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    • What type of finance is it?   HP, PCP, Loan? They want her to ring so they can bully her into making payments she can't afford...unless she can record her calls then IMHO, I'd keep everything in writing. Is £400 SSP her only income? There's no chance they will justify taking half of that.   Lodge a formal complaint with them ASAP, exhaust it, and then you can escalate it sooner rather than later, ruddy sharks!  
    • Is all of this actually on the signage? Don't remember seeing that much detail on other threads.
    • If I have learnt one thing from this forum, it's not to call and communicate via email. I passed this info on to her and they are pushing for her to call them.    "Unfortunately, you will need to call us. The conversation won’t be so black and white as to therefore type over email. In a nutshell we can confirm that the request to not pay for 3 months we cannot put in place"  I emailed them back on her behalf and said that what ever is discussed over the phone will need to be put in an email so that she can review it properly. No decisions will be made on that phone call.    "Once we speak to you on the phone we will follow up with an email to confirm the options discussed. [Phone number]"   Why are they pushing for a phone call? If its not so black and white, why can they then follow up with an email?  
    • Appreciate input Andy, updated: IN THE ******** County Court Claim No. [***] BETWEEN: LC Asset 2 S.A.R.L CLAIMANT AND [***] DEFENDANT ************ _________________________ ________ WITNESS STATEMENT OF [***] _________________________ ________ I, [***], being the Defendant in this case will state as follows;     I make this Witness Statement in support of my defence in this claim.   1. I understand that the claimant is an Assignee, a buyer of defunct or bad debts, which are bought on mass portfolios at a much-reduced cost to the amount claimed and which the original creditors have already written off as a capital loss and claimed against taxable income as confirmed in the claimant’s witness statement exhibit by way of the Deed of Assignment. As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party. 2. The Claim relates to an alleged Credit Card agreement between the Defendant and Bank of Scotland plc. Save insofar of any admittance it is accepted that the Defendant has had contractual agreements with Bank of Scotland plc in the past, the Defendant is unaware as to what alleged debt the Claimant refers. The Defendant has not entered any contract with the Claimant. 3. The Defendant requested a copy of the CCA on the 24/12/2022 along with the standard fee of £1.00 postal order, to which the defendant received a reply from the Claimant dated 06/02/2023. To this date, the Claimant has failed to disclose a valid agreement and proof as per their claim that this is enforceable, that Default Notice and Notice of Assignment were sent to and received by the Defendant, on which their claim relies. The Claimant is put to strict proof to verify and confirm that the exhibit *** is a true copy of the agreement and are the true Terms and Conditions as issued at the time of inception of the online application and execution of the agreement. 4. Point 3 is noted. The Claimant pleads that a default notice has been served upon the defendant as evidenced by Exhibit [***]. The claimant is put to strict proof to verify the service of the above in accordance with s136 and s196 Law of Property Act 1925. 5. Point 6 is noted and disputed. The Defendant cannot recall ever having received the notice of assignment as evidenced in the exhibit marked ***. The claimant is put to strict proof to verify the service of the above in accordance with s136 and s196 Law of Property Act 1925. 6. Point 11 is noted and disputed. See 3. 7. Point 12 is noted, the Defendant doesn’t recall receiving contact where documentation is provided as per the Claimants obligations under CCA. In addition, the Claimant pleads letters were sent on dates given, yet those are not the letters evidenced in their exhibits *** 8. Point 13 is noted and denied. Claimant is put to strict proof to prove allegations. 9. The Claimant did not provide a true copy of the CCA in response to the Defendants request of 21/12/2022. The Claimant further claims that the documents are sufficient to pursue a Judgement and are therefore copies of original documents in their possession. Conclusion 10. Without the Claimant providing a valid true copy of the executed Credit agreement that complies with the CCA, the Claimant has no grounds on which to enforce this alleged debt. 11. The Claimant has been unjustly enriched at the expense of the Defendant by purchasing bulk debt at a greatly reduced cost and subrogating for the original creditor in trying to recuperate the full amount of the original debt 12. The Defendant was not given ample evidence to prove the debt and therefore was not required to enter settlement negotiations. Should the debt be proved in the future, the Defendant is willing to enter such negotiations with the Claimant. On receipt of this claim I could not recall the precise details of the agreement or any debt and sought clarity from the claimant by way of a Section 78 request. The Claimant failed to comply. I can only assume as this was due to the Claimant not having any enforceable documentation and issuing a claim in hope of an undefended default judgment.   Statement of Truth I, ********, the Defendant, believe the facts stated within this Witness Statement to be true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in it’s truth. Signed: _________________________ _______ Dated: _____________________
    • Morning,  I am hoping someone can help, I am posting on behalf of my friend so I will try and provide as much info as possible.  Due health reasons, she is currently not working and unable to pay her contractual car finance payments. She emailed 247 Money and asked for a 3 month payment holiday, they refused this straight away with no reasons as to why. They have told her that instead she can make a payment of £200. She is currently getting £400+ a month ssp so this is not acceptable. She went back to them and explained she cannot make this payment and they have not offered an alternative plan. Its £200 or she falls into default.  She is now panicking as she does not want her car to be taken away. What options does she have?  Thank you, 
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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.
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      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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Advice please...Repair charge when guaranteed for 2 years


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I posted this on my page and someone recommended this group for advice, thanks 8n advance for reading.... 
This is a desperate attempt for any help or advice as how to proceed please.... so those who know us well will know that my son has additional needs and when I need some down time, or when he's becoming dysregulated I use the switch lite his grandparents gave him, he's obsessed with technology and games and he kinda zones out and calms... so when the left joystick control started "drifting" (I've since learnt this is a well known issue with nintendo )  he began having meltdowns as it was not doing what it should.... his character was walking backwards and wouldn't stand still etc.... so I entered onto a web chat with currys and a lovely colleague Bindhu explained as it was purchased Dec 2020, and therefore not 12 months old, the fact it was a gift and I lived in cornwall and my parents up country i didn't have box or receipt was no issue, as conversation progressed Bindhu said due to the significant inconvenience on our lives we could simply return to our Cornwall store and give details, and it would be resolved instantly, replaced... which was such a relief as I was worried about Jack having to wait for repairs etc... upon arrival to the store the desk colleague says no replacement I didn't purchase it my mum did, but they would send it for repair... 28 days... he didn't care about Jack or myself and the impact that would have.
I sucked it up, as a single mum at least Jack would get his switch lite back, I just had to somehow manage 4 weeks! 
Roll on until last Tuesday I had a voicemail from currys telling me my switch was not under warranty and required me to call nintendo quote a repair number and pay 53 quid within 14 days or the console would be returned unrepaired. I can't find any contact number for the store so return to the webchat ... where a Sara very politely apologises and seems to understand my confusion and frustration... she promises me the store manager will call me back and resolve the issue it will be fine. The store manager calls me back and very defensively opens the conversation with her staff have been trying to call me all afternoon! I do apologise currys but I was recovering from a hospital procedure I had myself that morning!!! Not that all this stress and inconvenience is helping me at all like! Anyway after a conversation she basically stands by the fact that they are simply the middle man in the scenario and if I do not call nintendo I won't be getting console back repaired. After my 16 yrs retail experience I explained as customer service lead if someone provided proof of purchase and it was not fit for purpose within 12 months it would be replaced no questions asked. She says oh yes we can do that with kettles etc but we won't do it on consoles! As far as I  concerned the product is gaurenteed for 2 years on the sales contract my mum entered into with Currys... like a two way exchange so how they are only the middle man and can't do anything is beyond me.... in my retail experience the electrical returns were all sorted out behind the scenes not the customers issue. We purchased from currys with a 2 year gaurentee and within 8 months it's faulty! And now I have to ring nintendo and I have to pay money. Anyway after being really dissatisfied with store managers response and attitude towards me I waited until 9am the next day to call nintendo - the first guy cuts me off, the second guy says it needs paying for ... on inspection it didn't switch on and they found damage to charging port, not under warranty... they also found the left joystick issue which I sent it for repair because of, which IS under warranty, and on top of that the mother board and the right joystick were also found to be defective and also covered under the warranty! 
I sent it off for 1 issue to be told there is 4. 3 were unknown to me, and we certainly didn't have issue switching it on or charging, the nintendo man said not now maybe but in the future you would have issue with charging console and they cannot send it back knowing its not 100% OK.... this point I understand however it not my place to find and pay 53 pound for an issue I wasn't having because its not 100% and will become an issue eventually considering they have admitted to 3 other faults being under warranty. . . 
The stress and pressure when my son is expecting it back soon, and I am undergoing tests- I just needed it sorting... I returned to only way I could contact anyone and had a Web chat with Yashika.... I explained the entire saga, and even felt I should make her aware of my ecg tests so I didn't miss another call because of my health! I explained my consumer rights as I see them, that a product should be of satisfactory quality which it's not, even if you blame my son for the charging port which wasnt a problem for us... the product clearly has faults which are not due to  him! Its not 8 months old and guaranteed by currys for 2 years- no durability! It's not free from minor defects as stated above, and can't be fit for purpose if he can't play his games and it's a games console!
Let alone the fact the first person said it would be replaced no issue due to the significant inconvenience, and then the opposite being said in store. The 2nd Web person again promising it would resolved and manager would call. Then the poor attitude and manner of the store manager when I was recovering from a hosp procedure. And then after an unsuccessful conversation with nintendo and a fourth Web chat with a currys employee again this time I was assured it would be escalated and "surely replaced or refunded... and the resolutions team would reach out with in 24 to 72 hours" they were disconnected whilst I waiting for the complaint reference number to be generated.... shalender then appeared on the chat, they told me they couldn't help me at all with the issue. When I refuted and explained I been chatting for couple of hours dealing with the issue,and simply needed the reference number of complaint. They said they were denying help....
Then when challenged they said they could read all the chat I had previously and then proceeded to ask me all the questions yet again! After this I was supplied with a complaint reference number. So fast forward a week... accounting for bank holiday weekend the 72hrs for the team to contact me lapsed wednesday! I have heard nothing! 
Yesterday I have again returned to the webchat where Abhijeet has told me I can't be helped as won't pass security checks? Then told even if he found complaint he wouldn't deal with it... then said they were no complaints department then gave me reluctantly an address to complain to... when I asked about details of the ombudsman for currys I was told they don't have access to details to pass on to me... or a contact number. Then said the complaints team will call me... I explained they were meant to call by wednesday and hadn't so can I have the name of complaints manager and number and was told no there is not one. ... 
The problem I have is nintendo are currently holding the console until 7th September at which point they are sending it back to store unrepaired unless the money is paid. By the time i post a letter and it gets read were going past the time and the distress and inconvenience for myself and my child is already ridiculously massive! 
I don't feel comfortable going into the truro store after how the manager was on the phone with me,and also embaressed that I even have to discuss my health with anyone it should not be relevant. 
I just want my son to have his switch replaced for one that is fit for purpose and to not have his grandparents swizzed still paying for a console which currently we don't even have and they want 53 pounds from me to fix.... 
Help! I never in my life have experienced such incompetence and won't ever use them again for anything, but that does not help me now.... so just wondering if anyone out there has had issues with currys before and how they resolved it.... and also feel its my public duty to warn people to stay away, because the stress and hassle is not worth it. 😑

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Drift is not common on just Nintendo. this house is a nintendo/xbox house and we all get drift on the controllers. 

I can fix my own drift of the switch original console but the problem you have with a lite is it needs taking apart. This can show other issues with the console What have they said the other 2 problems are, l know both thumb sticks are drifting. 

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Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I'm terribly sorry but with the best will in the world, you have posted an extremely large solid block of text which is difficult enough to read on a large screen and impossible for people who are using small screen such as a telephone.

Also you have posted the same large block of text twice in different places.

I have merged them and also locked the thread and I would be grateful if you could repost your story but this time in a bullet pointed chronology simply dealing with the facts of your problem so that we can get to the root of the problem quickly and give you the advice you need.

I expect that we can help you but we need the story to be accessible not only to us but others who will be interested to see what your problem is and also what solutions we can provide.

Please repost your story on a new thread. Well spaced and punctuated and without the narrative.

Thank you

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  • dx100uk changed the title to Advice please...Repair charge when guaranteed for 2 years
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