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Toadface
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Hi, I bought a laptop from Argos on the 5th Novermber 2009, and it has turned out to be faulty. tried to switch it on on sunday and the screen was just blank, power button was lit up but no picture or anything. Its dead. I tried to take it back to the Argos shop I bought it from today and expected to either get a replacement or a refund, but was told as it is a laptop, they have to send it away for testing to make sure it was a fault and not ME who damaged it or a virus or anything. They have told me to phone a number that deals with thier thechnical issues. Have not called them yet as wanted to find out where I stand first. Has anyone else had dealing with his type of thing at Argos, I have since done a little bit of reading up on Sales of Goods act and am of the understanding that if the item is faulty of unfit for use and is returned within a reasonable time period (11 days in this case) then they should offer a full refund or replace it. I also read online about Argos' 16 day Gaurantee, Does this apply to me? Can someone please help me out. What should I do? Thanks
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Payday Loans - Cancel Debit Card??? **
Toadface replied to Toadface's topic in Payday Express/Wage advance/Cashtillpayday
Anyone??? -
Payday Loans - Cancel Debit Card??? **
Toadface replied to Toadface's topic in Payday Express/Wage advance/Cashtillpayday
Hi everyone, though tid post an update of how things are going. recieved a hpone call from QuickQuid last night, but i wasnt home. emailed them today to ask to set up payment plan, my offer was £12 per month. I again asked that they not phone me at home or at work and that any future correspondance be in writting. email I recieved back: Dear XXXXXXXXX, Customer # XXXXXXXX Thank you for contacting us to inquire about how to pay off your balance. By signing your loan agreement, you agreed to the Terms and Conditions outlined in the 'Consent to Electronic Communication' section. Therefore, we are within our rights to contact you via phone. The payment plan we can offer is detailed below. £_62,00________due 10/08/2009 *Current loan balance £250,00 due on 28/08/2009 To confirm your agreement to this payment plan, please reply to this email stating that the terms are favorable. You must include the original email with the terms to which you are agreeing in your response. Once we have heard back from you, we will set up the agreed upon debits to come out of your bank account or be charged to your debit card. Collection procedures will continue until an acceptable payment arrangement is made. If you have any queries, our Collections Department is here to help. There is no way I can pay this amount per month to them. they have a copy of my monthly expenditure so they can see how much i have left to pay creditors. It also seems like they are wanting the remainign balance paid at the end of this month. and that the outstanding balance would be £250 after the £62 payment. this is more than I would have been paying!!!1 It was one payment of £50 then, £250 the next month! should I email them back asking them to reconsider the amount, not sure what I should do now Thanks -
Payday Loans - Cancel Debit Card??? **
Toadface replied to Toadface's topic in Payday Express/Wage advance/Cashtillpayday
Ok thats great Thanks for all the info realy appreciated -
Payday Loans - Cancel Debit Card??? **
Toadface replied to Toadface's topic in Payday Express/Wage advance/Cashtillpayday
Hi, sorry if im being a bit thick here but what is a 'crossed' postal order? Thanks -
Payday Loans - Cancel Debit Card??? **
Toadface replied to Toadface's topic in Payday Express/Wage advance/Cashtillpayday
I will send them another copy of my letter and SOA and wait for them to respond Thanks -
Payday Loans - Cancel Debit Card??? **
Toadface replied to Toadface's topic in Payday Express/Wage advance/Cashtillpayday
I did say to them i didnt want them havign my debit card details, in which they replied, they didnt keep a record of them and once its processed there on the phone then thats them gone. -
Payday Loans - Cancel Debit Card??? **
Toadface replied to Toadface's topic in Payday Express/Wage advance/Cashtillpayday
My monthly payment to them was £136 I offered them £91 per month (assuming they freeze interest and charges) they said they wouldnt be able to say if they can accept the amoutn until they speak to the bosses and that they would need to some sort of payment now by debit card in order to do that. I had a DD set up with them, but cancelled it I asked them to send me payign in book or account details, but they saud they dont do that Thanks -
Payday Loans - Cancel Debit Card??? **
Toadface replied to Toadface's topic in Payday Express/Wage advance/Cashtillpayday
Hi, spoke to Welcome and they were initialy wantign me to pay full amount i said as you can see from my SOA i cant afford to pay that. they then said they would take the amoutn i had made in my offer. so i said i would need an agreement in writing in place before i pay anything because that would simply be eaten up by the interest. they werent happy and wrangled on about taking me to court. not gettign money for nothing, could possibly lower the interest but not freeze it.etc. they said that they wouldnt pass the debt onto a DCA and that they would be the ones takign me to court! bottom line is i did not pay them anything, they even asked me to state that i was refusing to make any pyment onto my account this month. I said i was only willing to make the payment once payment plan has been agreed. did i do the right thing? Thanks -
Payday Loans - Cancel Debit Card??? **
Toadface replied to Toadface's topic in Payday Express/Wage advance/Cashtillpayday
Thanks for the advice much appreciated -
Payday Loans - Cancel Debit Card??? **
Toadface replied to Toadface's topic in Payday Express/Wage advance/Cashtillpayday
Should I reply to the Uncle Buck email or just leave it for now? RE Welcome Finance, how likely are they to freeze interst and charges on my account if I ask them to, so i can keep paying them instead of it goign to DCA. how much worse is it to go to DCA than to keep paying original company? Thanks -
Payday Loans - Cancel Debit Card??? **
Toadface replied to Toadface's topic in Payday Express/Wage advance/Cashtillpayday
Thanks, they said they would need a payment today to be able to 'help' me what do you think I should do? Also just had reply from Uncle Buck saying they arent willing to accept my payment offer and that if i dont pay todya then it will be passed to collections team and charges etc added anyone have any text I can send to them RE charges being unlawful and account being in dispute etc? Thanks -
Payday Loans - Cancel Debit Card??? **
Toadface replied to Toadface's topic in Payday Express/Wage advance/Cashtillpayday
Hi everyone, Just wanted to say thanks again for all the information and quick replies yesterday. Logged into my internet banking today and none of the payments from any of the pay day loan companies had come off my account. QuickQuid was showing but it hadnt come off my balance, phoned bank to check and they said, it had been cancelled and that it would drop off my account and def wouldnt be paid to them. none of the debit card payments had come off, so cancelling my card seemed to have worked. Have now instructed bank to transfer full balance over to another account just to make sure they cant get any money out my account by using old card number, or settign up new DDs had a few emails and texts from these comapnies askign me to contact them right away etc. I sent them an attachment of the letter I had already sent them and made it clear that they were to reply to me by email or in writing. so far, no phone calls!!! how long will that last! I did however get a phone call from welcome finance who i had cancelled my DD with and sent letter offering reduced payment. the lady I spoke to seemed willing to help me reduce payments, but said they still need a full payment this month before they can do anything. just looking for a bit of advice as to what to do with this one. should i pay the amount if they can reduce my payment. I would want them to freeze the interest on the account and not add any charges before i would be willing to make the payment. or would it be easier not to pay them and if they then defualt the accoutn and pass it on to DCA start payign them. or will that incur furhter charges on top? anyone here had any similar dealing with Welcome Finance?? any help would be realy appreciated Thanks -
Payday Loans - Cancel Debit Card??? **
Toadface replied to Toadface's topic in Payday Express/Wage advance/Cashtillpayday
I have read about the difficulty of cancelling these recurrign debit card payments. Is cancelling your debit card the only sure fire way to do it? Are these companies likely to have already set the payment in motion?, what i mean is do they apply fo rit on the day or would it be worth checkign with my bank to see if there are any pending transactions waiting to come off, that might not be stopped. sorry, might be being over paranoid here Thanks -
Payday Loans - Cancel Debit Card??? **
Toadface replied to Toadface's topic in Payday Express/Wage advance/Cashtillpayday
Thanks for your replies, realy appreciated. was worried, I would log on to my internet banking tomorrow morning to find they had taken the lot!!! will keep an eye out for them trying to set up new DDs, anything else I should be vigilant of? Or is it now a case of waiting for the phone calls and trying to sort out a payment plan with them? Thanks -
Payday Loans - Cancel Debit Card??? **
Toadface replied to Toadface's topic in Payday Express/Wage advance/Cashtillpayday
Thanks for your help. I did phone my bank to ask if these payments would still go through and they said, they might be 'forced' through on the old card number! anyone heard of this happening? -
Payday Loans - Cancel Debit Card??? **
Toadface replied to Toadface's topic in Payday Express/Wage advance/Cashtillpayday
Thanks for the fast responses! One final question: Am I right in thinking that as I have now cancelled my direct debits and cancelled my debit card that these companies will not be able to take any payment from my account? Thanks -
Payday Loans - Cancel Debit Card??? **
Toadface replied to Toadface's topic in Payday Express/Wage advance/Cashtillpayday
Hi, Thanks for your reply. I have cancelled 2 direct debits that were on my account and put blocks on them, the only thing im worried about the other ones taking a debit card payment from my account. I have cancelled my card today (reported it lost) in a hope that this will stop any payments they try to take going through. will this incur any charges? Thanks again -
Hi, I have 4 payday loans outstanding. PayDay UK PayDay Express QuickQuid UncleBuck My question is if I cancel my debit card, will this stop these companies taking payment from me. and if so will I be hit by a charge from my bank for these being declined? Is there naything else I can do to stop these payments coming out Thanks
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