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    • Apologies in replying, I was up for 30 hours and had to catch up on sleep. And I don't have my laptop right now either.    I already sent in the defence on Tuesday  as that was the only day I could before the 24th. I did use the defence from CAG, I did try rewrite as best as I could removing a lot of the waffle, making the set points with the evidence.    When I hear from the court next - I believe a questionnaire and direction of some sort- I will update you and see what the next steps are.    Thanks a tonne!! For all of your advice! I wouldn't have been able to even get close to what I have with setting aside the ccj and the defence without you. I am very lucky to have the help I've been given from you all out of your own time. You are awesome!
    • this is a normal contract for when you forget your wallet and fuel up your car and then promise to pay them later. If you return righ5t away you dotn pay any extra and you can even demand your paperwork back from the garage as they then have no lawful reason to process it. Now is it a fair contract? well, yes and no, if you dotn have the means to pay for your fuel before you fill up then you are committing a criminal offence by doing so but as i many cases of this nature the company would rather farm all the aggro out to a third party who then screw you out of money rather than invoke the available law. So, as you werent offered the contract to consider before you fuelled up then none of it is enforceable and the petrol companies should get their heads around this rather than allow the third party just coin money out of the unfortunate or forgetful   what I fail to understand is why you didnt just pay for the fuel with the card that you were going to use to get the cash? As for the rest of your story listing your afflictions , that doesnt make any difference to a contract, if you are not capable of entering a contract you shouldnt be driving either.
    • Their Order is somewhat confusing...yes you get your set a side and they will not object.   No defence has ever been submitted so it can't stand.(unless you submitted a defence with your application ?) They then state Directions Questionnaires be issued (goes to allocation) and then the next paragraph states the claim is stayed.   Anyway the " Schedule  " is irrelevant it's the " ordered by consent " part that matters.....claim is stayed.     Typical Robbers Way     Andy    
    • Yes thanks both  Have been on the phone to a UC call centre today  to help someone in my Council ward, they said that there is NO paper based system, but if someone is blind or has a vulnerability that makes it difficult to access  then what TomTom has linked to is a way to do it.  That mythbuster link is very useful indeed. DWP are known for pushing easy options  (for them) but will help at a Jobcentre if no other way.
    • UKDomains that's a great shout, I'll open a support ticket on LBC & hopefully they can provide that information.   I've just spent 2 hours in branch, it turns out the fraud dept. never received the proof of entitlement that the branch scanned & emailed to 2 separate email addresses given. That has led to the 3 chargeback amounts, & once again the girl on the other end of the phone had "no idea" about the £685.16, & said "it must be a calculation" well that's good & vague. I have the name of the person in branch I've been dealing with (who has been great btw, & has suffered through this this with me).   Also, by sheer coincidence, she was dealing with the very same rude woman in the fraud dept. who refused to give me her name the other day, but did provide it to the lady in Branch. So now I have that in full, & her employee ID.    I did query with the woman in branch, why TSB aren't backing a customer who has proven beyond any doubt that the transaction was legitimate. Her response? "I got the strong impression when I called the Fraud  dept. on Monday, that we've already reversed the funds to Monzo Bank, this is why they want you to pay the money back into your account."   Well how stupid is that, based on what can only have been a verbal claim by Monzo's customer, this has led to TSB saying "here you go".  & then asking me to kindly underwrite their own stupidity.   I have also just received this by email:   Hi Gavin   Thank you for your note and for contacting me about the difficulties you’ve encountered with TSB.     I have passed your note on to my Head of Customer Service and asked her to ensure that either she, or one of her team, contact you as soon as possible.     Thank you once again for contacting me.     Kind regards     Debbie    Debbie Crosbie CEO, TSB         
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
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Hi everyone, I'm new to Consumer Action and would like some help please.

 

I currently have some items with Perfect Home and have paid over half off or more on them.

 

Unfortunately last week my employer reduced my hours from 40 to 32.5 per week.

I was wondering if anyone has been in this situation and has managed to reduce their payments to Perfect Home as I don't want to return items that I have paid a lot of money on.

 

I have proof of my reduction in hours but I find this company very difficult to deal with.

The manager at the store is quite arrogant and hard to deal with

and at one point last year quite threatening when I missed a payment.

 

All my payments are up to date and I think have only ever missed 1 or 2 in 2 years.

 

Any help would be very much appreciated.

 

Thank You

 

JH

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they cannot take ANYTHING nor enter your home

 

Perfect Homes or any of their employees ARE NOT BAILIFFS

and have

NO SUCH LEGAL POWERS.

 

you've paid more than 1/3rd so they would need a court order to repo

and they NEVER do that.

 

ignore the unhelpful store staff.

simply pay what you can when you can

poss write or email headoffice

 

have their stupid insurances?

 

I bet you were told these were compulsory on all your items?

 

its NOT, and you can reclaim all your payments made to it

and at their int rate.

 

I've moved you to the correct forum

lots to read here.

you are not alone

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Hi and welcome to CAG

 

To expand a little PH are in the same stable as the others (BAYV, Brighthouse) in that they will squeeze every last penny off you. Write to them pointing out your circumstances. Demand they not ring you and if they ring you, record them. If anyone turns at your doorstep, record them too and send them on their way.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Log all and any calls, texts and visits, if they persist you can send a Formal complaint to Head Office telling them to cease and desist from what now amounts to Harassment contrary to the Protection from Harassment Act 1997


We could do with some help from you.

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If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Thank you everyone, I was really worried about this tbh. They aren't the easiest company to deal with. I'll draft a letter and make an offer as to what I can afford. DX, I thought the insurance was tied into the items now and was compulsary ?

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While the insurance part may be compulsory if you don't have your own insurance that covers hire purchase items, the other part of it, something like service cover is not and as such you can reclaim that aspect.

 

PH have been known to turn up on your doorstep demanding goods back. Don't even entertain them apart from recording their drivel which can be used in any complaint.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thanks silverfox

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Hi Silverfox, sorry I haven't got back to you with info on how I got on.

 

I have been back and forth to Perfect Home and they will not budge on the payments I have to make.

 

I have produced my own insurance cover which has reduced my weekly bill by $10

but they state my Perfect Care (service cover) payments will remain

as they are built in to the agreement and if they weren't I only had 28 days after the agreement was taken out to cancel them.

They amount to around $6 per week.

 

I have requested my original agreements to check on this

but don't hold much hope in reclaiming any of them.

 

This is a company that is so hard to deal with and their store managers are pretty forceful in what they state.

I have also contacted the head office and they will not deal with me at all,

insisting that they are not allowed to get involved in any changes in payments

or reclaiming monies and state I HAVE to speak with my store.

 

It looks like I am going to have to bite the bullet and just continue to pay my original amount

as I just cannot deal with these people

 

Also the Perfect Care (service cover) which isn't built in which I can take off takes 28 days to remove and within those 28 days I will still be charged the cover. Sneaky

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Of course they are talking utter bowlarks. What they don't tell you is that if you miiss one payment, the cover ceases and even if you make the payments up to date and continue doing so, in the event of a claim, they will state that as you broke the terms by missing the one week, you cover is invalid.

 

The rubbish about the service cover means nothing. You were 'encouraged' to take it out as part of the agreement. You don't need it and never did. This is hire purchase and as such, they still own the goods until the final payment so if they go wrong, they can just take them back.

 

Work out what you have paid in insurance (up until that was cancelled) and what you have paid in service cover charges then demand them back. They will in all likelihood reject you but then you can complain to the Ombudsman who will (probably) support your claim. The other route is to serve them a Letter Before Action then wait for that to time out then sue them.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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and just to be clear...

 

 

there ARE NO RULES WHATSOEVER

that goods on HP must be insured.

 

 

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks for your time Silverfox, will go straight to the Ombudsman. I'm wasting my time speaking to them myself. They even told me today that if I get CAB to call them on my behalf they will tell them the same. As far as Perfect Home are concerned they are in the right and everything is above board. You CANNOT question anything they do.

 

Thank you Dx

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Thanks for your time Silverfox, will go straight to the Ombudsman. I'm wasting my time speaking to them myself. They even told me today that if I get CAB to call them on my behalf they will tell them the same. As far as Perfect Home are concerned they are in the right and everything is above board. You CANNOT question anything they do.

 

Speaking to them! I hope you mean that you are speaking in a letter or if you are actually speaking to them, recording the conversation. Perfect homes are misleading you as both aspects of the cover are optional, not compulsory so you write a Formal complaint and send it by signed for delivery accusing them of mis selling and demanding a refund of all premiums paid.

 

I'm fairly sure the Financial Ombudsman has ruled on similar cases in the past. I will do some checks.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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I only found one case where PH were involved but that didn't cover the insurance and service cover. I di however find loads for Brighthouse which follows a similar type of agreement.

 

http://www.ombudsman-decisions.org.uk/


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Hi dx, silerfox, sorry I haven't updated you on this matter re Perfect Home.

 

 

Unfortunately my father passed away and have been stupidly burying my head in the sand with regards to Perfect Home.

 

 

I did however send a letter to them requesting calls to my phone and visits to my home,

plus my offer of a reduced payment which was sent a couple of days after my original thread was started.

 

 

They seem to have ignored this as I receive around 5-10 phone calls per day

and about 2-3 home visits per week.

 

 

I am sorry to bother you with this but was wondering if there was a specific letter/template

I could send as I probably worded it quite badly, thus them not responding to me.

 

Any help would be much appreciated

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film them at your door

if you've sent a letter specifically requesting no visits

and no call

time to complain to the authorities that gov'n them


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thank you dx

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Log and list every call and visit, film every visit then report them for Harassment.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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So long as you maintain your preferred method of contact (mail or email) and you have told them as much then there should be no calls and visits.

 

What they are doing by calling you and visiting against your wishes is criminal and you could report them to the police as it is harassment pure and simple.

 

Keep accurate logs of any phone calls and visits and recordings if possible. Your phone provider could supply you with a log of your incoming calls although they may charge a fee. If you explain that you are being harassed, they may well help more.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Thanks Silverfox

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Thread is 18mts old

Now closed to stop newbie bumping


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 600 days.

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If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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