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tiamai_d

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  1. OK, so we bought 2 sofas from LoL (ha, yes Laugh out Loud) in August 2006, delivered 30 nov 2006. They cost aprox £1200 plus £350 for 5 year cover care (with two kids it was needed). Two months ago I called the cover care to have a previuos repair fixed and some cracking on the decorative seam on one sofa. Homeserve came out and said they would not repair them as ALL the seams are cracking and the sofas are faulty. The leather match is splitting and it is a manufacturing fault, thank you good bye. LoL then sent out there own repairman to access the damage. I then got a call offering to pay half of the £350 repair cost, because I had not reported the fault earlier, even though I was not aware of the fault... they agree that is it a manufacturing fault but will not go firther than paying half of £350 to repair it, meaning in another few months the fault will still be there and it will crack all over again. I wrote a letter detail sales of good act, that if something has a fault at time of sale, they must repair (for free) or replace, or refund. I want a refund, the sofas are faulty not matter how often you repair them they will still be faulty. They wrote back saying.... I am fully conversant with the sales of goods act petaining to your particular complaint and whilst I agree with the majority of points raised it is felt that owning to the time between delivery and complaint, bearing in mind that had we been informed at an earlier date the cost of repair would have been considerably less.... So they are admitting the fault but I should have reported an unknown fault earlier so they could have repaired it for less money... Anyway, I have decided to go ahead and take them to the small claims court. Worse case is that I loose and still end up paying less than agreeing to their offer. Any advice? I have looked at the website and have a rough idea of what I am doing (and that fee's will be wiaved as we get tax credits). Just like someone to go through it step by step in plain english.... please??
  2. OK, so we bought 2 sofas from LoL (ha, yes Laugh out Loud) in August 2006, delivered 30 nov 2006. They cost aprox £1200 plus £350 for 5 year cover care (with two kids it was needed). Two months ago I called the cover care to have a previuos repair fixed and some cracking on the decorative seam on one sofa. Homeserve came out and said they would not repair them as ALL the seams are cracking and the sofas are faulty. The leather match is splitting and it is a manufacturing fault, thank you good bye. LoL then sent out there own repairman to access the damage. I then got a call offering to pay half of the £350 repair cost, because I had not reported the fault earlier, even though I was not aware of the fault... they agree that is it a manufacturing fault but will not go firther than paying half of £350 to repair it, meaning in another few months the fault will still be there and it will crack all over again. I wrote a letter detail sales of good act, that if something has a fault at time of sale, they must repair (for free) or replace, or refund. I want a refund, the sofas are faulty not matter how often you repair them they will still be faulty. They wrote back saying.... I am fully conversant with the sales of goods act petaining to your particular complaint and whilst I agree with the majority of points raised it is felt that owning to the time between delivery and complaint, bearing in mind that had we been informed at an earlier date the cost of repair would have been considerably less.... So they are admitting the fault but I should have reported an unknown fault earlier so they could have repaired it for less money... Anyway, I have decided to go ahead and take them to the small claims court. Worse case is that I loose and still end up paying less than agreeing to their offer. Any advice? I have looked at the website and have a rough idea of what I am doing (and that fee's will be wiaved as we get tax credits). Just like someone to go through it step by step in plain english.... please??
  3. Well, didn't I get a nice surprise today? Should explain that my husband is in training for a new job, and he is not getting paid for it! All our savings have been depleted as he has been in and out of work on and off since September. So, when I saw the large white envelopes, my chest tightened and I thought 'oh God, what now?' First one was from Lloyds, for me alone, saying they are going to refund £60.00 woohoo! WE had complained to the Ombudsman a few weeks ago when they charged us £95 over two accounts (that then took us further into debt, as I said we are skint!) Second one was for both of us, saying they were refunding £165.00!! So, I can safely say, WE WON!!!! WOOOHOOOO!!!!! Thing is, I didn't get around to posting the complaint form to the ombudsman regarding the back dated charges, we phoned to complain of the charges they had chrged recently. So I'd say that using the Ombudsman before going to court may be a good way forward. Many many thanks to this website, those who help run it, and the wonderful people who are members.
  4. WOW! Yes, I know it has been a while, but life got hectic! My two kids got chicken pox one after the other, then colds, tehn I got a chest infection, then my youngest got an chest infection (he has CP so he gets them a lot and is very ill) then I got a throat infection... the list actually goes on, needless to say after 5 solid weeks of broken sleep, fighting with Lloyds TSB seemed liek a task I just couldnt face! Untill that is, we got letters from them charging us ANOTHER £90 on fines! We didnt even get teh letters in time to take action! And they will not refund them! Complianed about these fines to the FO, and while on the phone they sugested that we forward the complaint/claim for past fines and 'fees' to them before going to court. Im just printing off the forms right now. Has anyone else had sucess with this? Just sent off the claim to Clydesdale too, so if they say no, that one will be handed to the FO too. thanks, Tia.
  5. hiya, think we are at the same stage, just to let you know that 2 days after receiving the letter asking for more time to send out my statements, I got them! Its just over £550 Im claiming, and just going to get my butt in gear and write the letter up. Good luck!! tia
  6. oh and odes anybody know how to change the tread title from 'nd' top Tiamai vs Clydesdale? 'nd' was a typo that I didnt notice!
  7. Well, after the letter asking for more time, guess what dropped through the letter box today? Statements. And after looking over them, it amounts to a total of £558.50, over 6 years or £501.00 over 5.... I dont know whether to be happy or disapointed, I was sure it was more than that.... but anyway... next stage, asking for it back. What really annoys me is that they charge you an irregular fee, then they charge you again with a service charge! Plus, they seem to vary quite a bit in what they charge you, hmmm.... picking a number at random Clydesdale? And from the mastercard, £90, all late fees. Should I just lump it all in together or claim them seperate?
  8. hiya Richard, not done anything about it yet, just brousing through to get ideas before I make a decision. Will probably send a letter to the bank saying its not good enough bla bla bla... they never gave us extra time to pay their unfair charges did they? Its worded so you look at it, and go well, what can I do? then you re-read it, and its got the 'like it or lump it' attitude.... tia
  9. has anyone else gotten a letter from them saying that they will not be able to provide yoru statements/charge details with the 40 days as they have received such high volumes of requests? It says I am within my right to complaine, but is it worth it? what happens if I do complaine?
  10. Has anyone else had a letter from Clydesdale saying 'that due to high volume of requests we have received in relation to this high profile issues, I regret that we are not yet able to provide you with the information requested' ??
  11. Letter from llyods dated the 25th feb. Thankyou for getting in touch with us. i am sorry you are unhappy about your account charges. Like any buisness, we do make a charge for some of our extra services. When customers dont't have enough in their accounts to cover a payment, this always means extra work - and it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we cant agree it. We feel its fair to charge for this service. Of course its only fair too, taht were completely open about any charged-for services before you take them up. Thats why we take care to give every new customer the latest guide to our charges. You can also get uptodate details about fees and borrowing rates at all our branches, through our helpline and on our website. (we help our customers avoid bla bla) You've mentioned the new guidelines from the office of fair trading on credit card default charges. We dont agree with the OFT's thinking on this and were still talking it through with them. But the important point is that the guidelines are about 'default' charges that people pay when they break an agreement with us. The fees we charge are for dealing with your request to go over your agreed overdraft limit are not default charges becauseyou havent broken your agreement. they are our prices for teh service we provide in these situations. I do hope you can see that we make our charging system as fair as possible - and why I cnat agree to cancel your charges. Please let me know if there is anything else i can do. If we cannot come to an agreed solution after this I will help you refer your complaint to teh financial Ombudsman Service for independent advice. (If your happy, file will be closed ect) Debbie Gilbert, team manager, customer service recovery centre Andover. *************************************************** Oh well I didnt know the charges were for a service they provide, that makes extra work for them.... wow it must be so hard for computer to go 'not enough money so no Direct debit, you can not be taken out!'. and isnt it cute how they are 'talking it through with them' over the OFT saying these charges are unfair! So, letter saying, 'Im a full grown woman, not an 8 year old', or just go ahead with court action?
  12. This is a biggie for us, we were in MAJOR MONEY DRAMA when we were with the Clydesdale, ended up passing all of our debt problems to trading standards and clydesale were one of the ones who were complete gits! Claiming a current account, (had an overdraft of £800 that jumed to £1300 incl charges when the debt got handed over) and a mastercard. Sent letters asking for summery of charges or statements 21st Jan. sent the two letters seperate with two cheques. got a letter on teh 25th returning one cheque (they must be processing them together, they were both in my husbands name) and asking husband to call in with ID and a signature! Which he did, the day we got the letter. The statements have untill the 6th march to turn up! tia, scotland also, all that debt, a whopping £13500 is now CLEARED!!! through sheer hard bloomin work!
  13. for us, Clydesdale is the biggie. But that account was closed over 2 years ago. We now bank with llyoyds tsb. Internet banking is great (when your not a victim of fraud for the sum £6320 while having a very hard pregnancy...) Saved myself the £10 fee and was quick and easy to find all my charges, they did it for me! Aint that great?! From 2002 it amounts to £216, not a very impressive sum, but im glad to say we have been a bit more money savvy than what we used to be! Letter asking for our money back sent the 19th Feb, now waiting for a reply! tia, scotland
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