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Cassie 1982

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  1. I agree, my previous bed lasted 8 years and was passed on to someone else when I took the Brighthouse one. I am just thinking that this isn't going to be a simple process, with me requesting refund and them giving it!
  2. Hi there, I am after some advice regarding an agreement I had with Brighthouse. I have 3 agreements out but the one I am having problems with is the bed. The centre post snapped on the bed around August this year. I informed brighthouse of this one Saturday when making a payment. They said they would have to order in the part and would let me know when it was in. I heard nothing from them and would ask every week I was in and was told every time, there are no notes on the system, so parts not in. About 3 weeks ago, I got totally fed up with this and spoke to the manager who said she would arrange an emergency repair. Heard nothing and the following Saturday I went in and told them to uplift the bed and cancel the agreement. The assistant told me that someone had been to my house to repair the bed on the Thursday and no one was home. Not surprising since they failed to tell me that anyone was coming! I arranged the uplift of the broken bed for today. They have just been to collect the bed and on the notes I had to sign it said " Bed to be uplifted as we no longer deal with supplier so unable to obtain spare parts for repair" So really I would like your advice as I feel I should be due back all the payments I made on the bed since August, as I have been unable to use it since then. It seems to me they had no way of actually repairing the bed if they no longer deal with the supplier! Do you think this is reasonable and who is the best person to take this up with? Thanks in advance:)
  3. Sorry I haven't been back before now. Thanks for all the help everyone. Have sent them off a letter telling them they are talking balls! Will post up the agreement as soon as they send me a legible copy.
  4. The original agreement we took out had PPI added. About a year later we asked for our payments reduced as we were struggling and we were told to come to the office to sign paperwork to agree to this, but they actually done a rewrite on the loan and the new agreement has no PPI added.
  5. Thanks for the reply. I requested a CCA and got back a copy with tiny figures which I could not understand, they have said they are trying to locate a legible copy. Harrassment letter has been sent many times and said they would comply with this for a month to allow me to reply to the letter I refer to in the OP. I really need to reply to them with some solid facts about why accounts can be placed in dispute even though they are not a bank. When you say get a claim going, can you clarify what you mean?. I have no PPI on this account because they re wrote the account and removed it
  6. I would really appreciate any help you can give with this guys!! Really have to send them a letter asap, they have started the phone calls again!
  7. Hi all We have been in in dispute with Welcome since the start of the year with letters going back and forth all this time and nothing really being resolved. We took some advise from these forums and have been arguing the toss with Welcome but could do with some more advise about a letter we received from them, supposedly responding to our complaints, but I think they are just trying to fob me off. We placed our account in dispute after they failed on several occasions to provide us with a SAR and it looked like they were never going to respond to us while we maintained payments. We also knew that they had added charges to our account which should never have been there. We have kept copies of all corresondence we sent asking for this. They have never accepted that the account was in dispute and harrassed us, despite harrassment letters being sent, and continued to add charges to the account. We have now had a response from them and I am doubting some of the things they are telling me so wonder if anyone could help. The foolowing are things they have said which I would like help with please? 1. They say " It is my understanding that an account can only be placed in dispute under the terms of the banking code. As WFS is not a bank, it does no subscribe to the banking code and therefore do not accept that your account is dispute, and that we are unable to register information to the credit reference agancies" 2. They say " I do not believe that we are required to provide an explanation as to how the option fee and acceptance fees are calculated , nor provide details of any commission paid. If this is not the case, please let me have the relevant case precedent so this issue can be reconsidered" 3. I questioned several ad hoc fees which had been added to my account which were of varying amounts and they have said "The ad hoc fees shown will either comprise either a telephone call, letter, or returned direct debit" Any help you could give would be much appreciated as I am not sure a=if Welcome are right in what they say!!
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