I placed an order on line to a pharmacy in india , this pharmacy charged me twice for the same prescription I have contacted them on numerous occasions to correct this and have got NOTHING BUT A RUNAROUND AND CONSTANT EMAIL TAGS AS TO WHAT TO SEND THEM FOR VERIFICATION OF CHARGES. as I explained to them repeatedly exactly what is on my bank statement for verification with their records they insist I must send them my bank statement ??? they will not give me an address to mail them this statement insisting I send it via computer scan process to which I can not do. I have NOT RECEIVED MY ORDER NOW TO MAKE MATTERS WORSE NEVER MIND I GOT BILLED TWICE FOR THIS. PLEASE FOLKS DO NOT GET DUPED BY PHARMACIES IN INDIA AVOID THEM AT ALL COSTS. I WILL NOW GO TO THE BANK TO HOPEFULLY RETURN THE CHARGES TO ME , THANKS FOR LISTENING BUT BE WARY OF OVERSEAS PHARMACIES

hi, wondering if someone can help. i signed up to an online legal help forum to see if i could get some help for an issue i have at the moment. there was a monthly subscription for 20 quid and there was a 14 day trial/cancelliation period when i signed up. stupidly, i completely forgot about cancelling the subscription and they emailed me asking for payment for october. i asked them to cancel the subscription, which they refused (part of their ts & cs apparently that it is a 12 month subscription which can not be cancelled). they have now sent an invoice for the full subscription of the year (over 200 quid) because apparently my subscription failed (i cancelled the paypal straight aways as the service seemed crap) and in their 'ts and cs' in the event of default they have the right to ask for the full subscrtiption immediately and have continued to say i have 14 days and then they will pass the details to a debt colelctors. i know im dealing with a 'legal' service so im sure there is legal jargon which justifies their demands, but seriously do not have 200+ pounds to pay upfront to these people- do i have any chance agianst thsi?

Hi guys, I'm trying to start up a store. Still at the very beginning of the process, but i'm trying to look for online suppliers for clothing and acessories, however as you all may know very well, you cannot trust them all. And you just don't know what you are getting yourself into sometimes. I was wondering if you know of some of the best suppliers or trust worthy ones. Thanks Steffi

hi, i sell on amazon and have been using halifax for years for my amazon payments, on the 3rd october i opened some new online savings accounts putting 1 pound of my own money in them, which i was going to use on for selling on amazon, after which my online access was restricted, i only found out about this yesterday, phoned them got through to the fraud team, which for very rude and unprofessional, intimidating almost, basicly i said i opend couple of onlinne saver as i sell on amazon, the guy said i will never need this many accounts,you could be doing pay day loan frauds with theses what ever that meant, then he bluntly said we are closing your account, go to your nearest branch and take out all your money, thats my only options there is probably over 2000 pounds in the accounts, i phoned up an complained, and they have opened a case, they basicly put me on holl for an hour after which they hung up, phoned a few times though and eventually got a case opened up, amd threatend the finanical ombudsman etc after reading this forum and hearing all the stories about halifax it would seem i might be wasting my time complaining?? anyone else any experience with this?? what would be the best way to deal with this??? the halifax account are not my main accounts but i was happy using the online banking??

Hello I attempted to make a debit card payment earlier today. I reached the Verified by Visa stage, inputted my password but whilst processing, a website maintenance message popped-up. My bank account has earmarked the amount, but my Very Account doesn't reflect my payment. Very's call centre aren't really very helpful as they can't read between the lines. (one of their suggestions is to make the payment again BUT I don't have the funds) What should happen next ?

Hi, I ordered a bed and carpet from SCS and it is due to be delivered on Thursday (2 days time) They won't let me cancel the carpet from the order because it has already been cut from the roll. Surely I can cancel something I haven't received yet? They recon it is in the terms and conditions but still - I must be able to cancel anything at anytime before delivery has taken place? Any advice on this one? Matthew

Hi I hope someone can help me. I bought a Belling electric cooker model FSE5ODPO SS cooker in May 2013 this year from Appliiances online at £289 Replacement door fitted in July 2013 by Belling Engineer. Door became impossible to open due to catch issue on the inside of the door. Under warranty Appliances online arranged Belling to fit a new door but now this same problem has happened. After the door was replaced it was not a perfect fit and I am sure it was losing heat. now I am back to square one so this is what happened today I rung Appliances Online whom contacted Belling for me and they agreed to replace the item. They will refund Appliances Online £289 so that I can order any brand of new cooker from Appliances on line for upto the original price of cooker 1/ I do not want another Belling or New World (same brand), next brand is £90 more expensive 2/ I have to pay an electrician to dis connect the old cooker so they can collect it from me and redeliver the new one (what ever brand i choose) 3/I also then need to pay an electrician to connect (hard wire) the new cooker My argument is that it is costing me two electrician call outs to return these goods, why should I be financially inconvenienced ? Your thoughts with this please

Hi All, I was wondering if anyone can give me any advise. I received a letter from TSB stating i could claim for mis-sold ppi on an old loan. I filled out all the information and sent it back. I then received a letter saying they had received it and was looking into my complaint. Today i received a letter stating they are not paying out. Reason are 1)The credit Agreement require additional consent in the form of a click to confirm box to confirm that you wanted ppi policy to be added to your loan It therefore be concluded that you did knowingly consent to addition of a ppi policy to your loan. As is was many years ago i dont have a great memory of the time i took out the loan and it was done online. What would be my next step? Do i have any chance of claiming? I dont have any copies of agreement forms of the loan as it is paid off afew years ago and i would have shredded them. Any help appreciated claire

So, I bought 5KG of protein powder from myprotein, which usually sells for around £50. Due to a pricing glitch, it was going through for £1-something. I fully expected my order to be cancelled, however, it went through, and was dispatched. I received a despatch confirmation, was given a delivery time and the money was taken from my account. Now, the delivery time came and went, so I tracked it, and it said it was being sent back to consignor. I phoned them, to see why it had been returned, and was told that due to the pricing error, it was being returned to them. Now, my understanding was that as soon as the despatch confirmation had been sent out, and the cash had been taken, the contract was accepted, and could only be cancelled by myself. Am I wrong? Obviously, arguing my case that the error should have been noticed before dispatch fell on deaf ears. I have had a look around the net, but nothing definitive sticks out.

All customers of Lloyds Banking Group, including Halifax and Bank of Scotland, will be unable to access online accounts overnight ahead of TSB bank website launch. All customers of Lloyds Banking Group, including Halifax and Bank of Scotland, will be unable to access their online accounts overnight ahead of the TSB website launch on the eve of its split from Lloyds. The new TSB bank will appear on the high street from September 9 when Lloyds offloads 631 branches and five million customers to meet European competition rules. Customers will be able to log in to the new TSB website, tsb.co.uk, from 8.30am on September 8. The website is currently live but does not offer online banking functionality. Ahead of the full launch, all online banking across Lloyds Banking Group will temporarily close, affecting around 30 million customers. More: http://www.telegraph.co.uk/finance/personalfinance/10272139/Lloyds-Banking-Group-customers-to-be-locked-out-of-online-accounts.html

Hi all, Last night I ordered an ScS corner sofa online, subject to finance. I have since read a number of negative reviews about delivery and quality of product and wish to cancel the order. I have not paid any deposit or given any financial details as yet - is it possible to refuse to give my financial details and get the order cancelled? Many thanks.

Hi can anyone help me in 2004 I did a online application for a egg credit card the ppi box was pre ticked and wouldn't let you proceed unless you left it ticked i clicked and got card. I then phoned egg to say that there was an error and I didn't want ppi they said ok we will cancel in dec 2012 I got a Barclays app and while checking my accounts found ppi had been taken out I called new owners barckays told them them said we will cancel it then I claimed they twice said no now gone to FOS what are my chances I did tell Barclays and FOS that reason I didn't want ppi was I was covered by my employers fully been with them since 2002 sent Barclays a letter from my employer showing this need to know if anyone has been successful regards

Hi, new user so I hope this is in the right area. I have purchased 4 items from a UK based internet site. The items are all the exact same and are safety equipment for work, they are safety harnesses. The harnesses were advertised with lanyards as part of the sale at the offered price - which was not a promotion or offer, simply a good price. On their delivery, the harnesses did not arrive and the company claimed they did not advertise the lanyards with the harness, there exact words were that they had "never" advertised the lanyard with the harness. When I checked the site, the sentence had been removed from their web-page only 3-4 days later. but I knew I had seen it somewhere, obviously I wondered if I were going mad:mad2: Today, some 2 weeks later, I have found the print off of their web-page which does state the lanyard was included at the time of sale, we have rung and emailed our photocopies/ prints - they have requested we return the items unused for a refund. I believe this is wrong, unfair and in violation of our rights, especially as the items have been used and other lanyards attached. This situation is made worse by their blatant cover up by removing the words from their web-page. Can anybody shed any confirmation on particular legislation they have breached and my rights on this matter - thank you

Hi I placed an order with Select Fashion online on 19th June; they took money from account on 20th June. I was informed the order would be delivered within 5-7 days, but it never showed up - I called them - no reply, I emailed them - no reply, so I sent them a message on facebook and they replied with excuses about moving warehouse etc, eventually my order turned up yesterday (3rd July - 14 days after the original order) However i am missing 2 items and instead I have 2 items that i never ordered! So i sent them a message on facebook as this is the only time I ever get a response - they called me back this morning. I do not even want the missing items now as I am fed with waiting, so I asked them to refund me the items that i am missing but they said they will not refund my items until I send the incorrect items back, but i have to pay the postage! I want to know what my rights are? I paid for items but they have failed to deliver them. It's not my fault they have sent the wrong items, I am happy to send them back but not at my cost.

This is a strange one I admit but...... Back in mid 2010 I was working for a company called ( http://www.theprintspace.co.uk/online-framing-options.php) see video. In July of that year (after very difficult working conditions) I gave notice to quit. In the weeks following , while still under contract I was told to help in the making of another promo, it was late in the production process that I was asked to change the company name from "The Print Space" to " London Picture Framing" (http://londonpictureframing.co.uk/ ). For a number of reasons I just wanted to get out of there with as little hassle as poss. So I did what I was told to say. Anyway 3 years on I find that this footage has now found it's way onto The Printspaces sister site. I have never been employed buy a company called London picture framing so I was wondering what I could do to have this video taken down or at least have my mug taken out of the video? With my departure from the company could it also be argued that the reference to "20 years experience" like the video is misleading because it was only my status within the company could justify this statement. As I am still in the framing industry, could there be any other grounds for me to object to this video especially as there was never any release form or permission given by me for this second video nasty!

I am having terrible problems with Cassava Enterprises. I ask on one of their bingo sites to cancel my account because I was fed up with forever depositing and not wining any money back. I have just recently asked for my account to be re-opened. Cassava are now claiming that I said I couldnt afford to deposit and are refusing to allow my account to be reopened, ad they have also blocked me from depositing!! I am disabled and I enjoy online bingo, but Cassva are being very awkward. How do I make a complaint about Cassava please?

Hi, Just over a month ago, I was told about a voucher that I could use online at the HP store, that knocked £40 off every order. At the time, I didn't know whether this was a pricing glitch, or a publicity-seeking promotion, but I decided to use it to purchase some ink. I put 2 ink cartridges in the cart,(2x£23=£46), used the discount voucher (-£40), to bring the total to £6, which was displayed at point of sale. My problem is NOT that the order was cancelled (I have seen a few of these on the boards). My problem is that I was delivered the items, but only later found out that my credit card had been charged without this discount (i.e. £46). The fact that the amount displayed at point-of-sale was different from the amount charged, is not in dispute by HP. In fact, the email response to my complaint seemed thoroughly unsurprised that this had happened. They have told me that my 7 day return period has expired (presumably they are trying to pass the statutory "cooling off period" at the limit to my rights), and have refused my demand to return the goods and reverse the transaction. Surely this constitutes theft and/or fraud. Are there any legal-eagles that could advise?

Hello This is probably to late to ask but i only just noticed. I bought a Blu-ray DVD player nearly one and half years ago from Amazon. At the time of buying player i read the online item description. It had what i wanted, in this case MP3 compatible plus other formats. I have just gone to play a MP3 file/disc on player it will not play MP3. Product manual shows other audio formats listed but not MP3. I never thought to look at manual or play MP3 on player at the time as it stated in the online description it was MP3 compatible and i had a MP3/CD player Hi-Fi separate anyway. I take it, i have left it to long to do anything about it? Thanks

Hello, any help here would be much appreciated as I'm really unsure what to do. (I don't even know if I've posted in the right place! sorry if I have) I issued a money claim online against a cataloge company for late payment charges including these the interest and court costs the total came to just over £400. They advised they were defending the claim (the 28 days is up tomorrow). I received an email from their solicitor a week and half ago asking me to call them to discuss a settlement. I emailed back and said I would discuss a settlement but only via email or post so I could keep copies for my own record. (I didn't want to say something I may later regret). On Thursday of last week I finally got a reply advising as the outstanding balance of £280 was now with a dca legally they don't have to defend it but as a gesture of good will they would buy the debt back and clear the £280 outstanding balance. I emailed back to say that I was happy for them to clear the balance but was looking for more as there were court costs and interest also. On Friday I received another reply back advising they would pay out £300 £280 to clear the debt and a £20 cheque to me. They said that as I had in effect not paid most of the charges (I haven't paid anything on the catalog since august 2012) then it would look good if this went to court as I am basically asking for money that I haven't paid. And as they felt there offer was reasonable they would inform the court of my decision to not be reasonable. (Probs a scare tactic and it's working). I emailed back to confirm that I thought my claim amount was reasonable and the outstanding balance wasn't actually for goods but rather charge after charge been added to the account. I also advised that in the paper work they sent out to me there was no notes of me calling them other than for a fault with a purchase back in 2009. But that I had evidence that I called them to ask them to move my payment to avoid the charges due to a change in my work but was constantly advised no. I then said I would seek advice from own solicitor and left it that. And this is where I am, sorry for rambling but I really do not know what to any more. Any help or advice will be greatly appreciated. Thanks In Advance

Hi, We are currently in disagreement with our previous landlord regarding return of our deposit. I have been letting in London for over 11 years and have never had any issues so I'm pretty new to this. We are coming to the end of negotiations and the landlord is currently insisting that it is us who raise a dispute with TDS. This has alarm bells ringing for me as I don't understand why the landlord does not raise the dispute themselves. It brings me on to the online evidence portal. Do both parties have access to the evidence AFTER the TDS has received ALL evidence? or Does the person responding to the raised dispute have access to the evidence BEFORE they respond? I only ask because for one of the things our landlord is making deductions for, I have hard evidence to support that the claimed work was definitely not done. My worry is that if we submit this in our evidence, the landlord will see it and then either tailor the evidence or try to do the work before they submit their evidence. Can someone please shed some light on how the online evidence portal works and any advice on this matter? Thanks a million

I ordered 4 items online from Homebase on 30/04/2013. They have not yet been delivered. I wanted to refund/cancel 2 items on 10/04/2013. They have confirmed refund and processed (for the 2 items), but I have not been creditted with the money. They quote 5-7 days for refunds, it is now 10 days, still no refund and now they are not replying to emails. They are deliberately holding onto my money. They can process sale payment within seconds, yet refunds take weeks! Is this not "Evasion of liability by deception, UK Theft Act 1978 - Section 2: ...induce the creditor to wait for payment or to forgo payment..." They have quoted 5-7days when they know this to be untrue. Homebase are [problematic], like some [problem] artist, who keeps promising you the money, but never ACTUALLY pays up... Homebase ... AVOID !!!

I seek a very specific piece of advice about using the small claims online service. I think it likely I will have to use the service to claim for a fake windows licence on an eBay laptop which didn't reveal itself until way after the PayPal 45 day limit for raising a dispute(thanks, MS). Only two parties can be named in the online claims form. One is obviously the seller - should the other be My MasterCard provider (the ultimate fund provider) or PayPal (who actually paid the seller) ? Other info that may help with the query: Citizens Advice said they couldn't help me with this query. I post here on the suggestion of an ebay User, who cited good legal knowledge here. Another ebay user helpfully found this relevant link: (I'd post it, but I'm not allowed to, so I'll put text in here instead) moneysavingexpert.com^/shopping/^/section75-protect-your-purchases Which has this extract: "When you buy through third parties. ..Paypal.. etc. You're unlikely to be covered when payments are made to a company that isn't the one providing you with the product or service. In these cases, the credit card company usually says it didn't have a direct relationship with the supplier, so isn't equally liable. If you stand your ground, it's possible to argue that the indirect relationship constitutes an arrangement to pay. The Court of Appeal decided this was acceptable in 2006, but it's unlikely to be an easy task. The first main area is paying via an online processor such as PayPal, WorldPay or Google Checkout. Though these can have their own refund systems, they aren't as strong as the legal protection of Section 75." I have contacted the Credit Card company, but I doubt they will respond favourably, partly because of the above, but also because the laptop was it was less than £100, as that was the going rate for such items on eBay at the time. After two months setting the laptop up for my son, I just wanted to get on, so had to pay the £130+ to MS just to not waste all the effort & take away my son's homework portal. Note: a tied Win7Pro laptop licence on a Dell Latitude D630 isn't worth what MS charge to validate a fake one.

Hi I pre-ordered some goods from http://www.black-eagle.co.uk in Auguest last year. You could order the item at a discount with the promise that it would be delivered a few months later. Well the date passed and I emailed then and found out it wasn't made yet. I did this every few weeks or so. I March I got an email saying "We are working through the orders and have decided to cancel and refund due to the delays. You will receive an update in the day day or so." I didn't get anything. Then I get: "It seems we are not able to process refunds after so long a period. Therefore, we are offering Credit Vouchers that can be used on future orders. We will update all orders during the course of this week to confirm this." I said this wasn't legal nor acceptable and I got another email saying: "Due to circumstances beyond our control, we have cancelled this order. Due a change in our payment providers, we are unable to offer a refund against your order. Therefore, we can only offer you a Credit Voucher to be used against future orders. Please contact us prior to ordering so we can send you your voucher for the value of your refund." I complained saying I wanted the money immediatey and got: "Email me your bank account details and I will see if we can get this done for you over the next week or so. We are not able to do this 'immediately'. Our intention is only to try and offer a solution should customers wish to take an alternative product in the mean time. I can assure you we are not happy with the situation either." I said that a week or two isn't any good given they've had my money for most of a year and got "The problem we have is purely cash flow, as a result of the issues caused to us by the factory, hence the reasons why we are actually slow in being able to provide refunds. That is the reason we offered the voucher, which I hoped may be acceptable to most. So far, that has been the case as has the offer of an alternative when we get a reply. I am trying to help customers with alternative options, that is all." I called CAB and they said write giving them one week to pay up or risk legal action. I've done this but had no response to this or another email. So it seems they lied about the reasons why no goods or money has been forthcoming. Firstly it was down to the factory letting them down. Then it was a "change in payment providers" and now it's "cashflow". What's my next best step other than driving up there and extracting the money from them manually?

I made a £66 worth order of some beauty products at thebeautybooth.com on 13 feb, 2013 shipping to Hong Kong, paying by credit card. Probably because of the recent change of royal mail international shipping rules, I have never received my parcel because my order includes a bottle of nail polish. I have been contacting thebeautybooth.com by email for so many times but so far I only got one email reply, they said they are experiencing problem sending nail polish to overseas, and if I did not receive anything after a week of that email, I should contact them again and they will send me a replacement order. After a week I actually did not receive anything, so I emailed them back, and I never receive any reply from them. Couple days later I called them directly from Hong Kong, they agreed to refund the nail polish in full to me, and will send me a replacement package with the rest of the goods. After almost two weeks, I did not receive anything, neither the refund nor the goods. So I called them again. They said they are processing the refund soon, I am not happy with their response and I requested a full refund. They agreed and they said they will process it soon after hang up. Since then, I never received any money refunded by thebeautybooth.com. Total amount is £66. Normally when I return goods to asos.com or Topshop or other online retailers in UK, after they receive the goods I returned they issue a refund straight away, and the money would appear on my bank statement within 5 business days. In this case apparently thebeautybooth.com did not process my refund at all. I looked for similar situations online, and I found out that there are numerous people having same issue as me after purchasing from thebeautybooth.com. They were leaving wall posts on thebeautybooth.com facebook page complaining that they did not receive their orders and they want a refund, but the administrator of that facebook page has not been replying since february, 2013. I am worried that I may lose my money to a fraudulent company. I am actually living at Hong Kong at the moment and I won't be going to UK anytime soon. I just lodged a complaint to adviceguide.gov.uk but I don't know if it would help me get my money back. Please advice what I should do. Thank you so much!

I have just done an online money transfer to another Santander bank account (I am also with Santander) but I made a mistake with the sort code. The correct sort code should be 09-01-32 but I put 09-01-02 by mistake. The money has left my account but, obviously, not shown up in the intended account. I have had a look online to see if there are any banks that have the sort code 09-01-02 and can't see any but not sure what to do next. It's too late at the moment to ring the bank so I'm gonna do that first thing in the morning, but was just wondering if anyone knew what happens to money that is sent to non-existent accounts/sort codes? Have I lost that money or will I be able to get it back? It's my own fault for being so stupid and not thoroughly checking the details before confirming payment, but I am in a real panic now as it was £150