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Wilsp

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  1. Hi Haverson, I have been unable to find any faults or problems with the microswitch or Cooker online. It means having to get an independent engineer's report then proceeding through small claims. I am wondering that because of the amount of money involved, is it worth it?
  2. Haversine, it is the microswitch in the oven door that is the problem, the fan does not come on due to the fault. If I go through small claims (Scotland) I take it I would need to get an independent engineers report then start court proceedings.
  3. I purchased a Hotpoint Cooker from Very in 2013. I had a repair carried out covered by the warranty in the first year. Around twelve months later the same fault occurred and I again had the fault repaired, this time I successfully reclaimed from Very. Last year had the same problem and Hotpoint came out to repair again. I attempted to claim from Very but this time they refused the claim. I provided all receipts and even escalated the case to executive complaints. As a final decision they refused the claim and said I could go to the Financial Ombudsman. I contacted the Ombudsman but they said they could not deal with the claim. They recommended the Consumer Ombudsman but Shop Direct/Very is not on their list. Is small claims my only option?
  4. What annoys me is that even though I contacted them to make an arrangement to pay, I am treated as though I have defaulted. Yes, I know I shouldn't have run up such a high overdraft, but I want to get on top of things and ensure it doesn't happen again. That there is no standard across the banking industry for repayments and getting out of financial difficulty needs addressing.
  5. They started when I agreed to the repayments, June last year. I don't have any CCJ's, the rest of my file has no issues.
  6. I had a look and the AP search showed up mainly people who had or should have a default marker placed on their file. My file is showing as up to date with Hfx (green with AR) my aim is to clear the overdraft in twelve months, I have agreed an interest and charges freeze until June, a month before then I need to call back and see what they say. I have seen many threads that say DCA's have no powers and can be ignored, my concern is that although I am still dealing with Halifax directly until June, they may "sell" the overdraft to a DCA, I would certainly prefer to keep dealing directly with Halifax until it is repaid. I cannot understand why they have put an AR marker on my file and the Co-Op have not, when I have sorted all this out I would like to look at getting a mortgage but if the AR marker stays on for six years then I may have difficulty, is that right??
  7. Hi all, Don't know whether this is the right place or if anyone can help but here goes. I am repaying an overdraft on a Halifax bank account and have agreed monthly repayments with their collections department and have just renewed for another six months. I have not missed any payments. I have looked at my credit file and noticed that my Halifax account has an AR marker on it but is also showing as being up to date. I have checked and this means "arrangement to pay" I also note that it could affect my credit, even though it is showing as up to date and no payments have been missed. I have the same decreasing overdraft agreement with Co-Operative Bank and note that there is no AR marker with them. The only difference is that Halifax have frozen interest and charges at zero, the Co-Op overdraft is so small that interest is charged but over the eight months it will take to clear, it is negligible. I don't know if Halifax are within their rights to do this, can someone more knowledgeable please advise? Also, the overdraft will not be cleared in six months so I will have to contact them again and request an extension to the repayments. If they say they will refer (sell) the debt to a collections agency, what rights do I have, I would prefer to deal with Halifax directly, can I request this? Thanks
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