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    • Different statements. One has “at 59 mph overtaking on the approach” and the other “it was overtaking on the approach and in ....... at 49 mph”. So not the same statement (same ethos, different sentence structure).   perhaps they chose that site for the officer because it is an accident hotspot, and they know people do dodgy overtakes (while speeding) there .....??  
    • 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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Targus

Argos Refuse To Issue A Cash Refund

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We have a store card with Argos - it's called an 'Argos Card', but just to be clear, it is NOT a credit card.  (The credit cards Argos offer are separate and different, and we don't have one of those).

 

We purchased a product from Argos in September this year.  The purchase was on the Argos store card, to which we then made repayments each month by direct debit from a bank account.

 

By November, the product was faulty.  At this point, there was still some of the balance owing.  Argos collected the product and took it back under warranty.  Argos were unable to offer a replacement item as they have stopped stocking it, and we decided not to purchase an alternative from Argos.

 

This is when the problems started.  Argos then refunded us (i.e. refunded our credit payments) to the Argos store card itself, rather than the bank account, and Argos refuse to issue a cash refund to us of the payments we made up to November.  They insist that the 'refund' must take the form of credit to the store card only, despite this being our money (paid for a faulty product that Argos have taken back).

 

My question is:

 

- Can we insist that Argos issue a store card refund to us in cash?

Edited by Targus

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surely if its on their card is there no mention of what happens to any outstanding credit should you wish to cancel it?

they cant just keep it...

 

 


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

 

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4 minutes ago, dx100uk said:

surely if its on their card is there no mention of what happens to any outstanding credit should you wish to cancel it?

they cant just keep it...

 

 

 

We will need to look at the terms and conditions, yes, but my understanding of the general law in this area (I may be wrong, as I'm not an expert) is that Argos must issue a cash refund if this is requested/insisted on.  But I would appreciate it if somebody who actually has knowledge of this can confirm one way or the other. 

 

Morally/ethically, it is a faulty product and we are asking Argos to repay what we paid for it under circumstances where replacement is not available.  This does seem reasonable, but is that the law?

Edited by Targus

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No expert but I would think that they have to refund back to the card to cover money laundering issues. That said, can't you cancel the card? That way, they will have to refund any outstanding credit balance back to your bank account that direct debits are taken from. Know it's a pain but possibly a solution?

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it's the only solution.

 

dx


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

 

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opps link didn't post 

its covered under the CRA they must refund to the source.


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

 

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This is just like vouchers and gift tokens.

If you tried to return it because you simply have changed your mind then I would say you would have to accept the credit back onto the card if that's what they insisted on. However, because the item is faulty and they are in breach of contract then I think you are entitled to the cash.


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As it is covered by a credit agreement you cant be in credit on the card so they ahve to refund the balance in cash ior to your bank account

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