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    • agree with all that HB, but biden certainly didn't excel, and difficult as that is with a garbage spouter like the bean stain coloured Trump, it is what he needs to be able to not just handle - but show up as the spoiling garbage it is. Grown ups don't win by allowing spoiled children free reign in their tantrums.   Admittedly the host failed miserably, but Bidens preparedness was clearly sadly lacking.  
    • Good morning I've attached the reply I've received from Marquis in response to my letter of claim.I would like to add a few things that I consider important. I first reported the heater fault on August 3rd. That was the 42 day since purchase, but Marquis had had the van for 12 days so the clock stops as I understand it so it was the 30th day which means that the fault was present when it was sold. They had had one chance to repair and failed to investigate any further. I think the cost that they are refusing to pay are more than reasonable. An offer of a tank of diesel world have settled part of it.   And they are definitely not getting a copy of my bank statement   Although I am sure that I'm not obliged to use the Warranty provided I've been reading my Warranty document and it says it's administered by "A1 guarantee ltd "and they are who I should ring to make a claim.The email address to make a complaint is a "global ins" email. i find it very confusing as in the front of the schedule it says "This guarantee is a non-insured product, any obligation to repair your motorhome will be our sole responsibility. Should we cease to trade, then this product will no longer be valid"     Good Afternoon Mr Desnos    We have reviewed your case and I am happy to refund you the direct the costs received from Truma totalling £421.00, this can be paid directly in to your account. We would require a copy of your bank statement to include address, sort code/account number.    In relation to the additional costs as mentioned we did not authorise the independent mobile engineer this was undertaken directly by you, the offer to return the van was always there and with this in mind the terms of the global warranty were ignored. With regards to the visit to Truma this was also undertaken without authority from the global warranty agreement.    The fuel costs are not covered within the terms of the warranty and are strictly a back to base warranty with no provision for the costs incurred for travel.    As the vendor of the vehicle, we have certain legal obligations to you in particular under the consumer rights Act 2015, you are also under a legal obligation to take all reasonable steps to minimise amy costs or expenditure for which you intend to hold us responsible.   The vehicle was supplied to you with the benefit of a warranty which is being administered by Global. We respectfully suggested that the first such reasonable step would have been to arrange for the problem with your vehicle to be investigated and a claim submitted to the warranty company as previously suggested by Marquis South Yorkshire. Having declined to so you cannot seek to recover this costs.    Please confirm your bank details and a copy of your bank statement so that I can duly process the payments agreed. Also a copy of your driver’s licence for proof to process money.    Yours sincerely    
    • We believe this firm has been providing financial services or products in the UK without our authorisation. Find out why to be especially wary of dealing with this unauthorised firm and how to protect yourself from scammers. View the full article
    • We believe this firm has been providing financial services or products in the UK without our authorisation. Find out why to be especially wary of dealing with this unauthorised firm and how to protect yourself from scammers. View the full article
    • Those are very valid questions. I wouldn't want to sign either.   I suppose a way to find out how it works in practice is to ring a couple of lenders who offer equity release and ask them the question.   A couple we know took an equity release plan and it was quite heavily regulated back then. They had to involve and adviser to go through all the ramifications with them or the lender wouldn't have accepted the application. I don't know if that still applies.
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    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
      I’m literally at the end of my tether and don’t know where to turn next !
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

2x santander debts now Westcot (ex DMP)

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I have two ex Santander debts - £4k loan / £1400 cc which were in a Step Change DMP that ended in 2016. These debts are now being chased by Westcot.

I received a letter for one of the debts on Saturday, and today Westcot have started calling me. I have not responded yet. I am aware of how aggressive Westcot are, Ive had previous dealings with them.


The debts themselves are from around 2011. The letter from Westcot states they are looking for an 'affordable' payment plan. No mention of court has been stipulated yet. I really do not want to have to deal with Westcot again, as they made my life a misery last time. They have given me 10 days to respond.

Would it be better to write to Santander instead? Or should I request that Westcot send me proof they can chase the debt?

Many thanks in advance for any help.


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The Step Change came to an end after a year. They didnt tell me that would happen when I set it up and I didnt realise for a few months that payments were not going out anymore. After that I was in and out of the country trying to keep everything afloat money wise so I did neglect to carry on sorting stuff out.

If I write direct to Santander now would I still be able to negotiate a low monthly payment. Things are still precarious cash wise.


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Is that correct? Westcot dont buy debts and dont issue court orders? They are very aggressive with many calls a day and letter after letter in the post. I have blocked their number. The letter did say they were' instructed by their client,' which was backed up by a letter for each debt from Santander.

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Dont buy debts and dont issue court orders... Full Stop... Had that confirmed to me in writing recently when I asked them there stance on a case I was dealing with...

They are very much like a dog after food... Seriously - Stop worrying...


If the calls are doing your head in - Send them a letter asking them to stop and in writing only. All you have to say - You are contacting me on this number... Writing only.


We could do with some help from you.


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Receptaculum Ignis


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With Stepchange after 12 months they will ask you to complete a current income and expenditure form and they will then tell you what disposable income will go towards paying of your debt.However you can run your own payment plan with Santander. Before this, tell us when did you take out the Loan and the credit card,how long ago?


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