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    • Hi Thankyou for your response    yes it is ! I sent of a SAR and within the comms Log Lloyds advised PRA  no CCA or paperwork available  .  hence account unenforceable.   The default is listed as PRA so does that mean it’s active ?  I can’t see a default for LLoyds on there.  I will follow your advice Thankyou 
    • i will guess this is:   a debt buyer dca cannot register a default notice    if the original creditor registered a default notice then get a copy of that  staple it to a letter to PRA and demand the account is removed from your credit file forthwith or a serious complaint will be registered with the ICO and financial compensation will be sought.   give them 14 days 
    • Good Evening,    Please may I ask for some information re default markers on Credit Report ?    I had a CC with a Bank default around Jan 2014. Nothing was registered on my Credit Report The debt was later sold on a few times. Eventually to PRA in 2017 where it is unenforceable.   On my Clearscore report that I have recently downloaded it says “ In default PRA GRoup 5th April 2017”. when I click onto this it shows no markings on any month from 2014. so my question is can PRA register the default from 2017. I’m unsure if it drops off from The bank in 2014 or after PRA registered in 2017.    thanks for any advice you can give   
    • there you go all done i thought i could see you'ed left your reg number and their PCN number in your pictures.   there are quite a few threads here on this only allowed 30mins on certain esso forecourts total rubbish ofcourse  and none haver gone anywhere so far FWIW.   dx      
    • Highly likely providing you were the first private buyer to purchase the car with HP or conditional sale outstanding the solicitors will conclude that you have good title and act accordingly  As dx says let consumer law deal with this, keep the vehicle well hidden just in case but if you turn up at the sellers work and cause problems and the Police become involved  its highly likely you will be the one with big problems 
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Samsung won't repair phone under Warranty


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Hi All 

 

I've spent 2 weeks without a phone and over 4 hours between phone and livechat talking to samsung about my broke s10e phone screen.

 

I bought the phone in June 2021 and long and short of it the phone screen broke while in my pocket.

 

I made a call before getting in the car and it was fine.

Went to make a call when I got out the car and the screen had cracked and some LCD damage.

The LCD damage has now fixed itself.

 

I called samsung to get this repaired and they flat out refused to repair it as it was physically damaged and their warranty only covers manufacture defects and that all their phones are rigorously tested.

 

I told them that if all their phones are rigorously tested and don't break in peoples pockets just like that then my screen must be one with a manufacturers defect and that it is covered by the warranty then.

 

At which point after climbing as high up the chain as I could this was the only answer I would get. 

 

Is there anything I can do here ?

 

I am not lying about it breaking in my pocket.

It's got a full phone case only things showing are front/back camera and fingerprint reader and no marks besides from placing my case on.

 

I just don't feel that it's fair that they expect me too pay £190 to fix the screen when it is obviously defective. What if the replacement screen breaks randomly then they will just expect me to pay another £190 I expect. 

 

I've also tried approaching EE who my phone contract is with to which I was advised to go  to samsung or they could quote for a repair or I could early upgrade.

 

Please any advice would be greatly appreciated I'm at my wits end here.

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Forget warranty/guarantee thats doesnt replace your rights under consumer laws and are not worth the paper rhey are written on.

 

The retailer is your target under cra

Dx

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Yup, go after EE and remind them THEY supplied the phone and are responsible under CRA 2015.

 

You say you bought the phone June 2021 - I assume you mean June 2020 but please confirm.

 

Can you also confirm what type of physical phone cover you used - hinged hard leather or plastic back and front cover, etc ?

 

Did you speak to EE by phone, or visit an EE store. I've found EE store staff can be v helpful if you have a store nearby.

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Hi guys

 

Thanks for your help so far. Yes I spoke to EE via the phone. I shall try visiting them in store on Saturday. 

 

Sorry about the mix up with dates. I bought the phone June 2019. Will this affect things?

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did you purchase the phone from EE?

 

dx

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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then they are your target under CRA 2015

 

as the item is over 6mts old

it is for you to prove (via an independent's report)  upon it being faulty which might cost you a fee

but you'll get that back too.

 

they are entitled to refund (with discount for use had), repair or replace

their choice. 

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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How do I go about getting an independent report?

What would the report have to include ? 

 

Thanks for the help guys 

 

 

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mobile phone shop.

 

dx

 

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Would any phone shop do ? I know some independent phone shops that would be happy to do this but would EE accept it ? 

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doesnt matter

the CRA states you need an independent report doesnt specify who how or where

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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I used to work in customer services for EE many years ago. If I dealt with a complaint with the same outlines as described here, I would most likely refuse a replacement on the grounds that the phone was likely damaged rather than faulty. Obviously, I would try and take into account all the variables in the situation, but the most likely cause in the situation such as this is that it was an accidental damage (even if the user wasn't aware exactly how they damaged it). 

 

That said, if someone had subsequently got an independent report advising that it was indeed a fault with the phone which must have been inherant since the point of purchase then there would have been no argument from me. Immediate repair/replacement and refund for cost of obtaining report. So do what DX100uk says, that seems the best course of action. Without it you would be on an impossible task convincing anyone it was not accidently damaged. 

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does this damage emanate from the area of the RHS on/off button i wonder?

 

dx

 

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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