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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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Right to refund? Incorrect product information

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Any advice anyone could give on this matter,

I would be incredibly grateful.


I have wanted a signet ring for some time, and my girlfriend said she wanted to buy it for me for Christmas.


So that I got the exact ring that I wanted, I was tasked with purchasing it

. I got in contact with a jewellery company based in London (we'll call LJC), and asked for the dimensions of two of the rings displayed on their website, and also asked for photos of these rings being worn on the finger.


The two rings I enquired about varied in size (ring 1 was larger in face size), weight (ring 2 was a 'chunkier' ring), and price (ring 2 was around £80 more expensive).


The jewellers responded with the dimensions of each ring, and pictures of what they said was ring 2 being worn.


They said that ring 2 had a face size that was too large to be worn on the little finger, and was more suited to be worn on the middle finger.


As the ring in the pictures (what I was told was ring 2) was exactly what I wanted, I purchased it (5th December 2016).


It arrived four days later.

I opened the package and saw the ring briefly, before I put it back in the box and took it to a local jeweller to be engraved (the jewellers I bought it from did not offer engraving).


The ring came back from the jewellers a week later (just before Christmas), and it was wrapped and put away until Christmas day.


After opening the ring on Christmas day and I started to wear it,

it soon became obvious that the ring that I had been sent was not the same as the ring in the picture that I had been emailed, despite them supposedly being the same ring.


The ring that I have been sent has a larger face size (it looks a bit too large to be worn on the little finger) and (more importantly) the depth of the face/table of the ring, is significantly thinner (the rink is not as chunky, and looks a little 'flat').


I now have a problem.

I have spent over £400 on this ring, and it is not what I wanted.

The ring is too large (in face size) to be worn on the little finger and is not as chunky as I had wanted.


I am not happy with the ring and do not wear it.

If I had noticed that the ring was different, I would have immediately sent it back for a refund.


However, the differences were not immediately noticeable upon first inspection; it took some wearing and looking at it for me to realise the differences.


It has now been engraved, and since the time since purchase is over 28 days, I cannot return it for a refund.


Do I have any rights to a refund on this product?

The retailer has provided me with clearly incorrect product information (in the form of the ring dimensions and the pictures), and I believe that they have therefore breached the Consumer Rights Act 2015.


However, as stated above, it has been over a month since purchase and the ring has been customised.


Any advice anyone could offer on this, I would be incredibly grateful.


Many thanks.

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As you had opened the ring prior to sending it to be engraved i dont think that can be seen as anything other than accepting the ring "as is" and since its niw been engraved for yourself, you would be unable to return the ring in its original condition.

Im afraid i dont think you will get anywhere with this now.





I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.




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I agree, you have now modified the ring, so i do not believe that you have much come back on the shop; you may be able to argue a gesture of good will from them but that will be down to how they feel

It is easier to enter a rich man than for a camel to pass a needle

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to quote yourself "as the ring in the pictures (what I was told was ring2) was exactly wat I wanted".....

you had been advisd that it wasnt suitable for pinky finger and you had it engraved after inspecting the goods whne they arrived. Nothing the seller is obliged to do about this BUT it is not that difficult to polish out most shallow engraving so if you ask them nicely to whether they would consider an exchange for the other ring with a suitable allowange for the extra work you will put them to having the thing filed down and repolished they may well give you close to the new (lower price) ring price back and this will be better than just the secondhand value, which will be scrap value for an engraved signet ring. Worth asking as you now have nothing to lose.

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