Jump to content


Registered Users

Change your profile picture
  • Posts

  • Joined

  • Last visited

Everything posted by Dollydoo

  1. can't make head nor tail of it, however, I have been thru computer records & clerical records and can't find anything specifically mentioning "overpayment".
  2. Received the bundle from DWP today, its a minefield! I have her application which includes copies of her bank statements/savings etc at that time 2004. I have also found a letter that says "sorry to hear of the death of...... etc - our records show we owe her some money" goes on to ask who the money should be paid to and for their account number. where do I start?!
  3. No it wasn't suitable for a third party asking for a deceased person so I sent a letter clearly stating it was a SAR request and that they had 30 days etc. the only part I left off was that I would make a complaint. I sent it trackable delivery and so I know they received it. Does that really matter though, as long as they've received a request they should adhere to it surely
  4. Well I sent SAR which dwp received 13th February. Haven't received anything back yet. We're supposed to send in the financial details by the 28th March (if we don't they'll calculate any overpayment on what info they already have). Should I just sit and wait for their calculation or write to them beforehand saying we've asked for SAR and heard nothing so we take it there wasn't any overpayment after all.
  5. any advice on what would be the best way to word a letter?
  6. We've been through all the usual probate etc for my mum in law who died Feb 2018. We've now received letters from the DWP saying my late mum in law may have been overpaid an income related benefit. They say according to their records and those of the probate there appears to be a discrepancy and want us to provide all her financial statements covering 2003 - 2013. They've told us not to distribute any funds from her estate (which we had already as it all went to my husband, before we'd even heard from them). They've said they can work on the figures they have and calculate the possible overpayment but its best if we provide the information for them so they can make an accurate assessment. I assume the cheapest option would be to approach the banks with SARs? However, before I do this, can I ask the DWP to provide all the information they have regarding her payments of benefit and her applications for benefit because, to be honest, neither myself nor my husband recall filling in any forms for her (and its something we would normally do as she's registered blind). We do know she was getting a pension credit (savings based only) but we've no idea when it started or how she came to claim it - perhaps we've just forgotten as its so long ago. However, I don't want to just take their word for it so how best to approach this really, if anyone has any advice. I'm not trying to avoid any repayment (if one is due) but naturally I'd like to check for myself as well, if that makes sense. Any advice greatly appreciated.
  7. yes we appreciate the money laundering side of things - but how do you prove earnings going back to the 1940s?? that's beyond a joke. the bank statements should be adequate proof that the money has been saved over many years.
  8. Hi, my mum is buying a property (effectively in cash) using money from family members. large bulk of money has been transferred from her cousin who is 89 yrs old. Countrywide have had the building society account book to show her savings but then they said it wasn't old enough and needed to go back a few years and we've done this. then they said they wanted a letter stating the income and job of the cousin from when she started working as well as an account of her lifestyle to prove how she's accumulated her savings and we provided this but now this isn't good enough either, they now want details of the earnings of her dead husband (who died last year at aged 97)! We understand about the money laundering aspect but this is becoming increasingly ridiculous - even the tax man doesn't keep records going back that far! We've said we'll change solicitors but then countrywide sayif we do that we just have to start from scratch and we're supposed to be completing on 12th December. Bank statements from other members of the family have been accepted. has anyone got any advice, thanks. the sum involved from the cousin is £130,000 and will be a short term loan.
  9. I'm sure they'll try & skirt around that issue - but I'll phone in the morning and see what they have to say. Thanks message #3. Yes, The ticket was stuck to the drivers door window.
  10. My question really is, could I/should I still go to the furniture ombudsman but keep the furniture now?
  11. Sorry been in hospital. I have to say once I threatened BC with court action they phoned me! amazing really, every letter they responded to seemed to take weeks rather than days. They offered me the price of the desk as a one off gesture of goodwill. Because of the hospital thing, I decided to accept that. However, I did ask if it was possible to still complain about the store to the furniture ombudsman and BC seemed to think I still could. But with everything that's gone on, i'm going to use the furniture (still haven't had time to unpack it!) I don't think I have any evidence to go to court, otherwise I would. The shop no longer stock that range of furniture so It would be hard to get any evidence now, even though I know they weren't displaying proper leaflets/price tags. It was handwritten pricing on plain white paper in Perspex holders! I really appreciate everyones input and advice, and a free desk goes someway to help soften the experience. I do have my ombudsman forms completed ready for posting though - but if I proceed with that, I can't use the furniture can I? and I am becoming a bit sick of seeing those boxes in my lounge!
  12. I parked on double yellow lines in the hospital grounds, displaying a blue badge. Quite a distance from the entrance & main car park. I have received a parking charge notice issued by Colchester Hospital University NHS foundation trust. It states the t&cs are displayed at the entrance to the hospital and by entering the driver has agreed to abide by these t&cs and is legally bound by them. If I don't pay the trust can take legal proceedings and it says on the back representations should be made in writing within 7 days and gives the hospital address. I have breached 2 rules; parking outside a designated bay and parking on yellow lines. A staff member said I should just bin it as most people do but I am unsure and don't want to ignore it and have debt collectors turning up on the doorstep! Do I have to pay this charge? I have to say that there are no parking t&cs in the area I parked in.
  13. the latest response from BC is that they would like to reiterate that there are no documents to substantiate that the goods received were not as described. Therefore a breach of contract or misrepresentation is not established on the merchants part. I will be writing yet again asking them to clarify exactly how I'm supposed to prove this, other than give them my invoice, which clearly states Oak and the manufacturers description which clearly states some sort of chipboard!
  14. to be honest court scared me but also I don't have any proof other than what is stated on my invoice and what the manufacturer have now told me. Its my word against the shop staff. Is it too late to go down that road now then? I will continue to pursue BC though. It is frustrating that they take so long to reply but I am determined. I'm grateful for the advice, thanks.
  15. I referred to the fo form (I meant furniture ombudsmans form)
  16. I'm becoming increasingly infuriated with this saga! BC have sent another letter asking for a detailed report (see post 47). I cannot understand why the manufacturers word is not proof enough that the furniture is not oak. Anyone have any idea as to what I should do next. I'm going to start with completing the FO form - but can I complain about BC to the financial ombudsman? I feel like every way I turn I get hammered but I don't want to let BC off the hook so easily. and can I pursue it via the fo even though I'm still chasing BC?
  17. Ok, i'm still waiting to hear from BC, meantime I received this from the manufacturer: The Studio corner desk top is surfaced with a real wood veneer 0.6mm thick (oak) The substrate used will be a manufactured board material i.e. particle board which is virtually an inert material and is necessary for technical/construction reasons. The top covers a large area - if it was made from solid wood (which is naturally hygroscopic) it would expand and contract (approx. 8-10mm) and cause constructional damage. Solid wood is used on smaller component parts such as the frames because the movement is very fractional and does not cause constructional problems. I'm going to send this off to BC as well but again wanted your thoughts?! Thanks
  18. Hi, the man I am asking to help with an opinion is an expert in restoring antique & modern furniture. I just had a table restored by him and I'm waiting to see if he'll give me something in writing. However, meantime I thought I would contact the actual manufacturer - Bentley designs - I didn't think they would help but they have been very helpful. They explained, in an email, what the furniture is constructed of and referring to the actual desk top they have said: The man with the exact details is on holiday until the 7th April, however the desk top has an American Oak outer with the inner being made of various woods. I have sent him an email and put a note in my diary for when he returns and I will let you know. I think I will send this to Barclaycard and see what their response is. If this doesn't tell them that the oak desk isn't oak, then I don't know what will! Any opinions?
  19. No I didn't send another letter as I thought would be a waste of time - they pretty much told me they weren't prepared to do anything and that I should go to the fo as they were full members etc. I phoned trading standards who couldn't recommend anyone other than FIRA but they told me to go through the fo. I have an expert whom I've just used for something else and so I'm hoping he'll confirm in writing that its chipboard - knowing the way my luck runs however, I think he'll tell me its oak! Anyway I will hear from him on Monday, failing that I think I will just have to go through the fo.
  20. Hi, I've tried with the furniture shop, they're not interested and told me to go to the fo as they're full members. I've sent all details & info to BC and on one hand they said I should have checked the furniture before signing for it, now they're saying they want a report. I assume that BC will have to refund if I can get expert clarity but I will speak to the fo today as well and see if they can recommend someone locally. Thanks
  21. I'm going to try and get an expert opinion (local restoration company) hopefully who'll be willing to giving me something in writing. If that fails I'll be looking at the furniture ombudsman. I'm still going to write back to BC and ask them why they now want me to supply a report though considering I've not complained that the furniture is defective, I mean would they really want a report from me if I'd ordered glass and received wood? etc. I'll post as soon as I have any thing further, grateful for all the advice. Thankyou.
  22. BC latest reply is saying that in order to make a valid claim against BC under sec 75 of the consumer credit act 1974 it would be necessary for me to prove breach of contract or misrepresentation by the supplier in a debtor-creditor-supplier agreement. for BC purposes they needme to provide them with documentary evidence as proof that such a breach of contract or misrepresentation occurred. In order for BC to make an informed evaluation of my claim they want me to provide them with a copy of the Independent Assessment report for the goods which confirms that the goods have manufacturing defects from a suitably qualified professional to prove my claim. They go on to say that it has to be on headed paper, detailing problems encountered limited to the original specs on the original contract/agreement. please ensure a specific breakdown of any parts and labour is provided. If I need any assistance in obtaining this I will need to contact Trading Standards/Citizens Advice. I am a bit dumfounded really. Why didn't they tell me this in the beginning? Are these reports expensive? and why do I have to get one if the goods are not defective?
  23. Hi, this is what I have so far - if you wouldn't mind having a quick look and let me know if there is anything I can add or change would be grateful. As you are fully aware, under Section 75 of the Sale of Goods Act I am entitled to reject certain goods as being “not as described”. I have done this, within a reasonable timescale, I have provided Barclaycard with sufficient proof that the said goods are not as described and it is therefore Barclaycards responsibility to refund my money under the Chargeback scheme, the rules of which you subscribe to. Surely the checking of goods when they are delivered is really to ensure there are no obvious visible damages and that largely, one has received the items one expects, for example, if I ordered a bath I don’t receive a sofa! Furthermore it was noted on the delivery note that the goods were “unchecked” and this was in fact, suggested by the delivery man. Do you really expect customers to hold up delivery vans whilst trying to check goods not only for damages but also to see what they’re made of? It wasn’t even obvious to us immediately and we only noticed it on closer inspection at the point when we were about to build the desk. Should we have asked the delivery men to wait indefinitely whilst we put the desk together? What an absolutely ridiculous idea. I suspect that this is not a valid reason for refusing to refund. I bought and paid for Oak furniture. It says this on my invoice. I have not received Oak furniture I have received furniture made of chipboard or similar and covered with an oak veneer. This is clearly not as described and you well know it. Please issue my refund and arrange for the collection of the furniture without further delay.
  24. Hi there, at last a reply but not in my favour. BC are saying that they cannot help - "as per the merchants Terms & Conditions, the goods need to be checked at the time of delivery. You were required to check the goods before signing the documents. As this was not done, we would not be able to establish a breach of contract or misrepresentation against the merchant". Firstly, when I did sign for the goods, I wrote unchecked on the document (although I did this in case there was any damages not for the purposes of it not being made of oak!). Also, I thought one had a reasonable amount of time to lodge a complaint?! Advice very much appreciated.
  25. I've just received the response from AHF head office and they're stating that the goods delivered to me are as displayed in the store (as already stated in their previous email). They have spoken with the manager in the store and he confirmed that I inspected the furniture very thoroughly, (I looked it over as you do, I didn't upend it or take screws out etc.) It is therefore with regret that they cannot progress this matter any further. They go on to say that they are full members of the ombudsman and will stand by any decision they award! Barclaycard want me to send them the stores terms & conds. and any proof I have that the furniture isn't as described (how do I prove that?).
  • Create New...