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    • we also need aLL the exhibits too. please. you dont respond to them no. thread title updated.
    • Looking for some help and advice please. My fiancé purchased an engagement ring from H Samuel on the 8th May 2023. He opted for their design service as I love rainbow moonstones and diamonds, and he wanted it to be unique. He collected the ring on 20th June 2023, the cost was £1626.00 Shortly after, he proposed and I began wearing the ring. Within a matter of weeks, I noticed the main stone had fallen out. I was devastated. We took it back to the H Samuel store and was told that they would send it back to the people who made the ring, for their advice. If they felt it was damaged by me, we would need to pay for the repair. I was horrified as I had only worn it for a few weeks and had done nothing, that could be considered damaging it! I pointed out that this was an engagement ring and they had known this all along. An engagement ring needs to be robust as it is meant to be worn all the time. They took the ring from me and sent it away. They had it for over a month and then came back to me to say they would repair it free of charge on this occasion. When I collected the ring, they had replaced the original moonstone with one which was completely different. It really didn't look very attractive at all. A plain white stone with no colour and resembled a lump of plastic. I was so upset.  I told them I was unhappy with the look of the stone and it wasn't what we had wanted when we had the ring designed. They took it back and after another month, contacted me to say I could collect it. They had replaced the stone and the ring looked a lot better. I began wearing it again, but after a few weeks I noticed the stone was loose again. I had to take the ring off because i was frightened of losing the stone again and have not been able to wear it since.   I contacted H Samuel again, but this time requested a refund. The ring is clearly not fit for purpose as it can not be worn for more than a few weeks without the stone coming loose or falling out. The manager said that it was my fault as I had damaged the ring and they were unable to do anything else. There was no damage to the ring and this seemed to me to be just a way of avoiding doing anything. I took the ring to an independent jeweller who told me that the design was flawed and they agreed the ring wasn't fit for purpose as an engagement ring. The jeweller put that in writing for me and also confirmed that there was no sign of any damage that could account for the stone coming loose. I sent an email to the manager of H Samuels, attached the email from the jeweller and several pictures of the ring, showing that the stone had come lose again. I requested a refund as I has given them ample opportunity to fix the ring but it was not fit for purpose and could not be worn with confidence. He responded by saying they wanted to take the ring back to assess it. I replied that they had already had it twice and I do not believe they could do an impartial report on their own work. I suggested that if they were not prepared to accept the word of the jeweller I had already seen, we could agree upon another independent jeweller and have another report done, which we would agree to abide by the findings. He completely ignored this suggestion and has not given me a refund.   Getting engaged should have been one of the most special times of our live, but H Samuel have completely ruined it. We have both been through so much hurt and upset over this and just want our money back, so we can buy a ring that I can actually wear. I seem to be going around in circles here and it is clear, they don't care and do not intend to help. I am just looking for advice on what to do next please?  
    • it is NOT A FINE.....this is an extremely important point to understand no-one bar a magistrate in a magistrates criminal court can ever fine anyone for anything. Private Parking Tickets (speculative invoices) are NOT a criminal matter, merely a speculative contractual Civil matter hence they can only try a speculative monetary claim via the civil county court system (which is no more a legal powers matter than what any member of Joe Public can do). Until/unless they do raise a county court claim a CCJ and win, there are not ANY enforcement powers they can undertake other than using a DCA, whom are legally powerless and are not BAILIFFS. Penalty Charge Notices issued by local authorities etc were decriminalised years ago - meaning they no longer can progress a claim to the magistrates court to enforce, but go directly to legal enforcement via a real BAILIFF themselves. 10'000 of people waste £m's paying private parking companies because they think they are FINES...and the media do not help either. the more people read the above the less income this shark industry get. ............. also there is no such things as the OWNER in private Parking Speculative Invoice  its the REgistered Keeper on the cars V5C. dx  
    • Today we received a copy of the claimants N244 application for Summary Judgement. I have uploaded a redacted copy. Outstanding amount is wrong as mentioned before and no mention about the incorrectly caculated and duplicated interest under section 69 within the PoC mentioned in our defence. Looks like they want our defence struck out. The claimants solicitor asks us to acknowledge safe receipt. The envelope was already open when it arrived (I guess was not stuck down properly). N244 application for summary judgement.pdf
    • Thanks for all the help which I’ve learnt more in the last few days from the people on here, I only wish I’d come here sooner. like I’ve said before I’ll take all the advice to heart and try and get these problems sorted. ill keep you informed and will ask for help where it’s needed. cheers.   
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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.

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I have been victim of crypto fraud

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I have been scammed by remote job offered by person who claimed to be representative of Hotwire Global Communication company by impersonating their logo and address. 

The job was to submit tasks on Hotwire online platform for App optimisation and earn commission as tether usdt cryptocurrency. 

Initially I was earning good commission and able to withdraw funds

representative lured me go upgrade my vip level to earn higher commission

that is when I started to get negative balance which I was told to clear by converting money into crypto as I will be able to withdraw all of the funds including my commission at the end

when I completed all the tasks scammer took all the money by saying all my money went to wrong crypto address. 

When I looked online I found that there are many such scams are happening and that is when I realised that I have been scammed. 

I have raised this case to Action Fraud and also to my bank

I have lost lots of money and I am very worried and want to know if there are any chances of getting my money back?

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i doubt it.

if something seems too good to be true it normally is.

why did you give some stranger access to your pers bank account..surely that should have been a VERY big red flag....


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 didn't give access to my personal bank account but I got scammed where platform I was doing job accepts crypto and not normal currency

I lost my money by converting into crypto and then sending it to wallet which I thought belongs to Hotwire.

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and all of this over the months.... years? you did this didn't ring any alarm bells to you..........

1 hour ago, simonhill said:

remote job offered

on what platform?




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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The reasons why scammers, hackers, tax evaders, and mafias around the world love crypto so much is that it's untraceable. And any money sent to a wallet that's not yours can be considered lost. (Remember that song about democracy activists using crypto to escape evil government oppression? A nice tale... your average crypto user is a crook)

Hopefully there will be other ways to find the international organised crime network behind your scam, but that will be for the Police, and it's a slim chance. Have you been to Police yet? (not sure what Action Fraud counts as, they seem pretty powerless)

If anything thank you for telling your tale so that others can be warned.

A real employer in the real world will never, ever, ask its employees to send it money (other than petty cash). It just doesn't work that way.

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I have been told by AF that they have prepared a report and sent to NFIB for investigation however it takes minimum 28 days for NFIB to pick up case.   I have provided all WhatsApp contacts to AF and also url of the platform but not sure if NFIB can track those WhatsApp numbers.

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Sorry if this makes it worse but that message is generic, nothing will happen.


You'll get another generic one saying thanks for reporting but we aren't taking further.


Banks have a duty to refund if you acted with RC&S but from this it doesn't seem like you did.


What bank is this please?


Have we helped you today?         Please Donate button to the Consumer Action Group The National Consumer Service


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