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About DickyRobbo44

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  1. Yeah I saw the Olton TV name, looking at the public records it looks like that company is dissolved. They seem to all link to the same address. If you ring the Solihull number, Worcester number etc they all divert to the same number. Value of the TV, I guess not repaired £50-£100,repaired £200-£250.
  2. Hi all, Hope this is the right section. My 49" Sony Bravia TV stopped recognising all HDMI ports. I looked for a local repair company. F ound the following; http://www.tvrepairsworcester.co.uk/ They offered a no hassle free quote. They came and collected the TV. I asked for a receipt when he appeared to just be leaving. He asked for my email and inputted it onto his handheld device. He said I would get a confirmation email. As soon as I closed the door I felt I had made a mistake. I took a picture of the van reg. The email never came. Things progressed as normal however, they rang after a few days, main the main board was faulty. They said however the part was rare, and even a used one was £180+ just for the part. As they offered free quotes, I asked it to be returned to me. That was now 6 weeks ago. My phone calls are being ignored, when I do get through (usually by using someone else phone) they promise to bring it back Monday, or Wednesday, then I don't hear again. I'm not desperate for the TV, being an android TV it could have been off use still and I would look to source a second hand main board at some point. Its not the point though, its mine, I want it back, I don't want this abysmal company to profit from this. Can I ring 101 and report to the police or is this just something I have to accept? I would go and knock on the door but the street view of their address doesnt look like a shop of any sort. Any advice would be great!
  3. He has a small credit card debt, a current account etc, a car, possessions etc but no property. I've been through all his documents, found a life insurance plan he mentioned but cannot find a will. Is there anyone I can contact to find out? The money I'm sure would have been from a death Inn service payment for his wife, my step mum who died last year. Why he drew it out in cash I don't know, he's a bit old fashioned like that. One question I have, I'm still waiting to hear from the coroner for the cause of death. He was driving at the time, he was driving on the motorway, veered and hit the barrier at low speed. Should I contact his car insurance on his behalf. Can a claim be made? Its the least of my worries but its more that I will need to get it collected from the police at some point.
  4. Brill I will ring the bereavement advice number and see what they say. Looking at his estate (no property) I don't need to apply to be an administrator or require probate according to the citizens advice guidelines.
  5. Hi all, looking for some advice as I can't find a straight answer. My dad recently past. I'am the only next of kin. I haven't began probate or truly understand what it is. What I do know is my dad has a safe in which he has cash of approxamatly £50,000. My question is, should i just be able to deposit this into my bank account? Do I need to declare it in the probate process and wait till they say I can? I'm worried about leaving that amount in an empty flat and want to get it safe in the bank. I obviously want to make sure I'm legally doing it though so worried they may say it's not my money technically yet.
  6. No signed 2016. Does that mean I've done something wrong?
  7. So I sent this on 15/11 without the "XX's", I have received no reply. I was a bit preoccupied (family member died). Whats my next step? Letter before action? Dear Sir/Madam Following media reports, and an investigation into credit card charges by the Office of Fair Trading, which I have recently been made aware of, I now understand, that the regime of fees which you have been applying/applied to my account in relation to late fees, and over limit charges, are unlawful at Common Law, Statute and Consumer regulations, in that they did not/do not, represent a genuine pre-estimate of your actual costs. I would draw your attention to the terms of the contract which you agreed to at the time that this account was opened. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law, and in consideration of fair business practices and good faith. It is my contention, that you have failed to operate my account in a manner conducive to the above, and have demonstrated a lack of fiduciary duty. I calculate that you have taken £XXX which you have charged me in total. Additionally, you have entered an arrears notice against my credit record. In recent years, Courts have been happy to accept claims for charges whilst having regards to the precedent set between KLEINWORT BENSON -v- LINCOLN CITY COUNCIL under section 32 © of the limitation act 1980. Should county court action be needed I will be seeking to rely on this. Therefore this letter requests a refund of all charges indicated 14 days from the date of this letter. I request that payment is made directly to me, by cheque, and that any refund in whole or part should not be allocated to any set off or third parties. Should this occur, my claim will be deemed as unsettled and I will proceed to the Courts for recovery. You now have 14 days to respond positively, and in the absence of this, I will put you on notice with a further 14 days, letter before action. I trust this clarifies my position. The unfair penalty notices were charged on; July - £XXXX November - £XXX Yours Faithfully
  8. This is the response I received. Is there anything I can go back with. Basically they are saying because I agreed to the contract I agreed the charges were reasonable. Dear Mr XXXXXX Reference: XXXXXXX Ref: XXXXX Thank you for discussing your complaint with us and giving us an opportunity to look into the issue for you. We are sorry that you remain dissatisfied with the outcome and trust the explanation below explains the reasons for our response. Your Complaint • You said you were dissatisfied with the amount of the direct debit rejection fee and said that you feel £22 is very high in relation to your instalment amount and therefore wanted this justifying Our Position I am really sorry for the inconvenience and distress that you have felt as we always want all of our customers to have a positive experience with us. Having reviewed your account, I can see that your direct debit rejected on our system on 16 June 2018, 26 June 2018 and 14 November 2018. Based on this your account fell into arrears and caused charges to be allocated to your account. I understand that you contacted our offices and expressed dissatisfaction in regards to the fees that had been applied. In regards to the details of your complaint, I would refer you to a copy of your finance agreement under the section “Additional Charges” whereby it details the following information “Charges will be payable under this agreement in the following events: • Recalled Direct Debit Charge; £22 • Returned or Recalled cheques or credit/debit card repayments; £25 • Letters sent to you as a result of a breach of your credit agreement; £25 • Issue of a Default Notice; £50” If you were unhappy with the terms and conditions you were provided full rescission rights; whereby you had 14 days in which to exercise your right to withdraw from the finance. No contact was received from you and the finance was activated as agreed. Although I appreciate that you are unhappy with the terms the general legal position is that someone who accepts a contract is bound by what it says whether or not the contract has either been read or understood before it was executed. Once again, I would just like to thank you for taking the time to share your feedback and remind you of how sorry I am. Outcome Taking into consideration all of the above, I will not be able to uphold your complaint and will now close the file. I apologise if this is not the outcome you wanted, however I hope you will find my explanation to be fair and reasonable. Thank you for taking the time to bring this matter to our attention. At Hitachi Personal Finance we strive to provide the best customer service possible, and rely on customer feedback to achieve this. I trust if you have any issues in the future you will not hesitate to contact the Complaints Team on 0113 380 1065 or by email, complaintsteam@hitachipersonalfinance.co.uk This is our final response in respect of your complaint. If you remain dissatisfied with the outcome in this matter, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge - but you must do so within six months of the date of this letter. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances. Please click on the link below to access The Financial Ombudsman Consumer Leaflet. Should you wish to have a paper copy, please contact us and we will arrange for this to be sent to you directly. http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm The link below will provide you with information on how to refer your complaint to the Financial Ombudsman Service. Please copy and paste the link into your web browser. http://www.financial-ombudsman.org.uk/consumer/complaints.htm Yours sincerely
  9. Thanks for the quick responses. Is there a template letter for unfair charges I can only find one relating to bank charges?
  10. Hello all, Unfortunately I was made aware there wasn't enough money in my account to cover a DD to Hitachi. I put money in the account on the same day but it must have been too late as the payment was returned later that day. The next day I have rang up to make payment only to be told there is a £22 charge which is automatically added. Do I have any grounds to claim this back. The credit payment is £25 a month is seems unjustified that the charge is nearly as much. I asked them to clarify what the charge was for but the kept referring me to the contract I signed. This happened 3 or 4 months ago, same scenario, same charge but I think I even rang and paid on the same day but still got charged. Can I claim that these charges are unfair and try to reclaim them? Thanks
  11. Hi all, Can someone please help. Around a month ago I completed a purchase for a £195,000 shared ownership property for which I purcahse 40% shares in at £78,000. Over a month after completing I have recieved an email from my solictiors claiming that HM Revnue and Customs have notified them that "Stamp Duty of £222 falls due on the rent aspect of the new lease. Unfortunately this was not taken into account on your completion statement and is therefore due and owing to them." A few queries on this. Do I have to pay stamp duty being that my share falls below the threshold? Is stamp duty applicable to the rent aspect of the agreement? As far as I was concerned this was all done and dusted now I get this lovely email right before Christmas. Any help greatly appreciated.
  12. I'm going to get her to ring up and go through the budget over the phone with them. Even her paying minimal upkeep to the house she cant afford the repayments. What I also forgot to mention here is she got some bonus last year (small, £50 a time) and they have calculated that as a benefit overpayment of £800 so that along with the CCJ will be the priorities. So with the budget complete with the help of NDL, Im going to offer token repayments to all debts except benefit overpayment and CCJ. Do I still contact the DCA regarding the CCJ? There probably is admin charges etc but I'll deal with those another day.
  13. Her current position is she works 16 hours and is on benefits. We have a son together. I have bought a house and she will be moving in, will be off benefits and at college/university and working part time. Very taken out 09/03/12 Kay and co 04/01/12 Littlewoods 26/11/11 So when she's doing a spread sheet budget, what will she put for rent etc as she will be living with me? We will be basically splitting our combined income in 2.
  14. Hello all, Firstly I would like to say what an amazing forum this is. I got out of debt, I've now got a mortgage and new house ready to move into. People need to realise there is no quick fix for credit files. Now, my partner. We are in no way financially linked by the way, no joint credit, accounts etc. She has a terrible mess of a creit report which I want to help her with to get back on track so she can get on the mortage. Debts with, amount owed etc are: Next Directory, £121 Defaulter on 18/04/14 Lowell (Very), £183 Defualted on 07/01/14 Lowell (Kay and Co), £365, Defaulted on 07/08/13 Lowell (Littlewoods), £762, defaulted on 23/08/13 Lowell (o2), £593 defaulted on 22/02/10 (removed this Febraury) Lowell (3), £602 defaulted on 06/11/09 (removed from file this Novemeber) CCJ for £382 02/07/14 not sure what that is for. As you can see, a mess but we want to start sorting it out so in 5/6 years time she will be debt free. Where would you start? Obviously dont want to stir the pot and awaken Lowell to the accounts that are nearly expired. Ideally she wants to pay a small sum to each one to start repaying, is this the best option or would you advise a different method?
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