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ed-209

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  1. In 2012 I entered a Protected Trust Deed. The reason for the TD was quite simple the RBS wanted to get a decree for a loan in arrears but not defaulted, which would have allowed them to apply to get a unsecured loan converted to a secured loan on our house and then push for enforcing against the house. This was straight from RBS lawyers at the time. So the trustee gave us a letter for the court which stopped that. But end result was a 5 year protected trust deed. Before we got to that stage we did attempt to claim for any mis-sold ppi we had with RBS to be told we had none. Our Total debt to RBS was approx. £15,500... Fast forward a couple of years. I was discharge form 5 and no PPI was found by the trustee (standard procedure to check).. Funny thing was they found PPI for my wife with RBS .. I was now fully discharge form 6 also. The bank sent a letter to my wife saying they who could only pay out 50% because it was in joint names with someone else... only person that could be is me.. Now as I'm fully discharge and trustee have stated they are not interested in any PPI which is in my name. I asked RBS to recheck using the account number on the Wife letter. Low and behold they have found 4 accounts totalling over £17,000 worth of PPI not including interest dating back to 2004 and 2008 and onwards on car loans, personal loans etc most of it was front loaded onto the loans etc. with the resulting extra interest. The PPI is enough to have easily cleared the original debt to RBS. I don't know if they will refund it but that's a different story.. but they did on the wifes 50% as both of us where working and both our employer had sickness policy's in place 6 month full wages then 6 months half wages. Surely getting told you don't have it when you did must surely be a big no no. If the point of a PPI reclaim is to put the person back to the position they would have been if the PPI was never sold. Or if they had allowed us to claim on the PPI we would never have been in the Trust deed in the first place. Now how would you proceed. Thanks Ed
  2. I did post this in the Mail order section, but I really need help quickly to make sure I dont shoot myself in the foot. Overview. I bought a Hotpoint washer dryer from Littlewoods 23/9/08 since then it has flooded my kitchen 4 times and each time Hotpoint sent out a engineer it turned out the filter was blocked. The filter in this model WDL520p is under the drum and is not accessible by the consumer, as the machine is ment to be a self cleaning pump. I have told littlewoods I want the machine removed from my house as under the sales of goods act it is unfit for purpose, the are stalling and passing me from piller to post and are now saying contact hotpoint as it's there problem. I have pointed out, that my contract of sale is with Littlewoods and not Hotpoint, Any help would be great. Ed. Ps. I'm not looking for comp for damage to floor ect, I just want them to remove this PoS. Updated today with. Hi again, had another hotpoint engineer out, who also said this machine has mutli faults, I have a copy of his report. Now littlewood are still messing about including giving wrong numbers for the directors office, So I have managed to get the address for the directors office, I was thinking of sending this letter. Do you think this will get a response. "To whom it may concern, I’m writing today to give formal notice of my rejection of the above goods which has been faulty since purchase and has been repaired 4 times, due to it flooding my kitchen 4 times, and as such under the SALES OF GOODS Act the item is not fit for the purpose and not of merchantable quality. I have the reports from the hotpoint engineer which states that the item has multi faults. I was willing to reach a comprise and exchange for a different make and model, but your phone staff just gave me the run around and told various lies and half truths, and as such I have no faith in them or your company in this matter, you have 30 days from the above date to arrange uplift of your goods, otherwise I will dispose of it at YOUR expense. I would also like to point out that Hotpoint have nothing in the eyes of the law to do with this as my CONTRACT OF SALE for this purchase is between myself and you company. If you choose to ignore this request I will follow it up with a smalls claims action for the disposal costs and my costs in dealing with this matter. Including but not limited to replacement of solid wooden flooring 4 times, loss of earning and compensation for distress caused. I really hope it doesn’t have to come to that, but please don’t test me. Without prejudice to further action. " I really hope someone can help. Ed.
  3. Hi again, had another hotpoint engineer out, who also said this machine has mutli faults, I have a copy of his report. Now littlewood are still messing about including giving wrong numbers for the directors office, So I have managed to get the address for the directors office, I was thinking of sending this letter. Do you think this will get a response. "To whom it may concern, I’m writing today to give formal notice of my rejection of the above goods which has been faulty since purchase and has been repaired 4 times, due to it flooding my kitchen 4 times, and as such under the SALES OF GOODS Act the item is not fit for the purpose and not of merchantable quality. I have the reports from the hotpoint engineer which states that the item has multi faults. I was willing to reach a comprise and exchange for a different make and model, but your phone staff just gave me the run around and told various lies and half truths, and as such I have no faith in them or your company in this matter, you have 30 days from the above date to arrange uplift of your goods, otherwise I will dispose of it at YOUR expense. I would also like to point out that Hotpoint have nothing in the eyes of the law to do with this as my CONTRACT OF SALE for this purchase is between myself and you company. If you choose to ignore this request I will follow it up with a smalls claims action for the disposal costs and my costs in dealing with this matter. Including but not limited to replacement of solid wooden flooring 4 times, loss of earning and compensation for distress caused. I really hope it doesn’t have to come to that, but please don’t test me. Without prejudice to further action. " I really hope someone can help. Ed.
  4. To answer in order. Yes bought in sep 08 due to start getting paid jan 2010. It's last repair (cleaning the filter - 4th time) was 1st of June. It's been unplugged and disconnected from plumbing since then, as I have no faith that it will not block and flood my kitchen again. Ed.
  5. I bought a Hotpoint washer dryer from Littlewoods 23/9/08 since then it has flooded my kitchen 4 times and each time Hotpoint sent out a engineer it turned out the filter was blocked. The filter in this model WDL520p is under the drum and is not accessible by the consumer, as the machine is ment to be a self cleaning pump. I have told littlewoods I want the machine removed from my house as under the sales of goods act it is unfit for purpose, the are stalling and passing me from piller to post and are now saying contact hotpoint as it's there problem. I have pointed out, that my contract of sale is with Littlewoods and not Hotpoint, Any help would be great. Ed. Ps. I'm not looking for comp for damage to floor ect, I just want them to remove this PoS.
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