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    • Here is the reply from POPLA after I complained to its chief assessor -- completely rubbish!   ---   Your complaint about POPLA   Thank you for your email, which was passed to me by the POPLA team as I am responsible for responding to complaints.   I note from your correspondence that you are unhappy with the decision reached by the assessor in your appeal against Parking Eye.     POPLA is an impartial and independent appeals service and we do not act either for the parking operator or the appellant. It is important to explain that it is not our remit to source evidence and documents from either party in support of their submission and our decisions are based on the evidence received from both parties at the time of the appeal. We cannot consider further evidence after the appeal has been completed.   You have advised that the decision issued to you on 29 October 2019 does not address the crucial points of your rebuttal.   You have reiterated your original grounds of appeal. For clarity, I have addressed each point as follows.   Regarding grace periods.   While section 13 of the British Parking Association Code of Practice stipulates that a minimum grace period should be allowed, the grace period is only applicable in car parks are required. In this car park, the entrance signs states that the site is for permit holders and service vehicles only, as such, a grace period is not applicable in this instance. You would have been aware that you did not have a permit on entering the site and I am satisfied that the assessor is correct in determining that the six minutes that you were on the site was not a reasonable period.   You have advised that there is no evidence of landowner authority and have provided a quote from another POPLA decision.   POPLA deals with appeals on a case by case basis and as such, any external factors such as other similar parking contraventions or appeals have no impact on our decision making.   I have reviewed the assessor’s comments relating to this ground of appeal and also the document provided by the operator and I am satisfied that the assessor has correctly stated that the operator has the relevant authority to issue PCN’s on this site.   You advise that no contract was formed between the driver and the operator.   The assessor has advised that the signage on the site makes the terms and conditions of the car park clear which, after reviewing the images of the signs provided, I agree with. By choosing to remain on the site, you have accepted the terms and conditions of this contract and by remaining on site for six minutes without a permit, the terms and conditions were breached.   After reviewing the assessor’s decision, I am satisfied that the outcome reached is correct As POPLA is a one-stage process, there is no opportunity for you to appeal the decision.   As our involvement in your appeal has now concluded you may wish to pursue matters further. For independent legal advice, please contact Citizens Advice at: www.citizensadvice.org.uk or call 0345 404 05 06 (English) or 0345 404 0505 (Welsh).   In closing, I am sorry that your experience of using our service has not been positive. We have reached the end of our process and my response now concludes our complaints procedure. I trust you will appreciate that there will be no further review of your complaint and it will not be appropriate for us to respond to any further correspondence on this matter.   Yours sincerely Paul Garrity POPLA Complaints Team
    • Thanks for clearing that up Homer.  I was  in the middle of writing what DX100 uk has just said. I notice that no questions have yet been answered from the Stickies posted on either thread. We will need some info in order to  counteract any stpidity by Link to try Court. The PCNs can be produced later under CPR regs. so photos of the car park with the notices at the entrance, around the carpark itself-especially any that are different as well as the T&Cs on the payment meter if there is one would be a help. As would the reason for the ticket. In addition, you could look up the local Council website on planning permissions to see if Link have ever applied for permission to erect NOtices and ANPR cameras within the car park. This would come under Town and Country [Advertisements] Regulations. And if you have any recent PCN remiders from Link that might help a little.
    • OK can we tackle this one by one then please. I will  please need some guidance here as have never filed such form, I'm sorry   DRAFT ORDER (sent through post #72) 01.   Item no. 1 - retain "struck out or heard at re-hearing" or delete the struck out? 02 .  Item no. 4 - should this be included? or how else to write it?     In Witness statement I am saying  I am XXXX XXXX, of MY ADDRESS NO.3 and I am the Defendant in this matter. This my Witness Statement in support of my application dated XX November 2019 to: 1.Set aside the Default Judgement dated 14 August 2019 as I was not properly served at my current address and I am given leave to file a defence, copy of which is attached to the application. 2. Order for the original claim to be dismissed or Set Aside to be re-heard at a new hearing; on the basis that the Defendant has a reasonable defence. 3. Order for the Claimant to pay the Defendant £255 as reimbursement for the set aside fee and refund of any illegal fees paid by Defendant to Newlyn Debt Collection Ltd pursuant to the Default County Court Judgment of 14th August 2019 and reasonable Defendant’s costs required to set aside the Default Judgment   03. Are points 1-3 to be repeated exactly in the Draft Order?    
    • Thanks dx, I understand.    However what legal recourse is available to get it sorted? I've been offered a great deal with my existing lender
    • No need to...they are fully aware of the legislation and what they must do if they wish to execute the Judgment debt after 6 years...ignore them.
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2REAL2RYAN

online retailer refusing return - need advice ***Resolved***

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Hi Brigs

 

Trade / wholesale websites don't allow access to members of the public, you have to register with them, they carry out checks etc. This for some reason wasn't applicable to the OP. As you know terms and conditions can be unfair.

 

Hi Rebel,

I (as added to post23) have taken a look at these "trade only"/ "wholesale" sites, one only has to "click on" the Ts & Cs/ returns policies sections to see that returns are restricted to "faulty" goods.

Also in the preamble/ intro to the site the words Trade Only and Wholesale are mentioned and more often than no highlighted.


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

12) SOGA SUMMARY CLICK HERE

13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site

 

Please let us know how your problem has been resolved, it could help fellow Caggers

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Hi Brigs

 

Trade / wholesale websites don't allow access to members of the public, you have to register with them, they carry out checks etc. This for some reason wasn't applicable to the OP. As you know terms and conditions can be unfair.

 

 

Hi Reb,

 

 

Most of these will allow Non Trade Purchases (tested this in the past) but the same Ts & Cs apply as to trade customers.

IMO unless the OP asks for a gesture of goodwill this will go nowhere.


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Please Consider making a donation to keep this site running!

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Hi Brigs

Trade / wholesale websites don't allow access to members of the public, you have to register with them, they carry out checks etc. This for some reason wasn't applicable to the OP. As you know terms and conditions can be unfair.

 

 

Yeah I can confirm they failed to undergoe checks on me.

 

This is getting so complicated especially if they argue they are trade only, could be quite hard using SOGA and the Consumers Contract Regulations, but I will still refer to it as it would be my only hope in getting these cowboys to comply with my return request.

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Hi Reb,

Most of these will allow Non Trade Purchases (tested this in the past) but the same Ts & Cs apply as to trade customers.

IMO unless the OP asks for a gesture of goodwill this will go nowhere.

 

Tomorrow I will let you guys know what they say, even if they refuse again I will keep going to the end, I ain't giving up just yet!

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Yeah I can confirm they failed to undergoe checks on me.

 

This is getting so complicated especially if they argue they are trade only, could be quite hard using SOGA and the Consumers Contract Regulations, but I will still refer to it as it would be my only hope in getting these cowboys to comply with my return request.

I can't agree with calling them cowboys, one must especially when buying on line check Ts & Cs and trading policies or take the consequences of not doing so.


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

Please Consider making a donation to keep this site running!

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I can't agree with calling them cowboys, one must especially when buying on line check Ts & Cs and trading policies or take the consequences of not doing so.

 

Yeah it would have been so much work and money for the company to put the words "NO RETURNS" on their homepage...I'm guessing you are probably one of their loyal employees haha.

 

At the end of the day, any company that replies to my emails in a rude/unhelpful manner and that notifies me about their NO RETURNS policy post-purchase via email is in my opinion a retail cowboy.

 

And yes I think I have learnt that in the future I need to check the T&C's since some online retailers like to be less vocal about their NO RETURNS policy...and like that's a coincidence lol.

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A site can have all sorts of T & C's posted on their website, it doesn't make the T & C's fair or legal.

 

A classic example is Virgin Media, if you move somewhere where there is no Virgin Media coverage, they still expect you to pay the remaining months of the contract although you still want the product, but there is no coverage whatsoever. This is in their T & C's.

 

How fair is that?

 

I can't agree with calling them cowboys, one must especially when buying on line check Ts & Cs and trading policies or take the consequences of not doing so.

Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

12) SOGA SUMMARY CLICK HERE

13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site

 

Please let us know how your problem has been resolved, it could help fellow Caggers

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Yeah it would have been so much work and money for the company to put the words "NO RETURNS" on their homepage...I'm guessing you are probably one of their loyal employees haha.

 

 

NOT TRUE AND NOT FUNNY!!

 

At the end of the day, any company that replies to my emails in a rude/unhelpful manner and that notifies me about their NO RETURNS policy post-purchase via email is in my opinion a retail cowboy.

 

And yes I think I have learnt that in the future I need to check the T&C's since some online****** retailers**** like to be less vocal about their NO RETURNS policy...and like that's a coincidence lol.

 

 

When offering advice here one tries to see the logic of both sides of a problem.

 

 

You refer again to "retailers" the site you used appears to clearly " trade only/wholesale" not retail.


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

Please Consider making a donation to keep this site running!

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A site can have all sorts of T & C's posted on their website, it doesn't make the T & C's fair or legal.

 

A classic example is Virgin Media, if you move somewhere where there is no Virgin Media coverage, they still expect you to pay the remaining months of the contract although you still want the product.

Hi reb,

 

 

The talk here is all about an "online retailer" looking at these sites again a few minutes ago all state " Trade Only"/" Wholesale"

But Not "retail".

If one wishes to take advantage of trade/wholesale prices offered by these dealers then their terms will still apply.

The titles of the sites make their status quite clear, obviously I cannot post links to such sites as they would be removed but they are there for all to see on the net.


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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When offering advice here one tries to see the logic of both sides of a problem.

 

 

You refer again to "retailers" the site you used appears to clearly " trade only/wholesale" not retail.

 

I appreciate hearing both sides honestly, I just find it depressing that an online company can't even have the goodwill to accept the return of 1 item LOL.

Even when I have offered to pay a handling fee and delivery charges.

 

what's this world coming to...

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I can't find anything that states Trade/Wholesale are an exception to consumer rights, he's not a trader buying in bulk.

 

The other thing is that Trade/Wholesale invoice, the OP's transaction was carried out immediately because he's not a Trader.

 

Lets see what delevlops, he has other options.

 

Let's see how we get on.

 

Hi reb,

 

 

The talk here is all about an "online retailer" looking at these sites again a few minutes ago all state " Trade Only"/" Wholesale"

But Not "retail".

If one wishes to take advantage of trade/wholesale prices offered by these dealers then their terms will still apply.

The titles of the sites make their status quite clear, obviously I cannot post links to such sites as they would be removed but they are there for all to see on the net.


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

12) SOGA SUMMARY CLICK HERE

13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site

 

Please let us know how your problem has been resolved, it could help fellow Caggers

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I appreciate hearing both sides honestly, I just find it depressing that an online company can't even have the goodwill to accept the return of 1 item LOL.

Even when I have offered to pay an admin fee and delivery charges.

 

what's this world coming to...

 

 

It's come to it, gone past it and is getting worse!


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Time for a 60's revival:-)

 

It's come to it, gone past it and is getting worse!

Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

12) SOGA SUMMARY CLICK HERE

13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site

 

Please let us know how your problem has been resolved, it could help fellow Caggers

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Time for a 60's revival:-)

OOOHHH "free love" an all that!!!!!!!!!!!!!!!


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi Rebel,

I (as added to post23) have taken a look at these "trade only"/ "wholesale" sites, one only has to "click on" the Ts & Cs/ returns policies sections to see that returns are restricted to "faulty" goods.

Also in the preamble/ intro to the site the words Trade Only and Wholesale are mentioned and more often than no highlighted.

 

If the "Trade only" is an attempt to introduce an exclusion from the DSR's (or their replacements), then any such term must be prominent, rather than buried in terms and conditions.

 

Lord Denning's "in red ink, with a red hand pointing to it "

could apply : (from Spurling v Bradshaw) http://en.m.wikipedia.org/wiki/J_Spurling_Ltd_v_Bradshaw

 

As Brig has said : how prominent was this, either in the T's & C's or on the site, for a court to find if this really was "trade only".

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If the "Trade only" is an attempt to introduce an exclusion from the DSR's (or their replacements), then any such term must be prominent, rather than buried in terms and conditions.

 

Lord Denning's "in red ink, with a red hand pointing to it "

could apply : (from Spurling v Bradshaw) http://en.m.wikipedia.org/wiki/J_Spurling_Ltd_v_Bradshaw

 

As Brig has said : how prominent was this, either in the T's & C's or on the site, for a court to find if this really was "trade only".

 

How interesting there is no where on the home page that says "trade only" LOL.

This company just wants to extort money from consumers and withhold their rights.

I hope a court would recognise this, because at this rate I may file an application to small claims court for £25.

Even if I lose my case, I will be happy that I kept them on their toes.

 

Funnily enough the rude customer service assistant that couldn't seem to reply constructively to me XXXXXXXXXXXX THATS ALL I'M SAYING!

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How interesting there is no where on the home page that says "trade only" LOL

This company just wants to extort money from consumers and withhold their rights.

I hope a court would recognise this, because at this rate I may file an application to small claims court for £25.

Even if I lose my case, I will be happy that I kept them on their toes.

 

Funnily enough the rude customer service assistant that couldn't seem to reply constructively to me XXXXXXXXXXXXXXXXXX.

 

I've looked too : it doesn't seem to be on the home page.

 

It is in the T's and C's : more than once. (At 7.7 and 11.1)

 

Not in red ink with a red hand pointing to it, but it is on a separate line and bolded.

In 11.1 it is specifically set out for Snickers products.

 

In the end, a court would have to rule if it (as a term introducing an exclusion) was sufficiently highlighted to be allowed to stand.

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If the "Trade only" is an attempt to introduce an exclusion from the DSR's (or their replacements), then any such term must be prominent, rather than buried in terms and conditions.

 

Lord Denning's "in red ink, with a red hand pointing to it "

could apply : (from Spurling v Bradshaw) http://en.m.wikipedia.org/wiki/J_Spurling_Ltd_v_Bradshaw

 

As Brig has said : how prominent was this, either in the T's & C's or on the site, for a court to find if this really was "trade only".

The Ts &Cs Returns Policy are there to click on and read.

 

 

The Terms "trade only" and "wholesale" as said are frequently mentioned and more often than not highlighted.


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I've looked too : it doesn't seem to be on the home page.

 

It is in the T's and C's : more than once. (At 7.7 and 11.1)

 

Not in red ink with a red hand pointing to it, but it is on a separate line and bolded.

In 11.1 it is specifically set out for Snickers products.

 

In the end, a court would have to rule if it (as a term introducing an exclusion) was sufficiently highlighted to be allowed to stand.

 

I'm surprised all you who have replied haven't spotted the error this company has made selling this product to me (an online retail consumer).

In their T&C's it says:

 

"11.1 Please Note: Hall-Fast supplies to trade customers only."

 

The fact of the matter is I am NOT a trade customer, I am NOT part of a company or buying on behalf of a company. I am purchasing as an online retail customer.

 

I have got this dispute in the bag ;)

Edited by 2REAL2RYAN

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I'm surprised all you who have replied haven't spotted the error this company has made selling this product to me (an online retail consumer).

In their T&C's it says:

 

"11.1 Please Note: Hall-Fast supplies to trade customers only."

 

The fact of the matter is I am not a trade customer, I am not part of a company or buying on behalf of a company. I am purchasing as an online retail customer.

 

I have got this dispute in the bag ;)

 

You claim you aren't a trade customer.

They'll claim that they don't need to make enquiries when you register on their site : their T's & C's are such that you hold yourself out to be a trade customer by agreeing to the T's & C's

 

It's a triable issue .....

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You claim you aren't a trade customer.

They'll claim that they don't need to make enquiries when you register on their site : their T's & C's are such that you hold yourself out to be a trade customer by agreeing to the T's & C's

 

It's a triable issue .....

 

Errrrr not really, I am unemployed and have no affiliation in the trade industry. Unless anyone can prove I am then I constitute as a retail customer, just because I mistakenly purchase from a trade company does not constitute me as a trade customer. Especially when I only purchased a pair of jeans...think that says it all lol.

 

XXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Edited by 2REAL2RYAN

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I'm surprised all you who have replied haven't spotted the error this company has made selling this product to me (an online retail consumer).

In their T&C's it says:

 

"11.1 Please Note: Hall-Fast supplies to trade customers only."

 

The fact of the matter is I am NOT a trade customer, I am NOT part of a company or buying on behalf of a company. I am purchasing as an online retail customer.

 

I have got this dispute in the bag ;)

 

If you had read the conditions would you still have purchased to benefit from trade terms??

Your mistake for ordering in the first place, my guess is you can complain as much as you like if the wholesaler digs in you will have to litigate.

 

You are equally responsible here imo.


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Errrrr not really, I am unemployed and have no affiliation in the trade industry. Unless anyone can prove I am then I constitute as a retail customer, just because I mistakenly purchase from a trade company does not constitute me as a trade customer. Especially when I only purchased a pair of jeans...think that says it all lol.

 

Playing Devil's Advocate : a trader (A) has a retail customer (B) who asks them if they sell Snickers jeans.

They don't but agree to source a pair for one of their regular customers. A buy a pair on a trade only website as a trader, and act as a trader selling them on (at a profit) to B

 

The website has no way of knowing if A is a trader beyond the fact that it's T's & C's that A had to accept to submit their order.

 

The fact that this was for one pair of jeans only doesn't determine that it isn't trade.

It might increase the likelyhood it may not be trade but it is by no means conclusive.

 

I'm neither agreeing with you that it was never "trade",, nor agreeing with Brig that it had to be "trade"

I don't know how a court would rule : but I don't think it is as absolute as you feel confident it is.

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Hi 2Real2Ryan

 

Although Brigs disagree's with your position, you still need to respect him and his posts, you need to post within the site rules. I'm removing certain posts as they do not reflect the tone of the thread.


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

12) SOGA SUMMARY CLICK HERE

13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site

 

Please let us know how your problem has been resolved, it could help fellow Caggers

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Hi 2Real2Ryan

 

Although Brigs disagree's with your position, you still need to respect him and his posts, you need to post within the site rules. I'm removing certain posts as they do not reflect the tone of the thread.

 

Sure thing, my apologies.

 

I appreciate him putting fourth the opposite view, but he kept disagreeing with my argument when my points were valid. So it made sense to tell him where to go!

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