Hi bought a computer for my daughter 4 days ago from currys/pc world. It was described as a social computer which means just basic use. I said thats fine she's only 11 so as long as she can play basic games and watch you tube that's ok. The assistant said yes. got it home and it was absolutely terrible. I think it took 6+ hours for all the updates, not sure exactly on the time but went to bed and left it on overnight. The next day my daughter put it on it did even more updates for half an hour and on the left side of the screen a name popped up (something??) whatmann? I just had a feeling it had been used before (was sealed when bought though). she managed to just add a desktop pic and couldn't do anymore because it was that slow. I decided to take it to my sisters house incase it was down to my Internet running slow, so tried again there. We could barely open a page without it freezing, took about 15 mins trying to open 3 tabs and wouldn't close them straight away either also YouTube was buffering so no music either and the front speakers set at 100% played at about 20/30%. Checked reviews later and they were all terrible, I've looked online about taking it back and people have all put their experiences saying they won't refund as item open and used, but if I didn't open and try how would we know. I really don't want to be stuck with this as it won't be and can't be used, I genuinely think it's faulty. Does anyone have any advice on my rights with returning it? Thank you. Packard Bell All in one 4gb ram 500 storage Hard drive £329 down to £249

Hi everyone!!! Hoping some of you might be able to help. Will try and keep this to the point as I know there are other posts that I have spent a long time reading but everyone's situation is different. I have been convicted of DD twice now and on the first time I served 14 months with doing the DD course. Second time was 2 years later and was given a ban of 4 years, 150 hours community service, thinking skills and another programme. I have now served half my ban and have hired a specialist motoring solicitor and a barrister (not cheap) to hopefully get my license back early. Due to go to court on the 8th September 2017. I know I am just taking a chance but have to try. As I will be classed as a HRO I will be required to do the medical and know as I have had an alcohol problem in the past things might not be quite as they should due to the amounts I used to consume. in theory if I am granted my license back by the time I do my medical I should be totally abstinent for about 9-10 weeks, does anyone know if this would be enough or if you have any thoughts or comments regarding the process? Just looking for help please, no hated comments, know I have done wrong (partly wasn't my fault) but yes I was driving. Been the worst time of my life and looking to get back on track to find employment and by knowing I will never go back to the way things were. Thank you all for reading my post! Best Regards,

Name of the Claimant ? Lowell Portfolio 1 Ltd Date of issue – 17 July 2017 date to submit defence 19 August2017 What is the claim for – 1) The Defendant entered into an agreement with Orange under account reference ..... ('the agreement'). 2) The Defendant failed to maintain the required payments and the service was terminated. 3) The Agreement was later assigned to the Claimant on 18/12/2013 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £465.45 remains due and outstanding. And the Claimant claims a) The said sum of £465.45 b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.102, but limited to one year, being £37.24 c) Costs What is the value of the claim? £632.69 including court fees Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Mobile phone account When did you enter into the original agreement before or after 2007? After Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? No, received one letter and then County Court Claim. Did you receive a Default Notice from the original creditor? I don`t think so. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? I cancelled the account in full accordance with the original claimant's cancellation procedure. What was the date of your last payment? 26th April 2012 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No. Hello everyone, first time here but I have read a few threads on here and seen the great work you guys do. I`ve got this county court claim that came through (22/07/17) as stated above I have gone through the necessary steps as stated in previous cases, that is Acknoweledgement of service (26/07/17), CPR 18,(27/07/2017) and now I am preparing my defence. My question is to do with the reply for the CPR I got from Lowell Solicitors, I received, the cover letter, the notice that they bought my debt and the notice of assignment from orange( very dodgey). Will post attachment if needed. My first question is, in the cover letter they state that my last payment on 26/04/12 was for £60.72 but in actual fact I paid £120 on that day, as backed up by my online bank statement for that month, should I mention this in my defence and if I should how would I word this properly? Secondly because of the nature of the notice of assignment (no official logo, no traceble name, not very professional) is there a way to dispute the disingenuous nature of the letter. Your assistance will be greatly appreciated .Thanks Mike

27 june 2017 bought 2.0t sidi vx line sri insignia 5000 miles on clock, paid around 17k for it, 9k trade in rest on 2 credit cards. dealer is 140 miles away from me - a very big vauxhall dealer. when i bought the car i started to notice a rattle, it really sounded like braked pads rattling, so i thought when i get time ill pop it into my local vaux dealer to get them sorted. however recently the rattling sounds got worse, it does it when letting clutch out, pulling away, travelling at slow speeds ie few miles per hour and did it when i went over a rumble strip i took the car into my local dealer yesterday who told me this noise was normal - i argued it was not and went on my way home, i got got home and called the dealer again and asked for service manager to call me i also lodged a complaint with vaux head office today the service manager called and asked me to bring the car back in, i can replicate the rattle every time with the clutch and i heard tyhis noise several times, they are now saying they dont know if this noise is normal or not and are going to get in touch with higher up people at vauxhall, vaux head office called me today to say they are taking charge of this and will call me again soon. what are my rights if they say this noise is normal? because i refuse to belive it is normal - metal is clearly hitting metal some where on the car - it is 100% not the brake pads now. this is a top of the range insignia, and i like it alot. theres 2 more of these cars available, id be willing to do a like for like swap, well moreso a full refund on mine and start again buying the other etc if i can reject this one, as i say im worried there going to say this noise is normal where do i stand guys?

Hi everyone I am new here and i am pretty sure my particulars of claim will be too vague after looking over it after filing for judgement. The complaint is that i paid a deposit to an estate agent/limited company to purchase a property through paypal. i never was given an opportunity to view it. afterwards i requested a refund of the deposit which they kept promising to refund but never did. moreso the director of the company illegally withdrew the funds of the deposit out of the paypal account even though it was a deposit and was not meant to be touched. Please be so kind to tell me how to word a correct particulars of claim thank you

Hi I ordered a Hisense 50" 4K TV from Argos on Monday and it arrived yesterday. After playing with it for a few hours, setting it up to my standards and getting to grips with all the functions, I discovered that the satellite EPG is all but missing. All it shows is 'No programme' until I click onto a channel, at which point it fills in the current programme and sometimes the following one too. This is absolutely useless. The whole point of an EPG is that you can easily see what's on without having to tune to each and every channel first. It also makes the PVR function useless as you can't schedule a recording when it's not showing in the EPG. I did some research (which I should have done before I bought it) and it seems the lack of an EPG is a known issue and is down to Hisense refusing to pay for a license. They also have no plans to do so in the future. This means the satellite tuner is effectively useless. The only reason I bought this TV was so that I could ditch my Sky box and use the tuner in the TV to pick up the free satellite channels and the PVR function to record shows. Without an EPG I'm stuck using my old Sky box. I suppose I could buy a proper Freesat box (or even get Freesat from Sky) but I was really hoping to reduce the number of remotes I have to deal with too. This TV was going to have everything in one nice little package; TV, PVR, Amazon Prime Video, Netflix. Bah humbug. I contacted Argos and was told that I can't return it because it's used and technically isn't faulty. Here's an extract of the transcript from my conversation with them: Dylan (17:19:03 GMT) : I can see that this is a smart TV. I'm afraid that with devices such as this, we cannot accept a return due to our security policies. However, if the item is faulty then you could take it into our store to have it repaired. Visitor (17:21:25 GMT) : It's not something that can be repaired. Hisense have admitted that the EPG is down to their reluctance to pay for it and they have no intention of ever doing so. It's not a mechanical fault that can be repaired, it's just not fit for purpose. Dylan (17:23:01 GMT) : Then this is not something we can assist with as the item does need to be faulty. The lack of an EPG by manufacturer's choice would not be considered a fault. I've had another look through the description of the TV on the Argos site and it actually doesn't mention the satellite tuner; it's not something they boast about for obvious reasons, so it's not really a selling point as such. One thing it does mention though is 'Freeview Play digital tuner'. I did a little digging and it seems Freeview Play is a blend of Freeview and Catchup services in one convenient EPG. This is also missing (yes, it has the latest firmware). Even if it was there, I can't use it as my signal isn't strong enough. I have a communal aerial which only picks up about 12 channels and none of them in HD which is why I purposely got a TV with a satellite tuner. Can anyone tell me what my options are? Thanks in advance. Toby

@PANDORA_UK Hi there, I would like some advice please. Last week I purchased a 'Abundance Of Love' ring from Pandora UK on their online store for my daughters 16th birthday which is this coming Thursday. The cost in the sale was £19 plus £5 delivery. Today I received a parcel from Pandora. In the parcel is my invoice for the ring at £19 and delivery £5. However in the parcel there were two jewellery boxes. One had a necklace and pendant in. The other had 5 x Pandora charms in. After looking on the website I estimate the cost of this order around £300-£350. I like to think I am an honest person and although my dispatch note only said the ring I thought its only fair I ring and tell them about their error. I called and explained I ordered a £19 ring and have received over £300 of jewellery. They said once I send the jewellery back to them they will dispatch my ring. I said is there anyway around this as I would like the ring for my daughters birthday on Thursday. (ok its only £19 but should have been £45 - money is tight at the moment and this was going to be a special present for her) He put me on hold and said he spoke to his manager and no they couldnt do anything until I sent the parcel back. I said ok is a courier coming to collect it. He then said no you need to take it to the post office tomorrow and send it back to us recorded delivery! I kept very polite and said I rang you and was 100% honest when I could have just kept quiet and kept all this jewellery and now you are telling me that I have to take time out of work tomorrow to go into town to the postoffice and I have to pay to return it. He said yes or we cannot send out your original ring order. I asked to speak to management but suddenly no one was available. He said someone would call me right back but no one has. Am I right in being extremely angry that this is their mistake yet I have to pay for it? Can they make me? Am I within my rights to refuse to post it back at my expense? I am more then happy to have a courier come and collect it but I work from home and cannot easily get out to town for the postoffice during the week. I am so upset that I did the honest decent thing and now I am going to be out of pocket and my daughter will not have her birthday present. Any advice is appreciated. thank you

My wife and a friend went to Corfu for a week long soul festival (music not heart and soul). The flights and transfers only were booked through Thomas Cook Airlines, the return flight was at 19.00 with the transfer collection time at 15.45. So they got the transfer to the airport at 15.45 as arranged but when they got to the airport the flight time had been changed to 15.15 so they missed their flight. They spoke to the TC rep who said it was their fault for not checking flight times and they had been sent an Email in Dec 2006 changing the flight times, On returning home she checked her emails and had not had one changing times and also the transfer to the airport had not been notified either. We know of at least 2 other groups with the same problems. They had to pay again for flights at 03.00 and for meals and train tickets back in uk ,also had to miss a days work due to being up all night. Thomas Cook airlines are denying all responsibility and saying it was our job to check they are doing there job as promised by them. What should be my next steps and do they have a leg to stand on?? Tony

I bought a sink from an online retailer who told me that it would be delivered direct from the manufacturer, not a problem. The sink was received on the 17th May was opened and checked on the 18th. On close inspection there were scratches on it that would have noticed so emailed the retailer on the 18th May to reject it as damaged. 19th may they asked whether I wanted a refund or replacement - in the middle of a kitchen fit so had to but a replacement locally - said I wanted a refund. 20th May - images of damage requested. These were sent and acknowledged on the 22nd May. 23rd May told by retailer that the manufacturer were going to collect and would contact me in next few days. 29th May - I contacted the retailer to inform that no one had contacted me. 31st May - retailer confirms that the manufacturer are chasing the courier re collection 2nd June - I contacted retailer with the following - This is getting ridiculous now. It is over a week since you told me that Rangemaster were going to arrange collection. This is something that should take a couple of days at most. As the retailer my contract is with you so, not Rangemaster (the fact it was delivered direct is irrelevant) so can you arrange collection forthwith. I will give you a further 3 working days (until 7th June) to do this or I will look to take this further. 5th June - email from retailer to say that they only seem to have this problem with the particular manufacturer and have chased it again. 5th June - email from retailer to confirm that they have spoken to the manufacturer and collection is confirmed for the 19th June. 5th June - I emailed - Thanks for the update however I must say that I cannot believe that they could not get it collected prior to the 19th June. That is nearly a month since I reported the damage to you. I could get this packaged and dispatched the next day so can't see why they are taking so long. This is large item taking up space which we are constantly having to move to get to other things. I will also need to know the time of the collection as I cannot wait in all day due to work commitments. 6th June - reply form retailer - Good morning, I know it’s ridiculous! We have spoken to rep about this to see if they can make this any better. 8th June - voice mail from manufacturer asking to contact them. 9th June - called manufacturer who confirmed that collection would be on the 19th June to which I asked why so long and pointed out I could get it collected today - they did not have an answer and told me to contact the retailer. I told them it is a major inconvenience as I am having a lot of work done at the moment and the box is constantly having to be moved as it in the way. I know my contract is with the retailer but I think it is a joke that it will be over a month since rejection to collection and I would guess another week or 2 for the refund to be processed - probably have to argue about the P&P fees as well!! What are my options or my next course of action.

If a staff member bought a item from a store they work at and that it turned out to be faulty, can they still return it without a receipt? Or can the managers refuse because staff simply arnt allowed a refund or exchange without a reciept as we have access to stockroom?

Thought this was interesting https://qz.com/998260/egypt-s-nile-farmers-are-going-to-back-to-beat-climate-change/

I bought some made to measure window blinds from an online retailer. They make it clear they cannot be returned if the purchaser gives the wrong measurements, so I followed their measuring guide to the letter. When they arrived the blinds themselves fit perfectly, but the fixings that hold the blind do not fit the recess I have. These fixings or their size were not mentioned in the measuring guide or anywhere else on the site. I have asked for a refund but they say they can't be returned as the blinds are made to measure. I said I wasn't to know the fixings would be bigger and not fit, and they said I should have expected they be bigger in order to hold the blind. They have offered a discount on an alternative blind which would fit better, but no refund on the initial purchase. They also pointed out I'd ordered a similar blind before and so should have known about the fixings, but I didn't fit that blind myself, and the window it was for wasn't so shallow, so such an issue never arose and I've never even given it a thought. Obviously I wouldn't have bought blinds I know couldn't fit - what would be the point? Where do I stand, in terms of returns? Thanks.

I bought a Google Chromecast Ultra a week ago from Argos. It turns out it is incompatible with my AV receiver due to HDCP (copy write) restrictions. Argos' receipt only mentions being able to return it (within 30 days of purchase) in its unused, original condition. I wasn't aware due to the incompatibility without using it. Can I still legally return this product?

Hi can anyone tell me who is responsible for the cost of returning a faulty item ?? I bought a watch from an ebay seller that arrived not working. The seller tried to resolve the problem by sending me a new battery but the new battery made no difference the watch is obviously faulty. I have raised a dispute with paypal who have messaged me today saying i am entitled to a refund once the watch is returned using a postal service that is online trackable. Paypal also say i am responsible for the postage costs. I thought the sale of goods act says the seller is responsible ?? Any advice much appreciated thanks. Steve.

Hi, I brought 2 sofas from Furniture Village on 20th December 2015 for the total price of £1000, they were on offer after being ordered by another customer and rejected on delivery due to a colour difference. We paid by debit card on the day but didn’t take delivery until the 5th January 2016, at the time we had a complete house refurbishment so stored them until early March 2016, 5 years’ warranty was standard then, now 10 years. In July 2016, we noticed the stitching coming apart on 2 seat cushions and on the sofas fame (one sofa), we called Furniture Village and asked the procedure for repair’s. We were informed that even though they still stocked the model type, they no longer dealt with the manufacturer therefore couldn’t offer a repair or replacement, they did however offer a credit note to the value of the purchase price, they also offered a refund to the purchase price. I advised Furniture Village that we had the sofas coated for stain protection (cost approx. £200) and my wife had brought some ridiculously expensive cushions / accessories to match the sofas (£180) I had receipts for everything, therefore taking a refund would leave me out of pocket nearly £400. I was asked to email my thoughts and what options I would like to take over the next few days. I asked on the phone and in a following email if they had experienced any problems (advised, no problems), I requested a replacement, if that was not able to be done I requested a goodwill refund of £600 to allow me to get the 2 cushions repaired, I also noted that if the £600 was refunded I would take responsibility for future repairs to that sofa, I included pictures of the cushions. A few days later I received a call from their customer complaints manager who advised that she had spoken with the manager of the store and was unable to offer a refund of £600, they would offer a goodwill refund of £400 due to the fact they could not replace the sofas or repair them. We had 2 companies come to look at the sofas and with quotes more than double the original purchase price no repair had been done, roll on to February 2017 both sofas are ready for the skip. All 4 seat cushions have split / come unstitched, I don’t mean a little gap, two of them have come apart by at least a foot in length, you can’t turn them over as the stitching has come apart both top and bottom, the other breaks are between 3 – 7 inches. Also, the rear back cushions which aren’t attached to the frame and just lent on have also come apart (3 out of 4, so both sofas and again by 4 – 8 inch breaks on the seem). Also, the stitching on both frames have started to become undone, showing the frame. I phone Furniture Village in January and explained that this was unacceptable, you might be able to excuse one as a manufacturing problem but two? and with every cushion coming undone in a year, I requested they pick up the sofas and offer the refund, I would have to swallow the protection and extra accessories costs. I was asked to send in pictures, I sent them and waited a week, I called back and was advised the matter had been passed to complaints they would call me in 72 hours, I waited 2 weeks, again I called them…. here we are late April, I have been told that I agreed to a fall and final settlement of £400 (I didn’t), I advised I had the email with my offer to them, this was rejected and they advised that head office had agreed that they have no liability, I had effectively waived my warranty. I mentioned that the goodwill payment was for two cushions on one sofa, and now all cushions across both are faulty as well as the frame, the fault had been identified in the first 6 months, admittedly we are now over 12 months, 2 months of that was trying to get a reply! Furniture Village would not offer any further assistance and mentioned I could speak to the furniture ombudsman, I could find the details online. Thoughts?

Four months after having sent Moorcroft a CCA request and having them acknowledge the request, they have today closed the account , sent me a cheque for £1 and returned the now disputed account back to Nationwide. I presume I now await Nationwide to either contact me directly or to assign or sell the debt to another DCA. I also refer to this line on the CCA request letter... " If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor" However this has come about after Moorcroft began playing Billy Suggers so I sent them a letter putting the account into dispute. Should Nationwide abide by this or have Moorcroft a right to wash their hands ? Also the dispute clearly states that the disputed debt cannot be collected, enforced or passed to any third party ? So if another DCA takes it over are Moorcroft and Nationwide breaking the law ? Please also note that no CCA has been produced.

Hi re where an order was clicked 'cancel', but they then auto email saying it is too late as it is preparing/about to be dispatched, but can refuse delivery. does anyone know from experience whether, if a delivery is refused (they say it will then be returned to them), that unamazing wld then charge for its return (ie deduct an amount off the refund). a quick look at their return/refund site seems to suggest that they would or could (unless it is defective/damaged/incorrect) thanks.

The maximum compensation payable to account holders and savers if their bank collapses is to return to its previous limit of £85,000. The Bank of England said the change to the Financial Services Compensation Scheme (FSCS) would happen by 30 January 2017. The compensation limit was lowered to £75,000 in July 2015, following sterling's rise against the euro. The FSCS covers current and savings accounts, and cash ISAs http://www.bbc.co.uk/news/business-38050155

Hi, I ordered two single beds/mattresses from Ikea which were delivered a week ago. After setting up a bed and mattress, we decided they would not be suitable for us and completed a cancellation form with Ikea within 7 days of delivery. They have advised me that they will refund the bed bases but only provide store credit for mattresses as they have been opened! They were opened to inspect and also to check that there were no undue smells, which can be associated with memory foam. The mattresses are unused, there is nothing in their terms and conditions to state that if opened they would not refund, nor in any of there pre sale advice. We would never purchase anything online without the opportunity to inspect and return for full refund if necessary, so we feel we have been misled here. The only reference I can find that may possible apply is an exception under the new consumer contracts regs with regard to items "received sealed for health protection or hygiene reasons once unsealed" I cannot think that would apply in our circumstances, we have the right to inspect as in a shop and they are unused, also they did not advise us anywhere that we would lose any rights should we open them! I have emailed twice so far and they have refused to budge in their stance so any advice on this matter would be very much appreciated, Thanks Derek

Hi all I bought 2 sofas just over a year ago when I was absolutely desperate. Now I'm suck paying a silly amount for sofas I don't actually like and have another 2 years to pay! I want to return them but don't know if that is possible! the interest of these items are making me sick! I know its my own fault and I knew what I was getting in for when I signed up Thanks in advance for any help.

Got a sudden issue with HMRC who have sent me a nastygram for what looks an error I have made on my 2015 self assessment return. I was made redundant and had a few jobs tying me over (as an employee) until I found a good new employment. To support my income I also did some catalogue selling for one of these door to door companies plus some selling on ebay. As this extra income needs to be taxed I did a self assessment. I entered all the details as requested online and submitted. My tax liability was adjusted through my next PAYE code and all seemed fine until a few days ago when I received a letter from HMRC stating that they were investigating my return as there was some income missing and they wanted me to call them by the 13.06 to help with their investigations. They are alleging a company gave them an additional income figure of £3110.- which was not showing on my return. They say the company told them tax of £160.- was paid against this to HMRC. They say I still owe an additional £500 off pound in tax plus they may fine me. I was totally perplexed as I had no idea what this was all about. The company named on the HMRC letter (let's call them M) was one of my previous employers in the period when I had a few employments after my redundancy. I left them end of May 2014. Before I started another employment (with company P) which only lasted 6 months or so before starting my current employment (with company L) Going back through my records I have a P60 for the tax year ending April 2014 from company M. Then I have a P45 from company P and all other records are from my current employer, L. I have now realized with shock that I do not have any P45 from company M covering the time from April to May 2014 in my records and that the amount in the letter from HMRC must be the wages for those two months April and May 2014. As I have no P45 in my folder for those two months I obviously omitted those eight weeks of employment from my return when I completed it in 2015. I tried to phone HMRC but they are closed by the time I get home from work. Although it would appear I made an error on my return, what I don't understand is, why HMRC calculates £3110.- of salary at a 20% rate of income tax. I have never paid 20% income tax as my income was never that high. (Always below 20 K pa) So why do I owe £500.- in tax on £3110.- of wages which have already gone through the PAYE system at the time. I am totally confused about their calculation.

Hello, please can anyone help? I had three identical items for sale on ebay. Sold one and posted it off. Got a message saying it had been damaged on the way. I sent a replacement straight away and said once that arrives and is all fine I would arrange for the original damaged item to be collected. I thought that was better than asking for the damaged one to be sent back first. I got a message to say the second item has arrived and is fine. Ever since then I have been messaging asking when would be convenient to collect the damaged item, but no reply. I have written by Signed For post and still no reply. This is now just over two months with sixteen messages and the Signed For letter, all polite just asking if I can arrange collection, and no response. Can anyone suggest how I should pursue this. I have read the buyer cannot keep the original, but am not sure of the best way to pursue this. Thanks very much.

Hello all My sister in law accidentally paid £200 into my Barclays bank account instead of to my brother. This was an old business account I have which I had not used for about three years. The charges and interest has mounted up in I to the extent that it is £1200 overdrawn. I had not heard from Barclays at all for several years despite this being an unauthorised overdraft, no phone calls, no attempts to get me to credit the account, no letters. They just let it go. And so did I. Anyway my sister in law contacted me straight away and I said the best way to tackle this was for her to contact her bank and ask for the money to be returned via the Industry standard process for mistaken payments. This process allows for the return of the money within twenty days if I do not object and of course I do not. I then received a phone call from Barclays stating that they had received a request from my sister in law's bank (Lloyds) and they asked me how I intended to credit the account (with some £1200) so that they could return the money. I told them that it was not necessary for the account to be credited. I told them they should follow the industry standard process and return the money. There then followed a lengthy and unsuccessful (on their part) attempt to get me to restore the account. I told them that whether or not I did so should not be linked with their duty to return the money in line with the industry code as I (clearly stated) I was not objecting to it's return. Eventually they agreed they would do so. Much to my surprise my sister in law contacted me to say she had received a letter from her bank Lloyds saying they could not get the money back because I had objected!! This is entirely at odds with what I said to Barclays which was that I DID NOT object to the money being returned and that they SHOULD follow the industry Code of Practice. (I am somewhat familiar with this situation and the Code of Practice as I had earlier in the year made a payment into the wrong account in our business much to the annoyance of my partner and researched what to do though in this case the recipient was known to us and he returned it less £17 for a bottle of whiskey!). Barclays have taken no other action with regard to the account in the intervening two weeks except to keep it alive in their system and have just added another month of fee and interest charges. I have had no default notice, account suspension or anything else. Can I ask fellow CAGers the following: 1. Am I right to believe that not withstanding the state or status of my account that if a payment is mistakenly made into it and I do not object to its return then that return must be done and within a twenty day time scale? 2. Presuming the answer to 1. is yes then what should I do now? Many thanks for reading and I hope this thread will be interesting and entertaining!

Hello Every one I am Not sure what to do and i am looking for your advice on what i should do here is the story In July 2014 I borrowed a neighbour a tool set for the day and i asked him many times to return it but he said he hasn't finished with it that was a few months after he borrowed it. Then he stopped speaking to me now the other day my partner asked him to return it and he said he did not have it or not sure where it is, or some one he let in house stole it ( I do not think heis telling the truth and think he wants to keep my tools ) I was going to leave it at that and not bother with him. but the tools hold sentimental value as my late farther bought them for me and i borrowed them to him in good faith. I know this person has stolen tools from work colleagues before as he told me he did when he worked in a garage. i was thinking on just going to the shop where tools were bought and sending him a bill for a new set and if he did not pay after bill take him to small claims court. but i do not know if this would be good option. I think its theft but not sure what do you people think Thanks for any advice

a quick summery , conditional sale agreement taken out with them 26/11/2014 around £13k total i think monthly payments £217.58 only got certain parts of my agreement with me as I've mislaid them, not up to 1/3 payment, that amount is £4279.07 had the car from november 2014 only had 1 late payment due to bank account change issue and so far all up to date, i rang them in april and explained my circumstances have changed and i can no longer afford the payments and asked if there anything they can do to help, the guy on the phone changed my dd payment date- i sort of got a month off payment, which in the agreement i can do this anyway, I'm self employed and been though a bad patch since i had the car, and obviously got crap credit as I've turned to them in the first place. I'm around £25000 in debt without the car been added on and the situation is now dire, I'm getting behind on my rent and council tax payments and the payments i make on the car would be better used to pay more pressing arrears. whats the best plan for me to return the car to moneybarn? im not going to lie, ill either be in forced or voluntry bankruptcy by the end of the year as its got to much to ever pay back and survive with the money i earn. just need some advice on where to go