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    • just to clarify my point look at page 5 the right hand side black line to the right of the sig box is missing that sig info has clearly been copied and pasted by lowells on to that set of t&c's and if you look at other vanquis card CCA returns here on cag for that same set of T&C there has never been that box there anyway   Exhibit_NA1_(1).pdf
    • > they keep piling on charges and CRS are now chasing me for over £100. My membership was/is £9.99 a month. > So....am I at fault? Do I need to pay? You are not at fault. It is entirely their fault for making this whole process so difficult, and I'd love to seem them argue otherwise against any British judge. Have you ever met any other company who makes it this difficult to cancel a subscription? Probably not! Because it's a (sort of) legal grey-area. You owe them nothing. In what world does it make sense to charge a customer £90 for cancelling their (£9.99/mo) membership less than a month early? What other reputable company would do this? Nobody. This is not legally enforceable!     X4L/Harlands/CRS/Zinc are all part of the same group, and they all have absolutely zero legal power over you. They are not bailiffs. Nothing will happen to your credit and nobody will show up at your door. They will never dare take you to court, because they know that they stand no chance, but they might try to scare you. Pay no attention to this. You might get a few annoying emails/texts/phone calls, but do not answer nor reply to any of these - if you do, you're just giving them more to feed on. These people prey on vulnerable people who get fooled into thinking they're in the wrong. Ignore any and all communication with these scumbags.   Feel free to check out similar threads from 2010-2016 about X4L/Harlands/CRS/Zinc on this forum, you'll notice that every OP stopped replying after so long because these cowboys gave up on trying to steal money from them after they realised that they wouldn't budge. Their whole business is based on stealing money from innocent people. You'll be fine! Good luck. Keep us updated!    
    • looks like you still paid for ppi. {£236.03}   unravelling the crap in the letter it looks like your can make a PPI reclaim directly to welcome even though they were not GISC regulated, they are saying the underwriters were, but they cant say whom they were, but from other threads here it should be easy to work that out if needs be    so you had a loan of £2269.44 of which 236.03 was PPI   so ppi/loan*100=ppi%   236.03/2269.44*100=10.4%   so anything you paid 10.4% of it was for ppi so statint sheet time      
    • bang shot yourself in the foot why did you mention PPI in the sar request?  
    • Thank you for your response Eric's Brother. I have been out of the country and was told about this on my return. It is not clear yet whether the Company have paid this PCN. They have a flawed policy of paying these and asking questions later, even deducting the money from the employees wages if they don't get a response from the employee within a certain time limit. They couldn't have got a response from my daughter as she too was away on holiday which is why she lent her car to my son. I'm not sure this policy is legal ?. Anyway, I'm getting sketchy information in dribs and drabs. My son was visiting Wrexham for a one off event so is unable to get pictures of the car park signage or the ticket machine. I will get the image supplied by Parking Eye and post it up on here. Sorry for the incomplete information so far, but that's what I'm getting. Kids eh ?...no sense of urgency.
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Costco CCTV system plus pro install issues

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Hi all, just looking for a bit of advice on my options. 


I bought a six-camera CCTV system from Costco online (I am a member but they only had the model I wanted online) back in January for £799. Then a month later on February I bought a professional installation package again from Costco but fulfilled (IE subcontracted) to a company called TSG for a further £399.


Both transactions paid for on a credit card, Visa (Barclaycard) to be exact. 


The system was set up and installed perfectly and everything was working well until a couple of weeks ago when one of the cameras stopped working. I checked the cable and tried it in different ports on the recorder unit but no joy so it’s likely to be either the cable or the camera. Thankfully out of the six cameras it’s the least important one in terms of the portion of my property it’s covering, but that’s not the point obviously. 


Called TSG to see if I could get someone back to investigate and they were very helpful but said I needed to raise it via Costco first, and then they’d be happy to send someone over once instructed by Costco. 


Have been through three calls and one email so far with Costco and will spare you the long version but basically they’re saying they can’t fix or replace and the only option is to return the whole system for a full refund. 


I’m aware they’re allowed to do this, that’s not my question, what I’d like to know relates to the installation. I can’t really de-install the system myself, that’s why I paid for professional installation. Am waiting to hear back about what Costco suggest with regards to that but what are my rights with that piece? The whole thing seems ridiculous for what is probably a damaged RJ45 / Ethernet cable which. TSG engineer will have as standard on his van and could probably run afresh in 25 mins.

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shame you paid fr the installation later as you would get that money back automatically as well.

have you spoken to the installation people and let them kmow that you are minded to do a chargeback under S75 of the CCA and no doubt that costco will be making a play to recover their losses from them? They might well have a spare camera and cable they can test in situ and then report back to Costco

Your contract was with costco so make them well aware you are going to recover all of your costs and if that includes paying soemone to take it all down then that will be part fo the bill.

I'm sure that someone higher up will make an executive decision to give you a partial refund ( cost of kit) and let you keep it as is. You need to find out who that person is who can make the decision, the CS people cant

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