Credit Blacklisting - A warning about Mobile Phone

[hashmcgandy]

A good friend of mine has recently taken out a contract with Jag Communications only to discover that this company (and I presume others) will no longer honour the Statutory Consumer Rights. He discovered this when he wanted to return the phone within the usual 28 day 'grace' period, as he was dissatisfied with the product. Furthermore - he was informed by a Jag representative that returning a mobile or even attempting to return the phone would (and I quote) "negatively affect your credit rating". I've suggested to my friend that he register a formal complaint against Jag with the DTI (Department of Trade and Industry) but I'm just wondering if anyone on this Forum has experienced similar?

[legendary]

is this in America? never heard of Jag communications before

PS what does returning a faulty/unsatisfactory product have to do with your credit rating?

[hashmcgandy]

is this in America? never heard of Jag communications before

PS what does returning a faulty/unsatisfactory product have to do with your credit rating?

Sorry, I should have made it clear that this is in the UK and I have also have no idea how or why returning an unsatisfactory product would affect a credit rating, that's why I posted here to see if anyone else had experienced similar problems. Maybe someone can explain it to both of us as I'd love to know what the hell is going on too!

[baron von lotsov]

Use the Data Protection Act. It is illegal to store and share information on people in this way without their permission.

[legendary]

Use the Data Protection Act. It is illegal to store and share information on people in this way without their permission.

they probably would have put a clause in the contract allowing them to do so, otherwise i think they would have been taken to court a fair few times. worth looking into though. i recon it's just a scare tactic.

[hashmcgandy]

Thanks for all the replies I've received and advice on this issue. I have passed the info on to my friend, Lee. It's good to know that everyone here is so switched on. Cheers my friends and peace to you all.

[baron von lotsov]

they probably would have put a clause in the contract allowing them to do so, otherwise i think they would have been taken to court a fair few times. worth looking into though. i recon it's just a scare tactic.

Yes but the contract isn't binding until after the 'cooling off' period.

[whitenight639]

http://www.johnantell.co.uk/SOGA1979.htm The sale of good act

http://www.opsi.gov.uk/si/si2000/20002334.htm
The Consumer Protection (Distance Selling) Regulations 2000


also if he/she bought the phone (or paid the deposit) with a credit card then he can return the phone under the consumer credit act which gives a 28 day cooling off period, this shouldn't affect his credit rating, ask them why it will affect his/ her credit rating are they going to record a default? why if he is ending the contract as he is legally allowed to do.