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    • Hi All, before I start I know there are similar threads of the topic I am raising, and each, of course, has its own unique scenario, which may benefit others. My case is as follows: 1. I saw a gumtree ad on the 16th of Oct 2020 for a Mercedes E220 CDI, priced at 7,500 2. I called the seller and said I will come over on the 17th of Oct 2020 to view. 3. On the 17th of Oct 2020 I went to his place where he is working and viewed the car. He is working for a major car rental company. I checked the car and of course asked the normal things to ask e.g. any insurance write-offs, loans, accidents, etc. The seller said the car is clean etc.no loan, he had a loan but all is paid off etc. and he has the papers. 4. I negotiated the car price to 6,800 because the rims were showing some signs of damage, the rear light had a small burst, cosmetics, etc. I checked all but did not see any sign of damage to the car (it's a black car, the car was a bit dirty, and the sun was already setting in) 5. We agreed on 6,800 and decided to purchase the car. We went into his office, where I paid cash, and also got a Car Sales Invoice with all details of the seller, and a V5C green slip 6. I purchased car insurance and drove off. I asked him about Road Tax and he said Road tax is paid so I have not to worry, just need car insurance. 7. On 18th of Oct 2020 I cleaned the car interior because it was really dirty inside - it took me a few hours so decided to clean the exterior the next day 8. On the 19th of Oct 2020 I went to clean the exterior and after the car was clean I noticed some parts were resprayed. I became a bit suspicious; so on the 19th of Oct 2020 in the eve, I went on the internet and run an HPI check. The outcome from the HPI did not show any accidents, insurance write-off but an outstanding Loan with Moneybarn. At this point, I thought maybe the database is not updated, etc. 9. On the 20th of Oct 2020, morning, things were going through my mind; the seller said the car is clean, no issues, no loan since he settled all etc. but the HPI reports say there is still some outstanding loan. So what I did, I called Moneybarn, and explained the situation, and gave them the contract number as well (since it was displayed on the HPI report). They said they will send me a form by email, but they cannot share any information due to Data Protection (GDPR). fair enough I thought, but what made me boil, they said they OWN the car! So, I took the car and drove to the seller where he is working. I confronted him. He said don't worry, I will handle it, he has no time, he is very busy and bla bla bla. I said what reasons do I have to trust you, you lied, and now you say you still have a debt, etc. So I said I will not leave until he has settled the debt, or repay me my money. I also asked what is outstanding, he said around 7,000. Well, since I confronted him at his workplace he may have felt the heat, he assured he will settle all soon, I said sorry, I need a date, so I said you will settle the debt with Moneybarn by 23 Oct 2020, if not, you will refund me my money. He said Ok he will do it, so I said, since I don't trust you, you will sign a piece of paper, and sign it. On the paper, he wrote "I will clear the debt for the Mercedes by Friday" and signed it. I said I am not happy and added the debt details with contract number, and also a clause that if he fails to settle the debt with Moneybarn by Friday the 23rd of Oct 2020, he will refund me my money, 6,800, and sales of the car Mercedes, license plate, will be void. Also, I said to put an initial on each amendment I made with signature. He did, and I left. 10. On 22 Oct I sent him a message, to remind him to settle the debt by Friday 23 Oct 2020 noontime and also I outlined some legal jargon I had to sent that I received from citizensadvice. 11. On 23 Oct, morning time, I received a message from the seller, he said he will not/cannot refund me the money, not to visit him at his office or place, and that he feels threatened by me. 12. Now, the dilemma/headache; a). I received the form from Moneybarn on the 20th of Oct 2020 and I have to send it back within 7 days b). the seller send me a message he will not refund the money c). is the seller holding the title with Moneybarn or did he also buy and not knowing there is an outstanding loan on it d). did he sent the V5C to DVLA since I have the green slip? e). Shall I fill in the form and sent it to Moneybarn? f). If Moneybarn has all my details they may send someone to repossess the car? 13. I decided, I will not undertake anything yet, because my mind said, go there, confront him, park the car in front of the company since I purchased it there and signed all paperwork in their office, they will call the police, the police will come and surely will not do anything but will force me to remove the car and park somewhere else, record all on camera, take all evidence, sent to Moneybarn and at the same time to the seller's employer (when I asked him to sign a letter he will settle the debt by Friday 23rd of Oct 2020, he used a paper of the car rental company, and on the back, the logo of the rental company is displayed clearly and he may have acted on behalf of the company to sell me the car, after all, I don't know if he holds the title with Moneybarn - well, this is an excuse for me to even sue the car rental company, or blacklist him with the company he is working for since it seems he is some type of manager there and he may have acted in the capacity as a sales person to sell the car to me on behalf the company....). 14. So on the 23rd of Oct 2020, I didn't do anything like described under 13....it's not my style as such I called AWH solicitors, explained all, and they said one person is specialized in dealing with such cases and will call me back after studying my case and inform me if it is something they can fight or not. So they will call me Monday the 26th of Oct 2020. I also said I want to go now and confront the seller, but she said better wait till Monday, and if they can fight the case, they will tell me the next course of action - but my funds are limited and cannot afford a lengthy battle, because if no case against Moneybarn means I will have to sue the seller to the court which will cost me. The car has comprehensive insurance and with all this saga I added on the 20th of Oct 2020 also legal insurance on top. Lengthy story, but I am trying to be as detailed as I can, and yes I should have done an HPI before buying the car, but I am from Holland and car sales work there a bit different, and this is my first time I buy from a private seller. Well, once I have sent the form to Moneybarn, I will park the car in a garage, and at this stage, I am renting a room in a house (there is one more tenant). Since I am from Holland, I am planning a trip within 2 weeks to visit my family and I will drive down with the car and in the meanwhile wait if the solicitor can be of any help. I need some advice though, I am still planning to drive down to the seller on Tuesday after I talked with the solicitor, park the car in front of the company, and confront the seller, and try to record all. I will also try to make him sign a letter that I purchased the car in good faith from him (regardless if he holds the title with Moneybarn or not but at least I purchased in good faith from him). Evidence that I have: 1. Car sales invoice 2. Paper that I made him sign 3. Gumtree ad; I could retract this from google history, but the original add removed from gumtree. At least I can show it was advertised 4. I tried to create a history of past owners, total owners including me are 5. It seems the car was also posted on gumtree before by a company in Essex (I saw on google). The reason for doing this, it is very likely that the seller purchased the car from someone else with an outstanding loan. Since then I read a lot on the internet, so please any advice is welcome to pursue my case, I paid a lot and at least I want my money back. Also what I read so far, Moneybarn is not easy to deal with...thanks in advance for any advice I can use for my case.
    • Hi   I think you need to check not just the serial number but what Meter Point Reference Number (MPRN) as the MPRN is what is registered and energy supplier go off as well as the serial number.   So you need to see what the MPRN is as well as the energy supplier it is registered with.   If you look at this Ofgem link: https://www.ofgem.gov.uk/consumers/household-gas-and-electricity-guide/connections-and-moving-home/who-my-gas-or-electricity-supplier   In the above link to do this check it gives a link to:   Find My Supplier: https://www.findmysupplier.energy/webapp/index.html (note you may have to complete a captcha, then input your postcode only and click find my address, when the list comes up click on your exact address, you will then see you actual MPRN and the energy supplier linked to your address)   With the above make sure and take the details of the MPRN and the Energy Supplier, better still take a screenshot/pdf the webpage.   Please let use know if on doing the above it matches your current supplier?  
    • I had exactly the same issues.   Grossly over estimated bills from January onwards.  Despite what they claim, they are effectively taking an interest free loan from their customer base to keep the company in business.   They can dress it up how they like.  It’s irrelevant if they reconcile the bills the following month because they just over bill again thus keeping a rolling interest free loan.   it took two months of constant badgering to be finally moved to a fixed DD.   Once that was done I didn’t care how much they over-estimated by.   I had raised a query with the ombudsman over the billing fiasco and they readied a complaint should I wish to proceed.   I thought everything was sorted until May/June whereby I was allegedly more in debt then I was expecting to the tune of an extra months DD.   On querying it, it transpired that even though I was on a fixed monthly DD, because the bill was generated less than 5 days before the DD was due to be taken they didn’t take the DD.   They offered £5 compensation by way of apology but wanted to take two months DD in June.  I told them where to get off.   With appalling customer service,  bills that you need a Maths degree to follow, and I do have one and still struggled, inability to follow through on any agreements, constant gross over-estimation, the missed DD was the final straw and I proceeded with complaint to ombudsman.   Prior to getting to that stage I had to quote Symbio’s own complaints procedure to them to get any sort of response.   Their final offer to me was £25 goodwill and to waive an exit fee. The offer was derisory given the time it had taken to get things sorted and the continuing ineptitude.  Also, the whole thing has dragged on so long (5 months) I was already in the final 49 days of my contract and therefore there were no exit fees to pay and therefore nothing to waive.   Anyway, upshot is, ombudsman found in my favour.  Ordered an apology and a goodwill payment. Symbio appealed but were told the decision stood.   This week I received the goodwill payment.   I promptly left an honest and truthful review on trustpilot.   The next morning I received an email from Symbio with an apology.   This was followed an hour later with an email from trustpilot saying Symbio had replied to the review.  On reading the response they have accused me of not following procedure and of cyber bullying.   The company is a complete joke.
    • why not simply tell you supplier they have the wrong meter number you been paying for usage , and ofcourse you can view this online too so its not as if you'll owe anything you might get a nice surprise and find you are owed a refund.
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cex in swansea sold me faulty 2nd hand graphics card


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hi there ladies and gents ,

 

i recently purchased a 2nd hand 4 gig graphics card from cex in swansea for £150 , for my wifes birthday ,

 

she brought it home and then took her computer and her new graphics card to a local computer shop to have it installed correctly

 

with in a couple of days , her power supply unit in her computer blew up ,

we took it back the computer shop and they did a test on it ,

 

found out it was the graphics card i bought from cex in swansea ,

the owner of the computer shop then suggested leaving the card with him so he can do a overnight test on it , to see if it did the same to his computers in his shop , we left it there for 2 days

 

in that time , it had blown 2 of his power supply units to ,

he explained it was the graphics card at fault ,

 

we took it back to the shop in swansea ,

who then explained they would have to test it themselves ,

after 30 mins , the cex staff came back and told us everything was fine with it , and we were refused a refund ,

 

i explained that it was within 28 days and i was entitled to a refund under the "short time to reject" option ( consumer rights told me about that one)

they blatantly refused a refund and told me if i wish to sell it back to them , they would offer me £60 ,

no matter how many times i explained that it was faulty he refused to accept that ,

 

i am now in the process of getting a letter written up by the computer repair shop with proof that it is faulty ,

is there a template available i can send to them demanding a refund

 

, i have also put in for a chargeback on my card via my bank in regards to this as well ,

i just want to have all my bases covered when i go at them again ,

 

i was also informed by consumer rights that i could claim consequential losses in regards to having to replace the psu unit in my wifes computer as well because of this .

 

any help would be appreciated

 

badboy09 :)

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What the power of the psu unit your suggesting its blown?

Not all psu units are equal.

You need to do some maths to find out usage/ demands.

 

I can understand your story but the thing that niggles me s the shop you left it to be tested In claim its blown two psu's and I find that hard to believe.

The shop Is down two units which they could of sold.

 

All the retailer has to do is hook it up and it works fine. Under strain the graphics card increases power needed therefore its necessary to know the output of your psu to know if its adequate to run all systems under strain.

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the psu that was in my wifes computer was a 750 watt , and the only thing my wife ever does on her computer is browse the internet and play guild wars 2 , which should be enough , the owner of the computer shop is a friend of mine and had offered to test it out on his computers ( he uses his computers fir bit mining )

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This Is what u need to do

1) total wattage. That'll tell you how much it'll put out CPU rails + all other outputs combined.

2) CPU wattage. Subtract that from the total wattage. That's how much is left for everything else.

3) On the label, under the 12v area, if it ONLY has one box with some (Volts x Amps = watts), then it's a single rail design. If it has two of those sections, it's a multi-rail design. And this is where you need to add up some stuff. Just some rough numbers:

 

a) About 50w for the motherboard itself. If you have other cards plugged in OTHER than the GPU, figure about 10w each for those (ie: extra NIC, etc).

b) about 10w for hard drives.

c) For the GPU, it has two 6pin connectors if I'm not mistaken, which means those are good for 75w each PLUS the 75w it can draw from the board. That means you're looking at potentially 225W of card. It might not actually -take- that much but you have to look worst case.

 

So - add up your usage for the CPU (rated TDP), your 12v usage (everything else), 50w MOBO, and 225w for the GPU (worst case) and it -should- (for ideal efficiency) be about 50-70% of your max PSU rated wattage.

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When you returned it did they demonstrate it working OK or did you just have to take their word for it? My concern is because it is 2nd hand and they may be trying to pass it off.

 

Who made the card originally?

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wow reading that just went right over my head lol, its the only graphics card in her tower , and she turns her pc off at night and she only plays her guild wars 2 game for a couple of hours a day , so im guessing it should be ideal for her gaming need

 

when she returned it they claimed to have done a stress test , all of 30 mins of it and provided no proof , just their word it was ok , it clearly looks like they are just passing it off , and it was a nvideo graphics card

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it came in a anti static bag in the incorrect box as they didnt have the correct box for some reason

 

Think you may have answered your own question. If they did a stress test then why not ask for the results?

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Except you wanted to know if it was in GOOD condition> many graphics cards switch on and show something on screen. it doesnt mean theyll actually run any game or work for more than 5 minutes.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Being 750 watt it should be able to handle the power consumption at around 50%. Motherboard, drives, cpu ,gsu etc so I'm thinking the graphics card is faulty, but normally the graphic card goes boom not the psu

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thats what i thought to begin with , then i took it down to the computer shop to see if that was the case , and it was confirmed it was the graphics card , i was under the impression that i should go out and buy a 1000 w psu just to be over safe , but now i dont think i should

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when she returned it they claimed to have done a stress test , all of 30 mins of it and provided no proof , just their word it was ok , it clearly looks like they are just passing it off , and it was a nvideo graphics card

 

30 mins is not long enough for a stress test , when I build systems its done overnight since you want to see temperatures and all sorts . as what the guy in your computer shop did . you cant get a full result in 30 mins

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exactly it was like arguing with a brick wall , im hoping my chargeback goes through just so i can walk back in the shop and tell them where to shove there faulty graphics card :)

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They know it was 2nd hand and it probably did that to the original owners PC too

 

I agree hit them with secondary costs too

Give them 14 days else you will seek legal advice toward issuing a county court claim without further notice

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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My main struggle is trying to understand how a faulty graphics card can blow a psu?? It doesn't make sense.

A faulty psu can damage a gpu. But the other way round is weird.

 

You need a professional test report on the gpu to take this further.

A basic stress test is achievable in 30 mins. Its a simple process. A full stress test would be done overnight however and is fat more complex.

 

How much did the second shop charge you for the test when they blew two psu's?

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My thoughts about it are that these are just buyers & sellers of 2nd hand equipment and don't think they have the knowhow on testing gear brought in. There are some very mixed reviews.

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i have also been advised to take it to pc world and ask them to do a stress test on it , to see what their outcome is ,

 

the second shop didnt charge me for the blown psu's as he does all my computer work and he offered this out of friendship ,

im assuming he had ome spare in stock and was happy to try them out ,

 

i dont know that much about the innards of pc's hence why i go to my computer guy :) ,

but yes i want to hit them where it hurts

 

i was polite the first time and tried explaining the situation which they blatantly mislead me it seems ,

i certainly wont be buying off these con artists again though

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I wouldnt say con artists,

a lot of small businesses are run by people who dont know about consumer contract law so they are just ignorant as to what they are obliged to do under the circumstances.

 

Have you tried returning goods to busnesses that run stores an Amazon and Ebay?

 

i would say that a very large number of them are clueless about what your rights and their responsibilities are.

 

write to them explaining everything in detail and include chapter and verse of consumer rights act and give them time to do something about it.

 

If they cant replace then a refund is what you want.

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i tried telling them till i was blue in the face and their only response was you can sell it back to us for £60 , so i told them where they can shove that offer i will be getting a full refund but ty for the idea of sending them consumer rights act and a letter .

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