are so good so we must publicise this company and try and get them out of operating in the UK.

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I,m please to hear that your bank are taking this matter seriously, I am with nat west and they are not being helpful at all, I agree this is a US company and are not trading legally within our consumer rights. Trading standard will only look into this company if they receive X amount of complaints so everyone in my opinion needs to report them asap. If trading standards agree that stemologica are trading illegally they can tell the banks to recover OUR money C

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I have sent the goods back to this rugby address too via recorded delivery its all you can do as no other address is given I have the receipt and if nothing else it will prove to your bank or/ and trading standards that you have at least tried your best. I have also been given another address via my banks charge back team as a flat in Manchester I do not want to post the full address on here as it probably is a bogus address and I believe we are dealing with some dubious characters ,

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why keep wasting money on recorded delivery

use free proof of posting from the PO counter

 

 

in law all you have to do is prove it was SENT.

 

 

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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  • 4 weeks later...

Noticed this thread is getting a lot of views via google.

 

Example of resolved case is here:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?433748-Stemologica-another-victim-**Refunded**&p=4621896#post4621896

CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

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  • 3 weeks later...

is that not a foreign number?

 

 

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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  • 3 weeks later...
is that not a foreign number?

 

 

dx

I was charged $149.95 for my "free sample" plus $5.95 to expedite the shipping which I did not want. It still took almost a month to get the product. Then I was on vacation so my children opened it and didn't keep the package and I have no mailing instructions. How do I get those??

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I have just been on the phone to them to cancel.

 

 

Got my trail 1/2 days ago and wish I had seen this sooner.

 

 

So once I saw this that's when I called them up.

 

 

If anyone wants to send their trial packs back

 

 

I have the proper address.

 

 

However you do need to send proof of postage once you have sent it

(well that's what the email states you have to do).

 

 

Send items back to Returns Stemologica, PO Box 7574, Milton Keynes, MK11 9GQ, United Kingdom.

 

 

Your name, address and email have must be clearly written on the return package,

both inside and out.

 

 

Hope this helps people.

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and what email address are they using please

 

 

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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Share on other sites

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If you need to add something to this thread then

 

Please click the "Report " link

 

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If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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