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    • Thanks for your prompt reply. I have some questions, please: When you say nothing will happen, my 80 year-old mother is worried about potential DCA doorsteppers if/when the debts are sold on - she is a very sweet, quite vulnerable lady and she is worried she may be bullied and harrassed.  If they do come knocking, what should she say?  I told her to say she knows nothing about any of it and they have no right to come knocking on her door and to warn them police will be informed if they come back.  Problem is, I don't think she would be strong enough and can easily be bullied into saying more than she intended once the door has been answered. Next questions: 1)  Should I inform all my lenders that I have moved abroad before defaulting (to avoid the quirky English law loophole thingy that could end up in a CCJ or worse once a DCA gets hold of it)?  2)  Can/should I provide an alternative UK correspondence address to my lenders instead of my mother's home address e.g. my virtual office address for my business - would the lenders accept this as I live abroad now and don't live at my mother's address?  Can I just write and tell them, without any further ado and not get into any further questions about it and cease further correspondence with them and default?  And would this stop DCAs coming to my mother's house as it would not be my current residential address on the lenders files when passed to the DCA?  Do they doorstep previous addresses? 3)  If I don't provide a UK correspondence address will I be at risk of not being aware of any Letters of Claim etc and legal proceedings notices etc not reaching me (there's no reliable postal system in the developing country I've moved to).  Worried this would mean I could end up being taken to court without being aware of it and could end up in a worse situation. 2) What exactly will go on my credit file once I've defaulted, assuming no legal action is taken against me?    4) Should I contact any of my lenders and inform them I have zero assets.  TSB & Sainsburys already have I&E info from me which shows my income  @ £1200/mth is below the combined total of my debt repayments @ £1300/mth and that my income only just covers essential costs of living @ £1200/mth.  Could it be useful to be on my file that I have no assets, so that the DCA clearly see this when the debt is passed to them? Thanks again for any advice.
    • paypal, but i would like to know if anyone knows if there is a certain time limit they have to refund you? thanks
    • Dear lookinforinfo, I'm sorry if I seem stupid, but what exactly am I telling them? -what code/ law / standard have they broken that I will use as an argument in letter? I don't understand the premise of your argument.  I would appreciate it if you could explain it to me clearly and in simple terms so that I understand.  Thank you   
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Getting the runaround trying to get a refund for an order Currys cancelled


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Hello,

 

I hope somebody can give me some advice or an alternative approach to try.

 

I had £200 Currys egift card and placed an order online for the same amount. Currys then cancelled the order and the cancellation email said no money would be taken but when I checked the balance of the card it was £0. I contacted Currys through the online chat and was told the refund would go back on the card in 5-7 days. I waited a week but the balance was still £0. Contacted Currys again online and was told that the refund was being processed and they would be sending out a new gift card by post, which I should receive in 7-14 days. Two weeks later I hadn’t received anything and balance still showed as £0. Went to the online chat for a third time, this time I was told that there had been a “technical error” and that they would email the “back office” to get it sorted. I asked how long it would be before I would receive the refund and was told I should get an email response within 24 hours. So I gave them several days and when no response nor refund was received I decided to give them a call. I spoke to the operator and was told a similar story, he had to email the relevant team and they would get back to me in 24 hours. Pointing out that that’s what I was told four days ago, the operator responded with “that’s the timeline they’re given”. I asked if I could be copied in to the email so I could chase it up myself but was told it was not possible as it was an internal system.

 

So here we are a week after the phone call and still nothing. Not sure what else I can do other than keep contacting them and going round in circles again? All contact avenues appear to lead to the same frontline team, who seem completely useless when it comes to resolving this. Any help would be appreciated.

 

 

Hello,

 

I hope somebody can give me some advice or an alternative approach to try.

 

I had £200 Currys egift card and placed an order online for the same amount.

Currys then cancelled the order and the cancellation email said no money would be taken but when I checked the balance of the card it was £0.

 

I contacted Currys through the online chat and was told the refund would go back on the card in 5-7 days. I waited a week but the balance was still £0. Contacted Currys again online and was told that the refund was being processed and they would be sending out a new gift card by post, which I should receive in 7-14 days.

 

Two weeks later I hadn’t received anything and balance still showed as £0.

 

Went to the online chat for a third time, this time I was told that there had been a “technical error” and that they would email the “back office” to get it sorted. I asked how long it would be before I would receive the refund and was told I should get an email response within 24 hours.

So I gave them several days and when no response nor refund was received I decided to give them a call.

I spoke to the operator and was told a similar story, he had to email the relevant team and they would get back to me in 24 hours.

 

Pointing out that that’s what I was told four days ago, the operator responded with “that’s the timeline they’re given”. I asked if I could be copied in to the email so I could chase it up myself but was told it was not possible as it was an internal system.

 

So here we are a week after the phone call and still nothing.

 

Not sure what else I can do other than keep contacting them and going round in circles again? All contact avenues appear to lead to the same frontline team, who seem completely useless when it comes to resolving this.

 

Any help would be appreciated.

 

Edited by BankFodder
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Please note that I have had to restructure your post and introduce spacing to make it readable – especially on a small screen such as a telephone.



Firstly you should appreciate that you are dealing with Currys. This company is legendary for its poor customer service either because of failing systems, poor staff development or simply bloody-minded refusal to honour their own customers contractual rights.

These people need to be bullied and we can help you do it.

On the basis of what you say, if you start small claim in the County Court your chances of success are 100%.

I suggest that you don't muck around and that you send them a letter of claim giving them 14 days to return the money to your account or the credit to your account or else you will see them in the County Court and without any further notice.

This would not be a bluff. It may produce the result you want but it is very possible that you have actually to issue the claim. It's incredible that one has to do this on such a cut and dried issue but that's Currys for you.

If you do do this then you will also be able to add interest 8% onto the money you are claiming which isn't bad at today's rates.

You will also recover all your costs.

Let us know if this is the way the would like to go. I'm afraid it's the only thing that is going to attract their attention and get them moving but if they don't comply with your letter of claim within the 14 days then you must absolutely issue on day 15 otherwise you lose all credibility.

 

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AFAIK they can't refund to an egift card.

 

they will issue a new egift 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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If you have to take them to court then you would sue them for the value of the gift card and a judgement would order them to pay the money.

Frankly if it gets to issuing proceedings then I would start negotiating either for the cash value of the claim or a more valuable gift card in return for withdrawing the claim.

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Thanks for the responses. Based on what I read in other Currys threads on here it’s pretty much what I expected.

 

Would there be any detriment in waiting until January to send a letter of claim? I’m reasonably happy with proceeding with one but I’d rather avoid legal deadlines being wrapped up (excuse the pun) in Christmas delays with post and bank holidays. Plus 15 days from today is the 25th December and I’m just not that much of a Scrooge to issue court proceedings on Christmas Day 😆

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No disadvantage at all.

Send the letter of claim and follow-up on day 15 – when you are ready

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have a read of this:

your might find it useful

 

dx

 

 

 

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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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