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    • Thanks BankFodder.   I wasn't intending on making bones about it with them but I was irked at being dismissed with the phrase 'it's store policy'.  I returned it because I was returning an air hockey game which wasn't functioning properly.  I would have assumed that if it were designed as a toy for an audience that may be prone to dropping it, it would be made to be suitably durable.  I was expecting that a year would have been reasonable and by it not lasting it was, as you mentioned, not of satisfactory quality. Alas, it's not something I wish to pursue to find out for sure.   I do appreciate your feedback, as always on here, I like to know where I stand with these things.  Thanks also for the heads-up on the Youtube video, I had not thought of that.
    • I've also being doing some reading over the weekend. It appears the law of properties act 1925 does not apply in Scotland (only England and Wales).   "In Scotland an assignation need not be in writing, and intimation is all that is needed to give the assignee a right effective against all parties. Apart from the terminology, the principal differences in England are as follows. Under the Law of Property Act 1925 the assignment must be in writing, the entire benefit must be assigned, and notice must be given to the other contracting party. If any of these elements are missing there may still be an equitable assignment – under which an assignee would typically need to join the assignor as a party to any action under the contract."   So I think the NOA defence is not going to hold up, as Nolans are probably right in what they are saying that their letter (intimation) is sufficient.   So my sole defence is going to be lack of default notice under section 87/88.   Any advice at this stage? I assume costs are still capped at £150 if lose?
    • Hi bankfodder. I do have the invoice in my email, so would it be the cost of the turbo and labour for fitting
    • as i said unsure of what this 15% is about.   the FOS/FCA clearly describe how refund calcs show have been made the their relevant sites.   p'haps at this juncture it might be better to scan up to ONE multipage PDF their refund letters  another set of eyes is always belter.   please read our upload guide carefully      
    • I wouldn't bother with emailing Virgin's CEO.   In April I started a complaint about my BB connection which they repaired quickly but charged me to repair.   I was mostly ignored or promised resolution that never happened. So I complained by email to the CEO, twice, demanding written responses. On each occasion, a lowly call centre worker called and it was obvious they knew or cared little about my actual case.   Finally I got a written reply confirming the charge was dropped but not a penny offered in compo despite the issue taking months to resolve.   Virgin don't take CEO complaints seriously.
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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I took a train from Paddington to Castle Cary back in June, and



realised upon arriving that I had forgotten to bring my Young Person's rail card.



This was a genuine mistake, and I hold a valid rail card.



I was asked to pay for a brand new fare on the spot, which was £100.



As I couldn't afford to pay at the time, I was later sent a letter asking me to pay a penalty of £152.


My original ticket cost about £23 as it was both an advance fare and reduced further by the rail card.


I have sent two letters admitting my mistake and providing evidence of my valid in date rail card,

but they've rebuffed my attempts to reason.

I understand that it is my responsibility to be able to present it at the time and this was a fault on my part.


However, what I don't understand is how not showing my rail card invalidates the 'Advance' part of my ticket.



I feel that the penalty is grossly unfair and I am genuinely unable to afford it.

I'm being put into the same category as somebody who never purchased a ticket in the first place, which seems absurd.


What, if anything, can I do next?

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No valid ticket = no ticket is the manner in which you will be regarded if you do not have a valid ticket (including any railcard validating the ticket) I am afraid, you must have the railcard and show it when requested by any authorised person at the same time as the ticket at any point of the journey.


The fairness or unfairness doesn't take into account the ability to pay it I am afraid, all travellers in a similar situation should be treated the same- by any company.


I am assuming the full standard single fare was £100, so i do not understand where the £152 comes into it as it should be the same -I note you have stated 'penalty fare' but to be honest we didn't have these when I left, so I'll assume thats the correct rate.



If this is the case then paying the £152 is the sensible option since it's highly unlikely IME that FGW will offer anything less than this as a settlement if it has to go further I am afraid.

The TOC has rebuffed your 'attempts to reason' as excuses for not carrying your railcard are not accepted, this isn't unreasonable -they should treat anyone giving pretty much any reason the same.


It does make this very clear indeed in the conditions you signed for on your application for this railcard, it states' failure to carry your railcard will render tickets bought with it invalid' or words to that effect.

It doesn't allow for those who have mislaid their railcard but have one however.


FGW might allow you time to pay the full fare outstanding, if you contact them telling them you are having difficulty in paying it all in one go?


I notice you say 'court action' however and have to say quite honestly that its not worth you going to court over £152 as its likely the court fees alone would be more than that, let alone the full fare and the TOCs costs on top.

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Hi sarah


Welcome to CAG


You still need to deal with the Penalty Fare of £152, if you don't can have serious consequences.


Write a Formal Letter of Complaint, mark it as such. Explain what's happened (forgot purchased/vaild Young Persons Rail Card - asked to pay Penalty Fare - £100 - no funds), how they have let you down (received letter to pay Penalty Fare - £152, sent proof of valid Young Persons Rail Card, explain that you can't afford the Penalty Fare, explain that the rail company aren't sympathetic to your plight) and what you want them to do (cancel the Penalty Fare).




Email a copy of the letter to your MP. http://findyourmp.parliament.uk/


Send it to:-


Mr Mark Hopwood

Managing Director

First Great Western


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I sadly notice the OP has not logged in since 2 minutes after starting this thread

please return and let us know what you are doing




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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