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    • Can anyone help me. I am stuffed.    PayPal allowed me to deposit £4.4k into a gambling website when I had no cash in my bank.    It was the final straw and so I came clean with the wife and joined GA.    I didn't even think to search on the internet, despite how wrong Paypal's actions seemed to me.   This was a few weeks ago and I suffer with depression and anxiety, so all of this just crushed me.   I wake up every day and literally beat myself up.   After a lot of intervention and love I am able to lift my head out of the sand and address what has happened.    Here's the issue:  My wife was getting texts from Nationwide daily saying '£1,700 is due out of your account tomorrow' and so she found the money, and transferred it in.    We took on debt of £3k and Paypal have managed to get their hands on c£4k.    My Paypal balance is now -£420.   I initially posted this in the wrong place and dx kindly offered some advice.    yes I would get all the payments back from NW under chargeback and remove that account as a payment method to PP as well as you say via CPA..   I am not embarrassed to say that I don't understand how this works and the call to the bank is filling me with dread.    What do I need to say to the bank when requesting a charge back? Does this fall under unauthorised transactions?   PayPal aren't letting me remove the bank as a payment method atm.   Trying to not get my hopes up as this would be so huge for me and my family.    Truly grateful for any help.    Pierre  
    • Thank you so much for the reply and apologies for swearing. Will start a new topic.   Pierre
    • you need to create a new topic of your own please   hit create in the top red banner. please don't swear either..post above edited.   yes I would get all the payments back from NW under chargeback and remove that account as a payment method to PP as well as you say via CPA..   dx  
    • Can anyone help me. I am stuffed because of this exact thing.   I was allowed to deposit £4.4k into a gambling website when I had no cash in my bank.    It was the final straw and so I came clean with the wife and joined GA.    I didn't even think to search on the internet, despite how wrong Paypal's actions seemed to me.   This was a few weeks ago and I suffer with depression and anxiety, so all of this just crushed me.   I wake up every day and literally beat myself up.   After a lot of intervention and love I am able to lift my head out of the sand and address what has happened.    Here's the issue:  My wife was getting texts from Nationwide daily saying '£1,700 is due out of your account tomorrow' and so she found the money, and transferred it in.    We took on debt of £3k and Paypal have managed to get their hands on c£4k.    My Paypal balance is now -£420.   Nationwide are closed now I will call in the morning to cancel the CPA / DD.   Do I log a fraudulent payment claim against all of this? Or do I not have a leg to stand on now that I have paid? Should I contact the financial ombudsman?    Any advice would be appreciated.   I have payday loan repayments of £1,800 a month atm. and £4k would clear the majority of that debt... I have a 7 month old daughter and my Wife is on maternity etc. etc.   Suffice to say that the situation is dire.    Thanks if you read this far.   Pierre        
    • ring the clerk  ask what was wrong.   I think I know but not sure.   dx  
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
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    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
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    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
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      Do you have a mortage arears claim to make? Then post your story on the forum here
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hazeleyes68

Local Appliance Rentals threatening Repossession Of Rental Goods

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Can anyone advise me please .

 

I have had a 3 seater and 2 seater sofas off a rent to buy company called Local Appliance Rentals ,

payments £15 a week ,

 

now due to a change in financial circumstances have fallen behind by 5 weeks ,

have had no letters of arrears ,

just an undated card put through my door which i seen last Friday morning giving me 5 days to pay ,

tried to borrow money ,but no success.

 

Today a letter been put through my letterbox by hand headed REPOSSESSIONS OF YOUR RENTAL GOODS ,

 

stating after repeated attempts to contact me it appears i have no intention of paying or honouring my rental agreement and are now required by law to give me 30 days notice of collection of my sofas ,will be at my house in 30 days time .

 

Can they enter without a warrant ?

can they refuse a reduced amount monthly ?

 

also i suffer severe depression,

anxiety,

 

which I have lots of evidence of ,

 

any advise please.

I have only had them for about 4 months over a 2 year term

 

Thank you

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might be best to voluntarily hand them back

as long as you are not made liable for the outstanding finance.

 

most of these companies charge insurance for exactly these scenarios

 

have a look at their t&C's on their website to see what they say.

 

are these the only items you've ever had from them?

 

dx


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god their T&C's are almost draconian..bordering on unenforceable under the Consumer credit act IMHO.

 

 

dx


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Hi ,

Thank you very much for your reply .

Its a 52 week term , £30 a fortnight .

 

I have only paid £230 off to date ,suite is £780

 

god their T&C's are almost draconian..bordering on unenforceable under the Consumer credit act IMHO

 

might be best to voluntarily hand them back

as long as you are not made liable for the outstanding finance.

 

most of these companies charge insurance for exactly these scenarios

 

have a look at their t&C's on their website to see what they say.

 

are these the only items you've ever had from them?

 

dx

 

Hi again dx yes only goods I have had off them .x

 

 

what do you mean by this:

god their T&C's are almost draconian..bordering on unenforceable under the consumer creditlink3.gifact IMHO.

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I doubt they are legally enforceable

they are crap...reads like the Victorian workhouse rules


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would be good to put that t & C in front of a judge

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Sorry to be a pain again dx I cant seem to find their t&c's :|

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what so you signed up

didn't bother reading them

they would by law have to give you a copy.

 

 

If it is this outfit: http://www.localappliancerentals.co.uk

 

The T&Cs are here:

http://www.localappliancerentals.co.uk/terms-conditions/


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Hi ,

I offered a lower payment to this company of what I can afford per month ,

the company insistent I phoned them to do a variation order as it could not be done in writing .

 

I telephoned to be told the company want me to take the £230 I've paid to go and find another suite and they can remove my sofas as they not happy to do the variation order .

 

Yet yesterday and today they have still attempted to take money out of my bank as per contract amount of £30 fortnightly.

 

They suggest they are not happy to do a variation due to my past payment history ,which is missing the £30 fortnight ,which I can't afford .

 

I have looked already on a few selling pages but no suites that low in price ,plus I would have to rent a van to collect .

 

This company have made my anxiety go through the roof .

 

I'm worrying sick .

 

Can they refuse £5 a week ?

 

Thank you

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stop ringing writing only

py them what you can when you can.

don't forget

they are not bailiffs so don't give in


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

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stop ringing writing only

py them what you can when you can.

don't forget

they are not bailiffs so don't give in

Thank you very much for your advise

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Thank you very much for your advise

 

Hi Dx

I did as advised and have only communicated in writing ,I offered £5 a week , and told them that I did not want the sofas removed as I would be without sofas to sit on .I did look on gum tree etc ,but none on there cheap enough and that could be delivered free ,so I would also have had to hire a van

 

This is the reply I have now had.Is this information sent back to me lawful with rent to buy goods please ?

 

As you have declined our offer to cancel your contract and have the money you paid out on the rental item refunded, we will accept your offer of £5 per week as part of the hardship variation course.

 

We can only accept this offer for a period of three months maximum from today’s date, Wednesday 25th October, to allow you time to sort your finances.

If you do not believe that you will be able to revert to full payments after this time, please let us know now, as the best alternative would be to cancel your contract as you are unable to afford the item and therefore they should be returned.

 

Once the contract goes back to full rental, you will be required to make the full payment of £30 per fortnight as per the rental agreement,

 

If you no longer make the required payments, as agreed in this email, than the branch will have no alternative to progress to repossession and default you. Which we are all trying to avoid, considering your emotional wellbeing.

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