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    • its not a 'payment limit'...i just want to know if theres any thing in comsumer law that says they can not take over 45 days to refund me. do you really think its fair they withold everyones refund and earn interest on the funds in their corperate account?   as i said before(after trying to sort it for a couple of months with HP not replying, not offering a solution etc) i emailed 3 different people from different departments every day for over a monthas they wouldnt tell me when the refund would be - they just keep stringing you along. they are a nightmare to deal with or get any results in a timely manner. i phoned various departments all of which took hours at a time as no one could tell me when i'd get my refund and why ive not got my refund so far. i had to wait 6 days for a parcelforce label because they sent emails for the return without the actual label to print out...so i had to keep emailing them saying 'theres no label' only to receive a pre-typed reply with 'here is your label' that didnt contain an attachement with the label. so i had to ring parcelforce and then they arranged a collection that didnt turn up (after waiting in all day) so then had to start emailing incompetant HP again...and the cycle continued. i even joined their forum in hopes that someone would sort it...so wasted time on there explaining everything to someone who said they would get it sorted...then after a few days of no reply i had to email them and they would reply with general bs like "yes its getting refunded now"...then i asked when and they wouldnt reply for days which prompted more emails etc etc etc i made 3 official complaints ....all of which just got marked as 'resolved' just because they answered me with "your refund will be processed"..so i emailed back questioning when it will be refunded ie a date and then receive another reply of "we are dealing with your request and investigating this"...leaving you in the lurch with no definite answer. there are other customers on their own forums saying the same thing - some have been waiting 60 days or longer.... but dont take my word for it...buy something from them and then see how bad they are when things go wrong and how much time will be consumed in your day just trying to get a simple answer like what day you will be receiving your refund...as they never told me. i just had to wait for over 45 days in the hopes that they actually would refund me sometime this year! aftter a month citizens advice told me to write letters and send recorded delivery in case they never did refund me. this took hours of my time and going to the post office or getting someone to do it is inconvenience as i have a mobility disability. its like banging your head against a brick wall with them...which is why all i want is  to be forearmed as i dont want to be going too and throw for another month establishing that they do have to compensate me for the time/ emails, lost interest of my money and postage for the recorded letters etc etc etc
    • Topic title amended https://www.gov.uk/accepting-returns-and-giving-refunds#:~:text=You must offer a refund,of receiving the goods back.     .  
    • threads merged for clarity. Looks like they've accepted F&F and you have proof of acceptance. See what they say on your credit report, it can take a couple of reports to update depending on when Barclaycard declares it as partially settled/satisfied. Best not to post up and go radio silent though. 
    • So you have your refund? If you have your refund what's the problem?? What money have you wasted in getting a refund/ how have you wasted money in getting a refund? You can't sue them because they took too long to refund. The emails I gave you earlier were because I thought you didn't get a refund yet. If you already have it im not sure what your expecting?
    • Octopus are very approachable so I would suggest you contact them, advise them paying the amount in one go is going to cause you hardship and ask if it could be paid off at an agreed rate of an additional £xx to the next few months bills. I'd be surprised if they didn't agree.
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Slander


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I'm sick and tired of people slandering me.

It has been bought to my attention that a person from my past has been spreading lies about me.

 

Is there a template letter that I can send to them to make them stop?

A Cease & Desist maybe?

 

Any info highly appreciated

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Hi bwdski :)

I thought you might be interested in this site I have discovered,it is expertlaw.com/library/personal_injury/defamation.html (about slander and defamation of character) give it a good read and it may give you good advice that you need right now,if this fails take yourself down to your local CAB or give them a call.

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Hi bwdski :)

I thought you might be interested in this site I have discovered,it is expertlaw.com/library/personal_injury/defamation.html (about slander and defamation of character) give it a good read and it may give you good advice that you need right now,if this fails take yourself down to your local CAB or give them a call.

 

Thanks mate for the info - will give it a good read through

Quite an interesting piece, but American !

 

Indeed, looking for UK info really, but might be good to get pointers

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Hi StormWarrior:)

Yes you are right, I suppose I was more concerned with the contents.I know I am not an expert in law and I am not quite sure how much American and English Laws differ,I just hope some,if not all of the info will help. x:)

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The biggest problem with Defamation cases is the cost!

 

The costs of a defamation action are likely to be substantial. An action for defamation must be started in the High Court which is very expensive. Legal Aid is not available and the you may be left with a great deal of legal costs to pay. Indeed you may at an early stage be required to deposit funds with the court as an indemnity for future costs. Whilst this would be recoverable in a successful case it does mean a considerable investment at an early stage.

 

It's one of the reasons only rich people sue for defamation.

I don't always believe what I say, I'm just playing Devils Advocate

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Only problem is if this person can prove (somehow) that they have reason to believe it is true then you are wasting your time, i am no specialist but slander is a hard one.....

Long time ago in a galaxy FAR FAR AWAY, there lived an elf who shot banks for a living.........

Now through the power of the internet there is the CONSUMER ACTION GROUP,

 

Watch out they are getting crafty those pesky CRITTERS!

 

Banks will tell you their charges are transparent!

So is the invisible man but that does not mean he is fair or lawful.

 

DONT GIVE UP! FOLLOW THE CAG ADVICE AND RECLAIM YOUR CHARGES.

CAPITAL BANK! YOU ARE NEXT.

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Only problem is if this person can prove (somehow) that they have reason to believe it is true then you are wasting your time, i am no specialist but slander is a hard one.....

 

cheers mate.

 

Just thinking out loud here...

 

Is there a letter I can send to the individual and their family to stop them contacting me or my Girlfriend again?

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I've afraid my understanding on this is similar to what has already been said. As an average individual you have virtually no practical protection against slander for two reasons (a) it is very expensive to prosecute and difficult to prove (b) the sums you are likely to be awarded are comparatively low unless you are in the public eye.

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Guest strangewayofsavin

I think they may be more worried about getting it stopped, rather than cashing in

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I dont see why not, it is your human right to live your life in peace and harmony free from certain crap etc.. so you should be able to send them something telling them you do not wish them to contact you or yours again...the european human rights act has something on this but i dont know how to go about finding it...if this was to be backed up in court you would need to provide proof of harrasment and apply for a court order or injunction.

good Luck

Long time ago in a galaxy FAR FAR AWAY, there lived an elf who shot banks for a living.........

Now through the power of the internet there is the CONSUMER ACTION GROUP,

 

Watch out they are getting crafty those pesky CRITTERS!

 

Banks will tell you their charges are transparent!

So is the invisible man but that does not mean he is fair or lawful.

 

DONT GIVE UP! FOLLOW THE CAG ADVICE AND RECLAIM YOUR CHARGES.

CAPITAL BANK! YOU ARE NEXT.

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I've afraid my understanding on this is similar to what has already been said. As an average individual you have virtually no practical protection against slander for two reasons (a) it is very expensive to prosecute and difficult to prove (b) the sums you are likely to be awarded are comparatively low unless you are in the public eye.

 

Thanks for the input

 

I think they may be more worried about getting it stopped' date=' rather than cashing in[/quote']

 

I have no intention of receiving any monies from these ****, the least I have to do with them the better

 

I dont see why not, it is your human right to live your life in peace and harmony free from certain crap etc.. so you should be able to send them something telling them you do not wish them to contact you or yours again...the european human rights act has something on this but i dont know how to go about finding it...if this was to be backed up in court you would need to provide proof of harrasment and apply for a court order or injunction.

good Luck

 

Thanks delboytrotter.

Am looking for a "Letter Before Action" kind of thing.

Seems that I'm fighting a losing battle with regards to stopping them slandering me....

 

Just want them out of my life

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The more I think of this, the more annoyed I'm getting.

 

There must be a template somewhere that I can use to tell them to leave me alone.

I don't want them to approach me or my family again.

This is going beyond a joke and is threatening to ruin my relationship with my girlfriend

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How are they contacting you?

 

In certain cases a restraining order or ASBO may be applicable I believe.

 

They're telling lies about me to my Girlfriends mother, who passes everything on to her.

 

I'm absolutely livid right now.

Maybe a mountain out of a mole hill, but I'm sick and tired of it

 

Want to get a letter out to them before I get the law involved

Needs to be a letter because I'll lose my rag if I talk to them directly

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Well then is that not down to a) your girlfriend listening to you (and not them) and b) your girlfriend's mother to take out an order depending what's appropriate?

 

My Girlfriend listens to her mother and has assumed it's true (The lies)

I think my girlfriends mother likes hearing these things, so she can pass them on.

 

Want it nipped in the bud before it gets out of hand

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