Hi People, Just after some advise, I bought a Zalaman water cooling system from Quiet pc 11 months ago and in this time it has had 4 flow indicators in, each time I get a diffrent story, well last night it went again now last time it broke I enquired about a refund or a whole new unit to which he said they would consider if it went again, well I emailed to say it had gone again and I got a halfed baked fob off of how it might of not been a new flow indicator and he might of only repaired it, erm hang on, no it was brand new as you sent it to me to fit myself with there permission i still have the email. Anyway what he is now saying is they dont have any spare flow indicators in and they might get some in a month if Zalaman send them any, and that if I want I can send it back yet again at my own cost for him to attempt a repair until they get new flow indicators and if at all they do, the thing is if I hold out that long, my warrenty will be out it ends in april, how suprising that they dont have any and it will be a month before they get any new ones, am I in my rights to ask for a refund of ask for a whole new unit due to the amount of times it has gone back within the 12 months? Thanks Matt

Hi, Im sure I have read else where, ill try and look it up, that just because you wrote this and they cashed it, it isnt legally binding because they havnt agreed and most of the time cheques are just bulk processed, ill try and look up where I read it

Seems to have all the prescribed terms on it

But they have sent a copy of a credit agreement, as you can see it says at the top, Credit Agreement Regulated by the Consumner Credit Act 1974, it has everything on apr, amount borrowed but not the payment terms ie if you look at picture 3 click at the top right on all sizes it brings it up big, it has Your Initial payment of £0 due on 0/00/00 followed by 0 installed on £0 due on the 30th of the month by Direct Debit

Yeah, I was young and couldnt afford to pay it all over, so you arrange a credit agreement to pay over the year but they still do a credit agreement, although the one they sent, has payments 0 to be paid on 00/00/00 in 0 instalments etc

If you click on the page you want to look at and then all sizes you can make them bigger and have a good luck, Im all confused about it, any one else have any advice

Hi All, Im new here and was directed here from moneysaving expert, where to start, well back in 2004 I got car insurance with Admiral, half way thorugh my policy I called to cancel as I got a new car and they were no longer the cheaper option, so I spoke to the lternative contact centre who said it would be £35 pounds to cancel, I paid this and that was the end of that until, recently I got a letter saying I owe Admiral £150 for insurace by Call Serve, I called admiral and guess what yes, they cant locate the call from the alternative contact centre and this was for the rest of my insurace. Well I sent a credit agreement request off to call serve, and I didnt get anything back, so I sent the 12+2 day letter off which I got back from they saying, they had returned my letter as I didnt sign it, could I please sign it and return it so they can deal with my request. Well I didnt and the day after I recived some paper work in the post which is supposted to be my CCA Well im confused, becase all I can see it is a a singed signiture from me on a motor insurance proposal and a blank creidt agreement that has my quote details in but no other inoframtion it says deport of £0 to be paid on 00/00/00 by 0 installmetns etc etc and then is unsigned at the bottom, so I think they have just printed a blank one off sent it to me, could you have a look and help me to see if it is a proper agreement and that Flickr: lawsonk81's Photostream here (Not Spam) What should I do, should i send a unsigned letter saying this does no complay with my request, I know they sent it late, but at least they did send it, now what should I do, any help would be appreciated. Thanks Matt, aka Battyboi (PS Applications for a loving boyfriend been taken lol) http://www.flickr.com/photos/28393103@N03/ here (Not Spam)

How low can people go, I know when i was in hospital for a week, how bad it was, oh yeah Ill just phone these **** up and deal with it, some one should step in

Barclaycard have always been hard to deal with, I left the years ago and would never go back

Shocking, did you get any joy from ths

Im having problems with a CCA as well at the moment, ill post mine soon

I had a letter asking me to sign once, and I didnt,