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Everything posted by Missnka

  1. Hi, I have a reply. Overdales solicitors say they have a date of the last payment being received on 31 July 2016. I have checked my bank account (AGAIN) and have no payments to Vodafone AT ALL in that month or Jun/May/Apr/Mar (or after) 2016. It is my only bank account. They have said the account defaulted in Sept 2016, yet it is impossible for there to be a payment from me in 6 six years. I have checked! If it is statute barred from last payment and communication, then it is DEFINITELY 6 years if this debt truly exists. They have quoted Section 5 of the Limitation Act 1980. They have put the account on hold. What should I do now?
  2. Ah-ha! Thank you so much for your help. x I will update. Wish me luck!
  3. Hi Andy, Is the letter literally those few paragraphs, so more like a statement? I did follow the link too. It seems brief. Do I send it to Overdales or Lowells or both?
  4. Hi Andy, Yes, I did receive a letter with that information and threatening court action in 30 days.
  5. Happy new year all! Hi, I received a letter of claim for Overdales Solicitors acting on behalf of Lowells. I phoned (without admitting anything, only giving name, address, DOB) and discovered the debt is for Vodafone from 21st April 2015. That makes it 6 years and nearly 9 months old. This is the first I am hearing of it and have never been contacted before about it. Should I proceed with a CCA request or a Statute Barred letter? And which company/address should I send correspondence to? or both?
  6. Thanks for replying, I can't let them get away with this. Also, their website is back up and running. www.urbanpushchairs.com
  7. Hi Bankfodder, I will be issuing the claim today. My research tells me that the company will receive a CCJ which will be detrimental to their future dealings. The debt can also be enforced which is even worse for them. Royal mail can verify that the letter has been delivered safely to its final destination, whether or not they choose to collect the mail is their own problem. This process is worth it to know the company will be penalised in a bigger way than just paying me what they owe. I have seen evidence that the company likes to google themselves and make false positive comments, so when you read this Urban Pushchair/Bebylux/Ainea International Ltd, this is what happens when you have appalling customer service and sell faulty products.
  8. Good afternoon Bankfodder, I had sent the letter of claim by recorded post, and it appears to have been redirected (for redelivery) to their local post office ready to be collected. I have had no reply as yet however, I am unsure as to whether I will be notified when it is collected (because it may already have been), or if the fact that it has reached its final postal destination counts as it being 'delivered'. Not sure as to what I should do next. I cannot make a person open their mail but I do know it arrived safely and a 'something for you' card would have been left.
  9. Ah, thank you! So I will print out and sign the letter of claim for special delivery. It will arrive on 24th October so I think that is the date I am issuing the claim? Since that's the day it will arrive at the address. (Unless I'm supposed to just put today's date.) Next break I get I will work on a super brief particular of claims letter. Thanks Bankfodder! x
  10. Hi there, Firstly, I have read your post on going to small claims court. Thank you! I've been working hard and have finished the letter of claim. Is it too detailed? (see below). I believe this is what will be posted by special delivery tomorrow to arrive on Friday 24th. So I put on MoneyClaim 'date of issuing claim' 24/10/2020? Or is this the info that I put for 'Particulars of claim' on Moneyclaim, or is it both? Or should the Moneyclaim particulars be much more brief? I paid £50 for the wheel on 20th March. For Moneyclaim is this 'the date money became owed' to me? Please check claim amount. Wheel£50/petrol£50/postage£6.70 = £106.70 Interest from (day money left my account) 20/03/2020 - 24/10/2020 (day letter will arrive) = £5.12 Court fee £25, total £131.70 LETTER OF CLAIM Ainea International Ltd. trading as Urban Pushchairs Ainea International Ltd. 1 Northfield Road Harpenden AL5 5JA Dear Sir/Madam, On 24th October 2019 you sold me pushchair model Urban P1/3:1 Travel System, order number #WB1104UP for £649.95. As you know, a rear wheel broke off on 16th March 2020 and although I informed you of this, you told me that it was “not a warranty claim” and rushed me into purchasing a new wheel from you for £50. Because I was a new mother with a newborn baby, I really had no choice so I paid the money. On 10th June 2020 I received a “product update” where you admitted receiving complaints from customers regarding the rear wheels being “noisy”, wobbling “on rotation” and customers having “broken wheels.” Knowing the design fault meant the wheels of the pushchair were likely to break and causing possible injury, you advised me to “please refrain from using” the pushchair until “free replacement wheels” were delivered with “free delivery included”. I eventually received the replacement wheels and as you know I then approached you for a refund for the wheel which had originally broken and in respect of which you said that I was to blame. Clearly I was not to blame and this was a design fault. After several explanatory emails on my part, you have refused to refund me the money which I paid to replace the original broken wheel, even though it is clear that this was a design defect. You are in breach of contract by selling me an item which was not satisfactory quality and not fit for purpose. I should inform you that during the eight week period during which I was unable to use the pushchair because of the manufacturers advice, I incurred costs having to use vehicular transport in order to move my baby around. I am proposing to sue you in the Small Claims Court for the refund of the money which I paid you for the broken wheel plus the cost of petrol which I would not otherwise have had to use, unless I receive payment of the sums in full within 14 days. Defective wheel replacement £50, Petrol costs £50, Letter postage £6.70. Total payment due within 14 days - £106.70
  11. Good morning, Ok so, I have emails from the pushchair company that refer to themselves as 'URBAN by BEBYLUX pushchairs'. So they confirm that Urban is a (sub)brand under Bebylux and I have an invoice from them clearly showing 'Bebylux (+ website), Ainea International Ltd.(+ address). Its like Dairy Milk being a brand under Cadbury's. They have put this in writing to me themselves. I will actually ask for the postage costs along with the £50 wheel cost since its further money I was forced to spend because of them. If it goes further is that where I would add £50 petrol costs plus 8% interest? (please help calculate). As evidence I have emails and invoices I can print out plus photos for the new and broken wheels. 'Ainea' have an address and I found another address for Yusuf Skoien from where he registered the URBAN trademark, but I guess one is a personal address and one is business?
  12. Hi Bankfodder, thank you. OK so I need to write that I'm claiming against 'Ainea International Ltd. trading as Urban Pushchairs'? So that covers all titles. Someone mentioned earlier a link to a template letter, this would be very helpful. The invoice they provided me states Ainea (full address), has the Bebylux logo and website, and then the item for purchase states 'Urban' replacement wheels. Have they not tied their companies together through the invoice they sent? Further to that, on their Bebylux (car seat) website, there is a drop down box for pushchairs. Linkedin shows his (Yusuf Skoien) name as director of Bebylux. Their Urban pushchair brand. Also, all the deliveries have been sent by Ainea, as shown by the delivery notices. Also found this: https://www.trademarkia.com/uk/trademark-UK00003392053.htm He has registered a trademark for the Urban pushchair. there is also a second address...interesting. I have to talk to my partner when he gets home from work but maybe I'll add another £100 on? I'm really not sure. I don't want to be greedy but they have also caused me so much stress. If only they cared about their customers
  13. Hi, again please excuse any delay. I will respond as soon as I get a chance. I have gone through the emails and my bank statements: The pushchair payment (online Visa debit) was made to: Urban Pushchairs on 24 October 2019 The wheel payment (bank transfer) was made to: Ainea International Ltd. 1 Northfield Road, Harpenden, AL5 5JA When the wheel broke we were without a pushchair from 16th - 24th March (8 days) I was advised to refrain from using the pushchair on: 10th June And the 2 replacement back wheels were delivered on: 3rd August (55 days later/8 weeks) The website the purchase was made from was: www.urbanpushchairs.com
  14. Hi, thanks again for the responses. Please excuse any further delay as my baby is awake and I have to tend to her. Many years ago I sued a landlord for withholding my deposit. I won, hence the Moneyclaim account. I definitely need help in this scenario. The pushchair (travel system) cost £649.95 I'm not sure how much I'm out of pocket. £50? And yes £50 for the original wheel. Car would have been the only way to transport baby, and sorting a new schedule so my partner (also inconvenienced) could take the bus to work if I needed the car. I can only carry her so far; she is much heavier and also its difficult to carry a baby AND a full changing bag with all the baby bits inside. So either stay in or drive. I have been emailing [email protected] Its never clear exactly who I'm conversing with as they sign off 'customer service team'.
  15. Thank you for your responses so far. Urban Pushcahirs aka Bebylux aka Ainea International!!!!! I didn't want to sue a small business but I have tried so hard to explain why they should refund me several times. So I am fully ready to type this letter before claim today asap between my baby napping! I do have an account on Moneyclaim. I (we) fit the wheel myself, it clicks in and out quite simply. It wasn't safe to use the pushchair for 8 weeks under their advice, so few more car journeys and but also being stuck at home during the height of summer. Generally time consuming and energy sapping chasing them up and reading how little they care. Also embarrassing (informing and cancelling on socially distanced meet-ups) that it broke in the first place, as if it were cheap, old or second hand. Yes I just noticed they are revamping their website so its currently minimal. They are also on Instagram and post frequently. @urbanpushchairs
  16. Yes of course, (typed this way so they cannot search themselves and find this post, unless I'm being paranoid) Ur. ban. Push.chairs .com They make baby carseats under Beby. lux (all one word) And are registered at Companies House under Ain. ea (all one word) International ltd. Yes I have a paper trail (photos, all emails, never any phone calls). I purchased directly from them online after viewing at The Baby Show. I paid via Visa debit card for the pushchair initially. I paid via bank transfer (as requested) for the replacement wheel. I should add that they stated the words "Out of goodwill I can arrange this (replacement wheel) for £50 inclusive of delivery."
  17. Hi all, I bought a new pushchair in Oct. 2019. In March 2020 1 wheel snapped off while I was out with my baby. I was informed it was not faulty, just MY fault and to pay £50 for a replacement ASAP before the factories shut for lockdown the next day, so I did. In July 2020 I received a long email stating that customer's wheels had been snapping off, "please refrain from using your pushchair" and to await newly designed FREE replacements with "free delivery included." I received the 2 redesigned wheels and responded with an email asking for my £50 refund for purchasing a new dangerous wheel after they had admitted fault. After several weeks of being ignored and several explanatory emails to them, they now only agree to a £30 refund. Deducting £10 for delivery of the 1st (faulty) wheel and £10 delivery of the new pair of wheels. I will not accept £30. I now have to sue for my full £50. I must add that as a new mum I have found this exchange to be incredibly stressful and upsetting to deal with. Please let me know if a decision will go in my favour as I need advice proceeding with a letter before action/claim. Thanks for reading this far.x
  18. I'm sorry, I'm not sure. All I know is that I sold my flat in June 2014. I instructed my solicitors to pay off only the mortgage portion and they did. (I was then homeless and needed funds to survive and rebuild my life due to an abusive ex.) I never went back to that property so have no idea if I was ever contacted again. I have moved a few times since then but only now have registered to vote so am on the system. Thats all the information I have
  19. Hello, Today I received my first contact from NRAM in over 5 years. Next July will be 6 years with no contact - so approximately £13,000 statute barred unclaimable debt. (I sold my property and due to personal circumstances I could only afford to pay the actual mortgage and not the unsecured loan part.) What should I do? I have only recently moved and registered to vote, hence the contact probably Should I return to sender, no such name and ignore the letter? Should I open and read it? Only a few more months, I was shaking with anxiety when I saw NRAM on the return address. I thought I was nearly out of the hole Please help. Thanks
  20. Hi, thanks for your input. The debt is pretty much all fines for late payments accrued from when I was too young to understand being self employed. Tax Aid is a charity and have examined everything and I trust them, so I think I have to look towards what year I can actually pay this off! Due to the large sum, I'm just not sure how to approach the repayments within a reasonable amount of time. I feel I need at least 3 years! (sigh). Its gone past the collections team and onto the Task Force who have the power to seize money from bank accounts. So I need a plan. Thanks
  21. Hi, thank you for responding. Its mostly fines that date back to years ago but Tax Aid have thoroughly examined my accounts and already had several thousand cleared. I looked up DSAR. I have not requested this. I am not sure how that would help though. Thanks
  22. Hi there, I am self employed and have worked successfully with TaxAid to get rid of any fines, so I know exactly what I need to pay. The debt is about £9,000. How can I best negotiate with the HMRC Taskforce without taking the bankruptcy route? I have heard of asking for the debt to go into remission, which basically pauses it for a length of time. I can afford to pay about half of the £9k up front. But I don't receive a monthly wage, it comes in unpredictable chunks throughout the year. Does anyone have any advice about how I can propose a repayment schedule? (I will also try to get advice from Business Debtline. I do have other debt that I am paying £1.25 per month for but I am looking to write CCA letters to those debt collection agencies.) Many thanks for reading
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