Hi. Has anyone encountered problems with a company called TRUESHOPPING who trade on AMAZON!!?? I bought a chainsaw on Amazon through a company called TRUESHOPPING, in short it was a load of rubbish and when I contacted them they said they would arrange for their courier to collect it and that they would then issue a refund. After they failed to materialise on the FITH occasion I became a little tetchy with them understandably and yesterday I received an e-mail from Amazon saying that my returns request case had been closed due to TRUESHOPPING refunding me. This is utter tosh and I still have the item sitting by my front door waiting for collection. What is my best course of action re my refund Im out of work and the money when returned would come in handy for Xmas. Any help appreciated Thanks

Hi All. I have an existing Lloyds loan being dealt with by BLS, it's under an agreed repayment plan being reviewed six monthly, i recently asked Lloyds for a statement of account and a copy of my agreement with them, i was told i could have the statement but that they probably wouldnt have the agreement, i took names times etc and that was on the 11/10/10 i got the statement of account but no evidence of an agreement. I was sent a letter a few days later from BLS for a random sum which to be honest looks like fees for not keeping to the proposed monthly agreement although i have so far!!! I am convinced i dont have a valid credit agreement for the loan and i also was informed by someone dealing with the loan that i have paid for PPI which i knew nothing about and was never offered the benefits of it when i was made redundant and my original repayments were scaled down. I am up to my neck and starting to sink my debts are considerable i have no assets/rent my property have no pensions,savings or anything of real value. Do i fight the validity of the loan agreement as i think i have a strong case but dont want to go into too much detail on here, or do i file for bankruptcy. After my outgoings were paid last month i had £56.00 for the rest of the month for food,elec,petrol costs etc and im completely fed up with it, i was better off out of work which is a terrible thing to say but the truth nevertheless.

Thank you for that what is the basic format for making a reply as i have read there are different sections to quote or something like sec 77/78/79 or do they all apply . Sorry to put on you but im a bit slow when it comes to things like this. Cheers:lol:

Please any ideas on the below post would be appreciated.

Hi All. i requested a statement of account and a copy of my credit agreement for a loan i refinanced in 2004, i got the statement of account but Lloyds are unable/dont have the credit agreement according to them. I have always maintained that it was an unlawfull loan albeit i needed the money and had re-appropriated it befor the paperwork/ repayment plan even landed on my doorstep. I still make payments to a company called BLS which are reviewed 6 monthly, recently it was brought to my attention that i had taken the loan via an umbrella company of lloyds ( i had searched for a company to refinance with online originally back in 2004 and not at all with Lloyds but after searching i was contacted 1st thing the next morning by someone perporting to be from lloyds) I took the deal they offered wondering how lloyds knew i had made a search to refinance but as i say i needed the money. I have also been informed that payment protection was added etc. I have no knowledge of this PPI as when i was made redundant and told Lloyds i was never offered the chance to activate any PPI that i may of had and as i said i didnt know i had it. Since then i had to get the interest frozen which they then realised they hadnt done for about 4 years and they took a lump off. The only thing i do have that i found recently is a copy of a fax i had to sign and send back to them saying i wanted the loan. I would dearly love to be free of this or at least partially unburdened as it is a lot of money and im slowly sinking.

If i send a £1 postal order to links address asking for my C/A will they even get it??? It seems to be a mail forwarding/processing operation at Albert Embankment and po box numbers dont usually have anyone there to sign for a registered delivery. Research shows it is also used by various charities but as this is the only address i have for them on the top of their correspondence to me can i assume that by sending stuff there i have done so in good faith and should reasonably expect an answer from them.

Reference post 87 how do i request a CCA what is it and who do i ask first MBNA or LINK??? Sorry but i am a bit green and i paid in full over 6 years ago my outstanding crdit card debt to MBNA. i asked them why it had been sold on after i had heard nothing from them in over 3 years after i had paid up and they said it was their account and they could do what they liked with it!!!!

I have read today with a mixture of horror and where appropriate glee about various dealings you have all had with LINK and i do not intend to sit on my hannds when it comes to complaining about them!!!! I have found my DN sent via tnt dated 20th sept and it is exactly the same as others posted on here apart from the bit saying when it was assigned (mine is feb 2005). As stated previousley i paid the MBNA C/C account in full back in 2002. I have not obtained a copy of my credit report but actively want to pursue for harrasment etc as i have asked them not to contact my step-father and am incensced they originally harrased my step fathers elderly neighbour. To whom do i write to first to complain or in what order should i write to OFT and all the other various ministers and relevant agencies?? I also want to request all the info and paperwork held about me from MBNA and LINK. I obviousley have an address for link to do this but i have no corresponding address for MBNA i aslo have not attempted anything like this before. I would like to know how to go about doing this and how to do it in such a way that i do not re-start any time periods or processes as i have been told by Citizens Advice that if MBNA originally did not issue court proceedings then under staute laws Link cannot pursue the debt.

Hi all just subscribed to this site and i must say what a great find. I paid my MBNA outstanding c/c balance off well over 6 years ago in cash over the counter of a bank after which i received from my memory nothing acknowledging that i had done so. Over three and a half years later i had a phone call from my step father asking me who Lisa was ???????? I replied that i had no idea to which he said i will kill you if your cheating on your partner!!!!????????? It turns out the aforementioned lady was from LINK and had telephoned my Step-Fathers next door neighbour to ask her where i was. As i had no idea who they were i phoned them asking for an explanation at which point i was told my outstanding balance with MBNA had been sold to them as i had defaulted on the account. I told them i had paid the outstanding balance years before and they asked me for a receipt (which i havent got). I then received two letters one from LINK and one from MBNA telling me that LINK had bought said alleged debt. I phoned MBNA and asked them to tell me my account balance (which they quoted as £0.00)and then to explain why if i had a negative balance they had sold a non existant outstanding debt, and why had they at no time attempted to contact me in any way shape or form whatsoever in almost 4 years. They took about 15-20 minutes of transferring me and procrastinating until i spoke to someone higher up the chain of command at which point i was told "It is our account and we can do what we like with it" . I bade her farewell at this point and proceeded to inform Link that the debt had been paid to MBNA almost 4 years previous. I was extremely suspicious of their tactics and just ignored the letter, i heard nothing from LINK for another 3 years as LINK had no address for me only a mobile number (they tracked when i called them from it) i have since spoke to Link who insist that they are keen to recover the debt even though i have taken CA advice and have told LINK that it is settled and that i have no receipt from the bank and that the bank cannot provide me with proof that i did pay over the counter. LINK have since found my address and have been sending letters the same as the one above to me. They also sent a letter saying that during our telephone conversation i had requested information from them?????????????????????????? and that i should write to them for said info , i have no idea what they are on about. They also said they would suspend any further action on the account for 6 weeks (that was six weeks ago)and have telephoned my Step-Fathers house (twice now) even though he is ex-directory and after i asked them not to as i have little contact with him (family stuff) and havent lived there for over 6 years. They also told me via phone that the debt is still very much active according to their credit report on me. Im terrified any ideas please.