Any help appreciated I bought a car on HP in 2003, It was beyond my means and I only made 4 repayments -the car was repossed in 2005. I had a company called Marlin ringing me at work constantly and I was bullied into paying £15pm - I moved house and changed banks and the payments stopped in 2013. In 2015 I had letters from Cabot requesting money - over the years I have argued with them over the debt. They say it was assigned to them in 2016 yet I have statements from the original HP company in 2007 showing the balance - so how can they have it assigned if it was still with the original lender. It was due to become statute barred on 01/02/19 - however Mortimer issued an online claim on 27/12/18 - I defended and requested a SAR - they have only sent me 2 out of 9 pages of the credit agreement - which includes PPI and Gap insurance. There are various inconsistencies in the paperwork, dates amounts etc. Do I stand a chance in court of getting the claim in my favour or should I just negotiate with the Solicitor on a reduced amount?

Hi all, Firstly I wasn't quite sure which area to post this, so apologies if I've got the wrong place. Right, to my question. I won £6500 on an online casino last July and they are refusing to pay me. I have done all of the SAR, online mediation, contacting the CEO of the company, involving the gambling commission etc etc to no avail. The casino's stance is basically "take us to court". I'd love to as I've got a water-tight case, but the problem is that they're based in Malta with no UK service address. Questions: - Am I correct in thinking that I have to take them to court in Malta? and if yes.. - Does anybody know how to do this and if there are any solicitors who may specialise in these type of overseas disputes? - Any other general advise on how best to proceed? For info, the casino involved is Slotty Vegas and their parent company is Max Entertainment. Many thanks, Lee.

I owe one of my creditors £32000, (more than half of this is their solicitors costs) after speaking with Business Debtline and preparing a budget I offered them £440 per month. They got a order for me to attend court for questioning. I went to the court with the documents requested which were statments for all bank accounts, HMRC returns etc. Their solicitor was there and asked me questions regarding my income, (although they hadn't listed their questions before hand) After court the solicitor wrote and asked me to supply my bank staments since 2017, I replied they have seen all my current financial position and ability to pay. They have written back today to say they are trying to deal with this amicably and if I dont send through what they want they will get a court order and those further costs will be added on to my debt. Can they get a court order to see that far back?

Hope I can get a quick bit of advice/knowledge from you guys. Lowell have been sending my husband the usual series of threatograms over a Talk Talk account debt and have now sent us a county court claim form. What makes this especially fun is that this debt is absolutely not ours. We have never had an account with TalkTalk. Hubby has even phoned TalkTalk and verified that he has never had an account with them (and they actually confirmed to us that the debt is question is not and never has been registered at our address - but we can't really use that info because under data protection they shouldn't even have told us that much). Hubby has a very common name and I can only assume that Lowell, being unable to find the actual debtor, have just sent out speculative threatograms to everyone they could find with that name in the hope of bullying someone into paying. We haven't bothered replying to the threatograms because, quite frankly, why should we? It's not our debt and we are under no obligation to send them personal and/or financial information (also, in my past experience of DCAs chasing a debt for a previous resident of our address, these companies are extremely reluctant to remove a name/address from their records unless you can provide them with an alternative address at which to chase - they would rather continue to pursue payment at an address they know not to be that of the debtor than have nowhere to send threatograms to). I am submitting our defence to the claim on the website and it's fairly straightforward because it amounts to, Sorry mate, not our debt, sod off. But I would like to get Lowell in as much trouble with the courts as I possibly can for their unscrupulous shenanigans I would like to know what the regulations are (I know there are regulations DCAs are supposed to follow, not that they often do) about chasing debts/issuing court action etc when they haven't even ascertained that the person they are chasing is the actual debtor. Are they in breach of regulations here? Or are they actually allowed to send out threatening letters to everyone with the same name as the debtor they are seeking and take people to court just because they have the same name as a debtor? Any help/thoughts/guidance much appreciated.

Hello folks, I tried taking out a mobile phone contract with EE in 2016. I was declined and, on contacting EE, was told there were three T-Mobile accounts in my name from 1999-2002 (approx) with an outstanding debt of around £450 in total. I finally got round to sending an SAR letter last month and received a reply today. EE have sent me a couple of pages of account notes but no mention of the outstanding amount(s). Firstly: based on this, I'm pretty certain that EE have sent me incomplete data - however, without knowing how their systems work, I don't know _what_ data they must hold on me, but at the very least, somewhere, there must be a total amount owed. Secondly: the notes say that I disputed that the accounts were mine (which I did), and EE decided that it wasn't fraud because the accounts were opened using my name, address and date of birth. I genuinely don't remember opening these accounts. How can EE be so certain that I opened these accounts simply by checking that my name, address and date of birth match? I just want these accounts removed from my record so I can, should I still want to, take out a new phone contract with EE. Is there anything I can do here, or do I just need to accept defeat and find a different mobile phone company? Thanks in advance Alex

Hi everyone I’m not sure what’s happened but my council are taking me, my brother and sister to court over unpaid council tax. I’ll upload the documents so you can see what they’ve said. But I’m certain the amount they're quoting is wrong. My council asked me to increase the amount we pay each month around the beginning of this year. I think March or April but not too sure. I changed the amount we send to cover what they said we needed too. Then I didn’t hear anything until August this year where they sent a bill that didn’t make sense. It made out that we hadn’t sent anything to them. Now at this point I’d just lost my job so I ended up burying my head in the sand why I looked for a new job thinking it’s wrong and they’ll work it out. Again didnt hear anything until the 2nd of November when we got a court document saying we need to go a hearing on the 22nd of November 2018. I’ve only managed to find a job in the last week so haven’t been able to get on here to upload it when we got it. The only reason I can think of for them saying we’re not paying is that the payment could have the wrong account reference on the standing order. When we moved into this place at the end of October 2017. The same council contacted us about payment with us being in the same area. I updated the payment on the standing order we had for our old place with the same account reference. I did this because they didn’t change it on the letter we got when we moved into are new place. But the letters I’ve got since August have a different account reference on them. I can’t see it making a difference though because until August this year I didn’t get anything saying we hadn’t payed or owed anymore then what we’ve been paying. Would appreciate any help on this. Thanks Scanned Documents.pdf

I have been living in my current flat for approximately 5 years. Firstly with a partner and recently by myself. During this whole time I have had a pre payment meter taking debt every time I top up for a previous tenant. Through my own laziness and stupidity I didn't pursue the issue. I tried to at first but couldn't figure out where to start and about a year or so ago the 'debt' being taken off was a negligible amount (approximately 50p-£1 for every £10 I topped up). However, recently the rate that the debt is added seemed to have escalated to £2-£3 per £10 topped up. I should have pursued this much sooner I realise this, but I would really like them to stop charging me for a debt that has never been mine and to recover some or all of the money that I have paid towards this debt that is not and never has been mine. Is anyone able to advise who I should contact and how I should go about this?

My mum has had a mortgage for 45 years. It represents 17% of it's value. They don't want to continue it, once it reached the end of it's term, even after agreeing to continue it in May of this year. We only get to know a repossession court date is due on 30th of this month, 10 days ago. Barclays know she was staying with me over summer and it was only a neighbour checking post, that alerted us. (Barclays has made it very difficult for me to assist my mum on the issue) They wanted a message from the doctor, which they got, now they changed their mind and want a more formal letter via the post. Before 'possibly' reconsidering. Her rate was/is a minimum of 5% and went higher when rates increased recently. So they are earning well from her. Plus she paid off two loans they sold her, to pay off overdrafts, they kept letting her fill up! Until we asked them to stop. Both stink of miss selling. The impact of this will worry her, cause her to fear leaving her home and disrupt her recuperation with us. An effort that took her from being skin and bones, close to death (even with carers/social workers visiting), to eating and being more healthy.

Hi All , I was a bit silly and took some low value items from 2 stores and M&S yesterday. I was stopped on high street and asked to return to M&S, where they made me sign a Notice of Civil Recovery and Trespass and told to buy the products or they'd call Police. I wanted to know if M&S representation stated in the document as: Drydensfairfax, was one of these RLP companies ? Should I expect letters from? If so just ignore them? As far as I'm concerned I paid them back for what i wrongly took, and they let me go. They said they would notify the other 2 companies that I'd taken from and confiscated these items [mainly food]. The net value - not including M&S's, that I'd paid £30 for - was approx £90.00 so about £120 in total. If they pass my details to other companies, is that a breach of Data Protection? The security "ranger" didn't call the police, should I expect Police to get involved further? I'm not going to do the above again! I'd never taken from these stores before and have no record.

I've got it in my head that I should take a local minicab firm to the small claims court. Some friends think I'm stupid, others think I should go for it. Perhaps someone on this forum can knock some sense into me? On the 30th July 2018 I called my local minicab firm and booked a cab for 4am the next morning (31st) to take my family to the airport for a holiday. I was told this would cost me £30.00. I live 25 minutes drive from the airport and the flight was scheduled for 0630. At 04.05hrs the next morning with no taxi present I called the cab firm. When the phone was eventually answered I was apologised to and assured that a taxi was on its way and would be with me between 10 and 15 minutes. At 04.20hrs, with no taxi having arrived, I called the minicab firm again. I was told again that the taxi was almost with me but when I pressed the operator for an actual location he admitted the driver was in another area which I know to be at least another 15 minutes drive away, possibly more. (This is not subjective, Google Maps etc shows this to be the case). I felt I was unable to trust the person I was speaking to on the phone seeing as they had already lied to me with the initial claim that the car was almost with me. Worried that I may miss my flight I felt I had no choice but to drive to the airport and use the long stay car park. What should have been a nice gentle beginning to a holiday was a rushed nightmare. If the operator had simply been honest the first time I had spoken to him and admitted no one would be with me for at least half an hour it would have been a lot more helpful & I wouldn't have had to make my last minute decision of driving to the airport; I could have tried to call a competitor or tried my luck with Uber. But I felt I didn’t have time for either. The cost of 8 nights parking at the airport came in at a sizable £239.00!! And I don't really have £239 to throw away lightly. My question is should I take the cab firm to the small claims court to get that money back? My issue is not just that the cab was late but that the operator was lying to me, the combination of which could have meant me missing my flight. Now I’m not completely unreasonable and seeing as my original plan had been to book another cab through the same firm for the journey home on the 8th August, presumably at the cost of another £30.00, I would be willing to accept £179 from them (ie the £239.10 cost of the parking minus the amount I would have paid had the driver turned up). I emailed the cab firm while I was away to express my frustrations and have never received a reply. On return to the UK I sent a letter by recorded delivery (which I can confirm they received) reiterating my complaint and asking for £179.00. I asked them to respond within 14 days. It’s now day 16 and I have heard nothing. So do I take this to the small claims court, something I have never played with before? Or do I give up and just feed my kids bread and rice for the next month? Did I ever receive a text message / anything in writing confirming the taxi I booked? No I didn’t. Did I record the conversations? Of course not. So they may choose to contest my version of events. How can I prove my account? Other than having my wife back me up (probably not a very independent witness) my mobile phone show me calling the cab firm on the 30th July when I booked the taxi. It also shows me calling them at 0405 and at 0420. Why else would I be calling a minicab firm at these times? Why else would I have an airport long stay car parking ticket timed at 0450hrs that same morning? I would like to think that this evidence backs up my account to the standard of ‘balance of probability’. Their website is currently down (I don’t know how long this has been the case) so I cannot see their terms and conditions. Any advice / suggestions to grow up would be much appreciated.

Hi I'm new here but would like to ask has anybody taken Parcel2Go to small claims and won? My case is: I instructed P2G to pick up and deliver a very heavy 33kg Subwoofer speaker to my address without taking their extra insurance. Its was delivered a couple of day later with broken corners and a grill that was recessed into the unit. I'm taking them to SCC under section 54 of the consumers rights act 2015 holding them of negligence and in breach of contract by operforming reasonable care and skill in delivering this item. A last letter of action was sent and I'm now looking at a Notice of proposed allocation to the small claims Track which needs to be sent before 20 July. P2G have sent 12 pages defending the claim Any advise or help - Thanks

Can someone please advise which is the best course of action now. Back in February 2018 I had a missed connection flight with Eurowings which is part of the Lufthansa Group. The plane was delayed leaving one airport and once arrive in the connecting airport the flight had already took off. Thus missing my connection flight. I paid for another carrier to get me home which they eventually refunded. My gripe with Eurowings is the EU denied boarding regulations and at the time the only advice I was given was to accept the next flight which was 12 hours away. I have appealed to Eurowings which they have bluntly refused to pay compensation. I then took it to there ADR resolution service and they ruled in my favour. But the airline still refuses to cough up. Do I take the airline to a small claims court in the UK as Lufthansa which Eurowings is part of has an address at Heathrow Airport or do I need to go through the EU courts as there Head Office is in Colone, Germany. I am raging with Eurowings knowing they are bluntly not following the EU regulations. The Ombudsman SOEP has ruled in my favour but they are still not playing ball. I have given them 7 days now before I take action but would it be better through UK courts or do I have to do it via EU small claims? I have attached the outcome to this claim from the Ombudsman SOEP and I would like advise on what to do NOW. Fingers crossed all deleted can someone please help! The ADR scheme SOP ruled in my favour but EUROWINGS refuses to pay up. Do I need now to take to court? I know is only 90 quid but is besides the point. As its a German carrier they have a group address at Heathrow Airport. So can I take through UK courts or need to do an EU claim to their head offices Schlichtungsempfehlung Fall F 66956-18.pdf

Hi.. I am insured on vehicle and my current insurnce compnay will not transfer me to the car I want to drive, they even said no one was coming back with a quote as I was uninsurable... I knew this was rubbish. I went on go compare and got a quote for £995 (still high but given my circumstances I knew it would be about that). I have a short while left on my current policy, I want to know am I good to get another policy out before old one has ended? i am giessing yes?).

How would i go about finding out if a landlord (housing association) is liable by law/regulations or contract to perform certain repairs/modifications on the property? I have a few issues that i would love to get remedied but have little luck getting them looked at seriously. One being a very common problem for all the flats i know in my block is that people upstairs simply walking quietly across the floor causes all kinds of very loud creaks and bangs. Very disturbing if your underneath even with tv or music on and ive seen how unavoidable it is from the other side too walking on such floors when visiting neighbours. I had a lot of trouble with a noisy neighbour years ago which culminated in noise equipment and so on being installed which picked up this noise (on top of the fights) but my landlords refused to even listen to the recordings offered by the local council. Secondly i live in my 2nd bedroom which is very small. Since they moved the boiler out of the large cupboard and into the bedroom (there was a CO leak from the waste gas pipe) and boxed in underneath it as well as boxing in pipes running along the floor the room has become massively unusable as a bedroom. Placement of door, window, radiator and said boxing making any kind of half sensible arranging of a simple bed and wardrobe very oddly laid out. i would like ideally to have the pipes running across the top of the wall rather than bottom. Lastly the flat has no drying facilities. No outside washing lines, no front/back garden or balcony. it had a simple line that crossed the bath at one point (it was crap and never used as someone was always wanting to shower or bath) but that was made unusable some months ago when they had to replace the shower and its now in the way. Just wondered how i would go about checking up on building regulations or similar to see if i can force a remedy on any of these problems. Previous experience has taught me they wont do bugger all until they have to. Thanks.

Hey. just received the court documents that shoosmiths are taking me to court for non payment on a 4k credit card debt. i know i owe this but just asking if there is anything i can do to try and stop the court action or even better get the action stopped. i was following a post about asking them for all different documents but the post has been deleted. any help would be great many thanks

Hi all, Sad (but happy!) to be back on the CAG - as it means another legal issue. For my sins I took out a contract for fibre with TalkTalk a few months ago. Previously I was with BT directly and never had problems. Once the switch was done to TalkTalk it was dire and never worked fully since - dropping connection, slow speed, awful CS, and so on. I initiated a complaint with them internally and they gave themselves 28 days to fix it; over a month later it still isn't fully fixed so I have given up with them. I have written several letters and CC'd them to the CEO but just get boilerplate letters back. All I want to do is leave and move to another provider. TalkTalk have relented here but are saying they are owed the rest of the contracted amount - £300 odd! I am concerned cancelling the Direct Debit will mess up my credit history so I am minded to let them take the funds out, then go to MCOL to recover the funds + minor costs that way via 1982 Supply of Goods and Services Act and their failure to follow. OFCOM refer me to some pointless and drawn-out "alternative complaints procedure" but frankly I have wasted enough time on this petty issue and just want to move on. My question is, given that TT have failed to fix the issue despite being notified within a lengthy timeframe, can I go directly to MCOL and recover costs that way, or will MCOL look down on me for not following OFCOM's useless alternate resolution garbage?

Hi everyone am posting this on behalf of a family member who is in this situation and doesn't use the internet. family member is a professional for the government. I will just refer to them as X.. X got their car keyed as did all the government team in a hospital car park by one of their service users who has a mental illness. Every single one of the people who got their cars keyed by this person reported it. The hospital captured this on CCTV which they have stated is 1080P sharp and clear and shows this person doing it. The police were called as a result and took the CCTV footage. All staff have so far settled claims either through insurance or cheapest quote. The mental patient here as well does have money as he jumped out of a window whilst in NHS care and got a substanial 8 figure sum from the NHS. X reported it to the police too, who under caution interviewed this service user/mental patient. The patient admitted keying X's car in a taped interview to the police. He said he did not realise X was not part of the government local team he keyed. Guilty person said he would pay full damages for repair of the car. X waited for him to pay 2-3 months but he did not, the police were chasing the service user/mental patient and the police had him mentally checked and a doctor declared he was under his own capacity of thought and has known what he did, so he is not unfit to be prosecuted. Police chased him for another month and told X not to worry they will be a witness in the small claims court if needs be to recover losses. X has this in writing in emails and alot of email evidence. Guilty party/person never paid and police now turn around and say X must get 3 quotes to satisfy guilty party's solicitor. X got 3 quotes, cheapest was £1400 inc car hire. Guilty party refused to pay it claiming it was too much. X was told the police cannot force him to pay it and X would need to go to small claims court. X filed in small claims court and the defendant/guilty party failed to respond within 14 days. X then filed judgement using MCOL online. X has today has a letter saying judgement has been entered. Now the Police have come back and said the guilty party will pay £1300 (excluding car hire) but will not pay court fees. Police have advised X to take the above as they will not be a witness if X does not take the above deal. X advised them can they put in writing (police after speaking to guilty party solicitor.) Police stated no they will not put in writing again cannot make him pay. X refused police's offer and stated the guilty party has had many opportunites to pay before court. Police offer now has told X in a u-turn that 2 weeks later after judgement has been filed that they have managed to get a cheque for X which £1300, still minus car fees and court cost. X was going to go back and say they will accept £1300 cheque as part payment but remaining balance will be settled through judgement can they do this? X feels it is unfair they are suffering and police is siding with guilty party kind of and wants to know if a judge would go against them for not taking the £1300 offer as X has suffered time off work and is not a high earner who is a single parent to 4 kids. X is unsure how judgement will work next as well, can anyone advise?

Hi, I don't know if I'm posting this in the right place but I need help. My daughters boyfriend has just received an eviction notice, stating the eviction will take pkace a week on Thursday. I'm currently sketchy on the details but it's all due to problems with housing benefits etc. Hes had a nightmare of a couple f years, he was persuaded to take a 16 hour a week job because he was on DLA and could claim working tax credits, he also kept his housing benefit. He then lost his claim to DLA when he had to change to pip and so lost his working tax credits. He also lost his housing benefit but that was reinstated. Currently he has a total income of £120 per week and is supposed to be paying towards his rent as his housing benefit doesn't cover it all. Now he's buried his head in the sand, my daughter had just phoned me to say that he's being evicted and the eviction notice was delivered on Saturday morning. He has tried to contact the council today to see if there is any way he can stop the eviction and they have said no not unless he pays all of the arrears. I don't know if the amount they are wanting includes all of the costs that will have been added to the debt outstanding. Is there anything at all that can be done to help him keep his home or are we looking at a lost cause?

Hi all. I am in the process of moving my mum from the awful Talktalk to a company more reliable and trustworthy. However, it has come to my attention that Talktalk have been taking not one but THREE payments a month from her account. What's more, it looks like this may have been going on since 2013! Things are not making much sense to me I need to dig a little what I know so far is this... There are two amounts being taken for Talktalk and one for Talktalk mobile. She does not have a Talktalk mobile and certainly only one phone/internet line. I recall seeing a paper bill earlier this year which was for over £60, yet when I logged into her online account it's showed every bill at the same amount, £40.45. Almost every month she receives messages warning that she has almost used all of her allowance and has even been cut off a few times, yet online it says her allowance is £250 a month and NONE of it has been used. I checked at least five or six bills and they all said the same. On her bank statement the two main direct debits were started at the same time, have the same ID but a different account number. I also know there is no way she makes enough calls to use up even a fraction of that allowance. It seems like they are sending paper bills for one account whilst the other is handled online and something is very wrong. I won't be able to do anything until Monday when I will take her to the bank to see what transaction information they hold. I will also be looking to find as many bills and bank statements as I can to see how far back this goes. I estimate that Talktalk may possibly have robbed my mother of at least a couple of thousand pounds and I want to do all I can to get that back for her. The down side is, of course, I'm amateur at best when it comes to law which is why I'm posting here. If anyone can tell me what to do or where to go once I have this information it would be most helpful. My mum is a widowed, disabled pensioner who has mental health problems that affect her memory and concentration and in my opinion they have completely taken advantage of her, even upgrading her to the more expensive fibre - she has no need for this, she doesn't even know what it is!! I have had experience of their customer "service" myself in the past so if there's a way I can avoid going down that route I'll take it. I'll check back here over the weekend as I am busy tomorrow, for now I just need to gather advice to use after Monday. Thanks guys.

I took out a Service Plan agreement less than 14 days ago and want to cancel. Essentially you pay £26.99 a month for 18 months and it covers a major and minor service, fair enough. However, Ive decided to cancel and simply pay for each service in lump sums as it will in fact be better for me if I want to change cars within the timeframe as if I did then the balance is due which again is fair enough. However, I have NOT claimed on the plan at all and speaking to VW financial services they are saying ok but that it takes up to 28 days to cancel (funny how it only took 20 minutes to set up) and that the first payment is due within that period and they will take it and its non refundable. Other than cancel the direct debit, have I any recourse and is it me, or does this sound like pretty dubious practice anyway?

I have today had a letter from my council cancelling my right to pay my Council Tax. In installments. I have been paying this on line for the last 4 months for this year on a regular basis. My last payment was paid on Monday this week. When I received the letter I phoned my Council who informed me all my on line payments have been taken off an old Debt which is also being taken via my ESA. They say I have to pay again as the money I have paid has gone off my old debt. My question is, Is this correct and can they do this.? I spoke to someone back in April who assured me this would not happen again, Obviously, it has.

Looking for some advice. Been paying CSA through a deducations order set at £30 a week as stated In their letter as of 2007 I assumed that any wage changes would adjust with payroll so forgot about it and carried on. I have also been paying another none CSA related debt that I assumed had started coming off my wage about the same time for £20 a month. On my wage outgoings were down as £20 debt. I called my wages department as had a letter come through the post about 4 weeks ago to say I was changing from CSA to CMS in September and was there anything I needed to do and they said they would probably contact them shortly before or after that date but I was best to contact them. While she was on the phone I asked them to check the £20 debt as £6000 was owing and I wanted to double check how much had come off. She came back to me and said there wasn't any debts and the £20 a month was the CSA court order. I said to the women on the phone back in 2007 they said they were taking £30 a week. They said they can only go on what they have been told to pay and it usually adjusts per year based on salary increases what they pay out as CSA usually contact them. She was as confused as me as to why it never changed. she suggested I contact CSA to find out. So far I have left it as I don't know what to do. CSA have never contacted me since they first wrote to me in 2007 telling me what my deductions of earning orders were and then 4 weeks ago to tell me it was changing to CMS. I've looked at the what the debt could be based on my earnings and it could be anywhere from 18k-21k. I earn £1300 a month, my wife lost her job last year and we have no other income other than my wage to live off by the time I have paid Rent, Bills, Council tax and £269 a month to a load of debts when wife lost her job it leaves me with about £150 a month for food for a family of 4, 3 adults 1 at uni full time and a 3 year old. I don't know what the hell to do and scared they'll take everything out of the house or we'll lose the house because I can't pay the rent. if they take nearly all my wage of me. I thought it was coming off my wage before I got paid, I don't understand why CSA have never written to me as soon as they saw the wrong amounts were being paid. I've seen the horror stories in threads below this one. I;ve even read they can send you to prison?

Hi guys i need your help, i literally am being mugged off, ive called all samsung departments on numerous occasions, anovo, ive emailed, tried twitter DM's, and im getting a scripted nonsensical explanation! originally i sent my s7 off as it NFC wasnt working properly and it was overheating got the first reply from the service centre on the 11th, said the phone was out of warranty repair and they cant address the issue till i pay them to get it fixed, i said no to their repair as i wanted to get it repaired locally in my shopping centre, after i thought about it i figured it would be safer to do it with samsung direct going forward, i resent it in on 19 Jul i received the follow up literally saying exactly the same as the first mail, im trying to attach a screenshot but cant To summarise, this is what i wrote to them via post; To whom it may concern So, I've been loyal to you for years now, my entire family only uses samsung, tablet devices, phones, televisions, as do my business partners and close freinds, ive converted everyone over from Apple, and today i really got my "thanks" 2 weeks ago, my galaxy s7 developed issues with its NFC and it started overheating, so, i sent in my phone for repair, and they tell me "your phone has damage which isn't covered under warranty, attached is a screenshot" it was the email attached, of the back of the phone being cracked, as you can see, they are clearly referring to the crack on the glass. So i pay the money and then don't hear back for a few days, then i receive an email saying my order is on its way, so i call your incompetent Anovo repair team (who if you google have appalling customer ratings, its quite embarrassing actually) and they tell me my device is "beyond repair due to its expenses to replace the main board which has fried" so, now they are telling me, the overheating issue is due to the board, but it is to expensive to repair under warranty, now, the mainboard is an INTERNAL issue with the phone, not an external problem cause my accident damage therefore, it is irrelevant of the cost, it is a manufacturing default that the phones circuiting has resulted in it to overheat and fry yet your employees keep telling me that the phone is out of warranty due to the cracked class, i don't understand this logic? so with a car, if it has an outside crack, the manufacturers garage will tell them "we know you have engine issues but since you have a crack outside on the car we cant do anything" this is truly repulsive and shows how out of touch your company has become from reality, you are literally not taking responsibility for your phones fault and deterring the core issue and passing it on to myself and saying the issue is the cracked back it is irrelevant of the cost of the internal part, manufactures warranty covers the internal parts of the phone failing im truly sad and hurt at the service ---------- i cannot attach the screenshot it keeps saying "error red font" i cant even photo a external link to the image, it says im too new a member... they did refund the money i paid for the crack but thats not the issue! they are not addressing the internal issue and using the external as some sort of justification for not fixing my phone, thats literally what the phone support told me, and she said she checked with her manager and " they cant do anything as its out of warranty damage and they wont look to replace it" SINCE WHEN WAS AN INTERNAL COMPONENT OF A PHONE NOT SOMETHING COVERED FROM WARRANTY i dont know who else to talk to, i dont have a phone anymore and they wont help me at all... phone was given from samsung directly not a retailer

Hello everyone, This is the first time I post on this forum so please accept my apologies in advance if I make any mistake. We are about to resort to the Small Claims Court due to a sole trader that a month ago did a terrible job on our terrace. My concern is that, even if we will (likely) win, it appears very difficult to enforce the court's decision and have our money back (£530). I read of different ways to enforce the court's decision but I would really appreciate if someone could enlighten me about the action with the highest success rate. This is the story: After receiving different quotations by different traders, basing on the quality of the works previosuly made by the trader as shown on his online websites and mybuilder.com, we decided to hire him to have our 1. terrace deck, front balustrade, 2. side fence built, and 3. a bench built in the corner of the terrace as well as a connecting pipe hanging over its corner. The agreed price for the job was £670 including labour and material (although we provided 2 types of paint). Works were supposed to be finished in 3 days. DAY 1: The trader was supposed to start the works with cleaning the deck by water brush and stated that it would have been delivered by 2.00pm but the water brush was not delivered. However he couldn’t start the cleaning and stated that the water brush had been delivered at a different site. This inconvenience led him to start building and permanently fixing the bench on the unpolished deck DAY 2: Unfortunately the water brush resulted being faulty and the cleaning had to be suspended. In the early afternoon the trader managed to get hold of a different water brush. After finishing the cleaning he stated that he did his best but due to the deck he couldn’t really thoroughly clean the deck. The trader informed me that he made a mistake when calculating the wood needed to complete the job and told him that, in order to continue, he should have bought more wood. I asked how much it would have been and he confirmed that the added cost for the extra wood would have been £45. Considering the situation I felt forced to agree. I asked him if painting the deck would cover a burnt on the deck and he reassured me that it wold have been possible by applying some extra layers of the type of paint (suggested by him). DAY 3: The trader left our flat for about an hour as he apparently forgot something. However the work was not finished so he had to come back on the next day. DAY 4: Before arriving the trader contacted my wife and said that he wouldn’t be able to mount the hanging connecting pipe in the corner (as agreed) as he could not find the parts to complete the job and proposed to swap it with a chain. The proposal was firmly rejected by us so we had to opt for a wooden bar as last resort. The trader left the flat at about 1.30 pm when I was away and told my wife that we were actually supposed to pay extra £72.53 as results of the further material he had to purchase despite agreeing with me that the extra cost would only be £45. Also he provided receipts reading a cost of £61.43 (this matter was successfully addressed though). Post Work Checks: When I was back I inspected the job and noticed that: - The burnt on the deck was not covered by the paint - Despite the contract reading that the trader should have cleaned the walls with the water brush, the walls (and other surfaces) were actually stained by both types of paints, the one used to paint the fence and the bench and the one used to paint the deck. Before him leaving the flat my wife asked him why the walls were stained but he could only reply that it was necessary and that we should have repainted the affected surfaces. More important is that part of the paint used for the deck has stained the walls and the bench: this is stain paint so simply repainting surfaces will not suffice and, in order to fix this up, a blocker will need to be applied on walls. - The hanging wooden bar split open on one of its sides due to the bad nailing, which means that it will not last long - The worst part is that the most planks (approximately 95% of them) used to build the bench and fence are badly cracked to the extent that some parts are widely split apart. Also the trader didn’t even bother painting the inside of the planks completely. - He built the bench on a screw that is now stuck under it and sticks out and cannot be removed (which is likely damaging our deck as well as being a sharp object). He saw this as he also painted over it - There are other minor imperfection like the planks roughly cut due to the use of inadequate tools After asking for an evaluation of the work by another trader it turned out that most of the stains on the wall could have been avoided by simply painting the planks and subsequently fixing them. While the other stains due to the deck paint spread around denote carelessness and a job that very likely was rushed. At the very least the trader could have used tapes and protecting layer to preserve the affected areas. Also, the wood likely split as the wooden parts should have been drilled first. At this point I spoke on the phone with the trader to inform him that we weren’t happy with all the above issues and would not proceed with the payment of the final 20% until he would at least replace the damaged wood. However he refused and said that this would cost us more money. After sending him 4 of the pictures taken to show him the entity of the damage he replied that we should pay him first in order to have him come over later to glue the broken parts. We obviously rejected the offer as he deemed it unfair. As if was not enough, all the pictures of what appeared to be his amazing previous works were taken from other sites so obviously nothing that he could possible ever do. We spoke with the Citizen Advise Bureau and they instructed us so we asked him if he was member of any ADR scheme but he never replied (which means he's not), so we asked him to have an ADR involved but he never replied (which also means no). We also spoke with a solicitor who said that the work is so bad that there's no fear to lose this case. We sent him 3 letters by registered mail and he only replied to the first one by email. He admitted he needs to fix all that mess up in a couple of emails but never confirmed he'd do this before we complete the payment (as requested by me) nor tried to arrange a date to start the works: which means that he wants the money first. He has gone silent for the last 2 weeks despite me sending him texts, mail and emails. Sorry for the long post and thanks for your help.

Hello, just to give some basics. The past couple of years has been seriously bad healthwise and has caused the obvious roll on effect of being skint because i am stupid enough to be self employed. Money being tight and getting even tighter i have allowed myself to get in trouble with my council tax. On my 2016 account i owe £116 + £75 compliance stage fees, this is now with Collect Services. I have agreed to pay £20 per month on this which should get me out of trouble. Unfortunately, and please don't judge me as i have suffered and still am with severe depression along with many "real" ailments ,i have now got into trouble with my 2017 council tax. I received the bill in April with imstallments,but i have not paid any. So far the council for whatever reason have not contacted me, i am going to start paying the minimum amount plus additional to catch up, however i do not see the council accepting this and fully expect it to take the same route as the 2016 account and end up in the hands of the bailiffs ... ANY ADVICE ON HOW TO DEAL WITH THIS WOULD BE GREAT. Thanks Dan