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About Frankie001

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  1. Good morning I'm really after a bit of confirmation, it's a quick and easy story. We bought a new mattress from Tesco Direct which was delivered yesterday. However, they delivered the wrong one, I don't know if Tesco supplied the wrong one, or the courier delivered the wrong one and to be honest I don't really care. The point is, they took our old one away, unpacked and placed the new one. After they'd gone, and looking closer at it, I realised it was the wrong one, the one we ordered was a memory foam topped one, this is a really firm orthopaedic one. The delivery note has a code wh
  2. Thanks, yes better place on reflection, but when I searched this area came up, so I just went with it.
  3. Thanks for that, but it seems to just be guidance to HMRC and how to collect. I've had a poke around the HMRC website and there doesn't seem to be anything particularly helpful, except if you're a collections person!
  4. Hi everyone I'm hoping someone can help, I'll try to be as succinct as possible, but obviously as this involves HMRC it's not easy! We bought a cafe in 2007 and sold it a year later, in that year we were registered for VAT (as the previous owners were) but our takings never went over the VAT limit, annoyingly we can't de-register retrospectively so although we did de-register, we were lumbered with a quarter and a bit. Total owed £1200 (not quite Vodafone eh!) anyway, I wrote to them in 2008, when the cafe was sold asking for time/help with paying as we had made a loss and had no mo
  5. I'm going to keep this simple as my longer posts don't get any replies! We got a second hand car from a dealer in June, it's broken down three times, now it is off the road completely. Dealer was NOT helpful, and refusing to pay for repairs. We've done all the correct process so far, but considering the car cost £750, and so far repairs have cost £400 plus another potential £800, we now want to reject the car. My question is, after two months but much to-ing and fro-ing with the dealer, are we still entitled to ask for a full refund? Will we also be able to claim for the repairs.
  6. I'm bumping this because no one actually answered my later question. If the default notice is invalid, does this mean I can get it removed from my credit file? Also, what actual point is the SAR letter? Information is one thing, but how would I then use that? This went on hold because we moved house.
  7. I hope you don't mind me butting in on this thread, we're in a similar situation. Bought a second hand car in June which has now broken down 3 times. 1st time was 3 days after purchase which turned out to be a flat battery since it's actually the wrong battery for the car. 2nd time was 2 days after that, fuel pump and coil packs needed replacing. The battery wasn't a big deal, we got rescued and sent on our way, but the other one was £150 repairs. Before we got the repairs done we spoke to the dealer who refused to collect the car so we agreed to get the repairs done and they would pay, a
  8. All sorted, thanks for the quick reply. The link helped me sound more knowledgable on the phone which seemed to do the trick.
  9. Hi, need some advice. I'll try to keep it short. Basically we bought a second hand car from a dealer, which has broken down after 5 days. The roadside repair bloke couldn't, and it's being towed to a garage. Now, the receipt from the dealer says 'sold as seen' but if I've got it right that doesn't count as it wasn't a private sale? I don't want a big fight with them, but I'm fed up with being the nice one and being taken for a ride ('scuse the pun!) Can someone please point me in the right direction to the definitive answer on the sale of goods act and used cars. Many thanks
  10. Hi, thanks for the replies I've hunted down the default notice and you're right, no date to rectify, all it says is that 'default information will be registered 28 days from the date of this letter' Is this just an Abbey mistake? What should I do now? Does it mean I can have this removed from my credit file? Yes, there are a lot of charges in this, and in fact after I got this notice the balance jumped by about £900 and I don't really know why (even though I queried it enough times back then!) That's the part I wanted to query with Santander now, but I might put that on hold for
  11. Hi, thanks for the quick reply. I sent the Income and expenses because it's worked with all the others. It's a slightly exaggerated one, and gives us a chance to save. I want eventually to pay these debts off with a full and final settlement. I can't dispute that I owe the money, although if I'd actually been able to get bank charges back they'd owe me, a lot! But that's a different moan. So I'd rather just quietly pay a small amount each month and eventually clear it completely, shouldn't take more than a year or so. I will be getting in touch with Santander though, thanks for the
  12. Hi there I'll try to keep this brief! We had an Abbey bank account with an agreed overdraft which defaulted back in 2007 at a very difficult financial time. After a fair bit of to-ing and fro-ing they just seemed to drop us, fine I thought, I'll see how long this lasts. Well it lasted until last week when we had a letter from Wescot demanding the money, I've written to them with the usual stuff, income/expenditure and an offer, the same offer everyone else has accepted, so we'll wait and see. Now that's not the problem (yet) basically, without going into boring details, I don't agree with
  13. Hi all Is this letter still valid? It's great, I'm going to keep one handy. Strangely not for Asset Recoveries, but for another one driving us mad, which I'm not going into here, I think I have it/them under control (can't say the same for my temper, ha ha!) Anyway, I do have experience of this lot, very similar story to many of the others, repossession, shortfall, NHL, L.O.M. etc. We happily (well, grudging but accepting) paid an agreed amount from 1992 to 2007, at that point we had actually paid the amount they had ariginally said they would have accepted as a one off to clear it
  14. Hi all out there, I'm hoping for great things from this forum. I've done all the letters for claiming back bank charges, and needed advice on making the bank look at me as a hardship case. After searching here, I've got the letters ready to post tomorrow, so thanks for that. I've got some other things going on that I might need help with, but I'm going to have a search first, don't want to repeat something that might already be here. Thanks again, great site!
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