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    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • So a little update;   Of the 6 letters I sent 3 were acknowledged. One accepting £1/month for now and two from the same creditor trading under different names asking for full I&E which I haven't done.   In a moment of madness I managed to depsoit 5k to a gambling site I didn't have due to paypal's crazy policy of allowing payments which are to be collected by direct debit after a couple of days to gambling sites! Mad they allow this but this will show as a negative paypal balance (in a different account to the original "debt"). The first paypal -£5k account has been closed and passed to a DCA now. I have ignored them.   My council has appeared to have stepped up their collection efforts for £2.5k in alleged housing benefit overpayment from 2015/16. I have acknowledged their letters over the past 3 years each time by email but they rarely respond to my pleas. I truly think if there was overpayment then it was for less than half the amount they claim. At the time I didn't think I was being overpaid because I wasn't really working but I had stopped claiming JSA/ESA (and told them as much) but earned a couple of hundred pounds a month from sporadic work.   Also what I thought was a dormant debt from 2016 to Halifax has been actually sold ( to caboot? I think. Hard to keep track of everyone)   I've been getting phone calls daily but ignoring them for the most part. I did request all communication in writing in my original letters.   I feel incapable of dealing with these creditors and whilst initially I was feeling that I would be happy to just ignore all the letters (arreas, defaults and the like) and phone calls for an indefinite amount of time and  hope to make it 6 years to statute barred-ness and accept or defend any CCJ attempts that did arrive. I figured that avoiding these creditors for 3 months so far is 5% of the way there to statute barred! But I figre for these fairly sizeable amounts they probably won't all let it go and I will get some CCJ docs (never had to deal with that) However now my mood and thinking has changed.    I am looking again at insolvency. I'm over the DRO limit now so its BR or nothing. I was wondering why you said to not consider this and it would be stupid @dx100uk? Although shirking my debts/responsibilities it does seem like an "easy" way out at the moment. It would be so nice to know that what's done is done and to be able to draw a line in the sand and start again in a year or so and not have to avoid creditors or worry about what's coming next...   It certainly would help the environment what with the amount of letters that are arriving already(!) considering the first payment I missed was october/november (excluding the old halifax and council debts). I am exordinately stressed about it now even though I thought I would be already . Any advice would be great if it was to get my head out of the sand and contact people/do the ignoring thing and seeing what happens/reasons  to do or not to do bankruptcy for these unsecured debts?   Thanks      
    • Hi everybody   Had a knock on my door and was confronted by either a Bailiff or enforcement agent (not sure about the specific job title). When I opened the door he stuck his foot in so I couldn't close the door. I was video taping him so I took a few steps backward (to get him in shot) and he just fully entered the property despite me saying that I was denying him entry and he refused to leave thereafter.   Turns out that he was there to collect a court issued fine. I think from a Magistrates Court. He worked for this outfit:   www.marstonholdings.co.uk   The reason for the fine was something to do with "driving without car insurance". Now I had a cheap car a few years ago but it broke down and would cost more to fix than it was actually worth. So I sold the car for scrap and cancelled the insurance. Turns out you have to inform the DVLA when you scrap a car and them that it is no longer on the road (I was unaware). So this was the circumstances of the visit.   My question is did he have the lawful right to enter the property? I always thought these people were like vampires i.e. they can only come in if you invite them in.   tia Bear  
    • oppss again then if its the same person.   knows the road well so should know what the speeds are and where they apply..      
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Tony P

No full facilities for checking size yet refuse refund.

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Passing through UK for a ski holiday, I tried on some ski pants in a High Street sports clothing and footwear chain store.


The size was "Medium". They fitted me well in street shoes except for length (Ski boots require a different length than you can determine in street shoes, having elasticated inner, and protected outer, bottoms). I could not check for exact suitable length as they didn't have ski boots in their ski or footwear sections in the store


I paid for them with a UK Credit Card and took them back to where I was staying, to try on again with a pair of ski boots, fully expecting to get my money back if they were unsuitable. 


They turned out to still be an incorrect length for me, so were unsuitable (I am not an unusual size or shape).


Within hours I took them back the store but they refused a refund offering only a Credit Note to exchange for other goods. I live nearly 2,000 miles away, outside the EU, in a country where this shop has no stores (the nearest is still a days drive away and involves a long border crossing). This is not practical just to see if they have something I might like - and fits!


Speaking with them I got no response other than disinterestedly being shown to one of many pieces of paper 'sellotaped' to a sales counter. Emailing Customer Services (sic) also got nowhere.


How can I proceed?

1. Do I have to keep the pants (or an unpractical and unwanted Credit Note) despite not being fit for purpose for me, all because the store didn't have proper/full facilities to trying for size?

2. Can I make it the Bank/Credit Card's problem?

3. Have I just learned the hard way not to trust UK High Street chain stores and shop elsewhere where they have proper size checking facilities prior to paying to take them out of the shop?



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ring the credit card company they are equally liable

do a section 75 refund




please don't hit Quote...just type we know what we said earlier..


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Oh they are equally liable, I suspect the problem will be if the shop is considered to breach their contract of sale. 


Suitable for purpose?




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6 minutes ago, Dodgeball said:

Suitable for purpose?


Probably - for someone who is of that size. I've not had the opportunity to find out because the size was not right for length.


Which is something the Company could not let me determine in their store.


The only way was to pay to be able to take them away to try on properly.

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Store returns or exchange policy

The good news is that most retailers choose to provide a 'goodwill' returns policy offering an exchange, refund or credit note for most returns.

You can only return store-bought non-faulty goods for an exchange or refund if the retailer has a returns policy. 

It's worth noting that shops aren't required by law to have a returns policy, but if they do have one they must stick to it.

Returns policies are usually displayed on receipts, on signs in store and online. You can also ring the shop's customer services line to find out its returns policy.

Remember that if you're trying to return an unwanted item purchased online, you have additional statutory rights to return it under the Consumer Contracts Regulations

Most retailers impose time limits for returning non-faulty products, such as 28 days, but many extend around Christmas for example, so you might have more time than you think to return an unwanted product.

If you paid by credit card, you also have extra protection under Section 75 of the Consumer Credit Act. 



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Could you not have just exchanged them for a pair that were the correct size?

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they offered an exchange when you took them back. that is all they are obliged to do as you admit you tried them on and they are of mrechantable quality and fit for purpose unless the different fitting with a ski boot makes them unusable as ski pants generally.

have you ever bought other ski pats and if so why didnt you consider the differentails in length earlier? 

Have you requested an exchange?

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