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About rune

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  1. Thanks Andyorch. Could, however, an insurance company that supplies a new item as replacement, in the original packaging, be considered a retailer in this circumstance? They did, however, supply the goods to me, the consumer. I suppose we also have the issue of the selling of the insurance policy to me... Confusing! rune
  2. Thanks Andy Apologies for posting in the wrong place.
  3. Hi everyone, I am looking for some advice as to the application of the Consumer Rights Act or other relevant legislation to insurance replacements. The situation is as follows: I had an iPhone replaced under insurance in March of this year. It was replaced with a brand new, sealed unit in original Apple packaging. The phone has developed a fault 5 months after receiving it. On contacting Apple, they advised that they were not the retailer and that I should contact the people I got it from and request a replacement under the Consumer Rights Act. Apple did, however, completel
  4. Hi BankFodder, That was what I thought to, but always best to get another opinion. I am concerned that the same solicitor's firm might at some stage seek a CCJ against me. It's one of these big groups that does all sorts of debt and legal work. I'd rather us my local solicitor whom I have used before but the insurer wants to use their own solicitor. Now I had to decide whether I'm better off using the insurers solicitor or the reputable company down the road who are about 10 mins walk from my house! Thanks
  5. Hi, My 9yo son was injured on holiday and my travel insurer wants to use a solicitor for the personal injury claim that happens to be part of a group which also collects debt and I have had some dealings with. Can anybody tell me, if this solicitor secures compensation for my son's injury, if the company can then retain it against my debts? Many thanks in advance! rune
  6. Just to update the thread - I filed the defence and nothing further has happened, so I can only assume that the other party decided not to pursue the matter. Thanks again for all the help.
  7. Done! Very many thanks for your help! What is likely to happen now? Is it usual for them to continue to pursue it in this circumstance? rune
  8. Last payment confirmed as April 2009 - over six years before the date of the claim
  9. Default date was apparently 12/2009 - as per Noddle. I am currently trying to get information from Ambrose Wilson.
  10. Date of issue: 06/08/15 Timeline: 06/08/15 + 19 = 25/08/15 + 14 = 9/9/2015 nope 33 days is 7th sept Particulars of claim: 1.The claimant claims the sum of 15xx.xx being monies due from the defendant to the claimant under a regulated agreement between the defendant and AMBROSE WILSON (xxxxxxxx) and assigned to the claimant on 13/01/2012, notice of which has been provided to the defendant. 2.The defendant has failed to make payment in accordance with the terms of the agreement and a default notice of which has been served pursuant to the Consumer Credit A
  11. I thought I had 28 days from the acknowledgement - have I made a mistake? I was under the impression I needed to submit by the 16th of this month.
  12. I have not submitted anything to the solicitor yet. I am checking credit file again now, but I am sure it's not listed when I checked it last.
  13. Claim issued: 06/08/15 Claim acknowledged: 19/08/15 acknowledgement received: 20/08/15
  14. Hi mikeymack2002. Thanks for your swift reply! I don't know when the last payment was for sure, hence the reason for needing to CCA and request history, but I am 99% sure it was over six years ago. Two Letters were received after sending the CCA that appear to follow the standard "pathway" of trying to get payment, threatening action, etc, with no acknowledgement of the CCA whatsoever. The first one was a request to contact and make an arrangement, the second was the threat of court action if a response was not received. CCA was sent 13/04/2015. Signed for
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