Sorry,its such a long time ago I'd need to look out the paperwork, sure it didn't cost much tho' and I definitely got the money back, you could look at the HMCOL site and look for warrant of execution. Would have thought that as Harveys supplied the faulty furniture, you need to sue them. I was in the fortunate position in those days of having paid up front so not sure how the CC position would affect you but no doubt someone will be along to advise. My claim was in the pre-CAG days and all the court forms were filled in by hand and not with the benefit of legalise learned from CAG and I still won and you can too. You can use the HMCOL site to launch your claim, it all takes time but will be worth it in the end.

Hi Helen, I can only tell you about my own experience with Harveys some 7/8 years ago. Took delivery of dining room table with chair covers not as ordered i.e. wrong colour, still awaiting some months later when top of table started peeling off, their technician visited and agreed faulty. There then followed a long saga of me trying to get a replacement. One memorable call when I asked to speak to a Manager resulted in the classic comment - "All our Managers are out on the road!" Long story short, took photos of offending items, took them to the small claims court, won the case,they didn't even turn up, still wouldn't pay up but we sent the bailiffs in to one of their stores!

No need to write on that score again, presuming you did send by recorded delivery, they know the score and are just mucking about which is usual behaviour for them. As already suggested send in an SAR, they have 40 days to comply and you send them a postal order for £10. that should produce all the info they have on you, if they don't comply then you can send in a complaint to the Information Commissioner.

http://www.consumeractiongroup.co.uk/forum/showthread.php?291412-Cabot-Court-Claim-Received Post 15 might be helpful Fred.

Hi Honey, they have to comply with the SAR within the timescale or you put in a complaint to the ICO or raise court action to force them to do so. With regard to the CRA's you may like to look at the epic thread below to see Pinky's battles in this respect:- http://www.consumeractiongroup.co.uk/forum/showthread.php?196312-Invalid-Default-Notices

Its probably a bit early but usually another screen comes up showing the signature altho' its often quite difficult to read. It really doesn't matter too much as long as you have proof of delivery.

Its this, see link below:- http://www.consumeractiongroup.co.uk/forum/content.php?417-A-Subject-Access-Request-for

Hi Ancilla, Do you think the guarantee letter is valid and was it signed by both or either parent as Directors? You said in your original post that the company had gone into receivership, does this mean there were other creditors and is there an official receiver dealing with this. If so you wouldn't be able to make an offer without their permission as this would be seen to be favouring one creditor over another, the only one that has an absolute right over other creditors is every businessman's favourite i.e. The Inland Revenue. If the Bank is the only creditor then you could try the route you mentioned after all they would get more that way than if they pursued your folks to court and it was shown they could only afford a certain amount each month but you would have to make sure all this is in writing and seen as a full and final offer, as you say. Well done for your very supportive attitude to your parents at this very stressful time.

Sorry Ancilla, the answer is no - the clock starts ticking from the date of your request and is 40 Calendar days.

Sit back and stop emailing them. When their set aside application reaches court the DJ will decide whether they are entitled to pursue this course of action and you will be directed what to do. Frustrating as it is you just have to be patient and show how reasonable you are and how unreasonable they have been.

Thanks Dx, thats what I thought, me thinks they may owe me more than they offered without prejudice, oh goody!

Well the saga continues. LBA re SAR sent off about 10 days ago to Classic Confidence, no reply so another LBA sent to JD Williams yesterday. To-day received large envelope with big sticker on back legal department JD Williams, another lengthy SAR Request form with demand for £10 (already paid in 2008). Form contains such daft questions as "Have you applied for employment with any of our companies, if so which one?" and last page (no wonder catalogue is called Classic Confidence) For completion by witness (who should not be a relative of the applicant). OK JD Williams my patience is exhausted, will start legal action next week for an order under Section 7 and Section 15(2) of the Data Protection Act 1998.

http://www.consumeractiongroup.co.uk/forum/showthread.php?254011-wycombe-V-Restons-(MBNA)&p=3186201&viewfull=1#post3186201 Sorry I've taken ages to return, hopefully the link should come up, couldn't remember where I'd seen it til this morning - lol!

Well then they are still going to need a copy of the personal guarantee arent they? Definitely don't think of going bankrupt, as you have a joint mortgage as far as I'm aware they couldn't get a charging order, somewhere around there is a thread on this, will come back if I can find it. Hang on in there and try not to worry.

When did you sign it Skywalker? Before the limited company was formed?

Firstly, thank you for this thread Enron and Andrew, you've certainly given us food for thought, dealing with HFO on behalf of OH, no agreement and penalty charges even at the £12 rate of £600 which of course were never refunded. Citi at Derby keep sending him stupid letters telling him they have supplied his agreement so think we might follow your route Andrew!

Hi there, Have a look at this lively, long and interesting thread, quite a bit of lively debate going on, especially on the later pages. Have you also got a dodgy agreement as well? http://www.consumeractiongroup.co.uk/forum/showthread.php?196312-Invalid-Default-Notices

Thanks both I shall follow the advice:-)

Oh well, no takers, have had a look at the compound interest calculator and will go with their figure of 39.6% and get OH onto calculating this weekend, guess we will have to work it out on each monthly figure, also think I'll try and talk to the FOS on Monday as obviously they might have been applying PPI since 1997, in which case little wonder they wouldn't comply with my SAR!

Hi all, hoping someone can help me. Had an account with this company which was settled end of 2007. First Super Payment Protection made 12th August 2003 (from my statements) last after telephone/written complaint 11th April 2007. Requested return of PPI December 2007, they offered 50% of premiums paid in full and final which amounted to £258. (Quote Peace of Mind Plan) I refused this and they also refused to comply with SAR as I would not comply with their witness signature form. Last wrote to them in January this year threatening with court action but unable to use their letter offering refund as it is marked without prejudice. From my statements I have made the total of PPI £227.62 but have no idea of the interest applied around 2003 altho they have sent me a copy of "the agreement" of the type which I would have signed (ha ha) when opening the account in 1997 which shows their rate of interest as 39.6%. Also Total charge for credit interest £21.44 Interest calculated daily at rate of 33.8% pa. Can someone tell me how I should be calculating what they owe me?

Send Crapbot account in dispute letter http://www.consumeractiongroup.co.uk/forum/content.php?436-Failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.

Firstly you need to start with the basics, i.e. send them a request for the agreement (CCA request) template in library. Don't sign the letter, send £1.postal order. Send by recorded delivery then you can check on the Royal Mail site that they have received it and print out the information. They have 12 + 2 days to comply, if they fail to do so, this puts the account into dispute and you can if you wish stop paying. Also send them an SAR request which should give you all the details from your account, template in same place and same drill but with £10 postal order. They have 40 calendar days to comply and you may well be able to see all the charges. Good luck.

Ignore both Abbey and Moorcroft and send a complaint set our exactly as you have done here to the ICO. Obviously the terms to use are that they have breached the Data Protection Act etc by disclosing your personal information.

Are they still 'phoning? If so send them the letter in the post above otherwise ignore. If you haven't got an answerphone or just want to answer just say"in writing only" and put the phone down. With regard to their letter of drivel, ignore. Its your call but if I were you, I'd stop paying now.

Excellent use for their correspondence Alf, they didn't show up here at Muppet Towers, instead we were introduced to new friends i.e. Phillips Bailiffs and Collection Services,CCA'd and all gone quiet for a mo8)