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    • Gas is not credit so no requirement for an agreement nor DN Cabot -' settled debts dont get sold on...    
    • Hi all,   I would appreciate some help with a default date.   I took out an Egg credit card on 10/01/2005. I missed payments and eventually it defaulted but I do not remember when. But, my credit file says it defaulted on 02/11/2015 and it says it’s Arrow Global now. I contacted Arrow to enquire about the default date because I don’t remember having the card for as long as 11 years. Arrow say they purchased the account on 21/12/2014.   I also put in a CCA request with Arrow but they say they have no documents from the original creditor i.e. Egg and nothing themselves. I've asked for a notice of assignment which apparently is on its way to me since the last month or so and apparently I made a payment of £10 on 7th April 2016 but I don't remember this so I've checked my bank accounts and nothing left my bank accounts on or near this date.   So strange, something isn't right.   I am also confused how the default date can be after the purchase date as from what I understand, Egg would have had to default the account before a DCA could purchase it? Or am I wrong?!   Would appreciate any advice and information!   Thanks, Jdip
    • had courtesy car since 20th jan, she had a Vauxhall corsa 2010..the hire car is a 2018 corsa. i have told her to give it back to them
    • Work out the cost to date.  How many days hire so far ?   What car did your Sister have that was written off ?   Is the hire car similar to your Sisters car ?   These credit hire companies are just trying to make money providing expensive hire cars.
    • For sure, It's just that waiting on that is taking a long time and i've had one bank end their relationship with me over it after I applied for a planned overdraft, Thanks for your advice anyway!
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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My wife bought an Acer PC from Currys and because it had an hdmi display port had to buy a TV to use with it. The salesman attempted to sell her an insurance/service contract with it which she refused. He then said he would give a COMPLIMENTARY months cover on a contract in case she had any problems connecting the two, by the way I am an IT professional hence the original declining of a contract.

 

The item was paid for via a credit card and the amount verified by PIN was correct. A month later a charge of £6-50 appeared on her credit card which it transpires is for payment for insurance/service plan. Referring back to the now fading thermal receipt issued at the time there is an entry headed "Monthly Card Mandate" for £6-50. Above this are other entries of a debit followed by a credit for Customer Support Agreement. She never entered into any form of agreement with Currys and did not expect to find entries regarding "Monthly Card Mandates" on what was expected to be just a receipt for purchase of equipment and for which the total verified by PIN agreed with the purchase price of the equipment.

 

Is this all totally legal? After an agreement has been refused and then a complimentary month offered is it right to expect to be tricked into further payments in this wat without any from of signed documents covering the agreement?

 

All thought welcomed. :-x

Edited by Andyorch
paras
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there is a card mandate/direct debit form to sign. if your wife didnt sign this and they dont have the paperwork to prove it, then yes this is against the law.

if she did sign it,even without reading it, if its her signature on the paperwork, its dodgy but legal.

as a former sales advisor i used to get told to use the phrase "can you sign here for the use of your card".

hated doing it, got my bluff called a few times and got out of sales asap.

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Firstly,

your wife should contact her card company and cancel any future payments, otherwise the same amount will be taken every month, forever.

 

Secondly, cast your mind back to the purchase and see if you can remember signing the form.

If it was signed, then, as a previous poster said, it is legal, even if you didn't read it.

 

For the amount involved, it wouldn't really be practical to take it to court I don't think.

However, what I would do is go to the branch, ask for a manager, and explain what's happened.

 

Trust me, you are DEFINITELY NOT the first person in this situation.

Keep calm, talk to the manager on the his level, don't go ranting and raving, tell them you "feel let down", and you've "always trusted Currys", and that it's "left a bad taste" and you "feel like not shopping here any more".

 

Play it right, blow smoke at him a little, make him feel important, and although you probably won't get your money back, he will quite likely offer you some small gift or incentive, or a percentage off a future purchase "to restore your faith in the company".

 

Play it right and you will walk away with something of more value than the £6.50 you have been charged.

Go in there shouting and talking legal and they will probably just show you your wife's signature on the form and give you the middle finger.

 

Your choice... Best of luck.

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  • 2 months later...

It's free for the first month, then you have to cancel. I always take, especially when taking things home in case of accidental damage on the trip or getting it in the house. Then I cancel it a few days later. I'm covered for the month and then it doesn't renew the next. Simples.

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