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About chrismillard

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  1. I purchased a bag for my Wife from Debenhams (through Amazon.co.uk) for an anniversary present. The bag arrived damaged, and I immediately informed Debenhams through the claims option of the Amazon portal. I was emailed back fairly quickly to say that because I had ordered through Amazon that they couldn't send a replacement and that all they could do was provide a refund. In light of this, I returned the bag, and ordered a replacement (directly from Debenhams.com this time). The bag was received by Debenhams on 9th May. Today, 14th May I got an email through Amazon to say that the r
  2. In May of this year, two searches of my Equifax credit file were made by the Lewis Group - supposedly a debt collection agency. I ignored the searches, and a couple of months later, the searches were removed. This evening, around 6pm, I received a phone call from a pleasant sounding lady asking for me by name. I asked who was calling, after confirming my first name only, she said she was from the Lewis Cabot (or something that sounded similar, but did not sound like Lewis Group - I only got Lewis Group from looking up the number that called me). She wanted me to con
  3. I've asked BT to remove the 1571 service (since MH are the only people to leave me messages anyway), and I guess I'll reply to MH IF they ever write to me.
  4. A company called MacKenzie hall have left at least half a dozen messages on my 1571 service since sometime in November. I rarely use my home phone, so I only noticed them yesterday. I looked up the number, and the company, and they look to be a debt recovery company. I signed up for a 30 day trial of the credit reference agencies, and can see that MacKenzie hall have made a trace search on me! I do have debts (who doesn't) but they are managed, and all in good shape - the reference agency information all appears correct with nothing untowards showing. So, this morning
  5. A follow up. I've been in touch with the retailer. They have been in touch with the manufacturer for the history report. The manufacturer told them that there was no defect on the original fire (which is amazing since the power button melted and literally shot out). They have also informed me that I have to pay for an independant report on the manufacturing defects of this fire before they will even agree to a refund, and if the DO agree, it will be subject to a depreciation charge of 20% per year (pro rata) from the date of purchase - which to me sounds awful since it was first reported
  6. OK - but the retailer informed us to contact the manufacturer directly as it is outwith it's 1 year warranty
  7. Just to confirm, I have found the original purchase details, and we ordered the fire on 17th October 2009, it was delivered in November 2009, so we've now had 3 faulty fires within 2 years and 2 months !!!
  8. Hi - I've emailed the manufacturer this morning with the photo's, and I'll see what they have to say. In the meantime, I have contacted Consumer Direct to report this safety concern. It also concerns me to see that KandCo are STILL selling this fireplace despite having reviews on their website from other consumers who have faced the same issues!
  9. The story. We purchased a "BeModern" electric fire and surrond through what was Great Universal and is now K&Co. Within the first year, the fire broke - the power switch, which is right near the heating element, got so hot, it melted and the whole rocker switch literally one evening shot out of the fire! Great Universal contacted BeModern and arranged an identical replacement. In May 2011, this second fire had to go back because it started arcing across the heating element! We got a third identical model. Now, 8 months later, this third fireplace has suffered almost the
  10. OK, I am going to apply for an SAR. I have spoken to the ICO and they cannot help me because I cannot prove that the default is incorrect. I've kept all of my old bank statements, but because I haven't kept the old mobile phone bills and because neither 3 nor Lowell can provide them, I cannot prove my point. So where now? I think that this is HIGHLY unfair that I can have a default based on what is essentially non-existent information!
  11. In March 2009, I received a letter for Lowell's telling me that I owed £114 for a Three mobile account - the debt dated back to 2005 (Lowell bought the debt). I queried this with Lowell, and they basically told me that if I didn't pay it that legal proceedings would commence. I paid the amount in full within a couple of days as I didn't want any financial / credit problems. I now have a default (satisfied) showing on my credit file. To date, neither Three or Lowell have been able to provide me with evidence that I owe any money. I have requested copies of the last 6 months of b
  12. Well here goes. I rejected Barclays "generous" goodwill offer of £1000 and have decided to try court action to regain the £6k+ that they owe me! I admit that I am dead nervous about the whole process - especially since £1000 is well over a months wages - I must be mad! Anyway, I have taken the plunge. The N1 is complete, the cheque is written and it goes in the post today!
  13. OK, I sent a letter to Barclays stating that I would only accept £1000 as an interim payment. They have since written back saying that their offer was a goodwill gesture and was offered as full and final payment. They are still offering me the £1000 but say that they will not increase their offer. Obviously, £1000 is not peanuts, but it does not compare to the £5000 I am trying to reclaim. Is this a standard response? Do you suggest I take the £1000 and "run" or would I benefit from continuing? If so, what steps do I take next? Many thanks Chris
  14. Hi - sorry for my "vagueness". Here's the history so far. Having read the article on the Motley Fool website, I requested copies of all of my statements for the previous 6 years, which Barclays sent me. I worked out that all of the fees came to over £4800 (without interest added). I wrote to Barclays using the preliminary letter template, asking them to pay back the money that I felt they owed. They initially responded with a letter saying it was being looked into, and they enclosed a complaints proceedure leaflet. Next, I received a letter stating that they are "sorry to
  15. I apologise in advance if this has already been answered, but I'm accessing the net via a mobile phone and it's horrendously slow and expensive! I've had a letter back from Barclays offering me £1000.00 as a "goodwill gesture" - this is much less than my calculation. I want to decline this offer and try and get the full amount. Is there a letter template for my next step? I couldn't see one in the template library. Also, do I enclose a copy of an N1 form (before I file it obviously)? Your guidance would be appreciated. Thank you.
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