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ritchieis

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  1. Hi rebel,Thanks for your response. Unfortunately the oven is 14 months old purchased in Nov 2010. I belive I still have rights and can ask the retailer to repair or replace. However I understand they can ask me to prove that the fault with the oven has been there since purchase? My response to this would be that it has been used correctly, not over used and never mis used so it therefore must have been a fault at time of purchase. What are your thoughts? thanks again.
  2. Hi, please can you review the following and advise if I understand my rights correctly and am taking the correct course of action. Many thanks in advance for your help in resolving this. Appliance: New World Gas Cooker NW70G 70cm conventional gas oven/ grill. Purchased from fires-cookers.co.uk aka Gas Superstore Ltd, 64-72 Hinckley Road, Leicester LE3 0RD Cooker purchased in Oct 2010 for £395. There was a 1 year warranty in place. On 15 Jan 2012 the grill malfunctioned causing extreme heat to burn the entire front fascia melting the controls and rendering both the grill and oven unusable.The front panel was so hot that it burnt my hand on contact and had we not been quick to notice the problem it could have potentially got out of hand and caused serious fire damage. I contacted the trader in the first instance who advised that as it was after the 28 day purchase period they were not liable and I should direct my enquiry to the manufacturer. I called the manufacturer who advised that as it was out of 1 year warranty they would only repair if we signed up to a 1 year extended warranty at the cost of £168.My position: Under the terms of the Sale of Goods Act 1979 the trader has a responsibility to repair or replace the cooker because it is faulty. The Act states that should a fault occur within a timescale considered to be less than what would be expected (can be up to 5 years), given the cost and extent of usage, then it is their responsibility to repair. Due to the cost (£395) and limited amount of usage (1 year 2 months). The trader is responsible to repair/ replace the unit free of charge.The fault is not due to wear and tear as we do not use the grill very often, maybe only once or twice a month. Also an oven of this cost should last for years. Our last one managed over 10 years with no problems.As this is not due to wear and tear and because there was no misuse the fault can only be due to an inherent fault and therefore the traders responsibility.Should the trader be unwilling to meet his legal obligations then I can contact consumer direct and commence proceedings at the small claims court. Thanks again, ritchieis
  3. Hey, thanks very much for your response. I will send off this letter. Would you recommend moving current accounts to another bank before this action in advance of RBS potentially getting shirty?! Ritchieis.
  4. Hi All, new to all of this so any advice/ opinion would be much appreciated. I have a long standing loan with RBS which was the culmination of 2No. car loans (subsequently written off) as well as numerous consolidations of other debts. I have been paying off the loan for approx 5 years and presently have £17k still to pay (inc interest). Obviously like most people I would love to get rid of this if at all possible, or at least have the interest frozen or reduced. Firstly, should I write to my RBS branch to request sight of my most recent CCA which would have been circa 2004ish? Secondly if I did commence an action by requesting the CCA could i stop paying anymore monthly repayments until such time as the action was agreed as compliant or non compliant. And if I could stop the repayments would this mean that no interest would be payable over this period? Thirdly, If the above was the case, there would be, in theory nothing to stop me saving monies in a third account (such as an ISA i.e. First Direct 7% AER) for the period of inactivity whereby i could then use this saved monies to pay off the loan excluding the interest frozen, plus the interest gained on the 3rd account. Do you think that the above would be possible or would RBS look to hit me with all the retrospective interest payments for the period that the loan was in dispute?? Finally, the loan which I hold with RBS has no penalty for early repayment of the full amount so I do not see this as a seperate problem. Thanks very much, would appreciate any comment from, what appears to be, a lot of well informed and intelligent forum users. Regards, Ritchieis.
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