 Capital One 'cashback' Creditcard,are they a good idea? |
They offer you money back on purchases.4% for the first few months,dropping down to 1%.
I always pay my creditcard off each month,so this sounds great to me,so whats the catch?
Anyone have ... |
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 Yes loans have said my application was successful..? |
they said paperwork will be sent, and all i have do is sign for it..
when they mean sign for it will it mean i need to provide proof of earning etc? as ive never taken a loan out before..
... |
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 How high can your credit score go up after being very low? |
| My credit score is around 500. I'm 21 years old and I have made some pretty poor decisions regarding my financial obligations. (PLEASE, do not post any negative information or comments telling ... |
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 Is 522 a good credit score? |
| How good or bad is 522 as a credit score?... |
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 Does Anyone Know anyone who can repoair my credit? |
Does anyone know of any professionals who can assist me with repairing my credit file?
Additional Details
I live in Australia, so need advice relevant for here. I cant get a mobil phone ... |
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 I received a credit card in the mail at age 17 and I used it. Now, I have to go to court 8 years later, help! |
| I received a letter at my mom's house saying that I have to appear in court next week for an old credit card debt from Filene's or I will be arrested because there is now a warrent for my ... |
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 Credit problem? |
| my boy freind got a contract mobile phone and didnt pay for it so i cant get any credit to my house but i want to buy it can you ... |
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 Which UK credit card is best(please see details)? |
| My partner and I have been looking at buying a house but we can't get a large enough mortgage. It seems the only way to get a higher one is to get a higher credit score. I have never been in ... |
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 How can i make a complaint about my credit card company? |
On holiday in the USA i got billed by my credit card company for someone elses room bill. I payed170USD cash towards the bill.
This was not taken off the billed amount. The bill given to me at ... |
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 What is the best credit card for college students? |
| Can some one also explain what APR is and how that goes along with monthly payments? Are there contract? WHat happens if you break the contract?... |
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 What is the best credit card for me? |
| I'm a student.. so I cant have a big spending limit... and I plan to make payments on it instead of alll at once.... |
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 Would I be able to get a $ 10,000 loan using a credit card? |
| The amount would be to purchase a small home that needs some repairs. This is included in the amount that I would borrow. How much time would I have to repay this $10,000 loan off of a credit card? H... |
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 Is 15 too young to have a credit card? |
| Out of the blue the other day my mom handed me a credit card with my name on it. I had to sign the back and everything. It was soo random. It's cute though it has Tinkerbell on it. Anyway, why ... |
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Michele | Can they force me to pay for it? |
I ordered a bed out of my catologue. When it came I didn't like the mattress, I didn't unwrap it just looked at it in the garage. I made 2 attempts to get it collected and the carriers didn't turn up. I sent an email to the catologue explaining the problem and that the 14 day return period had now expired. They sorted it out and the carriers sent me a collection date. Again they didn't come. I emailed again and they sent another date. I knew I would be at work so I called carriers to just collect it out the garage and push my receipt through the door. Any way they had taken the bed and not left the receipt. Where do I stand legally?
Additional Details
This bed has not been paid for at all yet because it was on credit from the catologue. I was meant to start paying from the first statement after it arrived. But if I don't pay I don't want it to affect my credit rating. |
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Jonathan
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Ask at the Citizens Advice Bureau. |
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wcanoodle
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Call them and ask them to mail you a receipt or email you one or fax you one?
If not and they say they didn't get it, then anybody could have taken it if the garage door was open... |
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John S
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A few websites for you:
Office of Fair Trading: Legislation regarding distance selling
http://www.oft.gov.uk/advice_and_resources/resource_base/legal/distance-selling-regulations/
Consumer Advice at
http://www.consumerdirect.gov.uk/ which you can also call on
08454 04 05 06
The Trading Standard (EVEN THOUGH, they might have some terms and conditions on their website, they cannot write whatever they want)
http://www.tradingstandards.gov.uk/
All those website to give you more information but also to mention when dealing with the company you are having problem with (this usually scare them).
And in the scare category: this one as well
http://www.bbc.co.uk/consumer/tv_and_radio/watchdog/
All the best |
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Blue
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If you used a credit card to pay for this, you should call your cc company to have a hold put on the charges until the issue is resolved. Good luck! |
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Lauren
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They have to give you your money back really as long as you have evidence that you asked for them to collect it before the 14 days were up. But as the other answerer said, ask the citizens advice bureau |
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friskydragon
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How do you know the people that took it were supposed to? Could it have been stolen?
If the van man has told you he has collected it then he can advise the catalogue of this as well - Problem solved.
If he didn't collect it or won't admit it report it to the police - all these vans have trackers on and they will be able to see if one of these vans had been near your house that day. |
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Yoel L
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email them back. you have the legal right and proof that you have emailed them on several occasions. call back to that company and tell them that you want them to fax the receipt. or make them email you, or sent it by mail. |
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itsmeee
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you should have the original receipt and they should have records you have called about the bed. so lost records isn't so much a problem.
the prolem is now getting your money back. check the terms and conditions (t&c's) on your receipt and if you need to, ask the bed company to give you a copy of their t&c's which they are legally obligated to do - that is a consumer right. or go down to the store and get a copy, they should have one posted up somewhere.
check how long they get to give you your money back.
if time has elapsed, send 3 separate written letters sent through registered post explaining your situation and get the money back. If they do not answer your first 2 letters, on the 3rd letter give them a time limit i.e. 14days to refund your money otherwise you will bring on legal action. now this is just a scare tactic, you don't need to instruct lawyers. if however that doesn't work, take them to the small claims court where you don't need a lawyer and can represent yourself. the procedure is very informal and will take less than an hour. a ruling will be given there and then.
to be honest, by not giving you a receipt is a breach of their rules. |
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girlygurl23
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If you ordered using mastercard or visa, I would try calling my credit card company and getting advice from them. I have worked for bank of america in the past, and they have a disputes department that handles situations like yours. You may have rights under visa and mastercard, for which your credit card company may file for you.
Bottom line is that you will hve to dispute the transaction with a credit card company. |
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mark101112
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Did you keep... RECORDS OF YOUR ATTEMPTS.... to return the ITEM?
IF YOU DID... then contact your Credit Card... company... AND LET THEM... HANDLE THAT!
IF you did NOT.... Sorry... you must eat this one!
BEFORE.... buying On LINE.... I Always... check the Written Policy... and Try and Contact..... CUSTOMER SERVICES... for Clarification... of their Policies!
IF ... you cannot contact them... OR... if they will not return your Email or Calls.... DO NOT BUY FROM THAT SITE!
Sorry......!
Thanks, RR |
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