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SmudgeonmyCredit

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About SmudgeonmyCredit

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  1. There comes a time, not very often, but when it happens, you appreciate it, this was one of those weeks.............. I must today say thanks to Lee the Vodafone Rep. After all I have been through and all the Departments, both at Vodafone and Apple, Lee has not only been in contact but has also helped to resolve many issues....( still taking Apple to court though)!!!! I cant delve into too much, as been told not to let too much out. But Lee has gone above and beyond the call of customer service, now i see people slating Vodafone on here, but let them have there time to sort
  2. Just a Quick Update to the situation. After recieving some information and guidance, I am about to embark on a mission, that will see me and Apple in court against each other. I need help with the following; I need to get all the information that Apple has on both my Account, and also any repair reports etc. Now do i just request this in a pre-action letter, or can i ask for it before i send the pre action. I am no longer interested in Apple just returning the phone, for all the messing about I have done i am now more than willing to let this go to court, and hopefully
  3. Well another blow now, Police say they cant go storming in for the phone, cause of evidence on wether Apple knew when the phone was stolen, and told me that if they refuse to talk to me, or give/replace the phone then i have no choice but to take them to small claims........
  4. Well had email from Apple: "Thank you for your voicemail. I will be contacting the Police today to inform them of who to liaise with in Apple to get a response on this issue. Kind regards, Margaret ****** Executive Relations EMEA Apple Sales International" She also telephoned to say i had email, and also told me that they will only deal with the police and not divulge any information to me. Great Customer Service......................NOT
  5. Okay guys, just a quick summary: My I-Phone 4 was stolen out of my lorry, it was blocked by vodapjhone, have found out that the suspect has taken my phone into Apple retail store in Regent Street and they exchanged it for a new one. So Apple have my Stolen I-Phone which right fully belongs to me, and are not returning it to me. I am now considering the small claims court to get this returned, or replaced. Full Story: http://forums.moneysavingexpert.com/showthread.php?t=2985900 (sorry if not allowed to external link) I have come here to get assistance with the
  6. will also SAR Cabot, who brought the account, as they may ha received paperwork from next that might come in handy
  7. Would thy send any screen grabs with this letter as i see there isnt a specific point mentioning this type of data?
  8. Thanks cerberusalert, Am determined to take this all they way....... If I had recieved a default notice then this would of been dealt wit way back in 2006, as soon as Cabot contacted me I paid immediately, just wish I had the documentation before default.
  9. Where about do i find the templates for the SAR?
  10. Are Next now going back on what the wrote in the letter that this was my default notice? as they now mention Initial Notice? So if the Initial Notice was sent in October, and gave me 14 days, and they say the default Notice was sent in October too, then what does that mean for me?
  11. well reply from next via email as follows: I have now had the opportunity to review the correspondence relating to your complaint and in particular have reviewed the legal basis on which your debt has been recorded with the credit reference agencies You believe that we should remove the default recoded against you as we have not been able to provide an exact copy of the Notice of Default that was supplied to you and that the initial notice supplied did not comply with the requirements set out under the Consumer Credit Act. I disagree with your assertion as to the contents of the noti
  12. Well, Strange one really just recieved call fom Next t say they recieved my email and letter, and that they will be sending a letter out explaining the default notice, so by the sounds of it they are still sdamant the dcument is in fact a legal default notice. So my next step will be to await the ICO outcome of looking into the matter, and then decide where to go from there. Have spoken to a solicitor about this who said I should get it overturned, but i know that i couldnt afford to pay for a solicitor to get nvolved, and know almost zero about law and how to go about taking this fu
  13. Yeah, I read the bit about the default notice, i have spoken to a solicitor who knows his stuff, and if i get no joy from next, or the ICO will take it further.
  14. But is that not to do with a CCJ, which i havent got, i just want to remove the default from my credit file
  15. Well, have written a letter to send to Next Legal Department, with a complaint about the default notice and asked for it to be formally investigated again, also filled out the online form for ico, and going to email it to them later, hopefully have explained myself clearly, but will read them again later when i got a clear head, to make sure its all clear and easy to understand.
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