Jump to content
We are now - The National Consumer Service ×


  • Tweets

    No tweets were found.

  • Posts

    • now owned by Kensington  prime credit 5 was a luvy co. along with alpha credit 5 their uk portal was thru prime credit,  loans were administered on their behalf by Acenden, Acenden are Part of the Kensington Group. ultimately these were mostly all sold to Coast  have a look at post 8 here Trying to find contact details for prime credit 5 S.a.r.l - Welcome Finance - National Consumer Service  
    • Really? I don't think we would have known.
    • matters no they know it early as it twill be a bland generic defence nothing specific. Lowell claimform - old Talk Talk landline/broadband debt - Financial Legal Issues - National Consumer Service    
    • I was due to settle on my new house last Friday , with deposit already paid and mortgage in place. However at the last minute the sellers solicitor has confirmed there was a 2nd mortgage taken out on the property by the previous owner. I therefore can't buy the property until they know the debt was paid. the company was Welcome Finance and the debt was sold to Prime Credit 5 Sarl. No one can find contact information for them to confirm that there is no outstanding amount due. Both my and the sellers solicitors are looking into this but coming up blank so far. can anyone help as we are all ready to move and this has completely set us back. All help and advice very much appreciated.  
    • I wonder how many republican mega farms etc are being raided? (also note the 'slavery option)   US farm workers on Ice raids in the fields: ‘hunted like animals’ | US immigration | The Guardian WWW.THEGUARDIAN.COM In the latest installment of a series on undocumented workers, farm workers explain how fear has ripped through their communities after raids  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Thanks
        • Like

Recommended Posts

I recently bought an expensive guitar from a store online (it has a physical shop as well). The store was selling a limited edition fender guitar £50 cheaper than its competitor. It was wrongly described as having a special set of pickups which was the reason i wanted this guitar. When it arrived it did not have these pickups. (they sold me a cheaper guitar with lower specified pickups) The store has offered me a full refund but it will now cost me another £100 to buy the correct guitar (which has the correct pickups).

 

I also entered into a credit arrangement with the stores credit agency to buy the guitar so cancelling the contact and then taking out another credit arrangement will leave a nasty credit trail on my account.

 

Am i only entitled to a refund or could i push for something else. I did ask the store for a discount so that i could keep the guitar and buy a set of pickups and fit those to the guitar making it identical to the one that was described but they have refused.

Link to post
Share on other sites

Under SOGA you are entitled to be put back into the same position as you were before the failed contract. So either they provide the guitar as advertised/sold covering any cost incurred or they refund you fully, cancel the credit and cover any costs you have incurred.

 

You cannot ask them for the additional cost of buying the guitar elsewhere or any other option.

 

This shop could always purchase this guitar you have seen being sold by this other business on a trade basis and then sell it to you. But if you have not inspected the guitar you could end up with another guitar with the wrong pickups.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

are you therefore saying that i could demand that they sell me the correct guitar at the price i paid for the wrong specified guitar. The actual guitar that meets the description on the website (the guitar i thought i was buying ) is an additional £100. They told me they would not agree to swap for this guitar unless i paid the balance

Link to post
Share on other sites

are you therefore saying that i could demand that they sell me the correct guitar at the price i paid for the wrong specified guitar. The actual guitar that meets the description on the website (the guitar i thought i was buying ) is an additional £100. They told me they would not agree to swap for this guitar unless i paid the balance

 

No. They either supply the guitar that you ordered at the price agreed or they take the guitar back, refund the money and cancel the credit agreement.

 

Remind them that credit agreement means that the credit provider is in a three way agreement to provide the guitar that they were contracted to supply.

 

If you want to speak to the Citizens Advice helpline on behalf of Trading Standards, here is a link.

 

http://www.tradingstandards.gov.uk/extra/contact.cfm?frmAlias=/contact/

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

I am getting confused now - I have actually received the guitar but it was not the same model as the one advertised. Basically Fender have a limited run of 2 types guitars being sold through this shop. The guitars are identical apart from one model having better pickups and being priced £100 more than the one with the different pickups ) . They sent me the lower specced model despite advertising that the guitar i was buying had the better pickups.

Link to post
Share on other sites

Yes send it back and get a refund, the credit agreement should automatically be cancelled under distance marketing guidlines.

 

When you get your money back buy a Gibson Les Paul, far better. :-)

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

I think they are saying that you did not order the one with the better pickups. Do you have proof of the exact model you paid for and this definitely is the one with the better pickups ?

 

You are definitely entitled to what you paid for or a refund. If the shop are saying that they advertised the guitar wrongly they should have just cancelled the order, rather the sending the cheaper spec guitar. There have been many cases of online retailers making mistakes and I believe that the law as it stands allows the retailer to void a purchase order if the mistake is an obvious one. e.g I think Argos advertised a item for £1.50, when the actual price was £150. It was an obvious mistake and therefore the retailer could not be expected to honour any online purchase at £1.50. This is different as it relates to the spec, rather than price, but the law does allow for the fact that mistakes can be made.

 

I would suggest that you phone the helpline I linked to earlier, as SOGA in these situation is not very clear.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...