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  1. Hi, not sure if i have a case on this but thats why im asking I bought some trainers around 9 months ago from Kicks.com who are based in Germany. Some of the rubber started coming away on the back of the trainer so i sent them back. Although 9 months old they had rarely been worn so were in excellent condition. I'm normally very happy to accept store credit but in this case i've been looking at their site daily for about a month now and have not able to find anything i like in my size. Im a right fussy git when it comes to trainers. I emailed them numerous times over this period politely asking for a refund explaining the above but they have refused. As of last week they are now ignoring my emails. I just rang them today and they are sticking to their guns. Am i entitled to a full refund to my debit card at all? Thanks for reading.
  2. Hi I was going through my file of statements for a Store Card taken out in 03 and realise that there is a long list of Late Payment Fees added over the years. Creation has always been the company receiving my payments on behalf of the store. And has always been the company inundating me with calls when I miss a payment !! I do use the store card every now and again. I do pay monthly, sometimes clearing the balance in total, sometimes paying the minimum. sometimes a higher amount. There is currently £500 owing. I have added up all the Late Payment Fees. (Actually Creation changed the name to "Default Sum Fee - Arrears" in end 2008.) The fees have been £10, £12 & £22. From mid 2005 to date the sum total of charges is: apx £240. Compound Interest is apx £995 Total Charges + CI is apx £1235 So their statement says I owe £500. Yet I consider, given the above figures generated from a CI spreadsheet, that they owe £1235. So should I write to them a letter saying I want these charges + compound interest reimbursed to me??? In addition since Jan 2015 Creation has added "Interest on Purchases and Default Sums (if applicable). So 6 months of interest charges on their charges??!! This doesn't sound like fair practise....
  3. Hi all, Over the past 6 weeks or so, ive been having intermittant crashing of the xbox which has started getting more and more (so far today in 1.5 hours 4 crashes). Ive been on live chat who got me to do various trouble shooting. It happened with 1 game more than others so ive even replaced the game but it still happens (maybe the game is more processor hungry) I purchased the console approx 29th Nov / 1st Dec 2015. Can store exchange it (GAME) or does it have to be MS? Thanks
  4. Argos owner Home Retail Group is setting aside at least £30m in compensation after admitting thousands of store card customers were overcharged. The company has launched a detailed review into the issue, which relates to "buy now, pay later" plans for some of the retailer's 1.5 million store card holders who were charged excess fees for late payments. Chief executive John Walden said it affected up to 10% of Argos card customers. They are expected to receive compensation of up to £100 each and Home Retail (Other OTC: HMRLF - news) will write to affected customers in the next few weeks. The group said it had found that "a more extensive customer redress programme" would be required than first thought when the issue was discovered earlier this year, increasing the likely cost by about £30m. https://uk.news.yahoo.com/argos-owner-faces-30m-bill-085323975.html?nhp=1
  5. Hi, I received a letter from horizon parking about 4 months ago saying that I had overstayed in the car park by about 7/8 hours, I wrote to them to appeal saying that I had not stayed that long when I had actually gone in earlier in the morning then came back in the afternoon as well I don't think the camera caught me going out or back in only caught me coming in the morning and going out in the evening it looked like I had stayed for the full time there. They asked me for receipts to prove I had been in but who actually keeps receipts. I asked a friend what to do and ignored the reply and now I've received this letter from Debt Recovery Plus saying I need to pay them. What is the best option for me as I don't want to pay the fine as it's definitely not my fault. Will they take me to court?
  6. Hello, Its my first time when i am trying to claim my PPI - can someone help me where to send complains I had a few store cards, all now closed and all information are from my Equifax account DEBENHAMS 2009 - 2013 - NewDay MONSOON 2007 - 2012 - NewDay TOP SHOP - account closed 2009 - GE Money River Island - NewDay NEXT - (2006 - 2012) I had as well Personal loan from Ocean money and again I dont have idea which address to use? Any help will be appreciated
  7. Long story I defaulted a number of years back on a Burtons card and it was eventually passed to the Lewis Group. The lovely people at the Lewis Group took out a CCJ and I was ordered to pay it back at £5 per month. I have been doing this ever since paying the £5 per month. Eventually it was sold on to Arrow who use Rob Way as agents. I had to state to Rob Way that a CCJ was in place so they stopped pestering me. Which I kept paying each month. Now I received a letter from Arrow that Rob Way is no longer managing the account and has been passed to Restons. From what I have read Restons are not exactly a great company to deal with. But am I right that once a CCJ has been put in place that they cant get another one on top? Also all I should be paying is £5 per month. The debt is for £400 I have told them my situation has not changed and I will carry to pay what the court ordered back in 2011. Either that or gave them an offer of a full and final of £50 which my friend has been able to give me to get them off my backs. I am undergoing cancer treatment and I really dont need this on top of it all. I assume Restons are a solicitors I havent heard anything yet from them but I really dont know what if anything they can do given I been paying the CCJ since 2011???? Your thoughts please ????? is the f and f a decent offer given I am on sickness benefits?????????????
  8. New Aldi has opened up in Portishead, Bristol - and includes ANPR cameras for Parking Eye, with an hour and a half parking limit. They have made two mistakes..... (1) They bought the store from the Co-Op who decided to pull out of the town due to increased competition (Waitrose, Lidl, Iceland, Sainsburys etc) but the original covenant when change of use was placed on the land and Co-Op got planning consent was that a minimum of 2 hours free parking is provided. (2) The planning application for Aldi to make various changes to the store appearance & to redesign the car park didn't mention the installation of signage, sign posts & the ANPR camera pole in the car park - the planning approved design / layout plans didn't show the location of the poles etc The store has only been open for 3 weeks and the locals aren't happy, North Somerset Council are investigating the covenant & planning breaches.
  9. Wrote to advise of financial difficulties. Have been paying min payment for last 3 yr due to other debts. They actually didnt renew my card when due 2yrs ago so they obviously not happy to extend credit. Have now defaulted (3mths) and advised will only pay £1pm. Also asked them to look at fact that interest etc over 3yrs is majority of debt. In light of this would they look to reduce debt accordingly. they have replied saying may consider my offer but need i&e. Gesture of gw have refunded x3 late payment fee and x1 returned payment fee. charges and interest are in line with my credit agreement they state. no PPI. they have asked me to provide i&e plus bank statements and payslips plus proof of other debts..... They know i have debts as they didnt renew my card due to credit history being shot! How much info are they entitled too? Any thoughts? Worth haggling over trying to get balance reduced due to their extortionate rates? Debt about £400. I didnt ask for cca as didnt think apply to store cards. Thx in advance.
  10. Is it right that an online store (Debenhams) have got authorisation to take funds from my account for an item that they have now told me is not in stock - still advertised on their website as being in stock though. I completed the order and got email confirmation (although the T&C's say no contract is formed until the item is dispatched) and then shortly after received another email saying the order is cancelled. Are the online stock systems so poor that they do not update automatically. I have called my bank and I will not have access to the funds until the authorisation is withdrawn or 10 days pass. It is not the amount here but the principle.
  11. Dear all, I am 19 years old and was apprehended by security officials whilst leaving this department store a day ago. I know shoplifting is wrong, this is my first offence, and I want to keep it that way. They took me into a side room when they told me that this was due to shoplifting a month ago. One security guard said he remembered my face. When I asked if I could be shown the tape they said only the police could access that, and if I didn’t comply the police would be called and they would see/would be able to show me the tape. They asked me my details (name, DOB, address), which I gave them, and also to empty the contents of my pocket/bag. I showed them what was in my bag and my pockets. They saw my ID via my buspass as I had no other ID with me and took photos of it and of me. I told them I am ill, with epileptic fits and some forgetfulness which is true. I paid via bank transfer but DIDN’T admit to the crime – I said I couldn’t recall being in the store at the time. After paying I was given a letter saying I was banned from the store and that my details would be passed onto the police to say the matter has been resolved. I want to know if you guys think I did the right thing by complying. Do you think they were lying about having it on tape? Also they said the matter wouldn’t be on a criminal record or anything, so I assume I didn’t this won’t appear on any background checks even extended ones? Thank you for your replies!!!
  12. I find this story quite amusing. The Mother has said she was made to feel like a rubbish mum - but instead of a quiet word of complaint to the Manager/Head office - she rushes off to the Newspaper ? Was the store right to ask the Mother and child to leave ?
  13. Hello everybody, I recently purchased a guitar effects pedal from a store over the internet via PayPal. I sent it back the next day during the cool-off period. The shipping in the online ad states free delivery. They have refunded me the cost of the item minus £6.99 for postage. I did a quick web search and came up with: The Office of Fair Trading; “The OFT’s view is that the normal postage and packing charges for the delivery, but not the return, of distance sales purchases must always be refunded in addition to the cost of the goods when orders are cancelled during the cooling-off period.” From Out-law.com: “Online shopping customers who send back goods straight away must not be charged for their delivery, Europe's top court has said. Consumers can be required to pay the cost of returning the goods but should be refunded every other cost, it said. 15 Apr 2010” “The UK's Distance Selling Regulations govern this right and consumer regulator the Office of Fair Trading has previously ruled that refunds must include the cost of postage or delivery of goods.” I contacted the store with this information and they sent me the following reply: "Thank you for your email and I do appreciate your point of view If you change your mind, you can return your purchase in its original condition within 14 days to us for a full refund minus any costs incurred for the initial dispatching using our express courier and any costs incurred by -------- for the returning of the order. Please note that shipping discounts are removed if your full return or partial return takes your order below the free delivery threshold (this only applies for items that have been sent). Orders which have received discounted shipping (for example, free next day shipping) will have to cover the initial express courier dispatching, normally £6.99. The fact that you received free shipping is because we applied a shipping discount to your order and paid this shipping as a goodwill gesture. We do not ship item via any standard (normal) delivery options and ship everything using express next day service therefore we are entitled to recoup any delivery costs from the refund. I am afraid that the £6.99 deduction is correct and does not breach any consumer rights. So, are they correct to deduct the postage or not? I would be very grateful for any answers to help me resolve this. Thanking you all in advance, Nigel
  14. hi, Has anyone confronted with the situation like I have an iphone with contract from 3 and now phone not working, went to apple genius bar and they confirmed that phone unrepairable and needs a replacement , went to 3 store and got info that in that case i need to purchase a new apple phone from apple store, send to them authorisation paperworks from genius bar and receipt and then they will refund that money amount back to me. So maybe someone has any experience with this? Anyone got a refund ? I need a phone , and 3 customer service says this is the only option , but it is quite big amount of money and i'm afraid that they won't refund me ? ........
  15. My other half was paying monthly for an old debt to Capquest. On 20 October she received a letter from Capquest stating, " Thankyou for your payment.Your account is now closed. We`ve updated your credit file to show your account as fully satisfied. If you have any questions contact ............etc" She stopped making payments. Fast forward to 9th December and she gets another letter from Capquest saying "The amount owed £90.60 and that as of 9th Dec Capquest will move the management of your account to drydens Fairfax solicitors .As a result drydens Fairfax will contact you shortly regarding your continiuing payments." What is this all about????? Thankyou for any advice.
  16. http://www.stokesentinel.co.uk/Aldi-customers-told-register-vehicles-store-face/story-27985958-detail/story.html I don't see how this really helps with the congested car park as anybody is still allowed to park there without using Aldi...
  17. Good afternoon everyone. I have a particular story to tell: In May I have had a problem with a Lg g2 and contacted the seller, which is a shop on Amazon. I was suggested by the seller to contact a local store for having the mobile repaired. The mobile had a small problem to the headphone jack, the icon of the headphone was constantly on and I could not use the speaker. I went to a local shop and they have kept the mobile for one day and repaired it. The day after I have taken the mobile and used for one day before going back to the store because one of the volume buttons was not working. They have taken the mobile and after one week they have told me that the engineers could not turn the mobile on anymore. After that moment I went to the store at least 10 15 times and after 120 days they keep asking me to go back and waiting. Today, 10/10 I advised them I was going to report them. The mobile costed me one year earlier £310 The police told me that they do not deal with these issues and that I have to talk with a lawyer. Should a citizen pay for having their win against these sellers? This seller is the actual Shopping Palace in North End Road. I will never go back anymore there. But what to do now? Regards, Fenixo
  18. Hi. My 15y old child is banned from an M&S store for swearing at a member of staff. Is the company allowed to throw us out of the store 6 months later when I decide to go in there together with my child to buy clothes? Thank you
  19. http://www.kentonline.co.uk/medway/news/mouse-infestation-closes-supermarket-41346/ I like one of the comments from readers of this article.
  20. Hello, I was wondering if anyone could let me know what they think of a little dilemma I have at the moment with NewDay Ltd please. Yesterday I posted a CCA request along with the £1.00 PO to their current registered address and today I checked the Royal Mail website and apparently the letter is to be 'returned to sender as addressee has gone away'?? I then went on to the Interim Consumer Credit register and the postal address I used is the one still on there. I have noted the email address of the main contact from the register when the letter gets back to me I shall email this person to ask what on earth they think they are doing. Does anyone have any thoughts on this as I would be grateful for some input before I continue trying to contact them - I could phone but I do not want to be drawn into a long winded conversation with someone trying to fob me off. Many thanks.
  21. These guys were calling me 17 times a day on mobile or landline and really aggressive. Debt owed was £1900 they added huge % and penalties so now £3100. Opened Sept 1996. I foolishly sent cheque for £1 with CCA which I am 99% sure they copied my signature to a Credit agreement,where theyactually spelt my name wrong so I know I didn't sign it. They sent my account to Drydensfairfax who wrote several letters threatening court action etc but have gone very quiet since Feb this year-waiting for next move. I replied to Drydens saying they had not returned a CCA and was therefore unenforceable, heard nothing since. No statements,no calls nothing-eery- I CCA'd them in Jan 2014-they sent several attemptsat reconstrued CCA type A3 blank credit agreements-which had nothing,no details on them....their % was 26.5% . Stupid me to have got in this mess but I had quite a nice business then a creditor liquidated owing me huge monies and I lost everything-tried to survive for a while using CCards to support myself and pay debts with each of them -made it worse.hey ho such is life.All ok have my health,my family and it's summer at last
  22. Hello everyone. If I obscured too many details in the attachment please let me know and I'll reupload. How can I get rid of this charge? I was in the store's coffee shop working on my laptop, I have a bank statement showing the date and amount spent. It wasn't a huge amount, less than £10 because I wasn't shopping for groceries. I was just having coffee and some pastry/sandwich while working on my laptop. I shop at this store frequently, in fact it's the only store I go to shop for groceries. I spend loads at this place. So irritated to get this ticket... The lot wasn't even full! Any help is much appreciated. Thanks.
  23. Hi recently I SAR to santander and have received back info regarding a Burtons store card that I had, I honestly didnt realise I had PPI on the the card as I had signed up for the card in store one day I visited Burtons. (sales rep saying I need two signatures at the marked Xs) what I am asking is . .. do I have a claim for PPI, if so could someone please advise me what to do. I can upload images if anyone needs to have a look at terms & conditions and some statements.
  24. Hi All I'm sure I read somewhere that it is now against the law for an employer to offer incentives to employers if they persuade customers to take out a store card. But what if they threaten to punish employees if they don't persuade customers to take out a store card, or at least attempt to persuade them?
  25. Hi I came on this site to find out about my student loan deferment and realised that someone may be able to help me with a spot of bother I have got myself into. I went into a Three store 3 days ago to look at a phone I was thinking about buying. I ended up buying it on contract and was under the impression that I could cancel it and have my money refunded as I specifically asked the salesman "I can cancel this can't I" me meaning that I would not be worse off financially if I did. I went into store to cancel it because I decided it was too expensive and was informed that there was no 14 day cancellation option and I have to keep it. Is there any way for me to get out of this because it is not very economically viable? From what I have read some companies offer a 14 day cancellation service but are not required to by law if you go into store to sign the contract. Any information to contradict this would be gratefully welcomed. The phone and sims are unused and sealed. Thanks Jon
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