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Everything posted by SpeedyCBR1100

  1. If Andy is correct, that you have received the judgement amount but without costs or interest, then simply write to the Court, addressing your letter to the Judge so it does go in front of one. I did exactly this and the Judge made an order that the other amounts be paid or the judgement would not be satisfied.
  2. I still have the SAR requests in progress. When I see them, I should be able to tell whether they have a case. In the interim it may cost as much as £30. I judge that to be worth the lack of pressure.
  3. Why do you question the wisdom of paying them? Andyorch on the previous page advises exactly this course of action. To me, it removes the hassle (see what I did there) of it hanging over my head. For your further information, it was done by mail and I have their confirmation in writing.
  4. Just to close this, thank you for all your help. I did panic a little when I got the first threatogram and you helped to allay my fears. WH have agreed to accept a small monthly payment and I'm not going to argue. Thanks again, but I will leave the SAR's running and will get back when I receive the results.
  5. Hi again. I've received a letter from Cabot which states they can't provide any information unless I send them a copy of photo id. Can they do that? I sent a copy of my current council tax bill and a copy of the letter from WH with the SAR.
  6. I wasn't criticising, Andy. I'm new to this and I am grateful for your guidance.
  7. I'm pretty sure I was paying Cabot. I had a phone call from Cabot at the beginning of last week in which I told them I was happy to cooperate but would prefer to do so in writing. It was after that I received the letter from WH. i
  8. OK. I've prepared the SAR for post on Monday using the template from here. God, this place is useful,lol.
  9. It's about 3 years since I moved. I didn't give them my new address but I kept an eye on my credit file because of activity from my ex. I saw my address change on there so I'm sure they could too. I'll contact them on Monday and ask for statements. Thanks for the advice.
  10. The payment was set informally between Cabot and me. I don't remember how much the judgment was for and I've no idea how much I've paid off. Should I ask them?
  11. Original debt was a Morgan Stanley Dean Witter Credit card from Sainsbury's Bank. It was in joint names and went wrong during a divorce. I'm an OAP with only the state pension as income. I own my house as I sold a house in the South East and made enough to do so.
  12. I presume it was, but at the time I was also going through a messy divorce, so I don't know for sure. I also don't know how I can check. There's certainly nothing on my current credit record. They actually say in their letter, "The details of the judgement have been entered on the Register of County Court Judgements. It will stay on the Register of Orders and Fines for 6 years." Perhaps I'm reading too much into that sentence and it has been and gone. They then say that if I do not contact them within 7 days, their client, who is Cabot, has instructed them to commence enforcement action.
  13. Just to finalise this, DX100uk was totally correct and Ikano Bank did not try to wriggle out of their responsibility. The correct thermostat is now fitted and all is working correctly.
  14. I had a problem a few years ago and was paying a small amount of money to the above for a debt following a CCJ in 2007. I was forced to retire following a motorcycle accident and I receive only the state pension. I sold my house in the South East about 3 years ago and moved to Derbyshire where I am from originally. I've been waiting to be contacted by the above and I received a letter today. They are threatening to enter the 2007 judgement on the Register of County Court Judgements. Can they do this after all this time? What other steps should I take? The debt is not statute barred as I was paying towards it until July 2016. All help gratefully received.
  15. Last November I had an air source heat pump fitted by a company called Heart from Doncaster. They quoted, I accepted and they did a good job on the installation. As part of their package I was offered an opportunity to delay payment by one year for a fixed sum of £49.00. This seemed like a good deal as the total amount of the job, including all new radiators, lots of new pipework, new tanks, etc., etc. was £14,650.00. As I qualified for renewable fuel payments of £10,500 over 7 years, I was quite happy for my old back boiler to be removed and the new kit fitted. This deal was with Ikano Bank. There was, at the time of installation, a shortage of Mitsubishi remote controllers. I have verified this with Mitsubishi. They actually arrived in the UK at the end of January and since then I have been chasing Heart to supply one. I called today to be told by a recorded message that the number was not recognised and further investigation reveals that the company has gone into liquidation. The part in question is about £200 and also needs professional fitting to link it both to my network and to the main controller. Are Ikano in any way responsible for this? Do I have any comeback at all? All suggestions will be gratefully received. Please let me know if you need further details.
  16. I believe I ride MORE carefully when I'm carrying a pillion. I seldom filter in those circumstances. One mate went to sleep on a trip from Luton to Sheffield. I would accept that any claim may be larger if a pillion was on board as there may be 2 sets of injuries but, in my own experience I honestly cannot remember an accident where I was at fault. (Touch wood.)
  17. Hi. This has become a talking point between me and my biker mates. Why are we asked to pay pillion insurance? My full bike licence entitles me to carry a pillion, and I do not need an insurance company's further permission. Car drivers are not asked to pay for passenger insurance. Several of us have asked our insurance companies, normally at renewal, what this is for. Answers range from "It's illegal to carry a pillion if they aren't insured seperately" to "It's so we can represent the pillion if they are injured." The first is obviously wrong, the second raises so many further questions that it is untenable. Would they really represent the pillion against their own insured if the insured were at fault? I know that drivers/riders can be liable if an injury is caused by their actions. We just haven't been able to find a definitive answer and I know that several people believe that it's just another way to get a few extra pounds from us. Thank you in advance for any interest.
  18. On November 21st, 2017 I purchased 2 HTC 10 mobile phones from a seller on Amazon Marketplace. The phones were sold as new and unlocked. The phones arrived in early December and I gave one to my son for Christmas and kept one for myself. Last week, on April 26, my son reported that he was having a problem in that his phone had started switching itself off at about 3% of battery life but that this was getting worse and it now switched off at 20%. In addition the "touch" icons on the right hand side of the screen had stopped responding. I instigated a return with the seller, but that was refused on the grounds that it was now outside of his return period. I called Amazon and was told that I was entitled to a warranty from the manufacturer. I then contacted HTC who checked using each phones IMEI number and it turned out that the phones had originally been sold in the USA and "shouldn't have been sold in the UK", and that the phones were registered for warranty in the US and that one year warranty had ended in August 2017, some 3 months before I had purchased them. I have been back in contact with Amazon and have explained all this to them. I am supposed to have a warranty from Amazon that covers me in the event that the phones are not as described, which they obviously are not, and the matter is currently under investigation. The seller is registered as a sole trader with an address in Liverpool. There are several limited companies at the address and the seller appears to have no connection with any of them. The seller is currently active on Amazon. My question is, should I be more proactive in this matter? If so, how? If anyone needs further information, please ask.
  19. Just to tidy this up, I bought a new Panasonic HDR/4k/3D 58" TV with a 6 year warranty and a Panasonic Blu-Ray/HDR/3D player, with an optional 6 year warranty for the broken TV and an additional £300.00. They made it plain that I could have had a TV with the same features as the broken one for no additional charge and, in fact, I would have gained because that would have been a 58" model whereas the broken one was a 55" TV. I received my deposit back with no problems (less the additional £300 I spent) and, all in all, I am pleased with the outcome. I appreciate BankFodders advice because I literally had no idea how to workout what I should have been getting.
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