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    • Of course it could be the same company trading under variations of the same name in order to dilute their bad reputation. In terms of the money you paid, section 15 of the Supply of Goods and Services Act says that where a price for services has not been agreed then a reasonable price will be implied. I gather from what you have told us that they give you the price in advance and you agreed. I'm afraid that on this point, you would be bound to pay the price because contract law does not help people to make good bargains. It simply requires the people stick by the bargains they have made. On the other hand, if they undertook to do a certain job of work and to achieve a certain result – and that result wasn't achieved then you certainly have an action against them. The problem is that a company like this may be difficult to get hold of unless they have got a very clear office or workplace and some assets. The second problem is that you would probably be required to have given plumbforce the opportunity to come back and try again – and unfortunately you didn't do that. This means you tried to make a claim against them, they would probably argue that these plumbing problems they always take one or two goes to fix and that a reasonable person would give them an opportunity to sort it out before going elsewhere. I'm sure you're absolutely right and these people are completely overpriced – and it seems that they have done a bad job – and of course the reviews don't do them any favours. However, I think you're going have difficulty getting your money back on this – although if you want to try, will be very happy to help you – but I'm sure that it will go to a small claim in the County Court. Of course this would be an interesting exercise for you if you have the energy. It's quite simple – but of course you do risk your claim fee and your hearing fee if you lose. I can imagine that if you produced evidence of their reputation and what has happened in court that the judge will be disposed to find in your favour regardless of the arguments which I have suggested that they might put forward. The final risk could be that they would say that you are only entitled to recover the cost of the second plumber required to finish the job that you had paid Plumbforce for. In other words about a hundred quid. It's not a bad argument – I don't know if it is a winning argument – and as I probably wouldn't bother to be represented, they might not think of it for themselves. However, I'm just letting you know of all the possibilities in this problem. Of course I think one of the lessons view is to make sure that you get at least two quotes for everything – even if it seems to be an emergency. When your new home, it's worth making sure that you gather a list of reliable support services – either from your experience or from the experience of neighbours who will already have been through it. That way you can be reasonably certain that if you have any other problems with heating or lighting or water – et cetera, you will have one or two numbers to hand that you can call on with a certain amount of confidence.
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JimmyTheOne

CHIP & PIN Fraud Alert

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Remember MP3's being used to capture consumers card details and PINs at stand alone ATMs?

 

Here's the latest wheeze - Chip & PIN Fraud Alert.

 

You're supposed to keep your PIN secret - difficlut when someone like this takes advantage of OAPs.

 

I wonder if the OAP victims will be accused of being negligent with their PIN?

 

Or I wonder if card issuers will have the decency to offer them Chip & Signature Cards? They may even tell consumers that Chip & Signature Credit Cards are an option for anyone?

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Complaints to the Ombudsman relating to credit card fraud have risen by about 20% since last April. This follows an increase of 40% in the previous financial year.

The concern now is that banks and credit card providers are using the pin-encryption on cards to shift the blame for fraud onto the customer. If a PIN has been used to extract funds, banks might assume that the customer has acted negligently and is therefore liable for any losses.

 

Story Here.

 

FT (Gist)

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I know two people who have had their PINs compromised and money taken; 'twas a few months ago. The line from the banks concerned was basically: "You must have left your PIN lying around, you naughty customer you. Oh dear, we can't even trust you with a four digit number. Be more careful next time. By the way, no refund." Makes your blood boil; we knew that this was just a loophole to be exploited to the banks' advantages when the system was first being talked about. Sometimes it's nice to be proved right; in this case, I would much rather have been wrong. :Cry:


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Click the scales if I've been useful! :)

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OAPs are well advised, indeed everyone else to restore the balance of security had get a Chip and Signature card with all speed.

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I keep meaning to, it's on my never-ending list of Things To Do. I've only got the one, and don't like it.


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Click the scales if I've been useful! :)

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Do be aware of the Gotcha - if you use your card for ATM witrhdrawals, the removal of the PIN from the chip, ALSO results in the removal of the PIN from the Mag stripe, so it'll be supermarkets for cash witrhdrawals. Who would have thought their 'sig' solution would have been so half-baked!

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AIM: To minimise the RISK of becoming a plastic card fraud statistic. Where, if you are a victim, you're not beleived that you haven't been careful with your PIN.

 

A suggested remedy:

 

Any card that has a VISA/MasterCArd/Eropay etc logo - can be used with a PIN in a shop - Bin the PIN and replace these cards with Chip & Signature Cards. All Credit Cards - is a must - no PIN.

 

Solution: Keep one card with a PIN - preferably a banks own savings account card. Keep small amounts of cash in this account and transfer money into it if and when needed: (These types of cards can't be used in shops).

 

OR use only one PIN with your Debit Card. Lloyds TSB for instance provides customers with a Debit card that has a PIN factily for ATM withdrawals but cardholders continue to sign in shops.

 

Why change all your cards to operate with the same PIN when you don't need have PINs for these cards in the first instance?

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