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About Chancerz

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  1. Excellent... Thank you
  2. Hi All, I recently used a friends address to get a phone contract. A few days after getting the contract he received a letter for me from Hoist Finance Holdings 1 Limited. The letter was in relation to an old credit card debt. I have not had contact with any party regarding this debt for over 6 years. I have not made a payment of any nature or been in contact with the debtors for that period of time. The debt does not show up on any credit reference agency sites. As far as I'm concerned the debt is statute barred and HFH1L are just trying their luck. Should I write to them with
  3. That's fair enough! It is hard however to get a freezer into a integrated unit and level it up properly without pulling it in and out again etc… With regards to checking the items - they were checked upon delivery. When i told Kutchen Haus they had delivered the wrong item they took the item code and it matched the code in their system. They then said that the item code was incorrect on their system therefore their mistake! I totally understand your point of view. I guess i may just have to sell it on ebay. However it is annoying.. if they had delivered the correct items in the
  4. Hi, I hope someone can shed some light on this situation. We bought a new kitchen from a company called Kutchen Haus / Nobilia. My kitchen fitters began to fit the kitchen without too much problem bar a few missing parts. When it came to fitting the integrated fridge and freezer thats where the problem begins. My fitters unwrapped the freezer and fitted it into the unit and discarded the packaging. When they unwrapped what they thought was the fridge they realised it was actually another freezer! The second freezer was a better freezer so we decided to keep that and purchase a
  5. Hi, Just thought i would give you guy's a quick update… I have not heard anything at all from Bryan Carter / Lowell. The case seems to be well and truly parked! How does this work in terms of statute barred? Because contact was made does this mean the 6 years starts again? Thanks CZ
  6. Thanks Andy, so it's a waiting game now! Will update accordingly… Thanks again
  7. I have just spoken to Bryan Carter sols who offered me a reduced figure of £2200 unfortunately i could not agree to it due to my financial situation. I made them an offer which they refused, so it looks like the case will be proceeding to court. What happens from here? Do they still have to send me a copy of CCA and respond to 31:14? If they do not produce a copy of CCA to the court i'm assuming this will look bad on them? The court papers state that the claimant must contact the court within 28 days after receiving a copy of my defence. After that period has elapsed, the claim
  8. That could be an option however i do not have a regular income as i am unemployed at the moment. I will speak to them today to see what they offer and update accordingly. My only gripe is that i do not recognise Lowells and never entered into a credit agreement with them which is why i don't really want to pay them anything. The credit card i took out was in early 2000's. I remember taking out PPI then being made redundant from my job and them not upholding the payment protection which put me in financial difficulty. I am not sure how strong my case is in getting this debt quashed
  9. Thanks again Andy. The problem i've got is that i don't have any money so unless they agree to accepting a tenner then i guess it will proceed to court! I am assuming that the defence i submitted at the end of last year will be used and I won't have to beef it up or add to it?
  10. So, i should call them then? or would it be better to write to them so everything is documented? Thanks again… I just want to make sure i am doing the right things in the right order
  11. I don't know! What should i do under these circumstances? I was reading the "sticky" regarding mediation… Does that apply in my case?
  12. I have finally received a response from Bryan Farter which goes a little something like this: We are writing to formally confirm our Client's intention to proceed with this matter. We will send notification to the Court shortly but before we do so our Client is prepared to enter into negotiations to try and achieve a solution whereby both parties avoid further costs and expenses, and if necessary to mediate. The Court encourages this type of negotiation between parties. Please contact our HELPFUL team on 0845xxxxxx to discuss how we can come to an arrangement by consent. We
  13. Happy 2015!! Just a quick update - I received acknowledgement from the court dated 29/Dec/14. They say that the claimant may contact me directly to attempt to resolve any dispute and if the dispute cannot be resolved informally, the claimant will inform the court (within 28 days) that he wished to proceed. The court will then inform me of what will happen. After the period of 28 days the claim will be stayed (not sure what this means?) the only action the claimant can then take will be to apply to a judge for an order lifting the stay. As advised p
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