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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
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    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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B&Q and Hitachi Finance


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In May of this year, Hubby decided he would like a new Bathroom and Kitchen - He decided to take advantage of a 'No Interest deal" spread over 4 years being offered by Hitachi Finance via B&Q.

 

 

He toddled off to B&Q - designed his ideal kitchen and bathroom with a very nice team of designers. He passed all the credit checks and we had the Surveys done. The Surveys threw up some problems that hadn't been budgeted for and when we later looked into these, they didn't actually need doing anyway. However, because they involved electricity and plumbing he decided NOT to go ahead with the projects. That he would look further into having this work done, once he had made contact with the Electrician and Plumber that we have used for years, knew that we would get a good job done for a fair price.

 

 

He returned to B&Q and told them of his decision and they were supposed to have cancelled any further dealings with Hitachi Finance. He had not signed any final paper work with them, in effect no contract had ever been entered into.

 

 

In July, Hubby passed away and not long after, I started to receive emails from Hitachi Finance.. similar to the one attached.

 

 

On the 1st August, I sent an email to Hitachi Finance - 1: Hubby passed away. 2: There was no contract, it had never been finalised. Please update your records.

 

 

I received the following response on 3rd August

 

 

Thank you for your email, I am sorry for your recent bereavement, please accept our condolences.

 

I have passed the information on to the relevent department for you. As the contract has not been finalised please regard this as confirmation that we will not go ahead with the finance agreement.

 

Should you require any further assistance please do not hesitate to contact our Customer Service Team on 0344 375 5500 or via email [email protected].

 

Kind Regards,

Chris Mellor signature

Chris Mellor

Head of Customer Service

Hitachi Personal Finance

 

 

On the 8th August, I received another Email asking Hubby "How was it for him" ?

 

So, I sent the following....

 

Dear Mr Mellor,

You seem to have forgotten that we have already been through this question once before - on the 3rd of August, after I had made you aware that the Finance was applied for but never taken up as the order with B&Q was cancelled.

 

I also made you aware at that time that my Husband passed away on 11th July 2017. I find it quite astonishing that your response, which I have attached as a pdf, for your attention and to jog your memory, implied that you would pass the information on to the relevant department - there was never a contract between you and my husband, it was never finalised.

 

I would appreciate it if you would now ensure that the relevant department is made aware that to continue receiving these emails is distressing !

 

Yours sincerely,

 

 

On the 17th August, 9.10 am, I received an acknowledgement of my complaint and that someone would get back to me. Someone did, at 4.56 pm.

 

 

Application number: 1234567

 

 

 

Dear Mrs citizenB

 

Complaint about correspondence received from Hitachi Personal Finance

 

Thank you for your patience while I have investigated the concerns you raised on 8 August 2017. My investigation is now complete and I am writing to you with my response. Please accept my sincere apologies for any inconvenience this issue may have caused.

 

Your Complaint

 

You notified Hitachi Personal Finance that you were still receiving correspondence addressed to your late husband despite contacting us previously to advise of his passing.

 

My Investigation

 

Firstly I would like to offer my deepest condolences for your loss and would like to apologise for any further distress caused by the correspondence received.

 

I have contacted our marketing department to ensure that no further correspondence is sent to you addressed to Mr Citizenb. I have been advised that this process can take up to 6 weeks to complete therefore I would like to apologise in advance should you receive any further correspondence from us.

 

I have also contacted B&Q to request that the finance application be cancelled on the system as the agreement is not going ahead.

 

Outcome

 

I can confirm that the application has been cancelled by the retailer. I have also arranged for some flowers to be sent to you by way of apology which I hope reach you successfully.

 

Taking into consideration all of the above, I will now close your complaint. Once again I would like to extend my sincere apologies for the experience you have had, and offer my deepest condolences for your loss.

 

Thank you for taking the time to bring this matter to our attention. At Hitachi Personal Finance we strive to provide the best customer service possible, and rely on customer feedback to achieve this. I trust if you have any issues in the future you will not hesitate to contact the Complaints Team on 0113 380 1065 or by email, [email protected]

 

This is our final response in respect of your complaint. If you remain dissatisfied with the outcome in this matter, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of this letter.

 

If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.

 

Please click on the link below to access The Financial Ombudsman Consumer Leaflet. Should you wish to have a paper copy, please contact us and we will arrange for this to be sent to you directly.

 

your complaint and the ombudsman - our consumer leaflet

 

The link below will provide you with information on how to refer your complaint to the Financial Ombudsman Service. Please copy and paste the link into your web browser.

 

http://www.financial-ombudsman.org.uk/consumer/complaints.htm

 

You can at any time refer your complaint to the FLA Conciliation and Arbitration Scheme by contacting them on 0207 836 6511 or by visiting their website at http://www.fla.org.uk/index.php/consumer-information/how-to-make-a-complaint2/

 

Kind regards,

 

 

 

I did indeed receive a stunning bouquet of flowers.

 

What I find unacceptable is that despite her warning that this might take up to 6 weeks, I kind of assumed that the emails would cease immediately. Surely they wouldn't continue to send emails ...? Oh yes they would !! It would appear they are sending them at the rate of 1 per week - presumably if someone were to respond they would cease.. or would they ?

 

Why does it take 6 weeks to remove someone from their system, when there was never any contract in the first place ?

Hitachi Finance.pdf

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Dear CitB - Sorry to hear of your loss! Thats really sad!

 

Realistically it shouldn't take 6 weeks to remove them from a marketing list - But at most it should take a maximum of 2 weeks .

This is to allow the message to pass down to any 3rd parties that they are to be removed.

 

But unfortunately its one of those things in life.

 

OOI do the emails at the bottom of them have an unsubscribe link? - I see that it does - Have you clicked this?

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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OOI do the emails at the bottom of them have an unsubscribe link? - I see that it does - Have you clicked this?

 

 

They do indeed, I didn't notice that - I have clicked on the last email - lets see if that works :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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They do indeed, I didn't notice that - I have clicked on the last email - lets see if that works :)

 

It should remove you from their lists as it says you dont want to be subscribed :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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:thumb:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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