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    • No I'm afraid everything here is done in the open. We are all very honest and straight dealing and also we have helped people in respect of this company before – they may be aware of us – but does it really matter? You started off this thread by asking how to they get away with it? The answer is that because even their own customers like to keep the problem secret so it becomes not generally known. If you want to do this secretly then you are simply bringing comfort to the sofa company. Is that what you want? Why?
    • I would like your help but I dont feel comfortable disclosing everything on here as it will be in the public domain.    Is there any way I can discuss my matter privately?    Thanks
    • Two hours to go (11am hearing) going to wear a hole in the carpet so nervous.
    • I'm trying to understand if you want some help with this or not. So far you haven't told us anything about your story – dates, prices, who you have complaint to et cetera. You have simply told us about how unethical it all is and asked how do they get away with it et cetera. Maybe one of the reasons why they get away with it so often is because people don't tell their story but simply complain about ethics. We can help you if you want. In order to do this you will have to give us information about your story – and we would prefer in a bullet pointed chronology without too much narrative. You say that you have obtained an independent report. There is a good move. Please could you post it here in PDF format so that we can have a look.
    • Good morning.   Ahh good  old Tax Credit overpayments, the gift that keeps on giving. It's almost guaranteed that if you claimed Tax Credits at some point in your life a charming little letter will pop through your door with a random national lottery size amount of money that you owe them, and it's always from many years ago. It's so thoughtful of them to send out huge demands during the most severe economic crisis of the last 100 years.   Nothing is going to happen quickly here, your SAR , when it arrives is going to be a huge box full of screen shots, call transcripts, what they assume your earnings were at the time.  It's very common for them to make mistakes, for example on mine within 5 minutes I noticed that they had my salary down as far higher than it was, which immediately took what I owed them down by £1200.   Boring summary as to why this happens,  The system is so complicated, that somebody always makes a mistake, either them or the Claimant, most people don't notice because the money is clawed back from their actual tax credit payments as  a tiny percentage that's barely noticeable. This works great until you suddenly start earning too much money and Tax Credits stop, then boom You owe us X thousand!  Unfortunately, being HMRC, and being utter rubbish sometimes that 'boom takes 15 years to arrive on your doorstep.   Ultimately, you may owe them something, in the end, they will talk like they are going to send the heavy mob in to repossess everything, reality is there are people all over the country paying them £20 per month or at some point in the future if you claim Universal Credit they might take a few quid a month off that. If you are really lucky they will just give it to a powerless DCA.   Once you have analysed your SAR, you may have grounds to appeal,  its also worth Googling Tax Credits COP 26 and reading carefully several times, perhaps some of the rules in there apply to you and may also be grounds for appeal. There are lots of mitigating factors that could even get the whole thing written off. Rest assured you can come back to this thread and ask anything,  I'll always respond and am very knowledgeable about this subject,   Keep us posted        
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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

Advice needed re: iwoot website I want one of those ...order


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Hi guys

 

Does anyone know my rights here.I bought my father in law a portable turntable forxmas- the iwoot website says " usb encoding and comes with usb cable"

 

He opened it and the day after asked where the usb cable goes as it doesnt have a usb port. It turns out it doesnt have usb anything! I wrote to iwoot and told them and asked for a return. That was on the 28th December - im STILL getting the same blanket response from them... "were sorry this hasnt met your expectations etc etc well get this sorted for you asap"

 

Ive asked to pass my complaint to a manager, messaged them on twitter nothing seems to make them care!

 

I paid by paypal so started a paypal case yesterday ,i honestly cant tell you how bad this company is. There have been a lot of 1 star reviews about them since xmas, their customer service is appalling! i would never ever recommend them to anyone.

 

With their service im wondering if they will wait until such a date that they say i cant return it any longer as its passed the returns date window. Surely this item isnt as described so im entitled to a refund?

 

Can anyone advise? ive screenshotted the description in case they change it before i can send it back.

 

The worst bit is he has cancer and doesnt need any more crap! ive told them im going to contact BBC Watchdog with it

 

thanks

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Under the cra

You can return anything within 14 days

As this was online

You have further time too

 

How was PayPal paid?

 

If by debit card

Do a chargeback

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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As the item was not as described, it is a breach of the Consumer Rights Act and you have a 30 day short-term right to reject. If you are still within the 30 days of having bought it, then you should write to them immediately and tell them that you are rejecting the item because it is not as described and you want a refund.

 

In any event, you should be processing a refund through PayPal – and hopefully this doesn't cause any problems.

 

If it is beyond the 30 days, then because it is not as described, I would say that you still have a right to a full refund – although by now it should be boxed up on its way to the supplier's.

 

When you do send it back, make sure that you it is fully photographed and sent signed and tracked. You should and all of the costs associated with returning it to your request a refund. What is the value of it?

 

Good luck with contacting the BBC – but they are unlikely to be interested, unfortunately. The best thing you can do is to start to write up about it on review sites around the Internet – include photographs of the advertisement/website

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paypal gives you 45 days to raise a complaint so use the paypal page to start one. Item significantly not as described will be the reason for returning. Paypal will then tell you to return via tracked method and order the refund once their system can recognise it as being delivered. Once you have started paypal dispute DO NOT CLOSE IT UNTIL YOU HAVE YOUR MONEY BACK regardless of what the company says.

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  • 1 month later...

Hi

 

An update

 

I had to open a paypal dispute to even get a returns label! ive sent it back and they seem to acknowledge that via DM on Twitter saying i should get a refund soon.

 

Its been nearly 2 months since i first told them the item wasnt as described and im still waiting for my money

 

The paypal case got closed automatically - and now they tell me i cant open another case for the same item! i didnt even realise it had. Why dont paypal make it more obvious that if a case closes you cant reopen another??

 

Ive asked my bank to intervene but they said the money was a direct debit?? so they cant

 

Ive written a review on Trustpilot and theyve replied and even ignored the fact that im after a refund!

 

They are blatantly ripping me off, they are not even responding to my account emails now??

 

What can i do - its nearly £60 worth they owe me!

 

:-(

 

thanks

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you cant have direct debit to paypal?

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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Thats what i thought??

 

the money was taken from my card which as far as i knew covers you. Ive written back to my bank.. i just dont get what they were talking about

 

One other thing:

 

I know that at least in the past if you had a dispute with Paypal and werent happy with their outcome and you asked or it to be sent to the FSA? for them to look at, then paypal had to pay the FSA? a set fee to get involved,

 

and if your item was less than the set fee then you were very likely to get a refund as it was cheaper for Paypal to refund rather than pay the higher fee to their governing body

 

Is this still the case does nayone know?

 

thanks

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why are you writing to the bank??

 

 

you can do it now on the phone

just phone your card provider

tell them you want to do a chargeback

off you go

 

 

dx

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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you don't email

you ring the card providers number of your bank.

 

 

dx

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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Share on other sites

My bank is all online, ive emailed them before to do a chargeback

 

they have just written to me and they are basically saying that any payment to PP are treated as DD therefore they cant help??

They said: When you verify your account with Paypal by confirming the 4 digit verification code that Paypal send when

you first set up your account, this creates a Direct debit mandate on your account and any further payments you make leave

VIA the direct debit method. This may appear from your perspective as a card payment, but this is not the case, the payment

is taken VIA direct debit. As mentioned in the previous message, Paypal don't fall under the Direct Debit Indemnity Scheme,

meaning we cannot submit an indemnity to them as it will simply be refused.

 

I'm sorry you feel the way you do about the way the company have treated you. The following link does state

how Paypal will cover you, but I'm afraid we are unable to pursue this matter for you.

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so they should be listed in your dd section of your online banking then?

 

 

if so they are right.

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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yes you can, it may be called a payment authority but it is a DD.

The short answer is to get an address for the company and send a letter before action and sue them. I cant see how the paypal dispute closed unless you closed it. Once opened it requires certain actions from the seller to take it to the next stage so tell us what wnet on there.

you cant have direct debit to paypal?
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Hi

 

The item wasnt as described so asked for returns. They would not send a label until i opened a paypal dispute, i didnt know you couldnt open another dispute once that one had closed! They emailed me via paypal and sent me a label

 

Ive thought of small claims but as it was only £60 its prob £30 to start a claim and if they pay before court i wont be able to reclaim my money

 

I cant beliee such a big company are like this. Im writing to head office tomo, please take my advice and NEVER use this company

 

thanks

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Ive had a message today that they say ill get the refund in a few days.

 

This was after i went on Twitter, and spoke to other users in the same boat. Some people have been waiting 7 weeks for a refund??

 

A few re tweets and tagging people like BBCWatchdog (asking them to get involved) and the FSA seems to have worked wonders

 

Also i found that by keeping deleting and then re adding my review on Trust Pilot def makes them take notice

 

thanks for any help offered, it is much appreciated and lesson learned not to use them again

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