Hi everyone. This is the letter I have sent to one of my suppliers. What do to when a supplier from abroad refuses to refund for a manufacturing issues on the item bought. 05 October 2015 Dear Mr. X, Request full refund Order N 6513 dated May 2015 23rd + invoice 29617 + 30 EUR for storing. I am writing to you to make official request of full refund for the purchase of the Scooter model H300 I have bought for my customer Mr. X X. As you were previously made aware of, the scooter was received by the customer with manufacturing issues such brakes not perfectly working, speedometer not set for showing the speed as described in the scooter specifications and the main issue, the handlebar broken in two pieces. After making request for repairing the scooter, I was charged for the repairs despite the scooter had arrived already broken to the UK. I was also charged for the delivery from London to the warehouse in Germany and from the warehouse to London. As a third charge, it was added an extra 10 EUR for each week the scooter was kept in the warehouse after repairs were done. In regards to this last charge, I have never received the invoice, which complicates the situation as no payments can be requested without the invoice being issued. Please, find below the steps which have brought me here: • May 23rd: - I bought the SXT H300 from the website sxt scooters. Within the first 14 days you were made aware of the issues shown on the new scooter once the parcel was opened. • June 29th - The scooter was collected by Parcel Force from the X Ltd office in London for being delivered to your warehouse in Germany. • July 6th - The scooter was received by you and the paperwork signed by X. • August 13th - 39 days after you have received the scooter in your warehouse, I was informed by email that your mechanic had finished the check of the scooter stating that they had not found the issues described be me (I have all the pictures about the broken handlebar. After checking the scooter, you have stated that the parameters of the speedometer were wrong, that the brakes needed some fixes and that the wheels needed to be inflated. All this means that the scooter was not checked before the delivery and it was received by the customer in not acceptable conditions) • August 13th - This same day you have invoiced me for repairing all these issues were shown once the scooter was received by the customer. • August 19th - You have informed me that I will be charged extra 10 EUR for each week the scooter is kept by you in your warehouse. • September 7th - The invoices 29617 (delivery plus repairing) and the non-invoice never issued (storage for the scooter) were paid to your bank account as requested in order you to re-deliver the scooter back to London. • September 16th - 73 days after delivering it to you for the scooter being repaired, the scooter was received in London and the delivery was signed by Mrs X X which has opened the parcel in front of me and noticed that the handlebar is mounted upside-down and that the speedometer is broken. (I have sent you the pictures of it) • September 17th - I personally sent you an email making you aware of the receipt of the scooter with the handlebar mounted upside-down and the speedometer broken (the picture were attached to this email). No answer was received by you. • September 20th - I sent you the second email advising you again of the fact the scooter was received with some broken parts (speedometer) but unfortunately no answer was received by you. • September 30th - I sent the third email to the same email address we have had in the last 2 years our correspondence and for the third time I have not got any reply. I have asked your assistance for a scooter that was received for the second time with manufacturing issues. After 125 days still the scooter is there on a side in the office and it is not possible using it. During this time more than one consumer and businesses defense center and departments - German Patent and Trade Mark Office, HM Revenue & Customs and UK Trade & Investment, UK European Consumer Centre, The German-British Chamber of Industry & Commerce, Verbraucherzentrale, German Federal Ministry of Justice and Consumer Protection - were informed of your behaviour, about your conduct, about your threats for having published a correct review of the issues happened with the scooter sold by you. No international laws prevent a consumer or a business by publishing on internet the behavior of another business which they have a cooperation with as long as all the statements correspond to real facts. This will be considered as a threat and valuated as such. With this letter, I would like to ask you to issue a refund for the money spend for buying the scooter which, after 4 months and 4 days after its purchase, is still not possible riding on the road (private) because of the issues mentioned above. The total amount to be refunded is: 1151,43 EUR • 873,84 EUR for the purchase of the scooter. • 157,59 EUR for the delivery UK-Germany and Germany-UK and repairing of the scooter under warranty. • 30,00 EUR extra charge for storing the scooter within your premises (invoice illegally not issued) • 90,00 EUR as anticipation for delivering back a scooter that since the beginning was not possible to ride because of its issues. As a matter of the facts, the departments mentioned above will be receiving copy of this correspondence with you in order to be updated with the development of the facts. They will be also authorized of proceeding with further investigations about this report in order to make more clear the reasons which have brought you to behave against the rules. Nonetheless they will be requested to make public this report as we strongly believe that users and potential buyers must be made aware of your conduct as a Company. I have never got an answer. I have the item broken in my house and cannot use it. What to do? Does anyone have a clue? Regards.

Hello, I am just wondering if anyone can give me some up to date information. I purchased an LG soundbar from Currys in December 2014. On 1st November the sound bar speaker seemed to blow up and therefore no longer works correctly. As it is under warranty I took it back to currys on 3rd November. I was advised that they would look into the fault and that if it was not ready to be collected in 14days I would be entitled to a replacement product. I got paperwork to say I had left the product but it does not state this 14day clause. Well, today 18th November, I rang know how who could not find my repair and so she called the local store I left it wth and was advised that this store would call me back shortly with an update. They have called but it went straight to answer phone and a message was left to say that as the product was still in the warranty period LG are required to assess it, my sound bar is still sat in the shop as LG have not collected it yet! This suprised me to say the least. Where do I stand legally and what more can I do? I cant find any reference to this 14 day policy either. Your advise would be gratefully received.

Hi All I bought a new Audi A5 under a HP agreement in 2012, the final lumps sum payment is due in March 2016. I have just discovered my engine IS affected by the VW emissions cheat device. As I understand it, the finance company is liable as well as VW, will be quicker and easier to deal with the finance company than join a class action against VW Under the CCA 1974, can I claim against my HP finance company on the grounds that: 1. The vehicle was not as described (i.e. emissions etc. not as quoted) 2. the vehicle is not fit for purpose (emissions cheat device fitted (knowingly) and Mileage, emissions, fuel consumption not as quoted) Is there any template for this type of letter? Any advice would be most welcome as a £10K final payment is due soon, thanks John

hey. in august i received a letter stating i was + £2000 over payed in housing benefits. i phoned my housing officer up she stated that it was cos i didnt provided my payslips even though i did for the first 3 month and then got told i didn't have to any more. so instead of putting my pay slip in i said i would pay it all back in monthly installments which they agreed to. my partner got a job 4 month after i did and had his jsa got cut off so in turn we stupidly thought that the housing benefit had been stopped as well because he was the main claimer. we did not pay our rent for a couple of month because we was trying to get on our feet and making sure we had gas elec and food in thinking later we would catch up with our rent when we was sorted now we he has received a letter saying he is to go to a interview under cation. i am seriously stressing out over this i am an over thinker and am thinking of all the nightmares that could happen. please could some one help?

Hi there. I am trying to help a friend sort out a problem & hoped I might get some advice. He had a substantial debt, which the bank obtained a CCJ for sometime ago. Frustrating I know, but he does not know how much the judgement was for or what the payments should be & hasn't been sent any payment book etc . I tried to find out more, but he just said he waited until he got a letter from the court & then paid it! The situation now seems to be quite serious, I have seen the letter that says they are going for a warrant of execution & yesterday, he had a visiting card from a baliff whilst at work. He is going to the court today to make a payment & I have told him he must ask for details of the original judgement & we can take it from there. At the moment they seem to be asking for arrears of over £2000 to be paid within 7 days. Impossible of course. A couple of questions. Will the local court be able to provide him with details of the judgement? He is able to make reasonable payments towards the debt. Should he contact SCM to arrange this, or go straight back to the court for a variation order, assuming that the payments must be pretty high for that level of arrears to accrue? Thanks in anticipation

Yet again another debtor has been found guilty under section 68.1 of the Tribunal Courts & Enforcement Act 2007 for interfering with controlled goods and also for criminal damage. Of serious concern is that this person was also represented by a McKenzie masquerading as a 'Lawyer' who has been responsible for a number of failed legal cases over the past couple of months that have resulted in debtors losing many thousands of pounds. In this particular case, the brief background is that Croydon Council issued a penalty charge notice and the debt remained unpaid and was passed to their bailiff contractor; Confero Ltd to enforce. The enforcement officer attended the property and located the vehicle. A wheel clamp was applied and the relevant statutory notice posted through the door. The owner of the vehicle forcibly removed the wheelclamp and drove away in the car. Later that same day he was arrested by the police and charged with the following: Criminal damage (to the wheel clamp) Theft of the motor vehicle. Intentionally inferring with Controlled Goods without lawful excuse. The vehicle was removed to the enforcement companies car pound. He was bailed and had a first hearing at court earlier this year (May). The individual claimed that he had not received statutory notices from Croydon Council and accordingly filed an Out of Time witness statement. It is assumed that this had been rejected. At Bromley Magistrates Court yesterday (5th October) he was cleared of the charge of theft of the motor vehicle but was found guilty of the other two charges (criminal damage to the wheelclamp) and interfering with controlled goods without lawful excuse. He was fined a total of £1,598

If I place a desposit with the dealership for a new caravan which is scheduled for delviery in March 2016 and then for whatever reason change my mind within the next month, am I entitled to a full refund regardless of why I cancelled?

I really need some help. My partner is in trouble with the DWP and has been called in for an interview under caution. There was a dodgy message left on his phone regarding work, on the same week he received a letter stating that he was being investigated. My partner is self-employed, but has previously been on benefits for a lengthy period. Does anyone know if the DWP have a history of phoning people using a box phone number to dupe people (i.e. it gives out calls but can't receive outside office hours so therefore can't take messages)? I'd really appreciate some help with this Thanks

I was in Leeds when I decided I would do some shoplifting. I had taken testers from a variety of different shops and hadn't been caught and then tried to take a pair of shoes from New Look when I was caught by a security guard in casual clothes. I was taken to the back of the room where I had to explain myself and told them that I had no previous convictions. The police were called to verify this and it was true. I was made to sign a Youth Community Resolution and told to pay a fine when a letter from RLP comes. The shoes were worth £29.99 and I do regret trying to steal everything because I had enough money with me. Do I pay the fine? I don't want this situation to escalate any further so any advice would be helpful. My friend had to sign the Youth Community Resolution form because I am only 17.

Hi there, I am new to this and would kindly welcome some advice if anyone could help? I'll keep it brief and to the point. Work for global corporation, my head office based in UK. Employed by this company for nine years, no complaints at all. Had various directors, regional managers and line managers over these 9 years. Company was restructured late December 2014, I inherited a different regional manager and line manager in January (both who work in a different division and have no knowledge of the job I do, regional manger been there for at least 7 years, line manager only promoted to line manager in January 2015, previously same job spec as mine only different division). Was given a complete new territory in January unannounced (had been consultant for a different territory for over three years and built up good trust and sales with these customers). Regardless, went out and done my job, hit my sales target in January despite the whole territory being new. Two weeks into February had a conversation with my new line manager who was enquiring why the mood was so low in our team ( a team of ten consultants) and I had offered a suggestion that "maybe the constant negativity wasn't helping" . I said this as we had all received a barrage of negative emails and phonecalls from said line manager, and everyone was moaning about it, seen as we were a new team that had been put together in January, me being the longest serving employee out of the whole team said what I said. The day after, at 7.30pm I received a friendly txt from line manager asking if I could meet him the following day to have a chat about figures, I agreed as didn't think anything of it, went to the meeting location the next day, was invited into a room by line manager, next thing regional manager walks in (unannounced) asks me "do you know what youre here for" when I replied "it was my understanding I was here to have a chat about figures with line manager, he said "no, youre going to pick your way to leave this company". He said "you can either resign, or I will make your life hell and make you leave". You have until Tuesday the following week to decide. I told him after a barrage of abuse from him, I wasn't resigning. The next morning the abuse continued, wont go into detail just now but will if anyone wants to know the details, just want to get the main points out just now. The next day I met with HR as I was disgusted at what had happened and told HR everything that had been said and proposed etc. HR (after hearing my side of the story), two days later, they wrote back saying they had spoke to both concerned and that they had all agreed that they would all meet with me to have a discussion. I was horrified at this, I had been duped into a meeting were it was a 2 vs 1 scenario, no witnesses, was totally bullied and intimidated, no witnesses, and HR wanted me to meet with them again under the same set up, ( HR are supposed to be impartial but in our company they are not). Before this week came around I was that ill after the original meeting, had nearly crashed my car on a busy motorway after suffering a severe panic attack, more followed, that my GP signed me off work and prescribed anti anxiety medication. To cut a long story short, I raised a grievance, it was heard by same HR I had spoken to initially and another manager who offered me a "new position" when accompanying me down in the lift out of the meeting room once the grievance had been heard, I said nothing. It took them 5 months to conclude the grievance stating time out of office and work commitments. When the notes came out it was clear that both managers had colluded, also my notes were missing, when I asked about these, they then sent a diluted version of my notes, when I asked them that I wished them to be amended to what I actually said, they thanked me for the ammendum but stated it wouldn't change anything. They also added parts to my grievance which were not included, to absolve themselves I guess. My post was on a recruitment site straight after (I know this is not against the law but trying to give an insight). None of it was upheld. The two investigating, made the conclusion. In between the grievance conclusion and me stating I wished to appeal, the person I raised the grievance about was promoted. The Grievance appeal was heard by same HR person and finance director, was cut short as they had a flight to catch. I was then sent the notes of said meeting, it was so heavily diluted that anyone who didn't know about it would have a hard time working out what all of the fuss was about, my witness emailed their notes, after that, although a conclusion was promised by the end of last week, straight after my witness submitted their notes I received a "without prejudice" email asking me to accept a paltry amount of money. I would gratefully accept any advice on what to do next, if anyone has any questions please ask, I just tried to keep this post short (ish) and to the point. Thanking you all in advance.

I am willing to help a friend out in claiming back all charges under Financial Hardship from HSBC. She has over £1200 in charges from 2007. I have read lots of info from the forum but needed to clarify some things before sending the letter to the bank. My friend just came off IVA in 2013 and she has a mortgage she is currently paying from her HSBC current account and makes a high monthly payment leaving her to use up her overdraft every month. Can I claim from 2009 (6yrs back) ? Can I use the same spreadsheet used in calculating Credit card charges ? Can she add interest at 29.9% to the charges? Can she do her Income and Expenditure on a sheet of paper with a pen or is there a particular form ? I would appreciate your prompt reply. Thank you

Ok, this is going to be long, but I really need some help! I was in receipt of ESA & HB for myself and partner, from 2007-2014. Due to Kidney failure, Dialysis and two kidney transplants. My DH started work in Jan 14, I told the tax office straight away, they swapped all my benefits over to the correct ones, no problems. My Husband then quit his job, due to being offered a better job, this was in march. We didnt know his new start date so i switched al the benefits back over, all sorted. He started his new job in may- The day he started I won a tribunal from 2012, giving me all my back dated money and reinstating my benefit. Now, my husband was working, and I remained on ESA. I 100% thought I was entitled regardless of my husband working, because I was receiving it for being ill. In October 2014, someone mentioned that I should probably ring the tax office and tell them that my husband was working, That is what I did, and a few weeks later I was given back dated money from tax credits, but the ESA was still there too. I still thought I was entitled, because 1- the tax office sorted it before, so I assumed they would this time. 2- I was claiming due to illness. In December I was offered a job, I accepted, I rang the DWP and told them and they stopped my benefits. Two weeks later, I couldn't cope with the job, It was to tiring, I suffered a miscarriage and was just to 'done' my husband also handed in his resignation, because i needed help dealing with his daughter who lives with us. Tax credits stopped. So i rang the benefts office and told them, the set up my claim again and I was in receipt of ESA again. Lastly, come April, I was better, could look after myself ect my husband took his old job back, I rang the DWP all benefits got swapped to the correct ones. I am in receipt of WTC, CTC, DLA & HB. I got a letter from DWP this morning asking me to go in for IUC for claiming whilst my husband was working. Am I in serious trouble, I genuinely didn't know I was claiming the wrong benefit. I'm so confused by this all. And so unbelievably scared of going to prison. My husband and I worked out that, if it is what we think it is, the over payment would be £7k.... I am a strong woman I can deal with being in the wrong & can face being fined, I'll pay it all back. I just really really do NOT want to go to prison. Please help.

Hi, I was just wondering if anyone could help me with what happens next. I have been stopped in a ZONE 1 station using a ZONE 2/3 travel card, so obviously my ticket was invalid. I was interviewed under caution and because I was quite shocked and didn't want to put my foot in anything, I refused to answer questions under caution, when questions where asked I answered "no comment" I was also asked to sign his notebook, without him telling me what it was for, i refused to sign until he explained what i was signing, I then read through his notes and signed. What is the most likely outcome, would it be court action against me?

There are posts on forums that Experto Credite are about to go belly up. If you search "Experto in trouble" in google you will find the posts. Posters are saying that Experto Credite can't pay some government department (HMRC/VAT?) and they have stopped paying staff. I have plans with them for debt they have bought from MBNA (Varde?). Should I keep paying them? I am worried that my payments will go missing or be frozen if they go bust. Anyone else here have payment plans with them?

Hi, gotta go for an IUC on tues, now our claim is joint in both mine and hubbys name, and entirely above board!! only get a pittance, anyway, only Ive gotta go,would that indicate thats its something to do with only my income? thx

Hi, I took out a home improvement loan with Barclays Partner Finance for £1000 in the UK, and the home improvement company caused £12000 of damage to my property and neighbour's properties. I filed a section 75 claim as well as a complaint to Zenith Home Improvements. Zenith did promise to rectify the problems, but have failed to deliver on those promises. Barclays seem to think that they are exempt from section 75, and have sent a DCA after me. In the middle of the dispute I emmigrated to Switzerland. I see that the Lugano convention states that Barclays are obliged to use the Swiss courts if they wish to enforce their alleged debt. However, I would like to know if I sue them and Zenith jointly for the damages, do I have to file in a Swiss court or UK court? TIA Banjo

Hey all, Im currently unemployed but desperate to get back into work. I see a lot of jobs that are under 16 hours and am interested in a job but its only 13 hours. At min. wage it would be £84 p/w (but the max wage is £6.70 p/h which would make it £87 p/w) and Im currently getting £72 p/w in benefits. Travel expenses may leave me with not much extra in my pocket and I struggle like hell now so dont know if its worth my while or not. I was told earlier today that if I work under 16 hours my money may get topped up but I dont know anything about this or indeed if its true or not. Can anyone shed any light on this please? Thanks.

The payday industry is beginning to take a more customer-focused approach to its business, but a review of the first twelve months of the Financial Conduct Authority’s (FCA) regulation of the sector has shown that too many firms have been failing to meet the requirements to treat customers in arrears fairly. http://www.fca.org.uk/news/payday-lenders-failing-customers-in-arrears-says-fca

Hi, This may sound a stupid question. But I've been tipped off by a reliable source at work they are going to outsource my department/function shortly. I already thought this was going to happen though. We are a small IT team of two people, and in November we had an audit which revealed some (allegedly) appalling spending decisions over the years. However I only started in August 2014, so legally I am entitled to no redundancy pay. Is there any benefit on waiting for the official announcement or just find a new job and resign as normal? I have also looked at TUPE etc, they would probably transfer me then make me redundant straight away, especially as the new IT supplier is based 100 miles away. Even if it was unfair, the 2 year rule excludes me from taking it to a tribunal etc. Dan

Ofgem Investigation into BES and its compliance with its obligations under the gas and electricity supply licences (Standard Licence Conditions 7A, 7B, 7, 14 and 21B) Publication Date: 30th October 2014 Company being Investigated: BES Commercial Electricity Ltd (electricity supplier) and Business Energy Solutions Ltd (gas supplier) Ofgem are investigating whether BES (encompassing both licensees) is complying with the requirements of conditions 7A, 7B, 7, 14 and 21B of their gas and electricity supply licences. We are aware of a high level of complaints made about BES and have also received a referral from Citizens Advice. For more link is here: https://www.ofgem.gov.uk/publications-and-updates/investigation-bes-and-its-compliance-its-obligations-under-gas-and-electricity-supply-licences-standard-licence-conditions-7a-7b-7-14-and-21b

Hello A PDL company issued a claim against me on MCOL in early March. I acknowledged service, and admitted part of the claim,and put in a defence for the rest (the biggest part), within the time limit, and put in financial details to ask for time to pay. (I am on a DMP which the PDL wouldn't accept) I've tried to log back in today to see if anything is happening, but there is no longer a link to the claim, and if I put the Claim Number and password in the boxes, it just comes up with the message "claim number or password is incorrect" Is this normal at this stage of the process? Should I still be able to view my details? Are the PDL company expected to respond to my defence, or does it go straight for judgement? How do I find out the result? Does it come in the post? And normally what timescale? Thank you in advance WHT

In September last year I started a new thread regarding a very serious case concerning a debtor who had been arrested for assaulting a bailiff. The reason for the debtor's arrest can be seen in the following links from that time: http://www.consumeractiongroup.co.uk/forum/showthread.php?433030-Debtor-charged-under-section-68(1)-of-TCEA-2007-with-quot-intentionally-obstructing-a-bailiff-quot-.(20-Viewing)-nbsp

Hi All, In short I have been caught using a Freedom Pass ticket of my father. I have a auto top up Oyster card which I kept in the same place as my dad's Freedom pass. The holders of the two cards were the same on the outside and at a certain point in time i must have picked up the freedom pass without realising and went on normally using that in my everyday life. (I never actually open the holder to check cards as mine is auto top up). My dad travels abroad as he has a house in Europe and doesn't regularly use the card therefore was not aware. This was completely my fault and I have admitted to this when the officers carried an interview on me at the station when they stopped me. Since then I received the letter stating that I might be prosecuted where I followed the forums advise and apologised asking to pay all costs + admin explaining the events. 2 months later (today) I receive another letter inviting me to another interview under caution for historical offences being investigated on the oyster card. I assume these where the trips carried out by me when I was thinking I was using my normal card. I am very confused by this letter and I was worried about the consequences. The questions I have for which I would appreciate any help are: 1) Is it safer to take a solicitor? From the point of view that I want to limit any damage. 2) Since the history they probably have on file of my travelling on various occasions is valid and I am willing to pay the fine, if they decide to prosecute what is the worst that can happen in court given that I have a clean record and I raise my hand up that I did a mistake? 3) How one would respond to the letter received? Do I ask about the historical offences they are referring to? Should I again try and negotiate an out of court settlement? 4) They say I have 7 days to respond. Is this upon receipt of the letter? 5) What would be your recommended next steps? Apologise if this topic was discussed but I haven't found a thread discussing the same situation. Many thanks in advance.

After years of financial grief I finally got myself in a position where I could breathe. I took retirement from work and receive a modest pension, but am still six years short of the State pension. I have had an absolutely awful year, with my other half getting breast cancer and all that entails, keeping our car going and hundred mile round trips to hospital. I ran short of money and I took out a loan with Quick Quid Flexcredit, and now owe them £1200. I have used them occasionally for a few years , purely because my bank point blank wouldn't entertain me for a loan, and I have always cleared the debt (at their huge interest rates) Bottom line is I have absolutely run out of money and really cant afford the £453 instalment they want this month, on the 6th. My priority is looking after my other half and keeping the roof over our head. Can I tell them I am in trouble and ask to stop the debt interest mounting? If I cancel the direct debit, would they accept a lesser sum each month? To be honest, I am at my wits end. I don't care about adverse entries on my file. Its small beans compared to what we've dealt with this year. Any help gratefully received

Hi, Firstly, sorry if this is the wrong section. I wasn't sure if it should go in the retail forum or not. Earlier this year I (an individual) entered into an agreement with a company whereby I rent a web server from them. At the time of entering the agreement the Distance Selling Regulations (2000) were still in force. There was no minimum term to this contract, and there's no obligation for me to renew at the end of each renewal period. I make manual renewal payments each month by logging into their website, and clicking 'Renew' next to the relevant service. The expiry date of the service is listed next to the 'Renew' button and the subsequent page allows for the selection of the renewal duration (1 month, 3 months, etc). If I want to cancel a server, I do not need to contact the company. Non-payment/non-renewal is considered cancellation. An administrative mishap last month led to their systems automatically deleting one of my servers which involves wiping its hard disks to the point where data recovery is impossible. This deletion has caused inconvenience and loss of data. I still have one server with them, but I am no longer able to trust them, and am worried the same mistake may occur with this server this month. I've therefore moved all data from it to another provider. Their current contract is still worded pursuant to DSR and allows a customer to cancel within 7 days without giving reason. I contacted the company informing them that I wish to use my right under the Consumer Contracts Regulations (2013) to cancel the server, and expect a pro-rated refund for the time remaining in this renewal period. They replied stated they did not believe my rights under CCR reply as I am on a "rolling monthly contract". However, it's my contention that every time I manually renew the server, a new contract is formed (for the duration of the renewal period I select) along with all the rights and protections afforded by the CCR. What do you think? Am I within my rights to cancel this renewal? Thanks