Thanks, I'm guessing my name has come back around again for my annual phone call? What's the likely outcome do you reckon? Will they eventually just give up and go away? I'm in Scotland so I think I'm right in saying they can't do much as we don't have bailiffs up here.

Sorry to resurrect an old thread but I haven't heard any more from Rossendales until yesterday when they called my mobile and I didn't answer. They didn't leave any voice mail but I Googled their number. They called me last year and I told them I would only deal with the LAA and put the phone down. The LAA said they wouldn't deal with me and to speak with Rossendales. So I was left running around in circles. I'm surprised I haven't received any further letters from them, it's only phone calls but I won't talk to them on the phone as I want everything recorded. Am I taking the appropriate course of action by not taking their calls?

They can't seem to find any record of me living at my previous address but I'm not surprised. Clearly the don't want to make it easy for us. The credit agreement has no date but it does have a reference number at the bottom.

I called them today at their PPI handling service in Manchester. They called their department 'Mediation Operations' I gave them some details but they can find no trace of me. So they advised I write to them with more details.

dx100uk No statements only the credit agreement. One query I do have is on my credit agreement it states 'insurance option' but I can assure you it wasn't an option as I was forced to take it out or I didn't get the loan. Would this still be considered as PPI? I've attached the credit agreement obviously omitting my personal details.

Okay cheers. Are there any letter templates available and what;s a FOS? How would I calculate how much I should ask for?

In 1988 while I was in the army I took out a £2000 loan from the RBS in Stirling branch As I recall I was forced to take out insurance with his loan. In 1990 I had to leave the army to look after my mother who was seriously ill at the time. I tried to claim the insurance from the loan which was rejected as I left the army voluntarily. My mother is moving house so I've been clearing out the attic and I've discovered the old credit agreement from this loan. Do I still have a case to claim the compulsory insurance or am I time barred?

I challenged them them on their interpretation of the SOGA this was their reply: Dear Mr ****** Thank you for your reply to my e-mail. At the point of sale and under the Sale of Goods Act, we make it clear to our customers that it is a 12 month warranty, after the warranty it is then our customers decision if they wish to take out any extended warranty from any other company or pay for any engineers. If customer's believe that there has been a fault on the equipment from when it was purchased, they would need to provide evidence under the Sale of Goods Act, and Sky would replace the equipment free of charge if this is proven. Kind Regards Erica Montgomery Executive Support Team I sought advice from my Trading Standards Officer who advised me they were in breach so I sent this: Dear Miss Montgomery, I have tried to rectify the fault through your help desk, performing a soft and hard reset and a software upgrade. Neither of these methods worked. Clearly there is a fault with the box itself. A member of your staff even offered me the option of exchanging the box at my doorstep for a fee. So even your own staff accept the box is faulty. I have taken all reasonable steps to rectify the problem and I have given you the opportunity to either repair or replace my Sky box. None of these options you accept without being forced to pay a fee. As I have already explained to you regardless of whether my Sky box is out with its warranty period it should still last a ‘reasonable length of time’. You do not make up your own rules to suit your self. This is why the Sale of Goods Act was introduced to stop company’s such as yours making up your own rules and deceiving the public. I have sought advice from my local Council Trading Standards who agree with me that you are in breach of the sale of goods act and it would be reasonable to assume the box should last longer than 19/20 months. I wish to resolve this matter amicably and without the need for court intervention but you really are pushing me into a corner here. Kindly repair or replace the box please or I shall have no option but to instigate proceedings in Falkirk’s small claims court without any further notice to you. Kindly govern yourself accordingly.

They've just replied with this: Dear Mr ****** Thank you for your reply to my e-mail. As stated in the terms of conditions of your Sky contract, we only cover the first 12 months, any service calls out with the 12 months are chargeable. If you would like Sky to resolve this for you, it will be chargeable for the engineer to come out. Kind Regards Erica Montgomery Executive Support Team So should I just plough ahead and take out a small claims

Ok thanks but I've sent it now lol. I just get fed up fannying about with them when they really should be playing fair.

Sorry I'm going to have to re-write this. It seems to lose the paragraphs when I cut and paste from word.

I emailed the CEO Jeremy Darroch with my complaint and received the following reply from his assistant: Dear ****** Customer Account Number - ********* Thank you for your e-mail addressed to Mr Darroch regarding your Sky+HD box. My name is Erica, I work within the Executive Support Team and I will be investigating your enquiry on Mr Darroch's behalf. I am very sorry to hear of the difficulties you are experiencing with your Sky+HD box, I tried to contact you on the mobile and landline number we have saved on your account to discuss this over the telephone with you. What are the issues that you are experiencing with your box as we can certainly go through some troubleshooting to try and resolve this without sending an engineer. If we are not able to resolve this, then we would need to send an engineer, we cover the equipment for the first 12 months and it advises this in your terms and conditions as well. Once the warranty runs out, customers can then take out insurance to cover their equipment, get an independent engineer, purchase a new box from a third party or Sky can send an engineer out for 65.00GBP which covers all parts and labour with a 90 days warranty. If the box needs replacing, the cost will cover a replacement box, it would be a reconditioned box and again this comes with a 90 days warranty. I hope this information helps, please let me know by return if there is anything further you require. Kind Regards Erica Montgomery Executive Support Team I responded to Erica with this: Dear Miss Montgomery, The box won't come out of standby mode which I've tried to rectify via your helpline. I was offered a refurbished box from your helpline for a fee. It is not right that I should be made to pay any fee for a box that is only 19 months old. I understand you supply a one year warranty with the box but this is in addition to my statutory rights. The 'Sale of Goods Act' covers my statutory right. As I explained in my original email to Mr Darroch my understanding is under the 'Sale of Goods Act' goods should be of satisfactory quality and should last a reasonable length of time. I would not consider a sky box which failed at 19 months old to have lasted a reasonable length of time. I have been a member of Sky since 2009. My previous Sky+ plus box is 6 years old and still going strong at my parents house. As I understand it a judge recently declared a television should last a minimum of 6 years from the date of purchase. I would expect a sky box to last the same length of time. I would like my sky box to be either repaired or replaced at no cost to me. I wish to resolve this matter without the need to take my complaint to the small claims court. I sincerely hope you respect my statutory rights as a consumer. Opinions what I should do next if they will to honour my rights?

Thanks but I've already tried that.

Hindsight is a great thing

Apologies I should have mentioned this in my OP. I re-contracted with them last October. My subscription does not end until October this year. I have a mind to cancel my direct debit to see what they'll do but I also have broadband and phone with them and can't lose those.

My Sky+HD box won't come out of standby. I called Sky CS to be informed as my box was out of it's 12 month warranty I would have to pay a charge of £60 which they quickly brought down to £30. I'm not happy about an 18 month box being faulty and being forced to stump up £30. I would have thought I would be covered by the SOGA as I wouldn't consider 18 months a reasonable length of time. Opinions?

I had a similar situation with Bannatynes a few years ago. I handed my resignation letter which they claimed later they didn't receive. It was all a lie of course and a poor effort to extort further money from me. I emailed them to no avail so I ignored any further threatograms from their DCA. Just ignore their letters and they'll soon stop. If they call you just put the phone down.

How come when I post I lose all my paragraphs?

I guess they must be watching these forums After a week of emails to and fro and two hours after posting on these forums I received this reply: Dear Mr XXXX XXXXXX Thank you for your recent email. On this occasion we have credited the item XXXXXXXXXXXX off your invoice and there is no need to return the item to us. If you have any further queries regarding this issue please reply to this email to ensure that we can respond to your query with minimal delay.

I purchased an 8 in 1 cooker on-line from a company named Studio24. I intended to pay the item in full once I received the oven. As soon as the oven arrived I noticed a black handle was missing and called their customer services. They were insistent a handle is not included with the item even though my mum has the same oven and she had a handle included and there is a photo of a handle on the box. I became frustrated at their poor lack of customer service so I told them I no longer wanted the oven as I would purchase elsewhere. I asked them to come and collect the item. They said they would come collect the item but couldn’t tell me what time the delivery man would arrive. I told them it wasn’t possible for me to take a full day off work and could they collect at my work address. They said the delivery address had to be a residential address. I then asked them if they could collect the item after 17:30 or at the weekend but they said they couldn’t. I told them if they couldn’t collect from my work place (Local Council with a reception) and couldn’t collect at weekends or after 17:30 it wasn’t possible to arrange collection then. I think they are being really unreasonable as I have given them three options which they have refused. I told them I refuse to accept any debt from them. Legally where do I stand?

I hope I've attached this correctly? Sorry for the delay in replying but I've been ill. There seems to be some confusion regarding this bill. I had £500 costs to pay and a further £350 costs as my appeal failed. I contacted the LAA directly informing them I had no intention of dealing with Rossendales and I would only deal with the LAA. The LAA debt department in London replied with the following email "Further to your E-Mail dated **/**/14 I write to confirm that we are only dealing one of your cases in Debt Recovery Unit and that is the certificate of ********** this is the account we have sent the Personal Budget Form to you. With regards to Rossendales I would suggest that you make contact with them direct as one of your other certificate’s could have been sent to them which we are not dealing with." This seems bizarre to me as they suggest they have contacted Rossendales for one part of the debt but not the other!!! I suspect Rossendales are dealing with the first case and the LAA the appeal. However to add further confusion Rossendales state in their letter (attached) the debt in the appeal court was £500 but it was only for £350! Should I ask the LAA in London for a full breakdown of all debt and inform them I will only deal with them?

I assume they are just acting as a DCA. I'll attach the letter if you tell me how I attach a PDF?

I received a letter today from Rossendales regarding a £500 debt I owe the legal aid agency. Considering my case was only last week they've been fast off the mark. The case concerned an appeal in Manchester which I was unsuccessful. I live in Scotland. I have two questions: Does the LLA or Rossendales have any authority in imposing this charge as I live in Scotland and we do not have bailiffs? If forced to pay what is the minimum I can pay per month? I have no intention of sending details of my personal finances to Rossendales. I have no contacted anyone yet but I am aware not to contact anyone by phone. Thanks in advance for any advice.

It's a shame though he had to spend over a quarter of a million pounds to prove his point. While a victory for the consumer it certainly didn't seem so for him. Maybe someone should start an online charity and donate to him so he can recoup his losses. After all we all benefit from it don't we?

I understand what you're saying but it doesn't seem quite right to me. For instance if I decided to cancel two days after my DD it would mean I would have to wait 58 days to cancel. This makes the 30 day cancellation ruling by the OFT a bit of a farce.