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    • 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..        
    • Hi there, the company name on the bit of paper is:   Bristow & Sutor   Says the total amount £990.49 and this includes £235 enforement stage fees,  The CTAX was owed to North Tyneside Council. The guy also said that it wasn't just for CTAX. Other debts were combined.   I did leave other debts behind too when I moved. Perhaps a utility bill, credit card debts and a Provi doorstep loan.   I think the guy said that he would be back Saturday too. This is what I'm trying to avoid multiple visits. Don't want my mam to get upset.   Thanks for the help.   Bear
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pacmanman

Bought Misleading Online Course Based In USA

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Hi all,

 

I am really sorry but I do not know where to put this.

 

I bought an online course. It had a no refund policy and was based in the USA. After going through it - I have realised that the claims made in the sales pitch were very misleading and some were lies. As what is stated in the course is quite different to what is stated in the salespitch.

 

I asked for a refund and was told flat out that it would not happen and then was told that everything I said was wrong - my perception and the facts and that he could prove it. Then was told he would not respond to anymore messages about it.

 

I have spoken to several other people who have felt mislead too. They have been successful at taking the company to small claims in the USA. In fact there seems to be quite the awful trail if you look for it online.

 

I have contacted my credit card company about this and I am waiting to hear back. The amount was £600.

 

As the company is in the USA - what can I do about this? Will the credit card company help me or do I need to do something else?

 

Any help would be greatly appreciated.

 

I get that they had a no refund policy which would have been fine if the salespitch hadn't basically lied. I know the UK law does specify that marketing should not be misleading etc...however as this is a USA company I am not sure how to deal with it.

 

And yes I know I was dumb and it is the first time I have fallen for this crap and I am disappointed in myself but well live and learn and I know it won't happen again.

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Your credit card provider is equally liable for this mis-selling (under section 75 protection), so to avoid the complications of it being a US company: You've done the right thing:

a) asking the company for a refund, and

b) informing the credit card company.

 

Given the company has refused a refund, if the credit card company do as well, threaten the credit card company with taking a small claims action out against them in the UK

Purchases from abroad are covered, so don't be put off.

 

What I'm unsure of is the potential 'wrinkle' that if you do have to issue a 'small claims track' claim,

the card issue may refer you to the T's & C's of the purchase,

so if there is a term regarding applicable law.

 

They won't be able to argue jurisdiction (that it should be heard by a US court), since you aren't suing the US company but the UK card provider ..

... but they might try to argue that any assessment of misrepresentation should be heard according to US law.

 

 

owever, they'll likely settle before then (the cost to the card provider involved with it going to the initial arbitration stages the card provider will be required to use by MasterCard or Visa will make them likely to settle a claim for £600-odd that has a good chance of success before it reaches that stage).

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yep go do a section 75 reclaim

 

 

dx


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name the company too

 

 

dx


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

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Thread moved to the appropriate forum.

 

Regards

 

Andy


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So I finally got a reply from my credit card company and they said this:

 

"In this instance we have no clear evidence of a breach of contract or misrepresentation by the merchant, the points you have raised regarding the marketing content are subjective to interpretation by each individual and their personal opinions.

 

As there can only be a valid claim under Section 75 if it can be evidenced that there has been a breach of contract or misrepresentation from the merchants we would be unable to progress your claim."

 

I don't really get how they can say that.

 

I sent them the marketing video and pointed out the false claims made compared to the actual content received. They aren't subjective because the content given isn't what is said they would give in the video and marketing material.

 

I sent an independent report from a company who assessed the claims versus the content too.

 

I have also spoken to several other people who have gotten refunds due to the misrepresentation.

 

So what do I need to do next?

 

Thanks for you help

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Send them a letter before action, noting they have 14 days to reconsider, or you will ask a court to decide. Only send this if you are willing to carry this through if they don't reconsider.

 

If they don't refund you, issue a county court (small claims track) claim, holding the credit card company equally liable for the misrepresentation, and allow a court to decide if you are correct that there was misrepresentation, or that they are correct that there wasn't.

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Thanks for the help. I don't feel like the evidence I gave was subjective but am wondering if there is someone I could get to look it over beforehand? Obviously..the fact that this same information was given to other card companies who instantly refunded made me assume that it is enough evidence. So not sure.

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Hi

I have sent my letter before action today.

They gave me the tesco complaints address to send it to...which is glasgow based.

 

Is this going to be a problem for a small court claim?

Does it need to be an England address?

 

I have a feeling I will be putting the claim in in a few weeks time so want to make sure that it being a glasgow address is ok?

I am not sure what other place I am suppose to send the court claim - they just told me the complaints address.

 

Thanks for the help

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that's ok


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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

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No, the matter will be decided in a court near to whwre you live so english law will decide. Tesco are a UK based co that act under english law so being in scotland wont change anything

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I got a text message from Tesco a week or so ago...saying they would respond.

 

It's been over the time I alloted them

 

today I was about to set up the small claims thing

- hwoever I got another text message from Tesco saying sorry their response is taking longer than I wanted.

 

So do I wait?

And how much more time should I give them?

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why a text message to a written letter?

 

I would be inclined to phone whoever it is sending the texts and tell them thatyou expect a written response as required under Civil Procedure or it goes to a claim withour further notice.

 

the do just that rather than make more noise.

 

You could phone and ask for their litigation dept to get a name or it will be sent to the name of the CEO of Tesco's as he is responsible for everything legally speaking

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I received a letter response this morning that they are uoholding the decision...so next step I guess is small claims. I don't really get it considering I know people have received refunds from their card companies. I sent all the same information.

 

Any advice on how to word it?

 

Thanks

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Also I think the problem is..when I asked for a refund, access to the course was taken away so I can't show the difference between course material and the salespage - is this the problem do you think. Not sure why others are able to get refunded on the same information though.

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If they’ve removed your access to the course earlier than the contract allows : that alone is grounds for a refund.

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Well Tesco do not seem to care so just going to pursue small claims now. Hopefully they will look at it properly. Tesco were not interested in any of the information or the additional information I could have provided.

 

I will name the course name. It is an Anthony Morrison course. Fan Page Domination. All his advertising says FREE method - he even has high profile people endorsing it - but it is all a lie. The material doesn't reflect it whatsoever. There are just over 1000 members in his facebook group for it and not one success story - if someone feels misled their message gets deleted.

Edited by dx100uk
quote

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I ended up doing the FOS route not realising how crap they are.

They have come back with verdict that they didn't find it misleading.

 

Is it still too late to do small claims court or can I now do that.

I bought it last April now and its nearly a year on.

The FOS took ages to respond.

 

I want to now send tesco another letter before action and then do small claims against them.

 

I am part of a group of people who got done over here and all of them have been successful.

They are all USA based and their credit cards had no problem refunding them..

.so I feel I should push it to let a court decide.

.but of course only if I still can otherwise I get I will have to let it go.

 

Thanks

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You've already given Tesco (I'm assuming as the card issuer) a LBA. Which should have said that you could issue a claim without further reference to them??

 

If so, don't give them any more chances and just issue the claim. For £600 they'll probably just settle it without a fight to be honest, it would cost them more to defend than the claim is worth.


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have you referred Tesco to actual evidence numerous other card providers have honoured section 75 claims


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

spreadsheets 

 

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Ok thanks - glad it is not too late will do that today.

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have you referred Tesco to actual evidence numerous other card providers have honoured section 75 claims

 

They were not interested in seeing it when I said I can give them the evidence, The ombudsman said it didn't matter either.

 

I gave them an independent review from an organisation that showed it was misleading, then I showed them the webinar and pointed out what was misleading and they were uninterested. I also gave them other information too. I do not think that they even watched the webinar - they seemed very uninterested in what I provided.

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Tesco gave me a glasgow address to write to but the money claim only allows for england and wales addresses. Not sure what address to put down for tesco - any advice on how I go about getting an england address? Thanks for help

 

Could I just send it to this one: Tesco PLC

Tesco House, Shire Park, Kestrel Way, Welwyn Garden City, AL7 1GA

 

Or does it need to be the Tesco bank one..if so that one is glasgow and I am not sure what to do as money claim only allows england/wales address.

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tesco bank in scotland.

Moneyclaim allows you to sue someone in scotland if english law was used to create contract. you can sue someone in singapore if english contract, you will just struggle enforing

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