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    • This is the full SAR documents that I received. It includes the proof that they deliberately chose not to give me a physical PCN at the time of parking. W3 SAR documents .pdf
    • for the sake of history, i've merged your old sadly failed charges reclaim court claim. have they ever sent you a default notice regarding this mortgage? dx  
    • I am financially at  point where I can see the light at the end of the tunnel regarding my debts. I have one remaining and I am interested to see what my options could be. I have be in contact with the Citizen’s Advice Bureau and the National Debt Helpline, but their advice has been a little more generic (but still helpful). This debt is 12 years old and is now owing around £3k. It was a bank loan and has been passed to several creditors over the years. A payment plan has always been in place and is up to date. I get statements every 6 months. There has never been a CCJ. I have been sent the letters advising of change of ownership. Following my own review of my finances, I decided to contact the current creditor to see if they have a copy of the credit agreement. I regarded this as due diligence as the debt has been sold on several times. The creditor updated me several times saying they had requested the document from the original lender. After 12 months of this they wrote to me saying they had not received it but were still waiting and would send it once received. The last letter was over 6 months ago. I then submitted a freedom of information request to the current and original creditor. The original creditor supplied one, but the current one did not include one in the pack they sent me. I went back to them to ask specifically about this as it was what I requested in my request. They replied saying the debt was sold to them as one without the credit agreement and they did not have it. They have requested it above, so I believe that means they cannot obtain it either for the FOI request. I contacted the original creditor and exercised my ‘right to be forgotten’, under the Data Protection Act, which they have complied with. I also got my up to date credit file and this debt is not showing on it with the current creditor or any others. I contacted the creditor and made them an early settlement offer. They do have an early settlement offer in place on their portal, but I was advised to try to get a reduction via negotiation. I have not heard back from them yet, but I understand through a separate upheld compliant it has or will be refused. Due to this complaint and the creditor putting the account on hold I had stopped payments, and advised them of this. To date, they have not contacted me about resuming payments since the complaint is resolved, but it has only been a few weeks. I am annoyed that they were not honest with me about not having the credit agreement, because that is not being transparent and I understood they should tell you if they do not have it.   I have two questions (but am open to anything else anyone would like to add): 1) Based on the above, does anyone think this account enforceable? I do not think it is? 2) Does anyone have any suggestions on how to proceed? I could resume payments and then settle early. If the above had not happened, I may have just done that. Thank you for any help or input anyone can provide. It is appreciated.
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      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Argos


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I recently ordered a freezer from Argos which stated it was an A grade efficiency for £99 plus £4.95 delivery which i waited 21 days for but i thought this was okay because currys were selling A C GRADE FOR £89.99 so i thought it was worth waiting for. When it arrived i did as it said and left it for 12 HRS in the garage before turning it on and thee filled it with my food from my old freezer which was was on its last legs. We then dismantled the old freezer for recycling. when i sat down to read all the bumf that came with the freezer i was amazedthat it was a C graded freezer not an A I rang up Argos Helpline and at first they said it was a A grade but when they phoned me back after speaking to Lec they said it was a printing error and that actually it was an error in printing and that in fact it was a C grade. They asked me if i wanted to keep it or they would collect it . i aexplained i had already filled it with food and they said they would send me a compansation voucher , this arrived a few days later for £10 , is this exceptable or should i expect more???

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basically all they have done is given you the difference between the A grade and a C grade if you had purchased one.

i would imagine this would come under the SOGA , for mis leading advertisement of said fridge, and i will endeavour to find which actual bit, but anyway, at least they have admitted they were wrong and given you a gesture of goodwill.

i'll post more if and when i can find out anything.

Please note that although my advice is offered, you should consult your legal representative before taking ANY action.

 

 

have a nice day !!

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You are entiled to One of the following:

a) an A grade freezer of similar spec/brand or if available the actual thing you ordered

b) the difference in what you recieved to what has been advertised

c) a FULL refund even if the item has been used (used not misused/damaged) this would include delivery charge

 

Did they offer compensation for the inconvience or to cover the difference?

Also can you chuck me the cat number of the item, can't seem to find a £100 one

 

(Btw welcome to the forums)

Ex-Retail Manager who is happy to offer helpful advise in many consumer problems based on my retail experience. Any advise I do offer is my opinion and how I understand the law.

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They offered me £10 for the inconvenience or to collect it and refund me but as i had already put my food in it this didnt seem to be a good option. The Cat No is 485/9604. The lady on the phone said that the mistake was only noticed after the books had gone out because obviously they had a lot of calls, but it had been put right in all the stores and on the internet.

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£10 for putting in and taking out some food is not bad compensation. You could try for more, but I would not expect it, nor would you be entitled to much more(IMO).

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Whichever way you ordered, should have said that it is Energy Efficient 'C' not as stated in the cat. The options above should still stand, as they have in some sence corrected the error and are offering a refund, there isn't much more you can push for.

Ex-Retail Manager who is happy to offer helpful advise in many consumer problems based on my retail experience. Any advise I do offer is my opinion and how I understand the law.

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