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EOS-5D

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  1. Hi All, I CCA'd M&S money last week with a template letter from this site. Of course I didnt sign the letter, I used block capitals as advised. I recieved a reply from them this morning which had 2 pages in it. The 1st page was a letter saying that under the consumer credit act, before they can provide a copy of this info, they need my "signature of authority", and that I had to allow 12 days for them to process this info and the 2nd page was a form which I had to fill out with my personal details. My questions are:- 1) Do I need to provide them with a "signature of authority" and further personal details before they release any info to me? 2) Is this just a delaying tactic by them, because they dont have or cant find my agreement? 3) What is my next move? Is there a template for a reply to them? Thanks in advance for any advice. Cheers EOS5D OK I received my CCA information back from M&S yesterday. Could someone please have a look to see if there are any "holes" in it. I dont know if this will have a bearing on things but I thought I should mention it. A member of M&S staff filled this form out for me instore, as I didnt really want the card but she was really pushy. For some reason Ive created 10 single PDFs, so Ive spread the CCA Info over 2 posts, Sorry. Cheers EOS-5D Part 2, PDFs 6-10 ta CCA return.pdf
  2. Hello All I trust that you're all well given the current situation My brother has a 2 acre piece of land with frontage to a 50 mph B-Road. He would like to park his vehicles on his land but would need access from/to this B-Road. Is this possible? How would he go about this? There is a small lane to the side of his plot, which would not be suitable. How far up the B-Road would the access need to be away fro the lane? Thank you for any advice in advance Best E5D
  3. Hi All I came back from work yesterday to find that there are double yellow lines outside my council house and around the corner. I assume the council put them there (they look like they've been painted by someone after a heavy liquid lunch) the lines are 55mm wide the the cap between them varies from 30mm to 70mm. As I'm near the end of the terrace, the lines start outside my house, go up the road and around the bend, going up that road. My questions are:- 1) Should the council advertise that the lines are being put there prior to painting 2) Should there be parking restriction signs to accompany these lines 3) Should these lines confirm to a standard for the to be legal 4) Should there be plans lodged somewhere to state the how far these lines come down the straight bit of road after the bend As always, thanks in advance EOS-5D
  4. Hi All, A friend of ours is in a huge amount of debt from her marriage, where her husband built up this debt, cheated on her and was also very abusive. Our friend had no choice but to go into a refuge with their 2yr old son. Whilst in the refuge, her husband didn't give her dog the medication that it needed and it became ill. the husband took the dog to the vets in the morning, but the vet put the dog to sleep in the afternoon. The dog belonged solely to our friend, not the husband. The vet did not call our friend on her mobile phone to speak with, as the dog's owner), they were happy to speak with her estranged husband. The vets have sent our friend the bill and asked her to solely pay it as the sole vet account holder and dog owner. She wants to know if they can do that? Someone takes the dog in ( who the vet knows) and destroy it without t=contacting the owner and also without checking that the vet account holder is happy to accept the charge for this treatment? many thanks in advance E5D
  5. Hello All A friend of ours mother passed away last year. She sent our friend for adoption when he was 9 months old. His mother then had a daughter, who was fostered out. After this, the mother moved to the USA and had 3 further children, which she raised herself. The family in the USA have distributed the cash and other belongings between them, however there is a mortgage free house in the USA, which the family want to dispose of. Would my friend, as the eldest child have a claim for a share of the house, despite being sent out for adoption many thanks in advance EOS-5D
  6. Hello All A very dear friend of ours is in a bit of a pickle. She separated from her husband and he forced her to sell the family home about 18 months ago. They had a lot of debt between them, which was built up during the marriage. She has care of their son and put the £10,000 which she got from the sale of their house in s trust fund for her son. She is under a lot of pressure from her creditors for money. She is considering going bankrupt, but is wondering if the £10,000 which she put away for her son will be taken away Many thanks in advance EOS-5D
  7. Hello Ash, Thank you for your message. I received a replacement phone today, rather than my repaired phone. Thank you EOS-5D
  8. It was in my top pocket CB, I bent down to pick up the loo roll and it slide out and straight down. :0(
  9. Ash-PYB, You can see the circumstances of my concern in my OP. I had forgotten about the water damage, so when the phone started to fail, I contacted Apple Customer Services as I thought that it was an issue that could bet resolved though some sort of reset. I tried all of the rest procedures, including a complete erase and re-install, which was when the phone completely shut down. I took it to an Apple Store, when the tech guy opened it up and showed me that it was severely water damaged ( the water damage indicators had been triggered ). I then remembered about the phone falling into the toilet, so I asked if it could be repaired. The tech guy said that Apple do not recommend that water damaged phones be repaired, as its like a ticking time bomb. I asked what they usually do in these circumstances. He told me that they offer a service exchange for £229. I called PYB, who to ask if I could pay the £229 for the service exchange and get hit reimbursed from PYB at a later date. The advisor said no. The phone had to be sent away to be repaired. I told her what the Apple tech guy said, to which she replied by saying that all Apple want to do is sell me another phone. I was shocked at this comment, as this solution would get me up and running again, which minimal delays, where as Ive been without my phone for a week now and possibly longer as I may not be happy with the repair or find a fault with it in the coming days, weeks or months. Surely, the cost difference is that much between the £229 that Apple get for the service replacement as opposed to what A Novo are charging to repair my seemingly terminated phone? It would be interesting to see what they've charged, to see what price PYB put on their customers satisfaction? Many thanks EOS-5D
  10. Hi Guys, I accidentally dropped my iPhone 6 down the toilet about 2 months ago. The damn thing was in my top pocket and slipped out when i bent down to pick something up. Nightmare, as the toilet had bleach in it. I fished the phone out, gave it a very quick rinse, because of the bleach and towel dried it, then stuck it in some rice, as I've heard of people doing this. I called Protect your bubble to start the claim. I left it in there for a day then tried the phone. it was all over the place to start but then began to work properly and continued to do so for the next couple of days, so i cancelled the claim. last week, the phone died after i installed ios9. i took it to the apple store, who opened it up and said that the water damage had finished it off. I explained what happened and they said that they would never replace this phone because of the water damage and more importantly the bleach. I reopened the claim with PYB and sent the phone off to A Novo, who is their repair company. After a few days I called PYB to get an update. they said that the phone is still being repaired. I questioned this because of what Apple said. PYB said that their contract with A Novo was to repair the phone rather than replace and that the phone would be fine. that got me thinking, so I cold called A Novo to get their opinion. They said that they would never repair a water damaged phone, let alone one that had bleach in it. I mentioned PYB and they said that their contract with PYB is to repair 1st and only replace if the phone doesn't pass the 40 point check. They also said that their work is guaranteed for 180 days. Im still waiting for the phone back, which should be Tuesday, so my question is Where do I stand with the repair? My concern is that it may work now but as time goes on , the metallic parts will corrode and the phone may fail outside of the 180 days warranty many thanks EOS-5D
  11. I took out a credit card with Lloyds back in 1994. I've been self employed since 1989, so was self employed throughout holding this card and policy. I've been told that PPI policy's don't offer the same benefits as they do for employed people. Is this the case, because Lloyds have rejected my claim, saying that their PPI policy carried the same benefits for both. I've asked for proof, but they haven't provided me with any. Does anyone know if this is true please? Many thanks E5D
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