Well done mate

Yeha I know rosie I used this argument with her. So if I bought a car and asked for bright red paint - and it faded - you would say that because it just faded you want do anything about it? I challenged on the cosmetic/usable item issue but obviously they were taught from a different dictionary to me!! They even tried to claim we had dropped the damn thing!! Well as the middle draw is only 1 foot off the floor how rubbish does it have to be to still break after it had been droped a foot (not that we had done this either)

They can still default you even if you enter into a DRP (Debt Repayment Plan) and that it doesnt mean a dot on your credit file so if you either pay or dont pay its not going to matter if you apply for credit. How much is your total claim agin? You said they are giving you until your claim has been settled = well there you go then you use your payout to settle your debts!!! If your debts are higher than your claim - you can still agree to make the £3 per month payment. There is still a way to get your Default removed via the court even if they do not cancelled each other out. This is what I had to prove to the judge when I went to get the CCJ removed! CCJ for £3200 charges claimed only £1400 I had to show the judge that as a result of these charges being applied I had gotten even further into debt - and he seemed to agree with me, but this, unfortunately, is not a preemptive move!!! Personnally I would still send the letter.

And me Dennis?????? Nice to see you still about hun - keep us up to date - you be ready for the Natwets bash in Cardiff!!!!

They did the same to me hun!!!! Enjoy!!! Mine was five in November so good luck!!!

Does anybody have an idea who the best person is to address this sort of blatent and belligerant abuse of my right to? I guessed a letter was in order. Anybody else sick to their back teeth of being treating like this!!!!

they always say this!

I bought a Fridge Freezer from Comet on 4th January 2006. Seven days ago the middle drawer in the fridge freezer splintered as I tried to open it. Not worrying too much about it I left the bits on the side for my OH to Duck -Tape or super glue back togther, after all you dont see the drawer when the doors are closed on the freezer. Then today my 18 mnth old daughter managed to open the freezer door and she tried to pull the bottom drawer out - guess what this drawer did the same!!!! Hardly brute force is it!!! This is not the first time I have had probalem with the quality of the plastic used in this fridge/freezer as back in the summer the door handle snapped at the screws off as we opened the fridge and the drinks cooler leaver also sheared off and perished - these items were replaced. But it begs the question should the plastic been splintering and shearing so quickly on a £400 fridge freezer within 12 months? Ok so the crux of the matter is this:- 1. Comet will not replace the drawer as it classed a a cosmetic item!!! So the fact that my £400 freezer is now totally useless because without the drawers holding the frozen goods in place they all fall out every time you open the door. 2. (Their words)If I had reported this yesturday - ie within the Manufacturers warrenty - they may have replaced the drawers but as Im 24 hours out of it tough luck!!!! Ok so after half an hour of explaining Comsumer Law and Satutory Rights to these idiots I have gotten nowhere except a sore head!!!! I am fuming about the cheep nasty quality of this item and in an ideal world would like the whole damn thing replaced completely with something of a much better quality but at the moment I would settle for a freezer with drawers that worked. The point is here - this could have been a lot worse as my 18 mnth old daughter could havce seriously injured herself when this sharp plastic shattered and Comet dont even seem to give a damn about this. I know the advice is going to be "Take them to Court" but come on guys......anybody got a better idea surely my rights here are so obvious Comet cant just turn around and ignore them? Anybody?

Hiya Westy - I got your Pm hun dont worry!!!!

To Confirm Date taken out of your account!! Keep at it!!!

Hi Cerise - Hope you got it sorted ok. Sorry I couldnt reply but I asked deller to post up my reply to you - so just to confirm you can pay the chaque into any account you want to as it has your name on it. It will not come back from the banking system my cleared in 4 days no problem!!! So have fun spending it honey!!!!! CONGTRATULATIONS

Ok no worries just amend the above letter to suit your own info and send it to them - we also have another letter drafted ready just in case they ignore this one ok? Nows not time to panic!!

hi im here but im on the fon give me 5 mins

oh dont you just love them..... i had loads of fun and games regarding this. you could start by sending them this letter Dear Account number Re: Formal notice to desist from processing or disclosing personal subject data Statutory Notice pursuant to Sections 10 and 12 of The Data Protection Act 1998 and Section 13.6, Banking Code. Further to your recent letter regarding notification of formal action regarding our account status, in relation to the outstanding balance of £245. Please note that this account is currently in dispute, and I have previously been engaging in formal correspondence regarding this matter with, Mr Mike Brophy, Head of Customer Relations, Barclays. Furthermore, his reply to my most recent letter dated 5 October 2006, will decide on my next course of action, which if the outcome is not positive will result in Court Action being taken against your bank. In light of this I am hereby, as per the date of the Royal Mail receipt on the envelop of this letter, withdrawing my permission for your organisation to continue to process and disclose any further information regarding me, my husband and the status of my account, to any external organisations. As you are aware, I am afforded principled rights under the Data Protection Act (Data Protection Act), Schedule 1, Part 1 ("The Principles") in relation to the manner in which my data is collated, stored and processed. After scrutiny of all the relevant legislation, including the Consumer Credit Act (As Amended), the various Financial Services Acts and the Data Protection Act, etc., it is clear that there is absolutely no legislation that allows a lender or supplier (e.g. Woolwich) to collate, process or distribute any other information unless there is express written permission from the data subject. Attached to this letter, is formal notification that this permission has now been withdrawn. In addition to the information above as per the Data Protection Act, I draw your attention to the following Statement from Section 13.6, Banking Code We may give information to credit reference agencies about the personal debts you owe us if: • you have fallen behind with your payments; • the amount owed is not in dispute; and • you have not made proposals we are satisfied with for repaying your debt, following our formal demand. As previously stated in this and my previous letter the amount for which you claiming is in dispute, and to continue to further process data from my account is in direct breach of the standards and codes laid down by the Banking Regulators. In this event, I shall expect a written confirmation from you acknowledging the contents of this letter within 5 working days, as per the requirements of section 15.3 of the Banking Code. Yours sincerely, ---------------------------------------new page----------------- Statutory Notice pursuant to Sections 10 and 12 of The Data Protection Act 1998. Data Subject Notice Bank Address Data Subject: Address: Whereas I have been a customer of Woolwich Bank plc and whereas I consented in my contract with you to the disclosure by you of certain data to third parties, at no time did I consent and neither was it within the contemplation of the parties to the contract that I did consent to the processing by you of that data in any manner which would be unfair or inaccurate or which in any way would breach The Data Protection Act 1998. Therefore, take notice that I require that you cease from processing within twenty one days of the receipt by you of this Notice, or else that you do not begin to process any personal data of which I am the subject insofar as that processing involves the communication or passing of personal data of which I am the subject to any third party and insofar as the said data relates wholly or in part to the implementation by you of alleged defaults or contractual breaches or breaches contrary to The Common Law. This Notice is given on the grounds that the processing or continued processing by you of the said data will be likely to affect my credit rating and my reputation and cause substantial damage and/or substantial distress to me and my family members in addition to that which has been caused to date. And that as the processing of the said data in the way referred to in this Notice would violate both the Principles and Data Subject’s rights of The Data Protection Act 1998, to do so would be both unwarranted and unlawful. Signed Mrs Muggins 11 October 2006 obviously you will need to read it and change parts of it to suit your own case. let me know how you get on coz we can sock em with another letter!! i doubt if they will listen though they didnt pay a blind bit of attention to me right up until settlement. Did you include anything on your POC re defaults notice??

Hiya Lex Just to let you know the Wooly argued with me that because I hadnt (correctly) included the interest in the total as Micheal rightly has shown you above and that they were not going to pay it. Im not saying this to scare you. As both my claim and the way micheal has shown you above is correct. Im letting you know just in case this is what they say to you - as you know I was settled in full with the interest in the end - funny that since they said they didnt have to pay it - now where have I heard that before - oh yes, that bank charges were lawful - thats right!!!

Muggins STOP You are causing yourself unnecessary worry. (But I remember it well when I was going through it) No you dont not need to amend your POC - this is exactly the run around cobblers are trying to put you through!!! Stupid rubbish word for word I had - except on mine the said they going to apply to have my case struck out as well - so I had a scary bit extra!!!! Dont panic You dont have to do anything now - Im not even going to waste our time by counter arguing each of the points you have listed as there is no point as they have baring on any court case as you will be settlled in "oh let me guess" about 2-3 weeks from now!!!! So just sit back and think of your cash!!!!

Sounds ok - but be warned I doubt if they will send you the cheque in part settlement - they probably say you have seven days to accept or they will withdraw the offer completely. Dont panic this is standard practice and you will just have to proceed as normal.

Although it does vary from person to person most people are being settled between 33 - 40 days after the AQ deadline! Bare in mind though if you get given a court date you will be settled before that. This is just an average timeline so please dont start typing up if you have been settled shorter or longer as it will confuse matters for other people.

Me too I stayed up late last nite so Ive literasllybeen flopping aroundhouse all day in jims jams I doubt if Im going to make midnight!! Well no excitement when you got little kids eh!!!! HAppy new year to all!!!!!!

Happy new year to everyone connected with this thread! Ditto - im too lazy to type now!!!

BOOOOOOo

I know hon I know!!! Other than that you will here at 3am in the morning!!!

I fit mine in around his work shifts - But when I go back to work in feb I know its prob game over for me as well

I know they should do a survey in the bear garden how many people have been made single since joining CAG?

I know but like I keep saying it better to ask a thousand times and get it right then not to ask and get it wrong!!!! Really i dont mind being asked and if I dont answer you straight away just send me a PM to draw my attention back to your thread as I check for Pm throughout the day. Any queries you have will be answered on thread for you then!