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About benq

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  1. Its a joint account, do I fill out the SAR referencing 'we' and 'us' rathe than 'i' and 'my'?
  2. Is there a step by step guide on how to SAR Lloyds?
  3. ' it'll never get statute barred ' This is devistating news. We were advised by a debt advice service to set up £1 payments. That has royally screwed us now. We were hoping all our debts would get statute barred after six years. I did send a template letter to Lloyds, I cant recall what it was for. I'm sure it was asking them to prove the debt is ours type of letter (which we knew it was ours anyway) I opened the account in 1998. I dont believe any of it is charges and interest, as it was a planned overdraft.
  4. -This is for an overdraft with Lloyds -We had an overdraft with Llloys, but then moved banks in August 2015. Obviously you cant take an overdraft to another bank, so Lloyds asked us to pay back the £2500 -We set up a £1 per month repayment scheme in Feb 2016 -First letter from PRA is June 2017 -Check credit report, and its on there for my wife, but not for me. Dont know if its worth noting: -This was a joint account between my wife and I. Lloyd were referencing us both, but when PRA took it over, they have only ever referenced my wife.
  5. -Can you clarify what is meant by 'debt type'? -Original Creditor was lloyds bank -When you say credit file, is that a creit report, like Experian? I'm sure i have seen it on there yes -Defaulted date was around four years ago. Definitely not over six years ago -We have a one pund a month standing order set up to Lloyds bank that gets transferred to PRAs account somehow.
  6. Hi there, thanks for the quick reply. It looks to be a standard letter: We write to you advising acocunt has been xferred to legal dept. This is a letter before claim as required by practice direction on pre-action conduct and protocols contained in the civil procedure rules. This letter is teh formal demand for £2500 and to give you notice of PRA intention to take you to court. The sumn owed is the original debt of £2500 plus interest of 0 and fees of 0 Since you did not repond you have become liable for the sum of £2500 Then there are some sections with boxes to fill out Section A I owe the debt OR i owe some but not all of it OR i dont know whether i owe teh debt OR I dispute the debt Section B I will pay what i owe now OR i will pay but i need time to pay Section C I intend on getting debt advice Section D I have provided documents OR I need more documents or information The debt was to Lloyds Bank now with PRA for around £2500 for an overdraft. We entered into an agreement with Lloyds to pay £1 per month, then after a year or so they sent us a letter saying they are transferring the debt to PRA group
  7. Hi All, PRA have been sending letter for a while asking to repay this debt. I don't deny the debt, i want through some financial difficulty and couldnt afford to pay. At one point they offered 30% off. But now I have this letter and the threat of court action seems very real. What can I do now? Ideally i would borrow the money from a relative and pay the 30% off number they came to me with. If i go to them with this I think they will say 'stuff you we want the whole lot'. Does anyone have any advice?
  8. That link mentions the following: 'If something is not of satisfactory quality, you have a statutory right under the Sale of Goods Act, to a refund, have it replaced or repaired for free. You can ask the retailer to do either, but it can normally choose to do whichever would be cheapest.' A refund would cost them nothing, but a replacement would cost them £150. So obviously they are going to choose refund. Darn it!
  9. Hi all. I bought a TV from John Lewis online in the Black Friday sales. The TV is faulty and JL say they cannot exchange as the TV is now £150 more expensive. They can only refund my money. Is this right?
  10. I looked round a house and applied for it, giving £105 over to the Letting Agent. About 23 hours later I decided that I didnt want to move into the house. I rang up the LA and they refused to refund my money. They say it clearly states in the Terms and Conditions they gave me that the monies are non refundable. The Terms and Conditions they gave me had to be signed and handed back at a later date. As I decided so quickly I didnt want the house I never signed the documents, and thus never handed them to the LA. I have not signed anything agreeing that the £105 is non refundable, so should they be forced to give me my money back. I told the LA that they could give me a part refund, as I'm sure they mustve made some phone calls and had an employee take the house off their website. But they still insisted, 'No'. That £105 included the refencing fees. I have never been referenced so they must be able to give me at least something back. But ideally I'd like they whole lot back. Does anyone have any pointers or ideas?
  11. I belive a pair of shoes, whatever weight the user is, should last more than six months. Does anyone know a specific part of legislation I can use in this case?
  12. Sales Of Goods Act is that? Is there a particular piece of the legislation i can quote?
  13. I bought a pair of shoes in July from Clark's for £30. On sale from £60. I tried to take them back today as they have worn excessively in the heel area. I have my receipt. The manager said shoes only have a28 day guarantee and as a gesture of goodwill will only give me a£20 voucher towards a new pair of shoes. I thought everything came with a years guarantee. I also feel these shoes should not have worn so much in the heel area in only six months.
  14. Part 5a states: (1)If section 48A above applies, the buyer may require the seller— (a)to repair the goods, or (b)to replace the goods. (2)If the buyer requires the seller to repair or replace the goods, the seller must— (a)repair or, as the case may be, replace the goods within a reasonable time but without causing significant inconvenience to the buyer; (b)bear any necessary costs incurred in doing so (including in particular the cost of any labour, materials or postage).
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