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    • The 3 pieces of mortar that fell on the same day, at the same time, were approx. 25-30cm long and weighed around ½-1 kilo each from a roof that is above the 2nd floor; they were by no means tiny pieces of mortar but large chunks falling from a rather great height. I believe the size and weight is enough to cause serious injury and if it falls on your head, I assume it could potentially be lethal if unlucky, but we don't wish to put that theory to test... We can't in good conscience let a contractor install a patio and a gazebo as it is in the exact spot where the mortar fell, nor do I think anyone would be willing to take the chance. Looking at the roof, there are multiple other remaining pieces from the same 'line' or 'row' of mortar that can potentially fall. The mortar is right underneath the slate tiles on the neighbour's roof and I don't know whether the tiles are also (becoming) lose due to the loss of the mortar. I was trying to upload a photo but it seems it's not allowed. The first contractor to work in our garden in preparation for the patio and gazebo is scheduled to start on 10th June, that leaves the neighbour 5 workdays to sort their roof which is unlikely, so it seems we will have to postpone our patio contractor without knowing when they can come back. We have already had extensive work done in the garden in preparation for the wedding reception and it will become very costly for us if we have to move the wedding reception to a venue (if we can even get one at this short notice) rather than have it at home which was our dream.
    • Is this sufficiant for a letter of claim  ? Letter Of Claim       Reference: Techzone Mobile Phones Samsung A71 Mobile Phone £140 Purchase date 29. 5. 24     I the claimant purchased a 2nd hand Samsung A71 mobile from Techzone Mobile Phone unit 10 of the indoor market at the Potteries shopping centre. Initially the phone worked well until I used the camera and found debris in the camera lens spoiling pictures making it not fit for purpose. I contacted the seller who offered a replacement which I initially accepted but later rejected and wanted a refund in full which the seller refused saying they Do Not give refund is unlawful and goes against the Consumer rights act 2015. Therefore I intend to issue proceedings against you in a county court without further notice unless you reimburse me the above amount in Full within 7 days from the date of this Letter     ------------------------------------------    I think its best if i hand him the letter as posting it might not get through so can claim expenses traveling up there ?   or would it be best to just post and get 'Signed for'  ?   Should i also put in the letter of claim interest added or leave that till the Particulars letter ?
    • Ok thanks, I really need help with my mental health over this I’ve called 111 Hi sorry just one more thing can they contact my workplace?
    • Sorry to shatter your leftie dreams 🤣😂🤣😂     Donald Trump gets a SIX-POINT bump in approval after being found guilty on 34 counts according to snap Daily Mail poll: 'I think it was a waste of taxpayer money' WWW.DAILYMAIL.CO.UK Teflon Don rides again, according to an exclusive poll for DailyMail.com which found that the guilty verdict in Manhattan... James Johnson, who conducted the poll, said Trump might be waking up as convicted felon but he was winning over the voters who matter.   Our snap poll of a representative sample of likely voters shows that for most Americans the trial has not changed their deep-set views of Trump,' he said.  'But amongst those who are open to changing their mind, people feel more positive by a margin of 6 points. That is outside of the margin of the error of the poll and we are saying that is significant. 'It extends to Independent voters too. Look at the explanations and it is clear why: people feel it was a politically motivated trial and view Trump as a "fighter" against what they see as injustice.     
    • Which Court have you received the claim from ?  Civil National Business Centre Northampton NN1 2LH Name of the Claimant ?  PRA Group UK Portfolios LTD   How many defendant's  joint or self ?  Just my self Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.    24th May 2024   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM     Particulars of Claim   What is the claim for – the reason they have issued the claim?  The claimant claims the sum of £22,000 for an outstanding debt owed. On 30/1/18 the defendant entered into n agreement with Lloyds Bank Plc for a bank loan under the reference 10017#######. On 4/1/19 the defendant defaulted on the agreement with an outstanding balance of £22,000. On 30/11/22 the debt of £22,000 assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the defendant in accordance with S136 Law of property act 1925. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND the claimant claims 1. The sum of £22,000. What is the total value of the claim?  £23,500 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?  Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address?  No - N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?  Bank loan When did you enter into the original agreement before or after April 2007 ?  No Do you recall how you entered into the agreement...On line /In branch/By post ?  I believe it was done online on their app Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?  Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.  Debt was with halifax, whom passed the debt to PRA Group. Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor?  I'm not completely sure at it was nearly 6 years ago, I have done a CCA request and they have sent a screenshot of their system showing it was sent. Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  Yes Why did you cease payments?  Couldn't afford to make payments. What was the date of your last payment?  August 2018 Was there a dispute with the original creditor that remains unresolved?  No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?  No
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Carphone warehouse 14 Day cooling off period??? Seems to be none existant???


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Hi, I was hoping to get some advice

 

My girl friend currently has a mobile phone contract with O2. The 12 month term has just elapsed so we went out shopping in search of another phone. We found a deal in the Carphone Warehouse that was of interest so we went with it!!!

 

The deal was also on O2. They didn’t offer her an upgrade option. Upon arriving home my Girlfriend contacted O2 to cancel her current contract and they offered her a much better deal than the one that car phone warehouse have just provided.

 

I was under the impression that everything purchased or signed up for carries a 14 day cooling off period. We soon found out this was not the case. I called up the shop were we purchased the phone and asked if we could return the phone with it being under the 14 day cooling off period.

 

The chap told me that a 14day cooling off period did not apply to this contract with O2. I was confused I called O2 and they confirm that with all of there contracts they offer a 14day cooling off period.

 

We called up the Carphone Warehouse head office and were told us that we could not cancel it.

 

I'm confused! :?

 

My question is this

 

Can the car phone warehouse get away with this???

 

Can I complain??? Any advice would be gratefully appreciated. My girlfriend is pretty upset about the whole thing. It’s costing her £15 per month extra and she still with the same provider she was before.

 

Thanks in advance

 

Kind regards

 

Kevin

 

:mad:

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I'd assume you still have the contract you've just signed in CPW? Have you read the T&C of it yet? Think your answer will be in there.

 

I think the cooling-off period your referring to is the distance selling regulations which wouldnt apply in this case. A retailer is under no obligation to refund/cancel something if you change your mind afterwards

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The problem and confusion you have is that CPWO2 and O2 are two separate networks. You were originally with O2 direct however you have just bought a phone from CPW on the O2 network. CPW operate their own service provider for O2. They buy the airtime from O2 and operate their own billing system.

 

O2 operate a 14 day return policy as used to be the norm in the industry. However things have changed and now CPW only operate a 14 day exchange and only on certain networks. You are free to swap the handset for another one and remain on the same network and in some cases you could also take a deal on a different network. However you may not return the phone and simply cancel the contract.

 

There is still one option open to you if you want to take the upgrade from O2 direct as it is a better deal. CPW's lifeline complete product offers the ability to cancel a 12 month contract after month 3 and an 18 month contract after month 6. It costs between £1.07 and £2.92 a week for the duration of your cover (3 or 6 months depending) but then you will be able to return the phone to CPW and cancel your agreement with them. However you will still have to pay both the insurance premium and the line rental for both phones until such a time as you can cancel it with the insurance. If you want to explore that option you can take the insurance out within 2 weeks of buying your phone.

 

Other than that your pretty stuck unless they will let you switch to a better deal on a different network.

All my posts are made without prejudice and may not be reused or reproduced without my express permission (or the permission of the forums owners)!

 

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  • 9 months later...

Hello All at Consumer Action Group,

Hope you are all well. This is my first posting. I thought a 14 day cooling off period was a statutory 'human right' in English or EEC law which could not be overridden by any manufacturer, wholesaler or retailer irrespective of their individual terms and conditions. Am I right in thinking this? look forward to your views.

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It would be nice, but no. This is a service contract, completed (usually) in trade premises, not the home, so no cooling-off period applies. Assuming for the moment that it WAS enshrined in law, you'd find they would ask you to sign the contract, and your handset will be delivered after 14 days. There is no 'approval' period, however networks will usually allow a new contract to be terminated (not an upgrade) if coverage is not viable at the consumer's address.

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  • 2 years later...

i been to citzen advice they told me if you were sold your mobile and they did not in form you right and they didnt not explain it correct then under cwr you can ask them to cancel your contract but they dont always do it im still fighting my case

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As usual, Citizen's 'advice' only tell a selected part of the story. There is NO REQUIREMENT for them to personally inform you of any 'rights' neither to they have to expain anything - THAT is what the contract is for. The consumer is expected to take cognisance of the terms and conditions. Should you sign after ignoring these terms, then you;re on your own and will lose.

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Carphone warehouse stores are given instructions from the networks in regards to returns but at the same time rarely acknowledge they do. So if you are told by the store you cant return it its because the network has told the store they cant. But when you phone up the network directly they will without fail always say that they cant see why theres a problem with returning it and tell you to go to carphone warehouse to return it.

 

If you have broken the sim card out of its little credit card thing, then that is an acceptance of the contract and you will not be able to return it after that, unless it was faulty of course.

 

I think it was mentioned earlier but the 14 days return policy is only guaranteed when you purchase something through distance selling, for example over the phone or on the web.

 

Hope that clears everything up.

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Afraid that is nonsense. CW may like to THINK that inserting the SIM and turning of the phone IS an acceptance, but for coverage issues - where there is no coverage in the areas where the customer intends using the phone, the contract can be repudiated and returned. If CW refuse to take it back, then it can be returned to the network directly, and tho cost for shipping it recovered. The TIME allowed to discover this is not specified, but the outside timeframe is 14 days, and this has NOTHING to do with DSR, which would only apply to posal/ail order transactions. If what you describe is CW's 'policy', then it is clear that nobody should consider purchasing any contract handset from Carphone Warehouse due to their inability to provide the same returns service that the networks provide through their own retail chains.

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  • 1 month later...

Obviously its not always going to apply, if like you said the network coverage is rubbish then that would be something you wouldnt know unless you put the sim in. Also some networks, im thinking o2 and possibly vodafone have a 14 day return on contract phones regardless of if you have used it. You just have to pay for the usage that you have built up before returning it.

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