davidoneman
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Hi long story short i have around 7 credit cards take out around 2016 , due to recent rises in mortgage etc towards the end of last year had no option to stop paying min to credit cards . But i looked into irresponsible lending which on 5 of the cards i have won they all rejected but after sending to ombudsman i got the verdict , all interest and charges have been refunded but still leaves a balance which i pay £10 a month . The other 2 cards have just go e to the ombudsman which im sure will have the same outcome . I was then thinking about borrowing some money from family to offer a full and final but what percent is generally accepted , the cards are with , aqua , vanquis , fluid , tesco , m&s , Sainsburys . The m&s has been sent to link finance but thats with ombudsman at the min so not sure would happen with that if im successful if it would go back to m&s . Many thanks
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Poor fitted windows small claims court
davidoneman replied to davidoneman's topic in The building trade and installers
Hi for some reason it didnt post my reply , yes i got a FENSA cert , what sort of time line should i give to get the work done , cheers -
Poor fitted windows small claims court
davidoneman replied to davidoneman's topic in The building trade and installers
Around feb 2020 -
Poor fitted windows small claims court
davidoneman replied to davidoneman's topic in The building trade and installers
Like i say the problem they have been coming out and saying different things over the past few years like supplier problems blaming covid , ordering wrong replacement windows etc . -
Poor fitted windows small claims court
davidoneman replied to davidoneman's topic in The building trade and installers
Not admitted anything in writing and paid via bank transfer , its not a big company just one local to where i live . So much for giving to trade in local community . -
Hi not sure if in right place , but i got some windows fitted in 2018 about 6 months later noticed in a couple of the windows on the opening a gap appeared and noise and air was apparent , i went to the shop and mentioned it and said someone would come out never did. to cut it short many times going to shop / messaging they have been out afew times always with a excuse saying forgot where they put parts then saying they would replace 2 of the windows , then saying they ordered the wrong windows this was the latest back in feb this year , so ive had enough now and looking at taking them to small claims court . Ive always thought all the windows are not right as since the new windows the house seems colder and noisier so would i be able to claim for all the windows or would i need to get a independent review of the windows before making a claim . I dont want to put a claim in then find i should have done things first . Many thanks for any help . David
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Hi no , i was just putting an example to the person who said it was my fault . I would just think that these lenders should have a responsibility if not any help for me for people in the future . Just because someone pays the min each month should not be a case to up limits or give big limits to start . Thats how you can get into debt easy , surely they should look into all the cards etc people have to be a responsible lender if someone is just making the min payment each month to all the companies how is it any good lending that person more money .
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Maybe so , but is that like saying to someone who has a gambling problem who goes into a bookies well your in this situation because of your own actions ? But the people in the bookies are supposed to look out for people with problems and stop them from gambling . Surely the credit card companies should look out for customers who just make min payments and not keep putting up limits
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Hi ive got some credit card debt which is starting to get on top of me and now im going to try sort , after abit of thinking i believe its irresponsible lending my earnings are around £13500 a year yet just tesco credit card has my limit at £7900 , they started alot lower and with interest free deals and only taking low monthly payments which seemed ok say £50 a month and making only min payments but they keep putting limit up then all of a sudden the min jumps up to £178 a month , its like they do this on purpose but is it allowed , are they not supposed to follow guide lines , im always in my overdraft , i have afew other credit cards which only make the min payment normally . so because i had other cards and made min payments before i got the tesco card should they have actually gave me such a big limit ? and should they increase the limit ? , same with the other accounts like aqua the limit is £7250 , why do they do this just gets people into debts they can not get out of . yes the people getting cards need to take some responsibility but i suppose its like putting a starving person in front of loads of food and not expecting them to take some , when u need the money to buy shopping or pay bills etc you use the money and dont think then pay the min each month . should i write to the companies expressing my points and see what they reply ? as you probably aware english grammer etc isnt my strongest point never has been . many thanks for any help replies.
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Hi my mother-inlaw went out to the garage looking at cars and decided to buy one , a used car from a dealership and she paid in full ( dont know why ) , she is supposed to pick up the car next week but has changed her mind she now doesnt want the car . Is there anything she can do to cancel the order and get her money back ? Many thanks davd
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