Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Hi I’m new here so not sure if I’m posting in the right place!  Long story short I separated from my now ex husband 2 years ago he ran of and did the dirty after 20 years marriage 3 children and left me with a load of debt unfortunately all in my name £33,000 in total now being a single parent and only being able to work part time as my youngest has special needs  my income really is mainly from benefits  he receives dla high rate and full mobility because of his medical needs. Its a very big struggle especially trying to pay everything run a home and 3 children  going without all the time  added stress with debt collectors and now bailiffs for council tax, shop direct account and a parking fine hadn’t realised mobility badge had expired!  I’ve read loads of advice on here  and am considering filing bankruptcy  my question is can these bailiff debts be included in a bankruptcy or can they still chase me for the money.  I just can’t see a way out at all what I owe will take me years and years to pay back  life is so stressful 😢 thank you in advance for any advice given. sorry it’s a little long winded!   
    • Hello  Sorry if I’m posting in the wrong place. I got a bus lane fine that dates back to over 12 months ago however, I didn’t receive the original fine from the council. This is because I moved address and the DVLA didn’t update my address when I changed my log book. This has caused me other issues for example, I got a fine for not taxing my car. So I got the year old fine through the door which has now been passed to Jacobs and it’s now £180. I called them to advise it’s the first I heard of it but I will pay it in instalments. They bates something like £58 a month and I said I checked my outgoings and I can afford £37. They declined this so I said I’ll pay £37 every month anyhow. To date I have made 2 payments of £37 and was due to make another on Friday on payday. I’ve come home to a letter hand delivered saying removal within 24 hours and the balance is £336! I called Jacobs and they said although I’m making payments , they didn’t agree to the payment plan. I rang the guy that delivered the note and asked him if he’s going to break in and he said he didn’t say that.  The way I envisaged it going was to a judge and a judge would see it as unfair that I didn’t get the original £30 fine, I’m paying what I can afford. From what I’ve read they can’t force entry. I just don’t want to keep paying £37 and then the £336 keeps rising.  My friend has suggested that I pay off what is left of the £180 and speak to the council to see if they can ask Jacobs to back off now. Please help 
    • Also if anyone is interested, I originally applied for the loan via Ocean Finance, I chased them today for a copy of my original application form as I believe there may be discrepancies that I want to check. Please see the reply from Ocean Finance below. It seems that my documents and data are lost, the name Ocean Finance still exists so I have asked for details of their compliance officer      "Thank you for your email. You have requested information relating to a loan that we believe you had previously taken through Ocean Finance and Mortgages Limited.   Unfortunately we are unable to assist you further with your request as Intelligent Lending Limited (company number 04291279) which trades under the name Ocean and Ocean Finance, is a separate company to Ocean Finance and Mortgages Limited (company number 04892540).    Please be advised that in August 2012 Intelligent Lending Limited purchased the Ocean Finance brand from Ocean Finance and Mortgages Limited.  If you therefore took out your loan before this date it would have been through Ocean Finance and Mortgages Limited (company number 04892540) and not Intelligent Lending Limited.    Ocean Finance and Mortgages Limited has however ceased trading on 16th August 2016.    
    • Sorry, forgot to attach the PDF letter. Here it is:Notice to Instruct Solicitors_27JAN2020.pdf    
    • Hi CAG,   New correspondence received:  Notice of Intention to Instruct Solicitors.   I have attached the correspondence in PDF.  The letter is from TNC Collections.   They want payment in 7 days or they will instigate immediate legal proceedings against me.   Is this one last attempt at scare tactics?  Any response or action required by me at this stage?   Thanks
  • Our picks

England2018

Advice needed

Recommended Posts

Hi I purchased a slush machine for my dads food van, when ordering it said I will receive tracking details within 2 business day. However it has been over 4 business days and still I have not revived any details of delivery. I contacted the company (via email, as they do not have a phone number) and they said they will update me with tracking details as soon as they are available. 

 

Now I will wait a few more days as I understand it may be the courier who is taking long, but if I still do not receive any delivery details, is there anything I can do. 

 

Would CRA still apply as the machine was supposed to be used commercially in an food van, BUT I had purchased the machine for him and I am unemployed and paid from my own bank card. 

Share this post


Link to post
Share on other sites

You purchased it as a Consumer...so yes the  Consumer Rights Act applies.

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

now although it may be intended to be sold as a B2B contract the company has agreed to sell you this item as an individual using a personal bank account (and no VAT registration requirement) so it is covered by consumer rights legislation.

As for waiting, if they had really sent it they would have provided tracking detaisl so you knew it was the courier's fault it was late. The lack of tracking number= not sent yet

Share this post


Link to post
Share on other sites

Thanks for your information. You are correct. This morning out the blue I received the machine on a pallet. Upon inspection if packing I found it was a different machine (a cheaper version, completely differ make/model). I have contacted the company who have asked for pictures. I can confirm I didn't receive tracking information either. I have sent the pictures and am waiting a reply by email as they do not have a phone. Any help would be appreciated on what I should do.

Share this post


Link to post
Share on other sites

I have just had a reply (along with a separate email donating tracking details- even though the machine has already been delivered) which says I will be contacted by a courier to collect the machine, and that a refund will take me 5-10 days to receive, or I can wait the long for them to resend the correct machine. 

 

What would you you guys do considering the machine is cheapest by this company by about £200. Would you stick with them or pay the extra. 

 

I should also tell you that I asked to be compensated by way of some free slush cups and straws ect, however they posted their T&Cs which day they are not responsible for any losses so will not give any compensation.

Share this post


Link to post
Share on other sites

I appreciate the replies I have been given, buttt, am I in the wrong section of the forum as I don’t seem to be getting many replies here. Thanks

Share this post


Link to post
Share on other sites

Was the purchase online ?

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Yes, it was on their website. 

Share this post


Link to post
Share on other sites

Thread moved to Online Stores Forum.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Hi I have decided I don’t want to use this company, however they say a refund takes 5-10 working day, however as we don’t have much good weather I want to buy the machine form a more reputable seller ASAP, is there anything thing I can do to remains a quicker refund. The machine cost over a grand so I don’t have any spare money to be paying for both machines.

Share this post


Link to post
Share on other sites

You automatically get a 14-day ‘cooling-off period’ when you buy something you haven’t seen in person - unless it’s bespoke or made to measure.

The cooling-off period starts the day after you receive your order, and there doesn’t need to be anything wrong with the item for you to get a refund.

 

https://www.citizensadvice.org.uk/consumer/changed-your-mind/changing-your-mind-about-something-youve-bought/


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Hi, the machine got collected last Monday, however I have not received the refund and they have stopped responding to my emails. I paid with my card through PayPal. What should I do in order to proceed to get my refund. 

Share this post


Link to post
Share on other sites

you can do a chargeback ring your bank

 


..

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...