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    • OK, another quick question. If a debt was in dispute can it be sold on? Thanks
    • So I have a Samsung 4k tv that I bought online from Curries/PCWorld - it is less than 6yrs old   Last year it developed a sound fault - when watching NowTV/ Netflix/ BBC iplayer and the like on the tv's built in apps or even just watching normal channels without the Vrigin Tivo box after sometime the sound starts to stutter and get stuck on a loop and does this really loud warping sound. I'll have to turn the tv off and on again to get rid of it   It doesn't happen all the time but when it does and its really annoying    I tried all the troubleshooting tips online and contacted Samsung who acknowledged the fault but was going to charge me a lot for a repair   I have also been emailing Curry's since April who've ignored all my emails. I finally, yesterday got the attention of their customer services on Twitter and explained the fault   They have since said:   ''I can see this item is out of warranty. With regards to out of warranty claims you have two options. The first is we can send this to be looked at for a £95 fee which is refundable on confirmation of a manufacturers fault and then the item will be fixed.   The second is you can get an independent engineer report detailing the fault and cause. We can book it on for a repair.   If we cannot fix it then we can offer a depreciated credit towards a replacement.''     Thoughts? I'm totally wasn't expecting them to say 'sure, here's a replacement' but being charged for it to be looked at is my issue here
    • Here's a top tip for superefficient catering – saves money – saves time, what's not to like?… Except that if you get it wrong then you're going to be eating it for a long time! Take a large lasagna dish – large enough for a people or six people – as large as you can get. Make your lasagna inside it. Stuff it right to the brim with all sorts of good things including the white sauce/cheese topping. Put it in the freezer. After about 2 1/2 hours, take it out of the freezer. It will started to form ice crystals and should be moderately solid. With a knife, cut through the Sanyo in the dish into for portions or three portions so that you have blocks of two portions each. Work the knife around the edge of the dish so that the site the lasagna is just slightly separated from the edge. But it back in the freezer. 2 1/2 hours later, take it out of the freezer again and put the knife into the pre-existing cuts and make sure that the cuts are still clear. The next day, take the fully frozen lasagna dish out of the freezer, and gently work the cup box of lasagna out, put them straight into freezing bags and into the freezer. Now any time you want lasagna for two, you simply take out a block, defrost it in a smallish lasagna dish and then put it in the oven as usual to heat up and brown on top. As I said in the opening sentence, if you made a mistake then you have a helluva lot of over-sorted/under-flavoured lasagna to get through. Of course you can do the same thing with shepherd's pie, fish pie, moussaka – any dish which is normally put together in this kind of baking dish.  
    • If you purchase with a credit card over £100 then you benefit from protection under section 75 Consumer Credit Act where the finance company effectively has the same liabilities as the retailer who sold you the product. Under £100, you don't get this protection. On the other hand, for purchases under £100 if you use your debit card then you get the benefit of the banks chargeback scheme which basically means that the bank will refund you. I don't understand why you have threaten the retail with the legal action and yet you have not carried out your threat. By doing this, the retailer has called your bluff and you have lost credibility. I think you have to decide whether you want to take this seriously. Please will you post up a copy of the threatening message which you sent to the retailer. Of course Hermes will always try to deflect responsibility on to anybody else – except themselves. Generally speaking when you are dealing with overseas retailers or Packlink – which is Spanish – then you would simply go straight against Hermes. They don't like telling people that they have third party rights under the 1999 act. You have to come here to find out about it. In this case, if the retailer is unwilling to produce the evidence of delivery then I would say that they become the prime target. Please post up the letter which you sent and we will go from there.
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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 .

Engage Credit Mortgage fees spreadsheet


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Hello all, been a CAG user, browser for years now. Fell into some mortgage arrears with my mortgage and they've applied numerous charges,fees etc. Is there a specific spreadsheet I can use to  calculate the full amount they have applied? I have looked and looked, but can't seem to find one. Am I also correct in saying you are  unable to reclaim solicitor's fees?

 

Best wishes all,

 

Ferg

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I would suspect engage are not the original creditor either

have you all the statements from day one?

 

it would be the CISHEET but you might find the statint sheet gives you more

 

but your 1st big hurdle will be them even agreeing to refund them.

there is a thread on the homepage of this very forum that details the process

 

 

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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Hi, 

 

Sorry for jumping onto the post, I'm looking to calculate mortgage arrears charges too but I cant find the spreadsheets for doing this, the new layout has me confused!  Any ideas?

 

Thanks :) 

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ppi forum

 

  • Like 1

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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  • 3 weeks later...

 

Thanks dx100uk. You are indeed correct, the original lender was Future Mortgages.

 

I have every statement, Engage sent me them without me even taking the statutory fee.

 

There's been communication between us, always in writing, 

and they haven't said no to any refund,

they've asked me to write to them with

'what I think the total amount of charges are ',

they also stated in their letter that Solicitors fees can't be considered. 

 

I've tried opening said spreadsheet, but I get a 404 error, I'll certainly try the other one though, thanks for the reply.

 

 I've had a look at the spreadsheets on page1 of CAG.

They all 'appear' to be related to PPI claims, 

I may just be missing something,

but could you point me in the right direction with regards the mortgage charges spreadsheet.

 

Thanks again, Ferg 

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right ones as post 2

just named PPI

READ the description of each one carefully.

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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if you've not got MSoffice then install open office as it describes you to do

404error is you've no suitable software installed on your machine which is??

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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