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    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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    • Thank you dx I'll get on with it  Much appreciated  H
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Refusal of Distance selling regulations. Looking for clarity. @Argos_Online


Jambomakaveli

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My father purchased a £500 iPhone for my mother, he did this on the argos website and paid at the time of order with his debit card. 
 

phone was collected the following day. 
 

After assessing it for around a few hours, my mother wasn’t happy with it. 
 

I have tried to return the phone under the CCR regulations, specifically distance selling
 

this has been refused. I have escalated to customer service and been told firstly I can’t return it under distance selling because it’s been opened…. And then told after that electrical goods of any kind are exempt from the distance selling laws. 
 

I’ve also been told by the store manager that upon presenting my order number in store I could have asked the staff member to open the item so I could inspect it and then refuse it. 
 

surely that means though I could just reserve an item everyday for the next year, and then go into store and ask them to open it, breaking the seal etc and then refusing it? If everyone done that, they wouldn’t have a business. 
 

I guess I’m just looking for absolute confirmation from someone in the know or who has been through the same, if I purchased the item online, and paid for it online but then collected from store, does this still fall under the distance selling laws?

 

it’s a David vs Goliath and I’m struggling to keep going, but I’m trying to hang in there. 
 

I’d just like to know for sure before I properly take up the fight. 
 

im really grateful to anyone who can provide any help or advice. 

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as this was paid for online, under consumer law, you have the right to return it for no reason. 

just be aware that most of what you now talk of comes under the consumer right act 2015 now.

there are of course things like make up etc that cant be returned unopened, but electronic are not one of those.

 

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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From having a read of the site before I joined, I genuinely hoped that you would reply to my post. Lol. 

you seem very knowledgeable. 

argos’s current stance was that yes it was paid for at distance and not in a physical store and I couldn’t inspect before purchase, but had the opportunity to ask to do so when collecting. 

not to anger you, and I’m sure you’re right….

you’ve seen a few of these before, and paying and then collecting in store would absolutely still qualify as a distance sale and be subject to the distance selling rules

thank you for your help.

I really appreciate it. 
 

 

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Goto another agos outlet or go above his head and email the ceo. 

They cannot refuse

 

Dx

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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Thanks again for your help and knowledge with this. 

I did go above him, or I guess it was.

I spoke with the customer service team who were the ones that told me it wouldn’t be returnable under distance selling because it had been opened, and who also stated electrical items are exempt from distance selling

I’ll have a go at the CEO and see where that gets me. 

really appreciate your help. 

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1 hour ago, Jambomakaveli said:

who also stated electrical items are exempt from distance selling

they are not.

PA...just type no need to keep hitting quote

  • Like 1

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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being the stresser that I am, I’ve tried to get as many viewpoints as I can.

I’m pretty dismayed with one I’ve received on Reddit, whereby someone thought I had a good case, but have now backtracked, and gave some Argos terms and conditions which have me worried. 
 

They firstly wrote to my query… 

OP, this is a straightforward cancellation under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, which replaced the Distance Selling Regulations. That you picked it up from an Argos store is irrelevant - it was a distance contract because you didn't get to inspect the goods before making the purchase.

As your parents cancelled the contract within 14 days of taking possession of the item, by bringing it back to the shop, they do not need to prove that there is anything wrong with it at all. The 14-day window for a refund technically started on the day you (tried) to return it. However, as it is on you to show that you cancelled it, I suggest you do so in writing to Argos.

Please also complain to trading standards (you must use the Citizens Advice Bureau to do this now) about Argos's behaviour - we see this problem here on a regular basis.

he has then since came back with this…

In the Regulations, reg 5 provides that "distance contract" means:

a contract concluded between a trader and a consumer under an organised distance sales or service-provision scheme without the simultaneous physical presence of the trader and the consumer, with the exclusive use of one or more means of distance communication up to and including the time at which the contract is concluded;

Argos's terms and conditions say that the contract is not concluded until the goods which you have already paid for have been collected (clause 2.3).

Depending on how "collected" is interpreted, this may not be a distance contract after all, because the contract was not "concluded between a trader and a consumer ... without the simultaneous physical presence of the trader and the consumer," and there was not "the exclusive use of one or more means of distance communication up to and including the time at which the contract is concluded".

Argos's position would be that you could have arrived at the front counter, had the iPhone brought to you, inspected it, and decided not to take it. That would have meant that the order was not "collected", so the contract was not concluded - there was no contract.

At the point you decide to accept the iPhone, the item is "collected" and the contract is concluded - but as this was on their premises, it cannot be distance selling within the meaning of the Regulations.

I must admit, it's a new one - I can't find mention of them adopting this position successfully anywhere online but I'm afraid it is fairly legally compelling.

To counter this, you would need to try and show that the term around when the contract is concluded is a sham or unenforceable term, or more likely unfair, but even with the considerable leeway afforded to consumers in consumer contracts, you may struggle to defeat privity of contract.

I think go back to trading standards and see where you can get.

 

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the item was paid for before the buyer ever physically saw it.

end of ....an online purchase.

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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Shocked at Argos' stance on this, after my recent dealings with them.

Purchased a laptop and after a month the battery went dead.

They simply exchanged for a new one with no issue, even though they did not have to.

My question being,

can you confirm how long after you purchased the phone did you go back and ask for a refund?

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I purchased the phone last Sunday evening, online, and paid online. 

it was collected in store on the Monday afternoon, and then the return was attempted the following day, the Tuesday. 

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The first thing you need to do is for your father to send Argos customer services an email saying he wishes to return the item within the 14 day cooling-off period under the Consumer Rights Act 2015.

This is important because he needs simple proof to back up his request, as they are being stubborn.

Enclose a copy of receipt details so they can locate the sale,

Distant selling regulations will apply as he made the contract online with the retailer and they took the payment.

The contract is between your father and ARGOS.

He has to cancel the contract and receive a refund back to his debit card.

You cannot act on his behalf (Privity) as a third party and they have every right to refuse to deal with you if they so wish.

Data Protection the number one issue.

How you received the goods is irrelevant.

A retailer's terms and conditions cannot derogate statutory obligation.

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The right to return a non faulty items within 14 days if purchased 'online' is nothing to do with the consumer rights act...

 distance selling comes under The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013

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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Posted (edited)

To be fair, all the previous consumer statutes now come under one umbrella. That being the Consumer Rights Act 2015.

 

Regulations are statutory instruments, being  secondary legislation to the original statutory act of parliament.

Edited by whitelist
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there is nothing within the consumer rights act that gives a consumer the right to return a non faulty item bought online within 14 days.

that is covered by the ..

WWW.LEGISLATION.GOV.UK

These Regulations implement most provisions of Directive 2011/83/EU of the European Parliament and of the Council of 25 October 2011 on...

 

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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Posted (edited)

Never said it did?

 

Simply stated, one statutory act of parliament contains the regulations with previous consumer protection legislation

.

 

Edited by whitelist
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