1 hour ago, BankFodder said:

Why has he gone ahead and paid the money when he believes that the quality of the work is not up to scratch?

Secondly, are the suppliers and installers the same people?

Thirdly, how long ago was the installation completed?

Thanks for your reply BF. Apparently they insisted  that the money had to be paid after they had measured up but before the cutting of the granite. 

That would have been against my better judgement but they said this was normal practice. 

Yes supplier was also installer. 

Installed on 31st May (2019). 

Hi everyone. I’m trying to get some information on behalf of my partner’s dad. He recently purchased some granite worktops  from a company and he is less than satisfied with them after installation. He is a (now retired) time served bricklayer and has years of experience using a spirit level. He took great care to ensure that his kitchen units were perfectly level as well as the extra timber supports he has added. The granite company in question came to his house and measured. They had laser equipment and formed a template. They told him that they would try to cut out the hole for the hob without a break, but that it might be necessary to have a single join at the front and rear of the hob. 

Later, they telephoned him to say that it had broken during cutting as discussed so they couldn’t avoid a join. He accepted this. 

However, upon arriving and installing the worktop, they had actually cut it in two places at each side of the hob  front and rear. They had also not cut it to the right size and in his words “they were just braying it to get it in. They then had to cut the bridging pieces (front & rear of hob) shorter to make it fit. 

In doing so they chipped the edge of the front piece. 

They then jacked up one of his cupboards by extending the adjustable feet, despite the fact that it was perfectly level before. 

He has since placed a spirit level across the front of the hob and it rocks across the joint. This is a direct result of them raising the cupboard!  

Also, upon further inspection, he found a chip (albeit tiny but you can see and feel it). 

He has sent the supplier an email, initially only complaining about the chips. 

They asked him to send a photo which he did but they have not responded further. 

I really feel for him, as he has tried to talk himself into making do with it. Don’t get me wrong they are nice worktops. But the fact there are 4 joins around the hob alone to me seems very odd. 

He has handed over around £1800 and this has really spoiled what should have been a top end quality product. 

Some years ago I was able to phone up trading standards about a faulty product and received help with an FOS claim to successfully obtain a refund. 

However, as far as I’m aware that service is no longer available. 

What can he do to get something done about this? Ideally he should get a replacement but having read some poor reviews online that looks highly unlikely as the company is renowned to ignore complaints. 

Any advice would be greatly appreciated. 

Thanks. 

go ask haliprats if they got your F&F

I bet not!

I'd rather not contact them or the DCA if I can avoid it as I'd be confirming my whereabouts.

Just ignore all contacts, as you have confirmation you settled your liability years ago. It would be up to the OC to take any further court action, if they were able to, whiich seems to be very doubtful.

 

Think what happens is the OC does not think they will obtain any further settlement. They therefore allow the debt to be chased by a DCA for a fee. If the DCA collects, they keep the amount agreed and the rest goes to some old sundry collection account at the OC. I doubt the original mortgage account is ever noted about any debt collection years later. The mortgage is closed off with the debt owed and debt collection activity is a separate issue.

 

You have no redress. The debt was owed. You decided to pay something to a DCA that bought rights to collect and what happens to the money is subject to commercial agreement between the DCA and OC.

Thanks UB If the DCA (in this case CIS) was acting on behalf of the Halifax rather than buying the debt would that make any difference?

Thanks for the clarification. Apologies to the OP for jumping on the thread. I will vacate it now. Thanks.

Sorry I'm confused by the above Dx I meant was that website a sc@m ?

Thanks for your reply dx.

where does that leave me if I have letters showing monies paid and advising that my liability has been met etc?

in fact where does that leave anyone who has paid a debt collector claiming to be collecting on behalf of the OC?

If CIS were purporting to be acting on behalf of Halifax as an agent and they haven't paid them do I have any redress?

Moorcroft don't buy debts only chase for clients..

In that case-is this a [problem] as it claims they buy debts...?

[website removed] - dx

Hi dx100uk long time no "speak" . I hope you are well.

As per first post above, the original company dealing with it claimed to be acting on behalf of the lender.

Drydens got bored when I ignored their threatograms.

The original DCA were called "Counselling Intermediary Services" and based in Bournemouth, Dorset.

I still have the letter advising that my liability was settled.

Hello all. Having just read this thread to refresh my memory, I realise that I never followed up on the above with regard to posting the letters.

I have, unbelievably, received a letter from another DCA which I suspect is a fishing letter for the above.

Surely, having paid nothing since the "full and final settlement" letter in March 2005, they cannot legally claim that I am liable?

Thanks for the reply dx. I managed to find my annual statements from the credit provider.

I am now awaiting a final decision from the FOS

As far as I'm aware the training centre is in Leeds LS12. I'm talking about the Mercure Parkway Hotel near Golden Acre Park between Adel & Bramhope.

Swanky!

This is really winding me up.

Most mornings on my way to work I pass a "Mercure Hotel" on the outskirts of Leeds (formally the Parkway Hotel near Lawnswood/Bramhope).

Very frequently now I am seeing the car park almost full of British Gas vans. This isn't just a one off this is almost every time I pass by and early mornings indicating that they are probably having some kind of knees up followed by an overnight stay.

This is while people continue to struggle to pay their bills and god knows how many pensioners will perish again this winter.

This is not just happening at one hotel either. I also pass the Village Hotel at Weetwood near Headingley, Leeds.

It's disgusting that they are making such vast amount of profit and p'ing it up the wall while everyone struggles to make ends meet and when the price of a barrel of oil has halved but the bills haven't.

Oh and here they are sponsoring programmes on TV!

Post #65 has the title of the new post #78 but should be part of the unfair warranty terms thread

I really don't know what has happened here there are at least 3 different threads merged into one.

You can see by the titles on each post!???

What Forum did you post it in Redletter.

Banks & credit, general I think.

Thanks

Thanks but this was posted as a new thread and is unrelated to the other part.

Is there a way you can separate it please?

Hi.

This appears to be happening again.

I've just posted a new thread and it's not showing up on my subscribed threads nor is it showing under new posts

I contacted my credit card provider and requested a Section 75 claim form.

The faulty item cost around £1700. £355 deposit paid by credit card, the rest on interest free finance offered in the shop.

The item was sold with a 2 year manufacturers warranty.

It failed before 20 months.

There are no warranty terms on the manufacturers website.

The retailer said he approached the manufacturer but he "had to do what they said"

and they said they wanted over 300 euros for replacement parts as "this type of damage is not covered".

In my opinion the product I was not fit for purpose as it is a light fitting for use 6 inches above an aquarium

and the manufacturer states that the damage is caused by humidity!

There is no seal between the Perspex covers and the electronics of the unit which in my eyes is a major design flaw.

The credit card provider tried to fob me off with a "disputed transaction" for the deposit.

I made it clear that " I wish to claim under Section 75,of the Consumer Credit Act 1974".

They started to "fill in a form on my behalf" asking lots of questions about whether I had evidence of payments to credit provider,

receipts for payments etc.

They started on about "proof of correspondence with the retailer" .....

I pulled them up at this point and reiterated that I wished to claim under Section 75

and that I had no obligation to contact the retailer nor provide evidence of such

and that they are equally liable for the entire amount to be refunded to me in the event of a breach of contract under SOGA.

I insisted that I can fill in my own forms and they said they will send them out.

Surely I don't have to start paying my bank for copy statements to prove I paid by direct debit?

Thanks for your advice all. Believe me I had already come to this conclusion but was just curious to know the facts.

template for fish tank light.???

 

 

put post 1 in a letter

 

 

to the shop

 

repair/replace/refund

as they think fit as it has failed to last a reasonable time.

 

 

if you go read say the which soga site

there are numerous examples there.

 

 

dx

Ha no!

I meant a template quoting the correct way to use SOGA ie the relevant sections.

I will check out the which site thank you.

Thanks.

Could anyone point me in the direction of a suitable letter template which I could adapt to suit my circumstances, or at least a similar thread with a similar issue that was resolved?

Thanks in advance.

Thanks for your replies everyone.

What are your views about the so called Bills of Exchanges Act 1882 and the suggestion that companies are breaking the law if they refuse payment by promissory notes?

Is there any documented case law to back up their claims?

Thank you all.

What are your opinions about their claims that debts are immediately paid when the bank receives ones signature and that the signature is what generates the 'money'.

They suggest that the financial institutions suffer no losses as they do not or are not permitted to use their own or their customers' funds??

To be honest I don't have a clue how the banks work or where the money comes from but what do they mean about full disclosure of accounting?