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    • Hello i was hoping someone might be able to give me some advice please. It’s a bit complicated, but I’ve ended up with a claim form and I’m terrified.  I moved house two years ago. At my old address I was with npower. I lived there for 3 years. We had some financial issues and we were in arrears with npower, but we also were making some payments to them, as agreed with them. When we moved, I had health issues (problematic pregnancy)  and was in hospital a bit and I don’t straight away try to resolve the npower issues. I heard no more from them u til just over a year ago when I got a letter from William chapman solicitors, it was demanding over £4000 from us for npower. They said they’d sent me an incoming and outgoing letter which I hadn’t received, so they emailed me a copy, I sent it back to them and heard no more from them and didn’t chase them. I then received a letter before action a few weeks ago and I now have a claim form from them, dated 14th May. I don’t dispute that I owe npower some money, but I have no idea how the bill can possibly be as high as they’re saying. Even if I hadn’t paid at all for three years that would still be a high bill, but we did pay, even though I know there were arrears. I don’t know how to proceed at all. I can’t afford to pay them over £5000 which they now have the bill at, and I also can’t afford to get a ccj. I’d like to come up with a payment plan but they didn’t respond last time I sent them one. I’d really appreciate any advice please!  
    • what part of never use email did you not understand?
    • If they have refused it - Then you ignore them at this point. Nothing they can do 
    • Try this - https://www.resolver.co.uk/companies/british-airways-complaints
    • For the traffic enforcement centre, just ask to file an out of time witness statement - this is a standard form that they will have to hand for you and will email over.   Upon completion of the form, and recognition from the TEC that the form has been correctly filed, email the TEC's recognition to equita which will suspend any enforcement action.
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • 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/
      • 0 replies
    • 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.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
shoeshopper

Seller wants dog back

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I purchased a 2 and a half year old dog on Sunday from a seller who advertised it for sale because they felt he did not receive the time and attention he deserved and that they did not want to continue paying for dog walking costs.

 

We visited them and the dog and finally agreed that they would deliver him to my house on Sunday. They were sad to leave him but said it would be best for him. I have always had a dog in my life, my previous dog dying of old age (16) last year.

 

I paid the full asking price and got the seller to sign a receipt saying that the dog had been sold to me and was I good heath. I gave them a copy of this.

 

Yesterday I took him to vets for a check up and innoculations ( although the ad said theses were up to date the seller then said he had his puppy injections only) and to have the microchip scanned to register as the new owner.

 

All was going very well until 9.30pm yesterday when I received a call from the seller saying that they had changed their mind and want the dog back for a full refund.

 

I love the dog and am very happy with him. Do they have any rights over him now please?

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What a horrible position to be in, I don't envy you having to make such a decision as it's a bit of a no win situation as somebody is going to end up very upset whatever you decide.

 

I don't think the seller has any legal right to ask for the dog back and I believe you are entitled to refuse to return him.

 

If you were to perhaps consider returning him as a gesture of goodwill, you would be able to request a full refund of the purchase price plus anything else you had spent on the dog in the meantime, eg the vet's bill, food etc.


RMW

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yes agreed.


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In your position I think I would stick with it. The seller has already decided to part with the dog so can't be that serious about their ex-pet and it sounds as if the dog would be better with you.

 

 

HB


Illegitimi non carborundum

 

 

 

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Thank you so much for your all your advice.

 

I am going to stick with it as I feel that to go as far as advertising a dog for sale you really need to be absolutely 100% certain that you can part with him beforehand. You can’t give several excuses as to why you can’t keep him and then all of a sudden those reasons don’t apply.

 

He is already a much loved pet in my family and we will make sure he i very well looked after.

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Have you asked your vet surgery for advice? They may have seen this before.

 

 

HB


Illegitimi non carborundum

 

 

 

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I don’t think they want to get involved. They scanned his chip , put me down as the owner on his records and told me to contact the chip registry. When I changed the chip details today the registry say that I am now the registered owner and the previous owners will be contacted and if they object they will have to take legal advice.

 

I really just want to be sure that now I have purchased him, and have a receipt signed by the previous owner, I am now the owner.

 

If this is the case, as unfortunate as the situation is, I am willing to stick with it and keep him.

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That's a shame about the vet, but it's understandable.

 

 

Do you have legal cover with your house insurance?

 

 

HB


Illegitimi non carborundum

 

 

 

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That’s a good point actually. I might have , but I’m sure I’m covered with my union.

 

Thank you!

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Buying a second-hand dog is no different, from a contract law point of view, to buying a second-hand car or sofa or TV. They offered to sell, you agreed to buy at that price, you paid the money, you have a receipt confirming payment. Contract concluded, the dog is yours! They are no more entitled to change their mind now than they would have been if you'd bought their sofa.

 

I don't think you need lawyers involved at this point. Just reply, "Sorry, but no, it's our dog now and we don't want to sell".

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Hi,

 

Do you know how long they have had the dog.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Since he was a pup

 

Thanks,

 

Not that it makes much difference, I can't see how they could have the dog for this time then decide they can't look after it properly.

It is a difficult one, we have had dogs all our lives and would never dream of giving one up unless there was a very good reason.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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