reel

OH dear..... In all honesty, I can't say who's worse, Comet, Pcworld or currys. This is a test for Comet. Let's see what they do.

Labrat.......I'm not going to say anything about the spelling in the above post Did your wife make any progress re union membership?

Warranty and manufacturer's input is irrelevant. They must comply with SOGA.

"Anna", the automated online chat help at Ikea. She has some programmed humour but other than that is utterly unhelpful. I recommend.

The fact is, you can book all the components of a holiday; flight, accomodation, transfers etc, so easily yuorself nowadays that nobody has to put up with crappy customer service and the "rip off" attitude anymore. Look at the Thomas Cook trade performance and compare to the state of the economy - 12 - 18 months and they'll be out of business.

They are a debt collector. They have no power whatsoever. Would you give your child's personal data to a paedophile? - Then don't give your's to a DCA! Are there any unlawful charges on this account. Have you checked your credit file?

If you paid in 07 then it's not statute barred.

Spelling awful:razz: 1) Check credit file 2) Send statute barred letter 3) Send cca request 4) Do Subject Access Request for charges

You agve a few options up your sleeve. Perhaps check your credit file then: First) send statute barred letter if this comes back as you have acknowledged with proof second) CCA If this comes back against you Third) Sar for charges Perhaps....

I got the prize-draw email

No. what they do to the account is not an acknowledgement or payment by you

If you do not get anywhere, you should do a SAR and request copies / transcripts of calls to and from vodaphone

It is statute barred if for a period of six years you have not acknowledged in writing or paid money into the account

By OFT do you mean Trading Standards? Their number is 08454 040506. Whatever arguments testament refers to in the case he saw, what I think is dubious is whether the contract is personal or business. "...if the company defaults.......then the said person signing this agreement........personally make good such default......" If it's a business contract, then that is an unfair clause therefore contract is not valid. If it's a personal contract, there is no cancellation notice. Either way, if there is ambiguity about the contract, then the weight should be in your favour....

I can't give you impartial advice on sky because I hate them. Their mistake with me was they sarted telling lies before their kit was installed in my house. Luckily with knowledge gleened from CAG I managed to spot them and cancel before they got their septic claws into me.

That paragraph has 2 commas and one full stop.....I'm a bit confused. I suggest in all seriousness, that you send my letter from post 31 with or without the PS. Do not send them your personal documents. Do not provide them with your personal data. If paedophiles asked you for this data about your child would you give it to them? They are a debt collectors. They have no powers to make you do anything (Other than break out in laughter at their sheer stupidity). Send the letter. Until you do, this DCA will think they are palying you within the rules.

Incorrect. Your signature at the bottom is a personal signature. Additonally, I can see they have tried to sneek in an unlawful personal guarantee in part three. It is either a personal or business contract.

And from the medical point of view, 8 miscarriages suggests a problem. Have you had medical advice / tests / diagnosis of a problem. You may be advised that for the best chance of future pregnancies to progress normally, working may have to be stopped.

Nice one. Well done.

Good stuff. The argument that these people provide a valuable service to those who can't get finace elsewhere I think is as shallow as a puddle of flea's pee. I think they are **** loan sharks and and should be treated with utter contempt.

Recovery of money paid by consumer 5.—(1) Subject to regulation 7(2) below, on the cancellation of a contract under regulation 4 above, any sum paid by or on behalf of the consumer under or in contemplation of the contract shall become repayable. (2) If under the terms of the cancelled contract the consumer or any person on his behalf is in possession of any goods, he shall have a lien on them for any sum repayable to him under paragraph (1) above. (3) Where any security has been provided in relation to the cancelled contract, the security, so far as it is so provided, shall be treated as never having had effect and any property lodged with the trader solely for the purposes of the security as so provided shall be returned by him forthwith.

Cancellation of Contract 4.—(1) No contract to which these Regulations apply shall be enforceable against the consumer unless the trader has delivered to the consumer notice in writing in accordance with paragraphs (3) and (4) below indicating the right of the consumer to cancel the contract within the period of 7 days mentioned in paragraph (5) below containing both the information set out in Part I of the Schedule to these Regulations and a Cancellation Form in the form set out in Part II of the Schedule and completed in accordance with the footnotes. (2) Paragraph (1) above does not apply to a cancellable agreement within the meaning of the Consumer Credit Act 1974 or to an agreement which may be cancelled by the consumer in accordance with terms of the agreement conferring upon him similar rights as if the agreement were such a cancellable agreement. (3) The information to be contained in the notice under paragraph (1) above shall be easily legible and if incorporated in the contract or other document shall be afforded no less prominence than that given to any other information in the document apart from the heading to the document and the names of the parties to the contract and any information inserted in handwriting. (4) The notice shall be dated and delivered to the consumer– (a)in the cases mentioned in regulation 3(1)(a), (b) and (d) above, at the time of the making of the contract; and (b)in the case mentioned in regulation 3(1)© above, at the time of the making of the offer by the consumer. (5) If within the period of 7 days following the making of the contract the consumer serves a notice in writing (a “notice of cancellation”) on the trader or any other person specified in a notice referred to in paragraph (1) above as a person to whom notice of cancellation may be given which, however expressed and whether or not conforming to the cancellation form set out in Part II of the Schedule to these Regulations, indicates the intention of the consumer to cancel the contract, the notice of cancellation shall operate to cancel the contract. (6) Except as otherwise provided under these Regulations, a contract cancelled under paragraph (5) above shall be treated as if it had never been entered into by the consumer. (7) Notwithstanding anything in section 7 of the Interpretation Act 1978(1), a notice of cancellation sent by post by a consumer shall be deemed to have been served at the time of posting, whether or not it is actually received.

These regulations apply if you sign a contract in your work place: 3(1)(a )(ii)

The way I see it, you have signed the contract as a private individual and therfore are entitled to protection by Consumer Protection regualtions. There is no notice in this contract that meets the requirements of: The Consumer Protection (Cancellation of Contracts Concluded away from Business Premises) Regulations 1987 The contract as such is cancellable at any point upto seven days following the date that they serve your cancellation rights to you.