Jump to content


  • Tweets

  • Posts

    • Update The engineer who's been looking at the van was unable to borrow a circuit board to do a temporary swap to test. His and Truma's recommendation was that I take the van to them as the fault it was displaying was something they'd not come across before. I rang Truma Friday morning and it was going to be the end of October before I could get an appointment. Then the engineer said that they'd had a cancellation that morning and if I got down to them immediately (a 40 mins journey for me) they'd look at it. They rang me late Friday afternoon and to cut to the point they may have fixed it, it's still on test there today, they'll let me know the outcome later. If it's not the circuit board which they've changed then it's another problem with the solar system on the van which is nothing to do with them. I've kept Marquis involved by email and phone. But because I've acted without giving them another chance to deal with the fault will I still have any claim or not ?  Thanks 
    • expecting civil replies instead of using adjectives and verbs like "shut up"
    • I have also emailed them this below      Can I please bring your attention to the Consumer Rights Act 2015 wherby it states my right to a refund I have highlighted the points where I feel you are failing in regards to this Act. Please refer this to you senior to be looked over immediately and I look forward to your reply    Thanks Kelly Gallimore Right to reject (1)The short-term right to reject is subject to section 22. (2)The final right to reject is subject to section 24. (3)The right to reject under section 19(6) is not limited by those sections. (4)Each of these rights entitles the consumer to reject the goods and treat the contract as at an end, subject to subsections (20) and (21). (5)The right is exercised if the consumer indicates to the trader that the consumer is rejecting the goods and treating the contract as at an end. (6)The indication may be something the consumer says or does, but it must be clear enough to be understood by the trader. (7)From the time when the right is exercised— (a)the trader has a duty to give the consumer a refund, subject to subsection (18), and (b)the consumer has a duty to make the goods available for collection by the trader or (if there is an agreement for the consumer to return rejected goods) to return them as agreed. (8)Whether or not the consumer has a duty to return the rejected goods, the trader must bear any reasonable costs of returning them, other than any costs incurred by the consumer in returning the goods in person to the place where the consumer took physical possession of them. (9)The consumer’s entitlement to receive a refund works as follows. (10)To the extent that the consumer paid money under the contract, the consumer is entitled to receive back the same amount of money. (11)To the extent that the consumer transferred anything else under the contract, the consumer is entitled to receive back the same amount of what the consumer transferred, unless subsection (12) applies. (12)To the extent that the consumer transferred under the contract something for which the same amount of the same thing cannot be substituted, the consumer is entitled to receive back in its original state whatever the consumer transferred. (13)If the contract is for the hire of goods, the entitlement to a refund extends only to anything paid or otherwise transferred for a period of hire that the consumer does not get because the contract is treated as at an end. (14)If the contract is a hire-purchase agreement or a conditional sales contract and the contract is treated as at an end before the whole of the price has been paid, the entitlement to a refund extends only to the part of the price paid. (15)A refund under this section must be given without undue delay, and in any event within 14 days beginning with the day on which the trader agrees that the consumer is entitled to a refund. (16)If the consumer paid money under the contract, the trader must give the refund using the same means of payment as the consumer used, unless the consumer expressly agrees otherwise. (17)The trader must not impose any fee on the consumer in respect of the refund. (18)There is no entitlement to receive a refund— (a)if none of subsections (10) to (12) applies, (b)to the extent that anything to which subsection (12) applies cannot be given back in its original state, or (c)where subsection (13) applies, to the extent that anything the consumer transferred under the contract cannot be divided so as to give back only the amount, or part of the amount, to which the consumer is entitled. (19)It may be open to a consumer to claim damages where there is no entitlement to receive a refund, or because of the limits of the entitlement, or instead of a refund. (20)Subsection (21) qualifies the application in relation to England and Wales and Northern Ireland of the rights mentioned in subsections (1) to (3) where— (a)the contract is a severable contract, (b)in relation to the final right to reject, the contract is a contract for the hire of goods, a hire-purchase agreement or a contract for transfer of goods, and (c)section 26(3) does not apply. (21)The consumer is entitled, depending on the terms of the contract and the circumstances of the case— (a)to reject the goods to which a severable obligation relates and treat that obligation as at an end (so that the entitlement to a refund relates only to what the consumer paid or transferred in relation to that obligation), or (b)to exercise any of the rights mentioned in subsections (1) to (3) in respect of the whole contract
    • V common problem for this car. Might be something small like EGR valve needs a clean, might be water pump, might just need a service. Might still be a very good car, just need to spend a little. Naturally you take them to court for the money you spend of course.
    • Public backs debt enforcement to support vital public services - survey | CIVEA View the full article
  • Our picks

    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 4 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • 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 .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

Recommended Posts

Hi sorry to jump in on this but been looking at this site and seen this thread and see about letters to send so can you please send me or give me links to the 2 pro-rata letters you say about as I cant see or open them. Also can anyone help in regards to owing paypal money have they got the right to chase me and claim it back

Link to post
Share on other sites

please create your own topic

by hitting create in the top red banner

 

dx

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites

Hi dx100uk ok sorry im new to this so I will create 1 for paypal but I see above you say about pro-rata letters so can you link me to them or send to me by email or something please ?

 

Link to post
Share on other sites

create a topic too for the debts you need the pro rata letters for too.

 

dx

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites

Hi dx100uk sorry to bother you again but only now come back to this due to family issues. You say to create my own by hitting create button however it open a drop down menu with only a few things im able to click on so what do I click on to create 1 a problem with debts plus 2 a negative balance with paypal that wasn't my fault. Sorry but new to all this

Link to post
Share on other sites

i have create your own thread (this one)

please post here now

 

tell us your story

 

 

 

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites

Help & Advice wanted on PayPal debt please

 

I had someone staying with me for a while before they moved away and they had access to my PayPal account and was buying a few things and giving me the money no problem but then unknown to me until it was too late they had a gambling problem also and last off used my PayPal to fund online gambling .

They ended up using £5,000 through PayPal.

 

the first I knew was when I went to do some online banking and seen £1200 went out of my bank for PayPal

I looked straightaway and stopped / cancelled my bank letting PayPal take from my account .

 

I logged on to PayPal and seen transactions 1 after another

this going to total the £5,000

I unlinked my bank & cards from PayPal account .

 

Then nearly 2 weeks after I started getting emails and messages saying my account was in negative balance for £3,800 because they already had the £1200 .

 

I’m in a bit of debt anyway and struggling so for this to happen left me feeling very ill to find they have spent thousands and left me without anything no money to live on or feed family even at the time as that £1200 that was taken out of my account was all I had,

 

I’m very annoyed and feeling very mad and very ill.

Ive no idea how I can put this right as got no work no money because My wife got struck down with illness and disabled and I also have special needs daughter so I’m now a full time carer for both wife and daughter .

 

I need to sort this but dont know how or best way to go about it.

Ive had emails from PayPal and ive replied and explained plus went on live chat etc and asked for it to be logged and for them to please come to some payment agreement even though I cant afford it

I know I got to put things right somehow but had no joy in chat and was just told pay into PayPal what I owe.

 

again I get emails and I reply but not getting any reply back to my emails .

Ive not told my ill disabled wife about this right now as it would push her over the top and make her more ill thinking about it and its her Nephew to top things off so I know it would destroy her .

 

Ive tried talking to someone with PayPal in live chat etc and emails as said asked if it can be logged showing

ive been in touch regarding this matter and need to try sort it and also asked for them to contact me in writing so hopefully we can come to some sort of agreement to put this right

 

so far its been about 31 days now since account been in negative and ive had no phone calls or letters from them yet

what can I do and whats best way to deal with this

 

I’m trying to pursue the person for these funds as we speak but know I’m not going to get anywhere

 

I have debts of my own and will sort another advice separate for them as now I’m not working and a full time carer for wife & daughter

 

I’m struggling to pay them so will want advice on letters to send them for reduced payments etc

But for now I need to know what to do about PayPal as its really making me worry and is making me ill but ive got to try be strong and put on brave face for wife & daughter I dont want them picking up on something is wrong & worrying me

Link to post
Share on other sites

PayPal, ignore them, don’t contact them, nothing they can do . Won’t even appear on your credit file

 

Other debts? Your wife Ill and disabled? Start a. We thread on each I’ll help you get them of your back. Don’t worry!

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

Link to post
Share on other sites

Yes wife was hair dresser she started getting ill and all her joints etc hurting and pain all over her body and so on

after long tests she was told its Fibromyalgia

well they have been treating her and meds etc but it just got worse and worse to the point some days she cant move or turn over and

 

its attacked all her joints and nerve system plus started calcifying bones resulting in 2 operations already to shave bone joints in shoulders but just getting worse and my daughter is special needs so now I care for both 24/7 .

 

you say do nothing with paypal but im really worried about it.

I will sort out and list other debts later when get more time and hopefully get advice on best way to send them letters etc and hopefully get payments reduced

Link to post
Share on other sites

FM is nasty, I got a friend with that! Don’t worry about PayPal. Don’t speak to them, don’t email them. Don’t pay them.

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

Link to post
Share on other sites

wont paypal keep hounding me or even sell the dept on to others to hound me ? Been trying with family & nephew to sort this but they cant he gambled everything so no chance me getting it and now im left with it to deal with

Link to post
Share on other sites

PP are in Luxembourg, they ran away there to avoid £b's in uk back taxes ...

there is nothing they can do to you.

 

shame you cant get that £1200 back they already snafued 

 

 

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites

I’m still thinking about this PayPal but only because ive been reading other forums and them saying that PayPal sells the debt to other companies and then they chase you for it .

 

Here are the other debts I have below and I’m still paying them all but now really struggling with it as I’m now full carer and no tidy income. None of these have I failed to pay yet to date and ive never been to court or anything and no criminal record ive always been clean & tidy and always paid things without fail but due to circumstances already said about ive now got deeper in owing more and just really struggling now and cant afford all the payments I’m paying plus then all the interest that keeps going back on them.

 

Nationwide building society credit card  £4,400

Nationwide building society overdraft £345

Capital 1  £2,594

Argos credit/store card £1,904

 

the wife also has

 

Nationwide credit card £1,600

Argos credit/store card  £1,875

Capital 1  £1,280

 

Its the Nationwide bank I’m really wanting to keep sweet as ive been with them since I was like 17 and I’m 50 now plus I use it for all direct debits and car insurance / life insurance etc etc plus I rely on the overdraft from month to month. 

 

Link to post
Share on other sites

i would suggest you look at the dates of posts on those other forums

paypal do not sell debts and even if they do, there is stuff and all any debts buyer could do yo you in the UK.

forget it, or even better go complaint to your bank and tell them paypal did not advise you £1200 would come out of your a/c, which they should do, and that it was the result of fraud. you don't have to tell them any details.

 

as for the rest of your debts..

 

debt IS NOT A CRIMINAL OFFENCE IN THE UK..where the beep did you get that from!!

 

pers i'd be opening a parachute account and getting asll your income paid into that so NO-ONE can get their hands on it.

cause NW are just about to introduce 40% OD int rate and they will forever be draining you of money

 

get OUT NOW from them.

 

dx

 

 

 

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites

Ok thanks

in regards to all the debts whats my best way to go about them and trying to get low payments and interest stopped on them for now

 

In regards to opening parachute account 

I do have another account sorry that most income is now paid into but its also with nationwide plus

I cant have direct debits or anything going out from that as its just standard account

so I got to transfer money to other nationwide account to pay bills

Link to post
Share on other sites

go open a parachute account with ANOTHER BANK co-op post office etc all have online sign up

get ALL you income paid into an account NOT owned by nationwide

then forget about them.

 

its YOUR MONEY YOUR INCOME.

you CONTROL who gets it and WHEN

 

and if thats £1PCM then so be it.

 

get this account up and running

get your benefits moved to it and any other income, cut of ALL income going directly to NW.

them we'll deal with the pro rata letter which are in the debt collection section of our library.

 

as for you DD's, pers i'd cancel them all via the nationwide website

and then set them up again

or simply use BACS faster payment on your new bank account.

 

i've had NO DD's for over over 10yrs now, i use bacs

 

 

 

 

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites

Some good advice, no need to worry. Hard times for many at the moment. 

 

 

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

Link to post
Share on other sites

Ok I cant find pro rata letter and dont knowhow to get to the debt collection section of our library .

Id like to send letters and see if I can get low monthly payments for now or am I better off looking at a way to get them cleared like see some saying about going bankrupt or apply to courts to get them wrote off or something

 

I dont fully understand best ways to go about things and dont want it all going down against me and effecting my credit etc as I know some say you cant get car insurance on monthly basis or mobile phone contract etc if goes down on credit score and I need car insurance of course with disabled family I cant not be without car

Link to post
Share on other sites

Oh God , stop jumping straight to the world war 3 scenario.

 

You are 50 million miles away from bankrupcy or courts. Please listen to advice.

 

 

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

Link to post
Share on other sites

whatever you do, let's make it clear....

you will get defaults on your credit file that will most probably make credit more difficult to get.

but going BK or whatever just like the above kills your score for 6yrs too, and gets defaults registered for 6yrss and has the added problem of a record you went BK  there too.

 

better to use the pro rata route IMHO.

 

you have a house and assets so DRO is no good to you.?

 

 

 

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites

ok thanks so where are the pro rata forms so I can start sorting and sending to each to get the ball rolling. Also sorry should have said i dont own my home im renting from housing association

Link to post
Share on other sites

the pro rata letter is already post above a few posts ago.

 

but if you've no assets

have a look at this link dro.

 

but forgetting the paypal debts...how much are you in debt? about £8k by your above list?

 

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites

Sorry I dont understand whats going on here I cant see find or open pro rata letter and in the message now you say look at this link but its not showing me any link to look at ??  Yes my debts are around 9k & about 4.5k in wifes . When you say no assets ive no savings or anything but what about things like my car worth around 2.5k and when my father passed away he left me his camper that I cant part with its worth about 4k also what about house contents like tv's etc and wifes jewellery and so on ??

Link to post
Share on other sites

Nobody is going to take anything away from you. End of!

 

Concentrate on caring for your family, it’s more important than a few thousand quids worth of unenforceable debt.

 

 

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

Link to post
Share on other sites

say i was going to write to all these about the debts and try get deal to reduce monthly payments and stop all interest

do I write to them first or do I stop payments then write to them ?

 

Same if I was going for a DRO do I just sort out and apply for that first or stop all payments then apply for it .

 

Also I see for a DRO it says ive got to go through  an authorised debt adviser

so who do i go to about this and at moment we still on lockdown here in wales and not many places open .

 

Last off ive asked regarding pro rata forms and still cant find any 

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...