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    • But did you request documents as per your response to their PAP ?
    • Hello fellow Gaggers.   I did what you all suggested and asked for my CCA from all the Companies/DCA’s involved. These were sent by first class to sign for on 6 June 2022. They all received and signed for these letters on either 7 or 8 June 2022.   None have come back with a signed by me CCA or relevant documents. Here are the replies I received are as follows:   BPO Collections, received a reply on 17 June with their letter dated 14 June, no CCA received by 27 June.   Dear ***** Please find your postal order for £1. Unfortunately, we are not able to accept this as we don’t charge for this. I have requested all the information you have asked for, once our client has responded we will send this over. Yours Sincerely, John McNamee.   Cabot Financial, received a reply on 17 June with their letter dated 14 June, no CCA received by 28 June.   Dear ***** Thank you for your request for information under sections 77-79 of the Consumer Credit Act 1974. Unfortunately, we do not have the relevant information on file, so we will be requesting a copy of the credit agreement and terms and conditions from your original lender, as well as a statement of your account. This may take some time, but we will write to you within the next 12 days with an update, (their 12 days regarding an update is today 4 July, no post from them has been received).   You still have an outstanding balance of £****.** and you currently do not have a plan in place with us. We would like to discuss the available options with you and find you an affordable solution for this account. Yours Sincerely, Stephen Shaw.     NCO Europe, received a reply on 13 June their letter dated 8 June, no CCA received by 27 June.   Dear Sir/Madam (can’t even get my gender right). Thank you for your request and payment for a copy of your CCA which we received today and have forwarded to your creditor. Your creditor has advised us that they no longer require payment for this (postal order for £1.00), therefore we are returning it to you. You will receive the CCA in due course If you have any queries blah blah blah……………… Yours Sincerely, Joanne Perry.   PRA Group, received a reply on 17 June with their letter dated 14 June, no CCA received by 28 June.   Dear ***** I am in receipt of your letter in relation to the above (request for my CCA) and have requested the required information. Until this is received, I have placed your account on hold which will cease any further collections activity until further notice. PRA Group UK Ltd do not charge any fee to carry out this request, I am therefore returning this payment (postal order for £1.00) to you. We will contact you to provide an update as soon as possible but if you have any questions, please contact us blah blah blah……………………………… Yours sincerely, Carissa Rae.   Idem Servicing, received a reply on 18 June with their letter dated 16 June, no CCA received by 27 June.   Dear ***** Thank you for your request pursuant to sections 77-79 of the Consumer Credit Act 1974. Unfortunately, we are unable to supply a copy of the credit agreement at present and acknowledge that until we do so the agreement cannot be enforced. We have contacted the original lender for a copy and if available it will be sent to you under separate cover in compliance with your request.   The balance of your account is still outstanding and we will continue to pursue this debt which will include any arrears and defaults with the credit reference agencies. We can confirm the balance of your account of £****.** remains due and payable and we will continue to contact you to discuss repayment proposals. In the meantime, we attach a statement of account detailing the transaction history. You are free to take whatever action you consider appropriate but we will not be releasing you from any obligation under the agreement. Yours sincerely, Rebecca Harper.   Rather than scan and post the letters I have received from the DCA’s I have typed out the main points of each reply I received. All have failed to send me a true, signed by me, with attached terms and conditions (at the time of signing) a valid Consumer Credit Agreement. Most of each letter seems to contain bluff and bluster, and veiled threats. One note of concern, would any of this come to bite me in the rear end, should I fail to pay them any more money, with regard to the credit reference agencies? I await your more knowledgeable responses.   Allets.
    • Well done. Different shops have different staff.  For customer service in future look at sainsburys. I know the CEO is the same. 
    • Hiya, just to update you, they've now posted another enforcement notice - with a deadline of next week before action - to my new address. Presumably found that via the court document? I've not had any acknowledgement from the court of my new N245.    I need to check whether the deposit that was in dispute is still sitting with mydeposits so I will dig out the paperwork this week.  Also wondering whether it is worth going for an IVA if the court don't agree to my recent offer.   Meanwhile, if they turn up I will talk to them through the door.    
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Ryanair - flight to Germany


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Ryanair:  We have booked and paid for return tickets to fly to Frankfurt for New Year - £300+ (visiting our son and family).  Since then, the German government has decreed British citizens non resident in Germany are not allowed to enter the country because of Covid restrictions. We have tried to contact Ryanair to find out we can do and offered to postpone until later in the year ie. not demanding a refund necessarily. We have had no success in even having a meaningful conversation with anyone at Ryanair - they seem to assume we are still going (reminding us about protocol and ordering food on the plane!) We have tried to explain we are not German citizens and therefore are barred from boarding the plane. What can we do and what are our rights?


Sue and Ivan Godfrey 

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I would say that the contract is frustrated "by operation of law" and effectively this means that the contract is voided and you should be entitled to your money.

It would be unlawful for them to carry you to Germany and it would be unlawful for you to go.

You haven't said what date you intended to go – but I would certainly put them on notice in writing by email and also by recorded delivery letter informing them that it is now impossible for either of you – the airline or you, to perform the contract because of legal restrictions imposed by the German government and therefore you are giving them notice that the contract is void.

See what happens – I expect nothing – and then come back here and we will discuss the next course of action.

However, a paper trail is essential.

How did you pay for the tickets?

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How much on the debit card?

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Send the letter which I suggested above.

Contact your bank immediately and begin a chargeback process. Your bank won't like it – but explain to them exactly what has happened and that Ryanair won't comply and that for them to perform the contract would be unlawful and therefore the bank has a duty to recover the money and to remitted to your account.

Make sure you get a reference number for this chargeback request and make sure it is confirmed in writing so that you have a paper trail for that as well.

Log onto PayPal and begin a dispute on exactly the same basis. You may have slightly more difficulty recovering your money from PayPal – but begin the dispute anyway. How much money are we talking about in respect of PayPal?

You can tell Ryanair that this is what you've done. Once again, expect to be ignored by Ryanair – but expect them to lurch into action the moment they realise that you are getting your money back by some other means.

Keep us informed

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Ryanair had been banning some people for obtaining refunds. Thats totally unacceptable and unfair, but I thought I might mention that in case you wanted to travel with them in the near future. I believe they have now caved and adjusted this policy. It might be worth mentioning this to them. I've put some links below


"Ryanair has promised to start refunding customers for cancelled flights within five working days, after criticism of its reimbursements policy during the pandemic."



Airline, which even barred some people who sought redress, commits to refunds within five working days



Ryanair has barred some passengers who received 'chargeback' refunds for Covid-disrupted flights from travelling with the low-cost...


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  • 2 weeks later...

Sorry to contradict Bankfodder: from my personal experience PayPal have been really good at refunding covid travel expenses. This is because most travel companies do not bother replying to the dispute within the timer (think it was either 30 or 45 days) and it will settle in your favour then.


If you have evidence that you contacted ryanair and they have ignored you, that should be good enough to immediately escalate the dispute so you start the 45 day timer.


I wouldn't put it past them to have a full team of staff dedicated to defending paypal disputes, in contrast to not having anyone reply to customers, but you can find out for us and let us know soon :)

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Don't worry about contradicting me if I have got it wrong about PayPal. The important thing is that the correct information gets out to the people who visit this forum.

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It starts when you escalate the complaint.  Paypal dispute has 2 stages:


Dispute raised:

-There paypal is just a communications tool and your messages are sent directly through vendor. If you have already attempted to communicate with ryanair don't put too many details on this part, just a brief summary as well as what you have already attempted to do.


Dispute escalated to Paypal:

-That's when you deal directly with Paypal and no longer communicate with the vendor. This is when the timer starts so do it asap.


At the 2nd stage make sure you fill the form very thoroughly with details of exactly what happened, how many times you got in touch and how many times they ignored you etc...

If Ryanair respond to your dispute Paypal will need to make a decision whose arguments were most compelling.


If they don't respond you auto win.

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