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About Bazza66

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  1. So 10 days later after a recorded delivery letter they have not responded. They are obviously just ignoring the "problem". So where do I go next? My initial letter was polite and just requested that they replace the part (well another company to do the work and invoice them - don't want them getting hold of my laptop during a "dispute") under the SOGA. So nothing major. Do I write as a formal complaint? If so where can I take the matter higher after that? Thanks in advance Barry
  2. Many thanks for the speedy reply. Having briefly scanned the SOGA it certainly looks like they do not have a leg to stand on. I will print that off later and try and digest some of it. I am right in thinking that keep everything in writing? Thanks again Barry PS Yes I am feeling a lot better - very kind of you to ask.
  3. Hi all, I really hope someone can help with this. Last year (approx Sept/Oct) the Blu-ray player on my laptop became faulty. Since it was under warranty Samsung got hold of a company to contact me and arrange collection and repair of my laptop. The came and it was returned a week or so later. Great I thought except the Blu-ray drive was replaced by an inferior drive (only a DVD writer). After several weeks/months with the repair company - Digicare - who kept replying to my emails that the manager will call me back. He never did. I escalated this to Samsung who said they would be
  4. Many thanks GG. A very good thread. Regards Bazza
  5. Excellent thread. I have today emailed Equifax about several entries on my report (table 1 searches by 1st credit and MH). I shall look forward to their replies now I have read this thread. Will try and keep you posted for the benefit of others.
  6. Apologies for bumping an old thread but this is the nearest I could find to what I am trying to achieve. Have looked all over the place and cannot seem to find a definiative answer to this. I have recently just checked my credit file with Equifax and found 2 table 1 searches (ones that DO affect your credit scoring). 1 for Mackenzie last month and one for 1st Credit back in 2009. This was because I had just recieved a letter from MacKenzie about a debt they are pursuing on behalf of Intrum Justitia (who also wrote at the the same time but with different amounts of balance - are they the s
  7. Many thanks all. That was exactly what I was thinking and found out from this site but nice to have it confirmed. Again thanks. Bazza
  8. Hi, I am looking this all up for a friend (honest!) who has been issued a ticket for causing an obstruction. This is the story so far. She was parked in an hospital car park (private company) which is normally crammed full of cars at visiting time so she had to park on a grass verge near the ticket machine as do many other cars at peak times. On her return she found she had a ticket on the car for "causing an obstruction". She ignored the ticket and never paid. She has the original payment receipt for parking - the one you show in your window. Now recently she has had letters fr
  9. Hi - just found this thread since I got the same letter from MDB. Interesting. I have sent a CCA request to the freepost address (did this before finding this thread) so what are the chances of them receiving it? From what I have read its a false address. So what do I do next? Just wait until the "signed for" letter comes back to me which would prove the address doesnt exist? Or do I send one to "dlc" knowing its actually them in the first place? I did send a "prove it" letter to dlc months ago and heard nothing back until this MDB letter. Any help would be gratefully received.
  10. Sorry for delay - I thought this forum would email me to say there was an update to the thread but I never get them. Anyway thats something else. Thanks for the advice - have looked around and its does seem very expensive. I dont wish to progress and make a career out of it (I already have an established career in IT). I just wanted to get a grounding in Law as this could prove useful in life generally (and I love learning new things). I have looked around and will probably just go for a GCSE in Law so I can get the basics and will give me a general idea if I like it or not plus t
  11. I also got that paragraph in a letter 1st sent to me. Full letter is -- Another letter from 1st Cretins today. --- Thank you for your lettr of 23 Feb 2009 of which contents are noted. (this was my 12+2 letter) I can confirm that we received your request for the original copy of agreement to which I enclose a further copy with terms and conditions, originaly sent to you on 4th March 2009. You are correct; we are required to provide a copy of the agreement requested under the Consumer Credit Act within 12 working dats. It is also correct that if the default of the credit
  12. Hello, Might be posted in the wrong area but if I wanted to study law (part time) and in the area of debt collection what category would it come under? Or if anyone knows of a course that would be more helpful. I am guessing it comes under consumer law? Apologies if this is posted in the wrong area. Thanks in advance
  13. Many thanks for that! I will also try and drag it out as long as poss but I am not sure whether a payment has been sent to them or not in last 6 years (I was on a DMP about 4 years ago). Maybe I should SAR them which would tell me if any payments made. At the end of the day I had the overdraft - I was led to believe that HSBC had written it off... until Lowell-life started writing - if I still do owe the money then I wil gladly pay it BUT only to the people who actually own the debt. Anyway if the bank charges reclaim goes through then it would only amount to about 50 quid at the end any
  14. Hi All, Great forum - has helped me massively with CCA requests. But I have a problem with Lowell and an old overdraft. Last Aug Lowell-life started the "lets keep our postman busy" campaign with letter after letter requesting payment. I CCA'ed them and they replied with its a bank overdraft so not CCA applicable (fair enough). Now not wanting to shell out any money to anyone who asks for it I wrote to them with the "Prove it" letter. A month passes and they come back with 16 pages of internet page printouts of my last few statements. The statements only bear my name a
  15. I had CCA request with Lowell-Life for an Egg account. They also offered me the 60% discount and then guess what - they finally replied with "Due to the age of the debt Egg can no longer retrieve CCA from archive". Which I read as Egg have said "Get Stuffed - we've sold you the debt and we cant be arsed to keep looking up records for you so RASP!!!!".
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