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    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
    • Hello CAG, Bit of a long post, may want to get a cuppa before starting reading... 😁   after being a lurker for many years and trying never to get into a mess with credit cards like i did 20 years ago, i've got myself into a mess with Amex... I've tried being open and honest with them, but now getting the feeling they are messing me around.    Its not a chargecard, but a Nectar Credit Card with them. TAKEN out 2016. Balance is just under £15k as of today, was almost at £17k.  Debt still owed by Amex, not been sent to NCO/Arrow etc - YET...    Background (short version): Was all fine with more than min. payment (£500 or so), being made until April 2020 when a number of things reduced my monthly salary from work (mainly, take a pay cut or be made redundant), so I soon quickly realised i needed to tighten my belt quickly. Phoned Amex, advisor said nothing they could do except Payment Holiday. Was put onto that for 3 months, told that Amex will be in touch at the end to restart payments. I asked about interest being stopped/frozen/reduced - not possible. So agreed to payment holiday to give me breathing space. 3 months came and went, no contact from Amex... No payments made, interest still racking up at around £300 a month...    Rang Amex back (July 2020), we cant do anything today because your in the middle of the statement cycle call back next week. Called back week after, no solution yet (i asked about things i seen on Amex US website = Regain program - basically freeze card, lower interest rate and pay a set amount for 12 months - more about this later) > Not available in UK yet.   Want to stay on payment holiday Mister B? I asked if there was any way interest could be stopped as this is making the balance increase and increase. No. Do you want to stay on Payment Holiday? Ok. (Bear in mind, if i came off Payment holiday. Minimum Payment was around £570 per month.  So, stayed on payment holiday... Didnt hear anything from Amex again. Called back up in September 2020. Please call back in October after 10th and we can assist.   Called back after October 10, went through loads of stuff, different options etc, was warned that Payment Holiday might not be extended much longer, but now have a program. Worked out with Amex woman that i could pay around £200 per month. But please stop interest - no we cant but we can reduce this down to 9.9APR instead of 23%... . Amex woman said she needed to submit details to 'Seniors' at Amex, please call back next week for update.   Called back week after, advised that first Amex woman was wrong and had made mistakes, shouldn't have told me what she had told me, £200 is too low, minimum would be £389 per month for 12 months or account will default. Told Amex woman 2 that couldn't afford it, went through this last time, etc etc. Amex woman 2 went off, came back, £329.74 is minimum they can possibly accept, 12 months at that amount per month and interest would be lowered, but not stopped. If you dont take out this 'Program' then account will default and will be passed to NCO or Arrow (I hate them both).  Went off, tried to get loans etc, all refused. Rang Amex back, reluctantly agreed so i can keep credit rating at 'good'.  So, been paying since Nov 2021 @ £329.74.    Letter arrived in December - due to out mess up with moving accounts around whilst on payment holiday, we are going to give you £3074 back. Logged into account, only £30.74 refunded, not £3074. Phoned Amex cos thought it was a joke/mistake - Spoke to some bloke - Oh dont worry, the rest will be applied to account automatically in 7 days. he advised was genuine but then got cut off during call. Called back, spoke to some other bloke, yes, looks genuine but please hold... Came back 10 minutes later. Oh, its a mis-print, you are not the only customer to receive one of these. Each should have been £30.74 not £3074. Me = Gutted.    Wrote a letter to Amex saying how dissatisfied i was with general customer service and felt they were incompetent, blah blah etc. Final response received, Complaint partially upheld, heres £150 credit because we were a bit silly, but thats it. IF your still not happy, go to FOS. Opened a case with FOS... Have sent them the complaint letter to them and have had a call from them about this... FOS are backlogged though and will take another 3 months for complaint to be looked at by them.   Let me make this 100% clear, fully admit to owning the debt, yep, ive spent this money (wish I knew what on, cos having got much to show from it - just general stuff and holidays)... Not trying to shirk out of it, trying my best to keep up with re-payments but im really struggling. After I got paid on 1st April, after paying all outgoings i had £9.83 left in current account so am having to go into overdraft each month which is just a vicious circle.  I would really like to NOT have to down the default route and trash my credit rating and then have to deal with the morons at NCO / Arrow etc.    Meanwhile, this is where I need the advice of the CAG experts... - Credit Limit increases... These were coming every few months and it was just being upped and upped and upped. Credit limit eventually was stopped at £15,400. Some of the increases I never even received letter for, just noticed when I logged into account. >>>> Would this be a case for irresponsible lending?   - Stopping interest - I've read something on FCA site that they recommend (not policy) that if a customer is put onto a payment holiday then they recommend freezing interest for customer so the debt doesn't continue to build. I've asked time and time again, Amex just refuse.  >>>> Any tips on how to get Amex to play ball?    - Full & Final/Short settlement I've rung Amex today, told them I might be able to pay it off. Initially they said full balance, i then pushed, they then said they would accept 80% of balance, pushed them a bit more, got it down to 70%. >>> Surprised, and then very surprised they would accept 70%, anyone else think this is a bit odd? Normally they wont budge, or they wont budge from their first offer... Could their be something wrong on account (missing CCA etc?), or do they want rid of me and account as much as I do with them?   - Cant really keep going at these £329.74 repayments. Something is going to have to give somewhere. I believe they wont go any lower and they will just default it i send £100 instead of £329 and send it out to NCO/Arrow. This might not be a too bad thing though because this would stop the interest right? Anyone thoughts on this?    Anyone think of anything else I could try with them? Again, its still with Amex, not defaulted or anything yet, yep, its all my own fault, i've spent the money, dont deny that, just feel Amex have took advantage etc.   Many thanks for reading. Any advice is greatly appreciated.   Kr, Mista B.     
    • Ok so we have complained to HMRC but were still no further forward with getting the P45/P60. We need this as DVLA has said they need more proof of who he is before giving him a provisional license.  What more can l do. 
    • Hi All   just looking for some advice. I bought a used Porsche Boxster from one of Marshall motor group’s Audi dealers (can I name them?) recently and was assured that it received a major service in October 2020 in line with the manufacturers requirements. The service book confirms this. The dealer also told me on the phone that they have a 6 month rule with any mot or service being done if due within this period which assured me when making an offer over the phone on the car that it wouldn’t need anything doing for a while as I recall saying that.   However, digging through the receipts post delivery I saw that the service was in fact minor and after calling the specialist who serviced it in Oct both they (Sheepishly) and the invoice confirmed that the car did not receive new spark plugs, an air filter, brake fluid replacement or a new fan belt which have now all fallen due and hence the major service due warning light. Had I not investigated this then the car would have potentially gone another 4 years, so 8 in total without some of these items being done.   i emailed the salesman to ask what they would propose to do. The matter is complicated by my living 450 miles away in Scotland, and 200 from their nearest branch, a Mercedes dealer in the Lake District, so I suggested getting my cheapest local specialist to do the works that have fallen due, however I have received no response.   Whilst I am still within my 30 days i don’t want to reject the car, which is otherwise perfect, but the fact remains that the Audi 150 point check only asks for upcoming mot’s to be checked and not services and surely you wouldn’t buy an approved used car and expect to have the service light come on 2 weeks later and have to spend almost £500 putting it right.   i would really appreciate some advice on next steps and perhaps who to escalate this to. Meantime the car is booked in for 2 weeks time to get the work done at the cheapest reputable place I could find.   Many, many thanks in advance
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On August 11th we ordered a television from Tesco direct which we picked up on August 14th.

It was fixed to a wall bracket and used without problem until 1st September.

 

On 2nd September the T.V. was switched on and there was a black section to the screen.

 

We called Tesco and they asked us to send in a photo of the screen saying that they would get back to us within 3-4 hours,

they failed to do so and we rang them again to be told that they had not had time to look at our email and that they would call us back shortly after11 am the next day.

 

By 2.30 they still hadn't called and so we contacted them to be told

 

"it looks like accidental damage and so we are not responsible"

 

I tried to explain that there was no way that this could be the case but they refused to budge.

 

I then offered to take the T.V. to a local store with an electrical department so that they could perform a physical check of the item,

they said it wasn't necessary and that their decision stood.

They told me that I should take the set to an accredited repair place and obtain a report.

 

I believe that Tesco are in breach of the Consumer Rights Act 2015 and the following extract.

 

The first six months

 

If you discover the fault within the first six months after buying the product,

it is presumed to have been there since the time of purchase - unless the retailer can prove otherwise.

 

During this time, it's up to the retailer to prove that the fault wasn't there when you bought it - it's not up to you to prove that it was.

 

Tesco are adamant that they will not offer anything.

What are my rights?

Dont let the parasite dca's prosper

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Thank you. I have quoted them the relevant sections of the act.

but to no avail.

 

 

How can they hope to prove accidental damage when they have refused point blank to make a physical assessment of the item?

Dont let the parasite dca's prosper

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Have you written to the head office?

If not, write a letter as soon as possible to HQ and give them 7 days to resolve it before going to CAB or Trading Standards.

 

 

Don't forget to inform them that they are committing a criminal act by ignoring current legislation.

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emailed the CEO as soon as they said no. All replies are from there. I will email them again pointing out that they are committing a criminal act. They think that by calling it accidental damage their responsibility has ended.

 

Here is the email conversation starting from the bottom up. Tesco email in blue for ease of reading.

 

Email conversation with Tesco.

 

 

Dear xxxxxxxx

 

Thank you for offering to return the TV to your local store, however this won't be necessary.

 

The next step we would advise is for you to have the TV inspected by an accredited authorised repair agent.

Only if they can provide a report, backed up with evidence to show that this is a manufacturing defect would we be able to pursue this further.

 

Once again thank you for contacting our Chief Executive's office.

 

Kind regards

 

Xxxxxx xxxxxx

Customer Service Executive to the Board

 

As I said we will be issuing proceedings You will also find that we have already cancelled our saver delivery plan and emptied our basket for this weekend.

 

I am still more than willing to take the TV to the electrical department at my local Tesco Express so that they can actually see it.

 

This is the extent of my good will and will be withdrawn at 9pm today

 

 

Dear xxxxxxx

 

Thank you for taking the time to speak with me today.

 

As discussed I’ve spoken with our Technical Support team who have looked at the picture you provided.

 

There are cracks coming in from the left hand side of the screen.

 

 

There’s nothing in this area of the screen that would cause the LCD panel to crack in this way, without some form of external force.

 

We have come to the conclusion that this is accidental damage.

 

I know this will be disappointing for you.

 

Once again thanks for contacting our Chief Executive’s office.

 

Kind regards

 

Xxxxxxx xxxxxx

Customer Service Executive to the Board

 

Our full details were given here

 

On 11th August 2017, I placed an order for a Toshiba television and received it on 14th August 2017.

 

We have discovered that the television has a faulty screen.

I contacted your customer services yesterday (2nd September) who requested that I send a photograph of the screen to you (which I did) and that I would get a call back shortly.

 

Having received no call back we again phoned customer services who informed us that our email had not been dealt with but confirmed that as we had received an automated response it was in progress. At this time we informed the Tesco operative that I am due to go into hospital next weekend for complex surgery and so it is imperative that this is dealt with urgently.

 

We were told that “Macauly” would be in touch after 11am this morning (3rd September), again this did not happen and so again this afternoon we called customer services who have attempted to put us off until tomorrow. This is totally unacceptable due to the simplicity of the issue. A faulty screen will still be faulty and our Consumer rights will not change.

 

During the call this afternoon Mr. Matthews informed your operative that we have now officially rejected the television and under the regulations of the Consumer Rights Act 2015 we demand a refund.

 

To be clear here are our rights under the Act as quoted to your operative.

 

30-day right to reject

 

Under the Consumer Rights Act you have a legal right to reject goods that are of unsatisfactory quality, unfit for purpose or not as described, and get a full refund - as long as you do this quickly.

 

This right is limited to 30 days from the date you buy your product. After 30 days, you will not be legally entitled to a full refund if your item develops a fault, although some sellers may offer you an extended refund period.

 

The first six months

 

If you discover the fault within the first six months after buying the product, it is presumed to have been there since the time of purchase - unless the retailer can prove otherwise.

 

During this time, it's up to the retailer to prove that the fault wasn't there when you bought it - it's not up to you to prove that it was.

 

As these are our rights according to the Act there is NO question that by rejecting the goods due to their unsatisfactory quality a refund MUST be given forthwith.

 

Xxxxx xxxxxx

Dont let the parasite dca's prosper

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Report them to Trading Standards. Takes awhile but eventually TS contact the supplier. In the meantime write to the head office and inform them that they are committing a CRIMINAL offence under Section 20 of the Consumer Rights Act 2015.

 

CRIMINAL offence:???:

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CRIMINAL offence:???:

 

It is not civil as the supplier is wilfully disregarding current legislation so it is a criminal offence. I have a case involving rejection currently going against a supplier and have been informed that the supplier is committing a criminal offence as they were ignoring current legislation.

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I can't see any visual sign of damage to the screen. As far as I am aware pictures can't be posted to here but that would be immaterial anyway.

The onus is on the seller and not the purchaser, and so without Tesco making a physical inspection they are not in a position to make a decision properly.

Dont let the parasite dca's prosper

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Not correct.

You sent pictures

They say its because of external force, ie cracked coz of accident.

The ball is in your court so to speak.

 

Why is it immaterial not to post the picture?

Lets see how Tesco came to that decision.

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How can the ball be in my court when Tesco have not seen the television. All they have seen is a photograph. They have refused to let me take it in for a physical inspection. I have attempted to upload a photograph but it can't be done.

Dont let the parasite dca's prosper

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Which proves what exactly? Google ladyboy images and tell me if you are looking at a male or female without making a physical inspection. They are making an assumption.

Dont let the parasite dca's prosper

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click upload to post pictures but tO PDF please ONE FILE!

 

there is no criminal offence its a civil one = COUNTY COURT claim.

 

the unit has failed within 30days

you are entitled to a full refund.

 

lets see these cracks or not!!:-D

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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research is the key

there are numerous examples of certain makes of TV cracking once on a wall bracket.

esp if its capable of tilting forward. shifts the centre of gravity and twists the frame.

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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I can see what they mean

 

looks like it been pushed back on the top right

or pulled forward from the top left and its bent whrn it hit the way and fractured

 

does it move to tilt left or right on that bracket?

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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