Hi all Not sure if this is the right subforum as this is an online shop, but hoping somebody can offer some advice. My mum bought a digital photo frame from wedodigital.co.uk last month, it's a christmas present for my grandad. I've come down to visit and brought my memory sticks with photo's on and we got the frame out of the box for the first time on saturday to test it, but it's seriously faulty. The screen is really off centre by about an inch, so there's a big black band down the right hand side and the menus when you bring them up are hard to decipher as the first few letters are off the left of the screen. All images are covered in yellow, basically, anything that should be white or light coloured comes up as a big area of yellow pixels and doesn't remedy no matter how you alter the colour/tint/brightness/contrast settings. There are dead/stuck pixels on the screen, and some marking like some sort of watermarking that is visible on all images. To be honest, it's made by a brand I've never heard of, and the manual that came with it is shall we say, basic, and written in very dodgy english. My mum has emailed the company asking for a refund and their reply is as follows: " We would be happy to accept a return on the item for testing by our returns technician. The unit will be tested using a selection of JPEG images known to display without error when used with the sample units which we hold in stock. If the fault is confirmed, a replacement item will be sent. If the fault is not confirmed, the original item will be returned. We offer a 7 day period for items to be returned to us for testing following receipt. Following this period, the item is covered by warranty. I can confirm that it is not possible to issue a refund following the length of time which has passed since the transaction took place. To return the item to us for further testing, please complete the returns slip which was attached to the outside of the original parcel, using the following RMA code: ********. The returns slip must be completed in full, including a description of the fault. Please be as descriptive as possible. This will help to speed up the processing time. The item must be returned to us inside it's original box, with the packaging intact, and including all accessories. Please return the item to the following address, obtaining a certificate of postage, enclosing the returns slip inside the parcel: WeDoDigital Returns c/o Intermail plc FREEPOST RG453 Newbury RG14 5ZZ To confirm, the RMA code is "********" Kind regards" She's sent the frame back this morning by recorded delivery, at a cost of £11. Now to be honest, I think she should just get a refund and buy from a known brand, but as you can see, they are not offering a refund. Is she entitled to a refund, and as the item is so faulty, does she also have any right to request a refund of the £11 she has had to pay to return the frame to them? Thank you for any advice

Letter I will be sending to accept the offer is as follows. If there are any improvements or errors please let me know if you are passing through and spot any, I will wait until tomorrow afternoon to post it (kind of half amalgamating the gist of letters I've seen on other peoples topics and half making up my own additions as I go along, not sure if what I am saying is reasonable or if I am talking rubbish to them, ha).

Thanks rory Is this why there appears to be no notice of assignment for the debt? Do you think I'm right to accept the £100 despite the lack of terms and conditions and the dodgy template reminder letters, and get on with disputing the debt? I have the feeling I was on a bit of dodgy ground re whether or not they were the data controller or processor, so very relieved they have made this offer to be honest. Oh and I noticed in the most recent demand for payment from them, the total of the debt has decreased by £10, 3 guesses what my S.A.R - (Subject Access Request) postal order went on I will be pointing out in my letter of acceptance that this does not serve as any acknowledgment of the debt on my part. I emailed my Student Adviser today to see if she would be able to get hold of any documentation from the uni regarding who/when they informed NHS SGU of my leave of absence. Might not hear from her until after the bank hol now though I think uni is closed from tomorrow for a long weekend.

Well things have moved on since I last posted. I sent a letter to the Operations Manager at CA in response to their letter, it read and then took my N1 to the court on 6th March, requesting the order to force compliance with the SAR, plus £100 in costs (£70 costs of letters, photocopying, postage etc, all of which I have receipts for, and £30 court fee). It was deemed served on 15th March. And hey presto, this morning a massive bundle of paperwork arrives by recorded delivery from CA's Legal Department The cover letter reads as follows Included is a copy of my signed application form, copies of our email correspondence, copies of some of the letters I have sent them, and a load of print out of their automated computer system stuff with their comments on about my emails and letters etc. Also included are what they have called "Template of First Reminder Letter" and "Template of Final Reminder". These are letters from the NHS to someone else with that persons name and address blacked out, they haven't sent either of these applicable to my account. They haven't included the terms and conditions of my application, or copies of letters they claim to have sent to me. Also, no Notice of Assignment for the debt. Where she says "I wish to make it clear that the debt has not been assigned to Controlaccount Plc.", what does this mean exactly? That they have not actually purchased the debt? Anyway, I am going to write and say I will accept their offer and will cancel my claim once payment has been received and cleared. Then the really hard part begins, disputing the debt

Hi everyone, I have made mention of these in my topic on the Students board, but if anyone reading here instead can help it would be most appreciated. I am trying to get hold of a copy (paper or electronic format will do) of the Credit Services Association's Guidance Notes on Best Practice for dealing with debtors with mental health problems, as mentioned here. If anybody has access to these guidelines I would be forever grateful if they could let me know, thank you

Ok I see, thank you tiglet. I was previously told that it was reasonable to expect the DCA to obtain any information from their client that they didn't hold themselves, but perhaps I would have been better off SARing the NHS SGU then. I'm not sure whether this means that my court claim would be valid then, as some of the things I am requesting will be things that the NHS holds. As for "additional costs incurred", does this sound reasonable... £10 per letter I have had to send to them regarding their non-compliance, LBA etc with regards to preperation and research time spent, £1.04 per letter for the Recorded Delivery fee, £10 for my postal order for the SAR. As this states "additional costs" I assume this value is to be the amount excluding my court costs?

Hi all, I am currently at the stage where I am submitting a court claim against my DCA who haven't complied with my S.A.R - (Subject Access Request). I've already sent the LBA and am well past the 7 days but I haven't submitted yet as I'm unsure on a couple of points. My main topic about my situation is here http://www.consumeractiongroup.co.uk/forum/students/122527-nhs-bursary-debt-help.html I have the main body of the N1 completed, I just want to clarify a few things, if anyone can help I would be most grateful. I received a letter from the DCA last week following my LBA, as follows: Does this mean that I cannot claim against the DCA, as they state they are not the Data Controller. In the POC I am using it states "1. The Defendant is a Data Controller within the meaning of the Data Protection Act and is responsible for the processing of data of which the Claimant is a Subject". If I submit my claim and then the DCA eventually supply the documents before any court date, would I be reimbursed the court fee by the courts, or would the DCA have to pay me this? And finally, where it says Value on my N1, am I right in putting "I expect to recover not more than £5,000"? How do I go about estimating the costs, where it says in the POC "Extra costs incurred in addition to court costs, due to the Defendants failure to comply - this includes the cost of additional correspondence and time spent preparing documents and seeking legal advice, I estimate this cost to be £..........". Many, many thanks for any assistance. I'm really worried about submitting something erroneous and looking like a plonker Need the DCA to start taking me seriously.

Is there anyone at all who can help with my questions? Was hoping to take my N1 to the court tomorrow.

Just finishing off my N1 but I have a couple more questions, as well as what I asked above. Where it says Value, am I right in putting "I expect to recover not more than £5,000"? And in the POC, where I have how would I go about putting a value on this? I will be paying the court fee, however if CA then provide the documents I have requested between now and any court date, will this be recoverable, and once I have served my claim, would they have to pay any damages or would supplying the documents be enough to make my claim irrelevant?

Do you perhaps mean this http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html and this http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html? Those are the ones I have used for my DCA who didn't comply with my SAR

Hi all, I have been ill again and trying to deal with my bank account being used fraudulently by some ****** who has spent £1000 of my money Been sorting out my N1 claim form for CA's non-compliance with my SAR (have used this template for the POC here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html) Have received a letter from CA today, from the Operations Manager, whatever that is. Reads as follows: Now in the POC it says: "1. The Defendant is a Data Controller within the meaning of the Data Protection Act and is responsible for the processing of data of which the Claimant is a Subject". Does this mean that I can't claim against CA, as they are stating they are not the Data Controller for my account. Any help appreciated P.S this topic used to be in the Students board before the site went down, not sure if it has been moved here on purpose or not.

Great, I'll change that bit and get it posted tomorrow Thanks.

Right then, the scary time has come. No response to the LBA, so I am sending them this letter regarding the hardship, and we are now going to commence the court claim. Never done this before, eek! Any improvements before I print it?

Hi Spotnot I'm studying Foundation Science at the moment then in September I'm starting a Masters in Astrophysics. It's hard work but I love it hehe. So I'm just on the normal student loans etc now, and not had any trouble with funding Thank you for your encouragement. What were your friends circumstances, if you don't mind me asking. On what grounds did they manage to sort it out with NHS?

Hi all Some progress to report. Regarding bank charges, no further response yet to the LBA. I am thinking of following it up with another letter in response to their refusal to classify her as a hardship case. Some reading on here suggests that: a) the courts have a right to stay any case but banks should not be applying for a stay in cases of hardship (source: http://www.consumeractiongroup.co.uk/forum/cooperative-bank/116761-do-you-think-you.html?highlight=hardship) and b) I can request that the bank supply the reasons they do not agree with her being in hardship and their criteria for what they consider as hardship (source: http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/117030-idea-any-comments-mods.html?highlight=hardship). So I might draft something up requesting that information from them. When it comes to the complaint to the FOS, does all of this correspondence between us and the bank qualify as exhausting the bank's internal complaints procedure, therefore clearing us to go ahead with the FOS avenue? Regarding the disputed account fee, they have replied saying that they have investigated and are not willing to refund any money as they feel it was her responsibility to check the money she was paying. They've not provided any proof of her agreement to the account upgrade or fees. So I'm not sure how to proceed with this now. Any ideas?