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    • Hi everyone, I am new to this forum. I am HOPING you can give me some advice that can help me. I am 68 years old and I currently own a leasehold property for which I have to pay (extortionate) monthly fees for Ground rent and Maintenance to a management company. During 2020, I managed to pay only for 6 months and then ended up in financial difficulty due to Covid. I was barely able to make ends meet. I stopped paying the maintenance fees around June 2020. My plan was to pay them a lump sum at the end of the year, when things go back to normal and my financial situation improved. Government advised things would go back to normal but unfortunately this didn't happen and I ended up in a lot of debt. I even had to sell my car to pay back money I had borrowed from family members. I live alone and this whole pandemic situation has really affected me mentally. To make matters worse, because I wasn't able to pay the lump sum as I originally had planned, the management company consulted a solicitor (Realty Law) to help them recover this outstanding debt. The initial debt was £596.00 + £36.15 for interest (no idea where this interest came from). The solicitors have now added on legal fees of £721.50 increasing the total debt to £1353.65. I contacted them via email and offered to pay £50 a month for the time being until I can improve my financial situation, at which point I would pay them more. Their response was the following: 'Our client has advised that they cannot honour a payment plan for that duration and therefore we have been instructed to continue our recovery process and request judgment if payment has not been made by 2pm on 29th October 2021. As such, we request that you please make full payment of £1353.65 as per the attached arrears schedule by 2pm on 29th October 2021. If payment or correspondence has not been received by then, then we shall be continuing with further recovery action and issuing a county court judgement (CCJ) which will incur additional fees. You are entitled to seek your own legal advice.'   The whole idea of court proceedings and CCJs and ADDITIONAL FEES has really elevated my anxiety levels to the point I am struggling to get to sleep at night. I borrowed money from family members and used some money that I had saved to pay off the initial £596.00, but its not possible for me to come up with the £700+ for the solicitor fees by 29th October. How is it even acceptable to charge someone £700+ in legal fees for a few letters?    Can someone please give me some advise on what on earth to do or who on earth I can speak to. I am desperate here.  Any advice would be greatly appreciated. Thank you in advance  
    • Please also take photos of the sign at the entrance as well as any signs inside the car park especially any that are different. Please take them from a distance where we can read them and if there is a payment machine, the sign on the machine or very close to it that explains their T&Cs for the machine.
    • Thanks for getting the signage posted up so quickly. The sign on entry should explain their T&Cs. As they don't it means that  what they have given you is  an offer to treat, not a contract. For there to be a contract they would have had to put their offer at the entrance.  You cannot put a notice saying that their T&Cs are inside the car park and expect motorists to be subject to those T&Cs when they are unaware what the terms are.. They have to be able to read them and understand them before they can accept them. My feeling is that the sign that includes the charge of £100 is too small to be acceptable On top of that the sign at the entrance is for Parking Control Solutions while the signs inside are from HX Management-a completely different animal. To strengthen your case for not paying them is the fact that their PCN is not compliant.  Under the Protection of Freedoms Act 2012 there are certain wordings in  the NTK  that by Law must comply with the Act. They don't  have to quote that part of the Act in their PCN but the relevant wording has to be included. PoFA Schedule 4 paragraph 9 [2]   the notice must  [f]   warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid;   Your  NTK does not include  [if all the applicable conditions  under the Schedule have been met ]thus rendering the NTK non compliant.  
    • I agree its about time but why has it taken for the National Crime Agency to flag this up for then to take action and not Ofcom.   Yet again a Government Agency that is meant to deal with this hasn't Ofcom but flagged by another Agency NCA.   If the telephone companies have this facility in place already to do this then why hasn't Ofcom been pushing them to stop all these scam calls and giving them massive fines for not doing so.    
    • Hi   Send this to them:   Dear Sir/Madam   Formal Complaint   Reference:            (insert their complaint reference number here)   Thank you for your response letter dated XX/XX/2021 which I received by email on XX/XX/2021 that contained your Original Email sent that showed due to your Maladministration that you had sent the Original Email containing my Personal Data to an incorrect email address due to spelling errors in the email address.   a)      Due to this Maladministration of this email being sent to the incorrect email address this email contained my Personal Data which is a Data Protection Breach therefore I require clarification from yourselves that this Breach has been reported to your Data Protection Officer and what action is being taken to ensure that my Personal Data contained in that Original Email has not been read by the recipient that you sent that email to with the incorrect email address.   As the email was sent by yourselves to my correct email address containing the original email showing the incorrect email address was due to spelling errors (maladministration) your IT Department will be able to obtain those emails sent.   If I do not get a satisfactory response that this has been dealt with by your Data Protection Officer, I will report this Data Breach to the Information Commissioners Office (ICO) https://ico.org.uk/make-a-complaint/   b)      Due to this Maladministration I failed to receive your Stage 1 complaint response within the allocated time limit for a Stage 1 response therefore this complaint should be dealt with as a Stage 2 Complaint and if you refuse to treat this as a Stage 2 Complaint, I require Full Clarification for your refusal.   I was placed in this Tenancy via the Rough Sleepers Initiative and I find your response about damaged/destroyed items that you would not be able to look into this as this happened 2 years ago but all tenants regardless of private or social housing are responsible for arranging their own contents insurance totally unacceptable as again, I was never notified nor informed of this requirement on taking up this tenancy.   I require clarification from yourself that when a New Tenant takes up a Tenancy Agreement with yourselves why are the not informed of this requirement of Contents Insurance which you should be duty bound to inform all tenants on taking up a tenancy agreement if such a requirement and it should also be noted within that tenants Housing File which you have full access to as dealing with complaint so I require clarification as well if this is noted in my Housing File.   You state multiple properties throughout the area were affected by sewage flood on the same day and the issue will have stemmed from the mains which is not your responsibility.   a)      You have failed to take into that the above statement from yourself blaming the Mains is without any actual evidence from yourselves to back up this claim therefore I require clarification as to what actual evidence you have and to be provided with copies.   b)      You also failed to take into account that in my initial complaint letter that on 12th July 2021 basement flats 1 & 2 were flooded by sewage exacerbated by blockage in the property’s drainage. The blockage has been confirmed by two contractors after the flooding including CCR who were subcontracted by Pyramid Plus that it was the properties drainage that was blocked. Also, while I was decanted from this property, I was contacted by CCR who confirmed that the drain was blocked but they could not access manhole as it was inaccessible as it is located in a utility cupboard underneath carpet, floorboards so how could this be the Main and not your responsibility when it is within the properties boundaries.   Your response about how complaints have been made by residents in relation to this issue is that your system does not allow you to find that information is completely unacceptable as your Housing Association should be able to produce these as part of ongoing repairs and maintenance/procurement processes to present these to your Board for there yearly Budget meeting if not why not.   Then you state you are under no obligation to share that information; therefore, your organisation is not being Open and Accountable to your Service Users and under which Article of the General Data Protection Act (GDPR) are you using for this refusal.   You have also failed to mention that I can make that above request under the Freedom of Information Act (FOI) and what is your process for such a request again not being Open and Accountable.   I await your response.
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Currys online order lost by DPD - Refuse Refund - help


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I bought a Dyson Cooling Fan online from Currys on 19 Jul, a substantial purchase for me at £339, but absolutely necessary even if it took all my savings. I paid extra for next day delivery.  

 

The 20th came and went - It never arrived. The courier was DPD so I checked the tracking details. It arrived in the local DPD Depot at 0727 on 20 Jul and stayed there - It said “your delivery is being held in the depot” no reason why and no contact from DPD either.  It took me all day to get hold of DPD who checked and rang me back advising me that my delivery is missing! Stolen more like… DPD were not interested at all.

 

I managed to get Currys Customer Services after nearly 3 hours and told her what I had happened and what I had found out. She said she would ring DPD and I had to hold. She came back and said that it was being held in the Depot! Which is what I had told her!! I advised her that it had gone missing from DPD and she was so unhelpful. I requested a refund, but was told I could not have it until the outcome of a full investigation which could take 14 days plus!  

 

This item was urgently needed for medical reasons, hence the reason I paid for the next day delivery, so without the refund I cannot source anything else as I had used all my savings for this purchase. Currys we’re not interested. I have spent hours trying to get help with this issue as I do not believe Currys should withhold my money! The carrier is their issue, not mine, I didn’t engage DPD, there is absolute proof that the carrier received the item and lost it, I have nothing to do with the transit of my delivery at all so why am I being penalised? 

 

They are literally stealing my money. Everywhere I have gone for help has advised me to write complaints and all that rubbish, BUT I have to give them 14 days to respond! I need my money now.

 

What is the point!

Why don’t Consumer Laws actually help us?

Who writes these laws?

How do we get them changed?

 

I am absolutely beside myself will all this and have nowhere to turn.

It has had a severely detrimental effect on both my physical and mental health. 

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  • dx100uk changed the title to Currys online order lost by DPD - Refuse Refund - help

how did you pay currys - debit card?

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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In any event, your protected by the distance selling regulations.

Send Currys an email and tell them that you are now rejecting the goods under your rights in the distance selling regulations. You are entitled to a cooling off period of 14 days from the date of delivery and as it hasn't even been delivered yet, you are entitled to reject it out of hand and for no reason whatsoever.

Make sure this is in writing – email will do – and then I suggest that you telephone them and confirm that they have received it. Tony get a reference number. Insist on your refund – and as asked by my site team colleague above, how did you pay?

If it was by debit card then you should call your bank and begin a chargeback process. Your bank might try to say that they don't get involved in contractual issues. Tell them that there is no contract because the item has been delivered and you want your money back.

Get a reference number from the bank as well. Read our customer services guide

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Thank you for your help and advice.

 

I used PayPal to purchase the item and have started a complaint with them but again I have to wait 14 days.  

 

I cannot email Currys as they have closed off all their emails, even though they still direct you to them on their website.

 

I need to buy a replacement item now, not in 14 days.

I just don’t understand how they can hold my money when it is their agent that is at fault!  

I am going to have to borrow some 🥺

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how do you pay paypal, was it existing funds 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... 

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with an existing balance in your PP account or your paypal account had to suck money from your bank a/c to pay for the fan?   you'll get it in a minute i'm sure....

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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PayPal is linked to my bank account. PayPal not able to chase response from Currys until several days from now… which doesn’t help me.

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so on your online bank statement there is a transaction for the relevant item amount yes.....?

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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3 hours ago, Bellemorte said:

 

 

I cannot email Currys as they have closed off all their emails, even though they still direct you to them on their website.

 

I need to buy a replacement item now, not in 14 days.

🥺

 

You must still write them a letter rejecting the item on the basis of the distance selling regulations. If you can't send it by email then send it by recorded delivery letter to their head office. Make sure you give the reference number of the purchase.

There is no reason why you shouldn't do this and it will reserve your position. It's extremely important because it gives your point and leverage later on because in addition to failing to deliver your item, then also become liable for breach of the distance selling regulations – and that is also a fairly serious matter.

Send the letter straightaway.

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1 hour ago, Bellemorte said:

Yes

 

good we got there in the end....

you are quite entitled to go do a chargeback on that payment, paypal never nor can argue, simply tell you bank an item paid via paypal never arrived and paypal are ignoring you. might be the quickest way to get your moneyback

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 did the letter to Currys but they have not responded. PayPal have also said that I have to wait as Currys have 8 days to respond. They reminded me that they were only an arbitration service… DPD are now saying the tracking number no longer exists… I will contact my bank and see if they can help.

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It doesn't matter that they didn't respond. The important thing is that you sent the letter and that you have evidence that you sent it so there you have put your marker down and reserved your position.

This can only be to your benefit if you have to take more formal action

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Chargeback takes up to 60 days! Why is it that I can be held hostage like this when the delivery company is nothing to do with me!? Their contract is with Currys, not me. Why don’t Currys refund me and then claim it back from DPD?! This legislation has to change…

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Chargeback should be instant

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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Yes, where are you getting this 60 days stuff?

 

It seems to me that you are holding yourself hostage

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Cant be instant ....there is a process that the bank must adhere to.

We could do with some help from you.

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The bank is not telling the truth if they have told you that it is 60 days.

Have you begun the chargeback process?

If you can get them to confirm that is 60 days then tell them that you know that they are not telling you the truth and you will want it logged as a complaint which will eventually go to the ombudsman.

Once you have begun the chargeback, as soon as they have established that the chargeback is valid then they will pay you back instantly.

In your case where the delivery has not even happened so the contract has not been executed then the contract should be pretty fast.

Have you begun the chargeback process or have you merely had a conversation with the bank about it?

There is no reason that you should trust the bank on anything they say. They don't like giving you back your money and if you have simply had conversations with them without actually invoking the process then you have been wasting your time.

 

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Excellent. Was that just the application or have you actually had your money back yet?

If you haven't had it back then when did they say you would get it back?

Also, I'm afraid that may not be the end of it because now you will have to be dealing with Currys who are very poor at providing customer service but not too bad about hassling people if they think they are owed money.

If you get any problems from then then make sure you come back here and we'll take you through the next step

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that link is the USA rules

 

i've done numerous ones with mainly the co-op and it appears to be that the bank initiates immediately and then send forms etc out.

 

as for currys tell them to go do one and go get their product from DPD.:pound:

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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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Share on other sites

Bank are pursuing PayPal and have not told me when I might expect a refund, but until then they have added a temp payment, equivalent to that outstanding, to my account, which I can use. The refund, whenever it happens, I presume will go to the bank 👍🏻

 

dx100uk - That is exactly what I told Currys to do as the carrier was contracted by THEM, not me, and they can chase reimbursement from them - but apparently that is not how it works… I am shocked that they can get away with it - I didn’t get even a glimpse of my item and DPD freely admitted they had lost it 🤷‍♀️  
Thanks again guys 🤟

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Write a letter or an email to Currys and confirm that you have now received a reimbursement from your bank on the basis of a chargeback and that the contract is now definitively closed.
You can also express disappointment, if you want, that you have had to go to these lengths.

 

Lessons here are:

 

Be aware of the various 14 day, 30 day and six month deadlines for various actions and remedies.

Never trust your bank. Double check all the information they give you.

Don't imagine Currys are going to give you good customer service – they're not.

When things go wrong, send letters quickly. Establish a paper trail.

Read our customer services guide and take control of all telephone conversations.

 

Stop being surprised and shocked at the way retailers treat their customers – if you don't, then you will never stop being surprised and shocked.

Take control

Come to this forum quickly.

 

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