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    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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@curryspcworld "Lost in transit" investigation


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So this is an amazing story. Currys are pretty poor in their customer services – but this takes the biscuit if it is meant to be a click and collect which didn't arrive at the store and they still have to investigate it.

Amazing

Did you pay completely by using vouchers? There wasn't by chance any debit card payment involved or credit card?

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I'm afraid that when you are dealing with people at Currys PC World, you tend generally to be dealing with mindless drones. Occasionally you get somebody who has their eyes open and he is consumer-facing – but it seems to be pretty rare as far as we can see.

When you posted on the Facebook page, I had hoped that you had paid by debit card in which case we would have suggested that you ask for an immediate chargeback and that would probably have your money back within a very short time – but I'm afraid that using vouchers, you have squarely played into the hands of Currys PC World. They have your money already even before they have sold you an item and there is no need for them to do anything more.

I don't know how you got the vouchers, but it amounts to an interest-free loan to Currys PC World.

I'm afraid the only thing I can suggest if you want to give them a bit of trouble is to purchase another one using a card payment, for instance, and then demanding a refund for the vouchers. Of course they won't want to give you a refund for the vouchers that in view of these facts I think they have no choice and it would be fun to issue a claim against them to force the issue. It will take some time but at least you would get some satisfaction.

Apart from that, I suppose you could try emailing a CEO email – but people think they are contacting the CEO when in fact it simply goes to another team of drones who are maybe slightly more imaginative and the people at the bottom – but not much.

I've already sent a tweet out to Currys PC World about this – but I'm afraid that their social media is also manned by drones.

I'm very sorry not to be of much immediate help on this.

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  • BankFodder changed the title to @curryspcworld "Lost in transit" investigation

I suppose the only thing you could do is to purchase it and then when you get the other one, return it under the 30 day cooling off period which I believe they offer. I suppose they may say that the cooling off period is not available for voucher purchases, but you could simply give them back the used one and then install the new one when it finally gets to you.

My own favourite would be to buy another one and then to sue them for the value of the vouchers. I think your chances of winning would be better than 95% and it would be interesting and fun.

 

In fact if you are going to beat the manager today, I would consider preparing a letter of claim and if the manager is not able to resolve anything then you present the letter of claim to them immediately for breach of contract.

We can help you draft this if you want. However, he needs to be a serious threat – not a bluff.

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No, the circumstances of cases are just too diverse to produce templates.

Draft something and post it here and will have a look.

Keep it short and to the point. Don't go into a load of narrative.

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Thanks, @citizenB, I obviously wasn't paying enough attention!

And yes, the 40p on the credit card would be enough to set it going – but the trouble is that it will take a long time. The OP won't get his money back quickly and of course the difficulty will pass relatively unnoticed by Currys PC World. A direct threat is more likely to produce results more quickly and more startlingly.

I can imagine that Currys PC World would be stupid enough to try and defend by saying that it was a term of the contract that the vouchers could not be replaced by cash – and then eventually they would try to defend by saying that you can only have the face value of the voucher and not the full price of the product.

A Big Fail on both arguments

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Thanks for the update.
I think it might have been a good idea to purchase the item again on the credit card and although you don't trust them, I'm sure they are just stupid – not dishonest and at least you would have had your computer part. Then if there had been a problem, you could have taken action against them without any doubt of success.

Anyway, let us know how it goes

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I'm very sorry. Very disappointing indeed.

I still think that it would have been a good idea to take the one which was offered to you against your credit card – or else give them the letter of claim.

It really is disgraceful and I think you would be quite justified in claiming some compensation.

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Well done on getting a Christmas present for your son. At least that is out of the way – but what a load of hassle.

I understand very well what the store manager is said – but I suppose that you better be ready for them to renege on this and to cause you problems.

I'm afraid I was a very pessimistic view when it comes to dealing with Currys PC World

Also, although it would be nice if it whole happened within 30 days, I think it's ridiculous that you are being pushed into a situation where you have to game the system.

The first thing you should do is you should establish a paper trail. Did you get the name of the store manager that you are dealing with? This is very important – because otherwise a typical response might be – who promised you that? They shouldn't have done that because it's not our policy.

Find the name of the store manager and write to him and confirm exactly the arrangement and why this arrangement has been put in place.

Tell him that you will want a refund of the value of your vouchers because it has been caused by their mishandling of your sales contract. Tell them that you want a complete refund of the cost of the item which you have eventually been obliged to buy.

I suggest that you send a copy of this letter to their customer services as well. Include invoice or receipt numbers as well so it is all traceable.

After that, I think probably the best thing to do is to wait until the New Year and will see what happens.

I think you haven't received any response by the end of the first week in January, that you should be thinking of taking additional action.

If you are able to visit the store and give this letter to the manager then you should do this. However, make sure that the customer services department has got a copy as well so that it is definitely on file.

Make it clear at the bottom of the letter to whom you have sent copies – customer services and the manager (by name)

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Auto fob-off.

 

If you find that you have to buy elsewhere and it cost you more money then I would go back to Currys PC World in the New Year and claimant will back including the extra money.

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Thanks for the update. I think is a shame that they fobbed off with vouchers and you could have stood your ground and insisted on cash. Effectively what this means is they benefit by having taken a second purchase of you by means of a credit card and they are still enjoying their interest-free loan on the basis of vouchers which were spent but then they can deliver upon. There is no doubt in my mind that you will be entitled to cash – but it will be up to you to push it.

I'm glad that you think it's a reasonable outcome – but I have to say I think that Currys PC World have gotten away with it again

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