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    • Hi all.  Recently parked in this car park three times within the last two weeks and have now been issued £180 in fines (£60 for each fine), total. £300 if I do not pay within two weeks.   I’m keeping details here sparce as I don’t wish to shoot myself in the foot by saying too much and potentially an employee at their company reading this. I will happily respond to questions as I get them.   I have noticed some tactics in a similar previous thread from this same car park and was wondering if maybe those would apply to me here?   many thanks in advance
    • I will email dx100uk 's suggestion in the morning,  I completely expect to be ignored but I shall inform TS and advice Direct of the correspondence between myself and the dealer over the last couple of days.
    • Good Evening,    I am looking for advice on where to turn next, as I have been trying for a few weeks to get a refund from Amazon, who are not  actioning my request. I don't know where to turn now, I was thinking of going to my Credit Card issuer and trying the Section75 route, but i'm not sure if that is applicable in my case? Or if there is something else I should try first. Below is the issue;  August 7th - I purchased an item (Item#1) - Expensive £634 August 10th - Item arrives. Inside the box (of the 'right' item) was NOT the correct item. Immediately got on to Amazon Chat and spoke to a CustomerService rep, who I explained to that inside the box was not what was expected, I explained what WAS in the box, and he said he was sorry, he will order a replacement. And to send back the incorrect item. I closed up the box, taped it back up, and immediately went to the post office to send it back. I have the tracking number which shows the date and time I sent it, and when it was received by them. August 12th - Tracking says Item#1 received by Amazon at SDC. August 13th - replacement item (Item#2) arrives. _ Now, ridiculous as it may be, I did realise in this time that the item I purchased would not be suitable for what I wanted, as I didn't have the means to power it. So I decided I would return this item. August 15th - I went through normal Amazon return process to return this item. And returned it that same day. August 19th - Item#2 return received by Amazon SDC. August 19th - Also on the 19th, I receive an email from 'Account Specialist' (no name) regarding Item#1, advising they had received a 'different item' ,  and that I had 'repeated problems with returns on my account'. And to reply to that e-mail to 'appeal'. I was literally thinking, WHAT THE ACTUAL F. - I've never returned anything before, an RMA for a mouse is all I can remember EVER returning, and I don't think that was even with Amazon. That was about 6 years ago. So I reply to the e-mail, asking WHAT 'repeated problem returns' they are on about? And the fact the item IS incorrect, as that is why it was returned...  Sept 3rd - I receive this response from said 'Specialist' email.   I go on the chat to ask what this means, they don't know and tell me they're 'awaiting the return of the item (Item#1) - please reply to the 'Specialists' email (which I had.) All the e-mails are messed up and all over the place, as Amazon use a different e-mail EVERY time they send one. So i've found it hard to track them. But anyway, forward a little bit further, I receive another e-mail from the 'Specialist' Sept 16th - Email from 'Specialist' EH??? So what does this mean? Nothing apparently, as I then go back on chat with Customer Service and they just say 'Sorry can't do anything we can't action a refund and no idea what is going on'. Then... Sept 16th - I get email from Customer Service (not 'Specialist') So I reply, with the tracking and order number. Well, it goes nowhere because you can't reply to customer service emails!! So I basically send THAT email AND my response to the 'Specialist' email. No response thus far. I go on Chat Again, they do the same spiel and don't look at anything, don't want to know anything, just say 'Can't do anything, have a nice day.' Now, some may be wondering - Why don't you just ring them!? - Well, I can't use phones easily. I am hard of hearing and REALLY struggle to understand people generally, let alone on the phone. Now factor in ringing Amazon. The line is terrible, with someone speaking hard to understand English the other end of the phone. Good luck to me! Anyhow, on one of the emails a little later on, someone said 'Please ring us to sort this issue as we are unable to action the refund through chat, as we need to do security checks which we can only do through the phone.' Fast forward Sept 30th - I go on the Amazon site get Amazon to call me, after perservering with trying to understand the woman the other end, essentially saying 'Can't do a refund reply to email' - then hangs up on me. I get them to ring back again. A different Customer Service rep this time, exactly the same answer please go on hold I will get my supervisor - 6 minutes later, hangs up. Now, unexpectedly, that second guy actually e-mailed with a follow up about 30 minutes later! Not that useful mind. But still.   Now... I thought, right so, what? The original person put it down as 'defective' and i've said over and over it was an incorrect item?? So because of THAT I am not getting a refund?? So I ring up again, explain what has just happened, woman on phone just says 'oh i'm sorry but let me check for you, oh i can't action anything my end.' I then go on twitter - simply saying So what is up with no help from customer service then Amazon? to their amazonhelp twitter. I actually got a reply, and a PM from them - they gave me a form to fill in. From that I got exactly the same Customer Service reply as before. Even after explaining basically ALL of this. They just ignore all of it. And copy and paste a standard reply. I don't know what to do. I'm completely lost and don't know how to get through to what surmounts to *as many insults as I can here* of Amazon customer service people. Anyone know where I can go from this? What can I do? Try Section75? Or chargeback? Or some other solution? It was done on Mastercard, It was through Amazon, not marketplace or a third party seller. Or am I missing something.  
    • Just to give an update on this case, I have never received any further information from Minster Baywatch. I never responded to them either.
    • him rejecting the offer bears no relevance    
  • Our picks

    • 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!
        • Thanks
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    • Ahmed Alwaheeb's firms sold cars riddled with faults – and which sometimes had government recall notices. https://www.consumeractiongroup.co.uk/topic/427369-ahmed-alwaheebs-firms-sold-cars-riddled-with-faults-%E2%80%93-and-which-sometimes-had-government-recall-notices/&do=findComment&comment=5071860
      • 3 replies
    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 8 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies

Citizen Advice: Rent to own survey - do this! tell them how useless RTO companies are!


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Citizen Advice are asking customers of rent-to-own companies to complete a short survey about your experiences of shopping at BrightHouse, Perfect Home or Buy as You View.

 

Your responses will be used to produce a report about consumer experiences in the rent-to-own market.

 

This report will be used to see whether more can be done to protect consumers such as yourself.

 

https://docs.google.com/a/citizensadvice.org.uk/forms/d/1-exGdFfQaO9CiwOKicwroUQvh5bg0J2F1fCZHJBsL5Q/viewform?edit_requested=true

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  • 2 weeks later...

My son moved back home so my wife phoned Dial-A-TV to purchase a TV on a rent-to-own basis. Dial-a-TV were asked by her "will I own the TV after the installments?..Answer "Yes, after 18 months." "How much will the TV cost per month?" Answer " £30.48" So to confirm the "TV will cost £30.48 for 18 months as a rental then after the 18 months I will own the TV" and they said "Yes". The agreement came in the form of the Consumer Credit Act 1974. She signed it and returned it. I only saw it when the problems started!

 

She was telephoned by Dial-A-TV to see if she wanted an upgrade to which she said "NO, and when is the last payment?" and the reply was "August (2016). " 18 payments. This flagged up something to me so I asked her to cancel the final payment on direct debit and that I would pay the final payment by cheque and written in it "FULL AND FINAL SETTLEMENT FOR GOODS RECEIVED) which I scanned and filed. It was only after the DD was cancelled that Dial-a-TV wrote to say the direct debit had been cancelled and that there were another 39 payments of £35 to be paid for rental.

 

I phoned Dial-a-TV and was met by a tirade of abuse so I hung up and re-dialed and got put through to a manager. Unfortunately a firm like this prey on those who have to use firms like this and don't know their rights! I had said to their manager that their operative had called about a TV upgrade and the question had been asked about final payment. The manager said " the operative would say (in this case August) but that was the minimum term was 18 months so there were 39 further payments owing"

 

Lets look at this: if the question was asked "when is the final payment?" and the answer was "August" then a reasonable person would believe it to be "August) So the Law of Contract is based around what a reasonable interpretation is so anything else meant but not said is NON-DISCLOSURE. On the agreement there was no mention of "39 months payments @ £35" NON-DISCLOSURE. The agreement did not say anything of the further 39 payments or the total amount payable. This suggests it is regulated by the Consumer Credit Act 1974 s79 (a rolling contract like credit cards) until you read the total amount of payments are 999 months. But no, having a total amount of periodic payments @ £30.48 shows it comes under s78 in which case those 999 payments should be calculated to a format showing 999 payments of £35? or £30.48?, the total payable under the agreement and the interest charged. Incidentally if all the payments were made the TV would cost £31000+!

 

The agreement fails to be enforceable under the Consumer credit Act 1974 because the information is not on the agreement as required (S60 Prescribed terms) If Dial-a-TV try to enforce the agreement under s64, and goes to Court, s127 precludes a court from enforcing the agreement. So where does the cheque come in with the words FULL AND FINAL SETTLEMENT FOR GOOD RECEIVED? The payee, Dial-a-TV has about 7 days from cashing the cheque (unclear in law as to the time) to state they accept the payment but refute the cheque being FULL AND FINAL SETTLEMENT. They have to object to the statement on the cheque quickly or they have tacitly accepted it as FINAL. obviously if Dial-a-TV try to pursue the payment or return of the TV by specialist debt collector then there is always the CCA 1974 s70 (misrepresentation) which states where there is misrepresentation then all payments shall be refunded and the goods (TV) returned. See what happens next. On their next contact they will have the full, legal and lawful response!

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Citizen Advice are asking customers of rent-to-own companies to complete a short survey about your experiences of shopping at BrightHouse, Perfect Home or Buy as You View.

 

Your responses will be used to produce a report about consumer experiences in the rent-to-own market.

 

This report will be used to see whether more can be done to protect consumers such as yourself.

 

https://docs.google.com/a/citizensadvice.org.uk/forms/d/1-exGdFfQaO9CiwOKicwroUQvh5bg0J2F1fCZHJBsL5Q/viewform?edit_requested=true

 

Painless enough, hopefully see these parasites closed down!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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About time these charlatans were attacked by the authorities and media.

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