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stuartino

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About stuartino

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  1. Hi Jack, That's what I thought having read Buzby comments in some of the other theads , I was just hoping that something would crop up. I advised my daughter not to get the phone, she is a bit headstrong and did it anyway. The folly of youth. If anyone else has any info, I'd be very grateful. I appreciate its not looking good!
  2. Started my own thread, apologies for hijacking. http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed-internet/254946-phones4u-wont-cancel-contract.html#post2867266
  3. Hi there, I have just tried to return a phone to Phones4U customer services that my daughter got on contract from a retail store on Mar 28th less than 7 working days ago, they are refusing to allow her to return it under any circumstances. I have seen mentioned a 14 day cooling off period, where is the legislation for this? They say this is wrong, there is no cooling off period for bought in shop contracts. She is returning due to poor reception. I am happy to start my own thread just want to look at the legislation. CAG user: LOCTUS said "Contact the network who will release your d
  4. @Buzby I have just tried to return a phone to customer services that my daughter got on contract from a retail store on Mar 28th less than 7 working days ago, they are refusing to allow her to return it under any circumstances. You mention above a 14 cooling off period, where is the legislation for this? They say this is wrong, there is no cooling off period bought in shop contracts. She is returning due to poor reception. I am happy to start my own thread just want to look at the legislation. Thanks
  5. I have waited 20 business days since my S78 was delivered, I have had no response from Lloyds at all. Whats is my next step? I still think that like CapOne they will say as there is no outstanding balance, they will refuse my request anyway, shall I just SARN them. I know I can see if the postal order has been cashed, should I send another letter, if so what one. I can see in the other threads that Lloyds are not replying to lots of other people. I was hoping somebody might have answered one of my earlier posts. Thanks Stuartino
  6. Is it a trick? Recently CapOne refused to send me the S78 info that I had requested, they sent me a £1 cheque to reimburse me for the postal order. I put the cheque in my bank account. I then sent them a SARN along with a postal order for £10. However yesterday they sent me another cheque for £1 again? I now don’t know what to do, cash it and think no more about it. Take the moral high ground, return their cheque and write and say that I would never dishonestly take money from them. Or is it a trick to get me to phone? So that I make sure that they are still processing my SARN? Or if it all
  7. Am I right in thinking there is no point in sending registered delivery to PO Box, there's no-one to sign for it? I have been using the Trent house address as that is what the CRA gave me.
  8. Sorry I didn't make that clear, ask them if that is THEIR final word.
  9. You do have to write back! just say is that your final word on the matter?
  10. You need to be careful with these offers to pay a discounted settlement figure. There is a thread on the capital one thread, which explains that even if they offer to accept a final figure, once you have paid it they can still come after you for the balance. The guy seemed to know what he was talking about. I'm still waiting for Lloyds to respond to my s78 request.
  11. In my other ongoing thread I have received a letter from CapitalOne saying that as there is no ouststanding balance, they do not have to send me the default info that I requested in my first letter S78. As there is no outstanding balance here either should I just wait for the Lloyds letter, or just do a SARN now? Although I sent both first letters together the Lloyds one took over a week longer to be signed for delivered? Should I wait and get the same letter from Lloyds or pre-empt this with my request? http://www.consumeractiongroup.co.uk/forum/capital-one/246564-stuartino-capital-one-d
  12. Thanks for your advice, I have sent the template SARN and £10 postal order lets see what that brings.
  13. Hi, there was no debt outstanding as I paid the default amount. I only paid it out of naivity. I was trying to get a mortgage, and they let me believe that by paying it off, it would not be in default. So I paid it without questioning how the amount (£150ish) got to their figure. I really needed it sorted to quickly to get the mortgage. Obvioulsy I didn't get it! we lost the house we wanted. And had to revise our max spend. Any comment on how long it will stay on my account, from default or close of account? I honestly believe, I settled a final agreed figure with them, then due to some small
  14. I have had a reply from CapOne refusing to send me the documents that I requested. Here is their reply: "Thank you for your recent letter requesting copy documents for your account. You requested copies of the executed credit agreement and a statement of your account under section 78 of the Consumer Credit Act 1974. As you may be aware, you brought your balance to zero with a final payment of £1**.** on the ** October 2006. You subsequently requested the closure of your account, which we completed on the ** February 2008. Where there is no sum which is, or will, or may
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