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    • If the legendary dx could offer his wisdom it would be greatly appreciated 
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    • Hi,   I have given an official police witness statement for the prosecution in an upcoming criminal court case, and I am very anxious about what might happen.  Specifically regarding being cross-examined.  My statement is very short, and only a couple of paragraphs long, regarding a conversation I had with one of the victims.  I have tried to research online about what information about me the defence barrister might be able to find and use to discredit me.  I have by no means have a shady past but, I am concerned about what private information might be brought up, and as this is a case that will be in the national press as it is in the public interest.  The two preliminary hearings were reported in the papers.   I have tried to research  online what information the opposition can seek, but it is all very complicated.  I believe that they can legally access public records, but I'm not sure what information public records hold.  Can they access my medical records, educational history, HMRC, and Department for Work and Pensions? (I am a self employed sole trader).  I was arrested once, and this was unfortunately instigated by the victim in this case, so could well be of interest to them.  It resulted in no further action, however I have only discovered this week that that, in fact, this means I have a criminal record, and will be so until I am 100 (no chance)! This has really annoyed me to say the least, especially since I asked him afterwards why he rang the police and he said 'for a laugh'.  So I have started to look into applying for it to be deleted, but again, if anyone has any advice on this I would be appreciative. At the moment, my name isn't on the confirmed list to give evidence, but the detective I have been dealing with has said it is 'likely'. The names of the victims in this case will not be allowed to be reported, are witnesses fair game for the press? I really need no know how deep they can delve in to my life so I am prepared if my character gets assassinated in front of the nation. I really wish I'd never agreed to this.   Many thanks
    • A belated thanks dx. Yes I may take your advice regarding StepChange. I am finding that I am telling them (on behalf of my Son) the true balances outstanding? They never seem to check properly in which worries me. If I was to take on myself is there another way of dealing with various debts? I have already submitted other IRL complaints on his behalf. Today I have received a further response from Quidie T/A Fernovo confirming that they will waiver all interest paid.
    • Good evening  Case hearing this Friday 26/04. looking to have all my prep/papers ready.    just checking in to get update on my last post , ( the t&c’s attached). No name or address on them as per #49   thank you UCM  
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Homeserve Furniture Repairs Limited - 5 Year Warranty


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Hi Folks

I am posting for information as the elderly couple next door don't have internet never mind a PC.

They bought a three seater sofa and two reclining chairs from World of Sofas just over a year ago.

 

Two weeks after taking delivery there was a problem, a four inch strip of leather at the side of one of the cushions was cracking and peeling so they contacted World of Sofas who sent someone out to repair it, three times.

 

Since then World of Sofas has went to the wall but the problem persisted, thinking that they would use the 5 year warranty, that they paid £200 for, to get the sofa repaired or replaced, they contacted Creations Consumer Finance Ltd as instructed who said to contact Homeserve Furniture Repairs Limited and have an independant report done but this would cost them £36.

 

Homeserve sent out a technician and they received a letter today stating that a satisfactory repair could be carried out in their home.

But they want £280 + vat to do it.

 

On the Homeserve Care Plan 5 Year Policy Coverage it states they are covered for "Lifting & Peeling of Leather", so why doesn't the warranty they paid £200 for not cover the repair.

 

To be honest this sofa should have been replaced after two weeks, it's obvious that there was a manufacturing fault from the start and that the three failed attempts to repair it previously should convince them that another repair isn't going to wok, how many chances do they get, is it until the five year extended warranty runs out and they can say it has nothing to do with them.

 

The crazy thing about it is that they want this 80 year old couple, one of whom has dementia to allow a technician access to their home for five hours to do a repair and then only if they pay over £300 to have it done after paying for an extended warranty which in my opinion and their own printed words should cover this.

 

I don't think I mentioned before but they use the two chairs, the sofa is very seldom used unless they have visitors, which is very rarely.

 

If there is anything that makes me angry, it's a company exploiting our older community and bleeding them dry after that.

I am in the process of writing another letter to them, explaining the situation and that if something is not done soon that the next avenue I will take is Trading Standards, the FSA and every review website on the internet.

 

Any advice would be very much appreciated.

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How did they pay for the sofa ? Was any form of credit used ?

 

Have come across a similar post from someone who bought a 'leather sofa' from The Range. It turned out that the material was not real leather after close inspection. The Range then argued that the did not say it was 'real leather'. Anyway to cut a long story short they took the retailer to court and the judge actually heard the case at the claimants home which they won against the retailer. If the sofa was bought on credit, they can take action via the credit company, as the retailer is no longer trading.

 

If they did not use credit and the retailer is not around so no viable claim can be made via that route, then make a complaint to Homeserve using their complaints process and if after 8 weeks they cannot resolve, the complaint can be passed to the FOS. The FOS process can take 6 months or more. You really need to read through the Homeserve policy from front to back, to see why they want £280 +vat. Homeserve have to explain why this is the case.

 

Have a read of the FSA handbook on claim handling that Homeserve should be observing.

 

http://fsahandbook.info/FSA/html/handbook/ICOBS/8

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sadly homeserve are renound for pulling these stunts.

 

ScS use them and they wriggle out of it everytime. and then charge you.

 

i had a friend that had a sofa that was in the LIVING QUARTERS of a BnB

they refused to repair it as it was in a business establishment.

 

he did what BG is suggegsting and got Visa involved.

 

oh and while i'm at it, World of Sofas were featured big on watchdog some moons ago.

i think they are mentioned here too

same guys, just ditch and run every 2yrs.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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