Jump to content


  • Tweets

  • Posts

    • then they can't comeback IMHO if you stop paying. you should have stopped paying there and then, but i suppose stepchance again poked their nose in and said either you cant just stop some debts through the plan, keep lining ours and their pockets.?   they are correct they cant register defaults themselves only the OC can.    
    • Hi Bankfodder   Yep, it's these guys.  I paid by debit card; online purchase.   I have been emailing them.  Should I send a letter?   Thank you for your help x
    • Hi all. I would be grateful of some advice please if anyone is able to help.   I had a new washing machine delivered by Currys on 5th Feb. It was faulty from the start so I tried to inform Currys. They told me to contact the manufacturer. I knew that they were wrong to insist on this but I did so anyway, and I now have an email trail from LG telling me that an engineer visit is needed. I refused the engineer visit and told Currys I wanted to use the 30 day rejection as per CRA2015. I know CRA2015 fairly well because I had to use it for a faulty car last year. Currys just kept telling me that I had to go back to the manufacturer.   In desperation I emailed the Currys/PCworld/Dixons CEO. I realise that he won't have seen the email but one of his minions got in touch and promised to help. After a very lengthy email conversation over a few days this guy told me to contact the manufacturer!    I sent Currys (by post and email) a Letter Before Action, telling them that if it wasn't sorted by 15th March I would take action. I offered mediation but they ignored it. I sent the email to head office and sent copies to all staff I had previously dealt with as well as the CEO. I received one email reply, from the CEO's minion, telling me that he was sorry that we had been unable to resolve this amicably.   To date I have received no reply to the LBA, nor do I expect to receive one.  I have used moneyclaim online before, so I am not too worried about doing that. The only issue I have is that I know that if I lose I will be liable for their fees, so do I let these people get away with this or is there some way I can guarantee that I won't be faced with huge fees?    Thanks for reading this far!
    • Just a point example on the stats being used One person in four in England has some antibody protection against Covid, ONS survey suggests "According to an Office for National Statistics survey, an estimated one person in four in England would have tested positive..."   ... 25% of population with antibodies is a bit crap as handcock claims about 40% of adults (given very limited testing of children) have been vaccinated and there have been about 4 million people have tested positive (many/most of whom would still have anti-bodies) vaccinated or not
    • throw the 'i did have the cards and spent the money so...' morality trip out the window... when did you take the cards out? when did you last pay them anything or use the cards?    p'haps it's better to look at a wider picture here...   are there other old debts on your credit file you have also ran away from? could others pull the same stunt and get easy default judgements to an old address?   during the period when these 3 cards were granted was your credit file shot with lots of defaults and bad markers and negative information?        
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Currys/Dixons insurance


Please note that this topic has not had any new posts for the last 205 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

My uncle has gone into care and I am trying to tidy up some of his finances.

He has been a loyal customer of Currys and has  bought dozens of electrical items over many decades from them.

Mostly, cameras, camcorders , laptops etc.  

He has always bought (been sold) the upgraded insurance for every item.

 

I have found half a dozen policies going back 12 years, ranging from £2.99 a month to £8.50 a month.

All being recurring direct debits.

 

It seems wrong that a company should continue to accept monthly payments for such historical purchases, especially where these premiums have now totalled 3 times the cost of the purchases.

 

Is there anything I can do (apart from cancelling the policies)?

Its WAR

Link to post
Share on other sites

The direct debits are cancelled and the policies are cancelled. How far back can you go to recall earlier direct debits? Can you actually do that?

Its WAR

Link to post
Share on other sites

yes you can.

 

i would suggest you have a very good case to reclaim every payment on every policy say passed the 2yrs time frame from purchase.

 

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... 

Link to post
Share on other sites

This is encouraging. But the policies were insuring for 'whatever happens' in the event of breakdown after the manufacturers guarantee expires. I am not sure that's the same as paying for an extended warranty which has expired, but premiums still being paid. Or am I missing something?

Its WAR

Link to post
Share on other sites

conned from day one....

warranties be them from the manu or a guarantee (samething) are totally worthless and dont over ride your consumer rights under sale of goods act (now CRA) . so any extra after this 'runsout' is pointless and i bet he paid them from purchase anyway so why? if warranty is still current?

 

as said you have a very good case to argue (if what you say above is true?( that ALL payments should be returned then..

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... 

Link to post
Share on other sites

It looks like he bought extended warranties as one premium, plus after care policies payable by monthly direct debits.

All add on selling at the point of sale by over zealous sales staff.

 

Then after a few years, he fancies a new camcorder or laptop and buys new ones, whilst still paying the monthly DDs for the free extended service insurances on the old products.

He doesn't think to cancel the old policies.

 

He has been paying out over £30 month for these policies for over a decade.

One item looks damaged (so he bought a new one), but didn't claim for the repair or cancel he policy.

 

It looks like he forced out a picture card with a screwdriver, so it was probably excluded anyway through mis-use. 

I doubt Currys will want to reimburse around £2500 in premiums without a fight.

Its WAR

Link to post
Share on other sites

you go to his bank and do a DD guarantee reclaim as i said.

 

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... 

Link to post
Share on other sites

I will certainly be dealing with it via the DD guarantee.

Although I can understand how the guarantee works for stopping a DD and or having a refund for one or two months payment that should not have been taken, I don't understand how the bank can refund say 6 years worth of payments (or 12 years worth).

 

Surely the retailer, Sky or BT would claim a contract was in place and therefore be able to defend it? 

In the case of my uncles BT direct debit £87 a month of which £44 was super fast fibre broadband (which he hasn't used), the amount would be £5,000. I can't see this being refunded on just one letter to the bank.

 

How does it work for historical issues accumulating to such a sum?

 

Its WAR

Link to post
Share on other sites

If currys or any company breaches the DD guarantee and there is evidence of this,  then the Bank may be willing to refund amounts for a period of time.  Not sure how far they can go back. I thought it was limited to 12 months, but this is from memory only.   Something to do with restrictions on the Banks systems to reject a debit entry.  The Banks have to comply with rules set by the organisation that supervises the Direct Debit system.  This is the website with info and contact details.  They will know the period where a DD refund can be offered by Banks

 

https://www.directdebit.co.uk/FAQs/Pages/FAQ.aspx

 

The issue needs to be registered as a complaint with the retailer and if the Bank do refund amounts, they should therefore understand reasons for this.  The retailer will have to respond to the complaint using their complaints processes, which may include referral to an independent adjudicator. 

 

 

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

i've known 10yrs of DD's to be refunded.

the company must prove a valid contract for the period.

no proof the DD's all get refunded

 

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... 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...