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  1. Hi delicousdawn, since I managed to get a refund from Kerobo, I have had quite a number of calls from claim companies, one of which sounded quite dodgy as he mentioned the name of a large company which does not undertake this kind of work. I'm sceptical of the whole industry to be honest........
  2. Thought you might be interested in this judgement by the Advertising Standards Authority, which can be found on their website: ASA Adjudication on Kerobo Ltd Kerobo Ltd Ravenstone House 1A Britannia Road Sale Cheshire M33 2NN Date: 14 July 2010 Media: Radio Sector: Financial
  3. I'm really sorry to hear that Mallers. I hope you get your money back.
  4. Just checked their website and it is not operating apart from a new address. No phone numbers etc. You may be too late.
  5. MallersO, I'm afraid I'm not in a position to advise you on unenforceability, but my personal view (and I stress it is just that) would be that you should start making your payments MBNA again ASAP and demand a full refund from Kerobo, then use this money to help pay off your credit card debt. It is very important you don't get a default. Please understand that this is what I would do under your circumstances, and I'm not a professional in these matters, I'm just going with my experience in my own situation.
  6. Hi Delicousdawn, I can't remember how long it was after my initial payment (£800) that I started seriously chasing a refund. I was palmed off a few times as you can see from my other posts on them. In my e-mail, I stated that I had reported them to the Ministry of Justice, and also gave a list of all the promises that they had made to me, and pointed out that they had failed to live up to any of them. I also pointed out that they were in breach of contract as they had not kept their side of the bargain. I was threatening them with the small claims court etc, but even tha
  7. Hi Delicousdawn, I haven't heard of anyone who has won their case with this firm, but there may be some who have. It took me a long time to get my money back from them. After repeated requests for a refund came to nothing, I sent an e-mail refund demand over and over again to their 'customer services manager'. After sending the same e-mail over fifty times within the space of a few minutes, they responded and said they would refund the money within 72 hours. When this didnt happen I repeated the process and they paid the cash into my account. Took me a while to get the money thoug
  8. Sorry, if this is in the wrong place, but it is connected with a default I have. I read on another forum that the EU legislation coming this summer might mean that credit files would only stretch back three years instead of six. Has anyone heard this or have any information on it? This would be a godsend for me as I have one default and can't get a mortgage because of it. Thanks
  9. Simon, in all honesty, I would do what you can to get a refund and look around this site for template letters etc that allow you to do the job yourself for free.
  10. Hi Simon, I'm really sorry that this has happened to you, though if you read my other posts regarding Kerobo, they had £800 up front from me. I had to fight tooth and nail to get the money back. As your situation is different to mine, I would suggest that your nearest CAB could advise in getting the balance back, but I suspect you will have to go to the small claims court as well. You can download their terms and conditions from their website, so have a close look at them and see if they have breached their contract. From what you say, and from what I recall of them, this migh
  11. This looks like pretty much like the letter received on my behalf by Kerobo. I too was not contesting the loan as such, I just wanted to reclaim my PPI. Like CitizenB, I have no knowledge of S18, and am simply going to try and reclaim the PPI via the standard letter. Sorry I can't be of more help.
  12. Well done Rick! I eventually got a full refund yesterday, after numerous e-mails etc. I would urge anyone thinking of going down this route to think very carefully indeed before using Kerobo.
  13. With reference to my post above about Kerobo claiming to have refunded my money, and would be in my account within 5-7 days. Guess what? It's day seven, and no refund.
  14. Great info abou the BBC Donima, thanks. I sent the same e-mail to their customer services rep about twenty times in the space of five minutes on Thursday, having tried to get a refund for months. I got a reply saying that they would process my refund that day, and she would e-mail me with further info. I then sent a fax explaining how they had failed to keep ANY of their promises, and had breached their own terms and conditions, and gave them fourteen days to refund the money or I'd take them to the small claim court. I also pointed out I had referred them to the Ministry of Ju
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