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    • Hi I have received not one but three of the same PAP letters (just different amounts and details) from Moriarty Law, allegedly for three different ADCB credit cards taken out in UAE in 2009 for a total debt they claim is now almost 200,000 pounds across the three accounts.  I think I may have had one credit card from them, but there was nowhere near that amount outstanding, if anything, when I left the UAE for good on September 30, 2010. There is a difference with my case, however and I need some advice.  I have lived in Hong Kong since 2012 (I am a permanent resident there) and the letters have been sent to my elderly mother's address, which is where my UK bank account is registered, and have been forwarded to me. Though they are dated August 20 and 21 I only received them yesterday. There are also two follow-up "Final demand before proceedings letter" both dated September 8. In previous years there have only been various DCA letters sent which have all been ignored My queries are this: 1. What would happens if the letters were returned with a note that this person is "no longer lives at this address" - moved abroad” 2. Or should I return the PAP reply form anyway as set out on this forum but with no address on it (it might confuse them with a Hong Kong stamp on the envelope I guess) 3. If I do that, should I send the three forms separately or together? 4. Should I return it saying I have left the country adn not to send any more correspondece to my old address? 5 Or is there any other advice you can give.  I am not sure if I reveal that I am in Hong Kong that could stop UK proceedings, could I have a CCJ in absentia and could it be enforced, or whether could chase me for it in Hong Kong which has a similar statue of limitation law to UK? Thanks for any speedy advice. Time is short because it takes four or five days for post to get between UK and HK.        
    • A step by step guide on how to use the Armed Forces Pension Calculator     READ MORE HERE: https://www.gov.uk/government/publications/a-step-by-step-guide-on-how-to-use-the-armed-forces-pension-calculator
    • Hi   Repair and Support Plan states: If your product goes wrong after the 3rd Repair, you can request a replacement.(The faults must be mechanical they say e.g Hard Drive as opposed to physical/accidental to qualify for replacement/vouchers).   My Laptop has had 4 Hard Drive replacements. They are attempting to claim that a corner being missing when the laptop went in for repair over rides Hard Drive Failure and are therefore claiming my laptop has had only 3 repairs.   Also Well fix in 7 days or replacement-1 of the repairs took almost a month. Ive refused delivery of my `fixed` laptop now for 3 months while arguing to and fro with them that they have breached the support plan and I want replacement vouchers.They are now charging me £50 to store my laptop and are going to dispose of it in 6 days if I dont contact them. Been through usual channels..Consumer advice... just found out they wont participate in ADR. I loathe this company they are a disgrace. Ive paid A support Plan £11 per month for over 8 years. Im aware how bad they are and how many people they have shafted. Anyone any idea where I stand ..what I do?I dont want them to get away with broaching the policy as well as binning my laptop.Im left with nothing.    
    • So it is...... ...but has yet to be determined by a Judge...who would no doubt decide that  Bailey had the use of the vehicle  during the term of the agreement and therefore benefited.   Too risky....I would be happy with this result and leave it at that. 
    • If the claim is private individual against business, the case should be heard in your local court. Did you buy the dress under a business name or your own individual name?
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Angry123445

WOW Camera- faulty new Iphone not refunded or substituted

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HI All,

 

I need some advise. I have purchased a new iPhone from Wow Camera https://www.wowcamera.com/ on 17th January, the phone was received on 23rd January.

Managed to syncronised with my iTunes and then phone started switching off every minute or so. Called Apple who said to either have a new software installed in an Apple shop by they would recommend to have the phone changed.

 

Sent the phone back to Wow Camera without wiping the phone clean as couldn't as phone was switching off, my info were anyway protected by the pin code. Apple said this was ok as reseller can overwrite the phone bypassing the pin code. Wow camera has initially asked me access PIN of the phone which would give them access to all my emails message and so on. is now taking very long time to provide a new phone and or refunding the money as they say the phone as it is is just a piece of plastic.

 

They refusing to call apple to have information on how to wipe the phone. I am stuck with no phone, missing £720 and a lot of frustration. Please can you advise on my next step?

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Yes, send them a letter before action.

 

Under the consumer rights act you are entitled to reject an item which you purchase and which manifests a defect within the first 30 days. It is called the short-term right to reject.

 

You have to assert this right and in order to do so you have to let them know – best in writing. Write them a recorded delivery letter and tell them that as they know, your telephone is defective and you are now asserting your short-term right to reject and you want a refund. Tell them that they are normally required to provide you with a refund within seven days. Tell them that this is a letter of claim and that you will see them within 14 days if the matter is not completely resolved.

 

Only send this letter if you are prepared to take this action. It is extremely easy and on the basis of what you say your chances of success are much better than 95%. If you are lucky they will put their hands up and pay you out quickly – but you may find that you have got to issue the action. If you do have to issue the papers then you will be up to recover the cost of your phone, plus the cost associated with returning it – if any plus your court fees plus interest.

 

Don't worry about all there business about unlocking the data blah blah blah. The item is defective and they have to accept it as it is.

 

If you want to do this then send the letter and then come back here and we will help you through the next step. Don't accept any excuses. Don't get drawn into protracted correspondence


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By the way, how did you pay them?


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by credit Card, should I go back to the credit card company?

Earlier this morning I sent an email to the company saying I would take action if they don't come back to me by 2pm today UK time.

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You are required to give them 14 days notice before taking a legal action.

 

Yes you should involve the credit card company as well.


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