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About David963

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  1. I understand that but what I want is the goods that I ordered, I am unsure of my position as to how I can escalate this if I don't get a favourable reply
  2. just for info the table sent was 75 x 120 x 75 instead of the ordered 90 x 150 x 75
  3. Hi all, I bought a dining room table and chairs from Wayfair, it clearly stated all dimensions, the day before delivery i got an email with a different sized table (smaller) on it, i phoned and queried it and was told that the operator had no idea why i was sent the email and the correct item had been send Table duly arrived today and it is the smaller version, i have phoned their customer services and the guy tried to fob me off with various variations of a website error and i really should be getting the smaller item, perhaps they can refund me part of the price and then i c
  4. Hi All, I am hoping that someone can give me a little advice and perhaps point me in the right direction. We took out a loan with Purple loans in 2004 and was "forced" at the time to take out PPI "no PPI = no loan", i came across the paperwork a little while ago and realised how much this cost and the more i look into it the more i am sure it was mis-sold. We were told we had to have PPI or we could not have a loan (a secured loan) It was front loaded onto the loan so subject to addtional interest (which we did not know) and a few other things from a list of bad practice items i
  5. Another letter this morning, identical to the pay up or we are considering court action but with an added we really want to help you so if you pay now we will give you a 20% discount.
  6. That was what i thought or at least what i would have expected, however nothing at all, I did have quite a lot of contact with the OC about what they considered to be a credit agreement and what the law actually requires, nearly went to court but then they bailed, would have been around the time that they lodged it as "satisfied"
  7. I wondered if that was the case, but if it is whoever bought it has never contacted me about it
  8. just a final update on this, when checking my credit file (something i have never done before) i note that they have this listed as Satisfied in 2009 Thanks for all your help with this one
  9. Thanks for your help, So what should my next move be? do i wait and see if they come back again or send them a letter. Just to be sure i checked equifax and nothing on there either David
  10. Sorry to seem a bit dim but does the lack of anything on the report have a special significance David
  11. Just had a look at my credit report on experian and they are not mentioned!! But i did see that they had a look at it or made an enquiry in January of this year David
  12. Hi Thanks for the information, I note on the letter in the file it says to sign but put crosses through the signature, it has been a while since i was on here but previous advice was just to type your name and not sign it, has this changed? I was surprised that 1st Credit offered me the information from their files for the £10 fee is this a usual practice by DCA's now as i would have had to approach both them and Citi, i certanly haven't acknowledged this debt and the CCA was not complied with at the time does this have any bearing? Sorry for so many questions but thanks in adva
  13. I have had problems with 1st Credit going back a while. Originally a loan with citi that was defaulted due to redundancy (this was back in 2006), a lot of hassle while i was at my lowest ebb and then i found CAG, sent off CCA requests to 1st Credit who ignored it, nothing for a while then a letter from Connaught Collections, told them about the defaulted CCA and heard nothing for quite a while then in early 2008 i received a SD with a view to making me bankrupt. Thanks to the great folks on here i filled in the forms for a set aside and waited, I was
  14. I am by no means an expert but would appreciate others opinion on this, as i understand it to be enforceable all fo the necessary information needs to be on the agreement. The T&C's that are apparently on the back of this show a number of different APR's and you are told that you will be told which one yours is when you receive your card - surely that is a separate document and not the agreement unless they sent you a completely new agreement when you got your card and you signed it. Also there is no credit limit on this application form - again you are told that you will be told wh
  15. I got a letter from the courts stating that they wanted to hold a telephone allocation hearing (i dont really know what this is) I declined to give a phone number to Sainsburys Bank, the reason is that when they had a number for me the harrassment was truly awful, i had to eventually sent a letter (Wireless act) to get them to stop and remove my number from their records and i really dont want to go down that line again. I informed the District Judge of this in writing and also stated that i was pursuing a mis-sold PPI and asking for a delay until this could be resolved as it would s
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