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ludlum

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About ludlum

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  1. HI.I recently (May 2013) wrote to NRAM using a fomal letter found on this site making it abundantly clear, citing all relevant legislation that as a result of thir actions / inaction I did not wish to communicate by phone and would only communicate in writing. My letter went on to confirms, again using the relevant legislation that I requitred them to remove my phone numbers from their system.This month, I made a written complaint as they had inadvertently placed my account inot arrears despite the fact that my statements clearly show that I have paid the correct amouint each and every month.
  2. Hi. I recently purchased a used car from a garage some 85 miles from my home address. Within a couple of weeks I noticed a knocking and some steering issues. It's a Volvo v70 d5 2005 with 220,000 on the clock. I had the car inspected by an independent garage and also tasked a main dealer specific to the vehicle to carry or a full check. They confirmed the following. NSF lower ball joint incorrectly fitted and stub axle damaged in process Failing lower gearbox engine mount (causing knocking) PAS fluid leaking severely from steering rack Air con condenser corroded
  3. Hi. I have been merrily paying off my Egg card at an agreed rate for a couple years now via the CCCS, It was about £6000, now about £4500. I am sure they have enough documents to make the debt enforcable etc.Now that Barclacard have swooped in and taken over without any please or a maybe...! What am I likely to expect in the future form Barclaycard? Are they likely to follow Eggs example of cooperation and allow reduced payments in line with recommendation from CCCS or are they likely to start being a pain.Egg have so far refused to consider reduced settlement offers as they say no to that
  4. Hi. Recently had to drive my Wife and Son to St Thomas' Hospital in London and collect them two days later so I knew I had two charges to pay. I between all that, I was also working nights so literrally got home on both occasions and went straight to work. My intention was to wait until I was in the land of the living and log on to TfL and simply pay both at the same time. I honestly had no idea about the rule over having to pay that day or by the following day and a was simply going to pay when I got back out of nights and could plough through some home admin. By that time I h
  5. Kinda thought it would go this way. Bloody XW! Anyway, have constructed a letter of apology to HR explaining all the mitigating circumstances and the fact that any alleged breach was insignificant as the recipient already knew the infomation, and the infomation was willfully gained in order to use it for personal gain etc etc. Plus, the fact that it is intended not to counter-complain about any of the staffs / managers actions or inactions. Also, have put in letter to agree to carry out any appropriate refresher training on confidentiality issues. Hopefully it will be a sm
  6. Unfortunately, a statement has been written to the effect that my wife did indeed inform me of said patients attendance but only because of what had happened and how upset she had been made to feel. We all knew that my XW was going to this particular ward so it was no secret or surprise. It does get a bit more complicated though, we did email my XW and ask her to expand on what she had siad, why she had said it and what she sought to gain from all this. We also stated in email that if she had such an issue then she could have gone elsewhere (as this was an elective case) instead of
  7. Hi there. My wife works in a hospital and had the misfortune to bump in to my ex wife who was there as a patient. My wife had done all she could to avoid her but basically, my ex wife had said something about my wife to staff to the effect of "she must not come near me or my family because of an ongoing disupte". We are not sure what she meant by that to this day! Bearing in mind my Son from said previous marriage spends a significant amount of time with us. When my wife, innocently arrived on the ward to start work, the staff were basically treating he as if she was a cri
  8. No, its HItachi Capital Finance which optical express used for laser eye surgery costs. Also, the debt with Chafes Solicitors has gone down the CCJ route. Can you offer and clear a debt with a reduced F & F it is a CCJ? Thanks.
  9. Hi. I have a DMP through the CCCS which has been running for well over a year and have started to investigate early settlement offers. Would someone be able to advise what I should offer and what is likely to be accepted be the following creditors and balances.....many thanks. First Direct Loan 10 671 Egg Credit card 5532 Chafes solicitors (took on debt from santander finance) 5148 MBNA credit card 3438 HSBC credit card 3170 Hitachi capital finance 2552 If anyone has had experience of these particular creditors and the types of figures they accept as reduce
  10. Will bear that in mind, but in my case its defo a split in one of the parts on the EGR system.
  11. CCCCCRRRRRAAAAAAZZZZYYYYYYY! Spoke to the dealer and advised him that it was a non warranty item that would costs £232 to repair, a small percentage of the value of the car hence I requested he pay for the full amount. He replied "I dont see why I should have to dip my hand in my pocket" to which I replied "well neither do I. " He then said, "to be honest, £4500 is nothing to me to I am quite happy to give your money back" to which I replied, "if £4500 is nothing to you, then you should have no problem funding the fault with the car you sold me" After a few words exchanged, I said "look, we ar
  12. CCCCCRRRRRAAAAAAZZZZYYYYYYY! Spoke to the dealer and advised him that it was a non warranty item that would costs £232 to repair, a small percentage of the value of the car hence I requested he pay for the full amount. He replied "I dont see why I should have to dip my hand in my pocket" to which I replied "well neither do I. " He then said, "to be honest, £4500 is nothing to me to I am quite happy to give your money back" to which I replied, "if £4500 is nothing to you, then you should have no problem funding the fault with the car you sold me" After a few words exchanged, I said "look, we ar
  13. Problem is, its otherwise a really nice car, immaculate condition inside and has had full main dealer service history. Ive looked all over the place for a diesel estate in good condition that I can afford and does not mean travelling across the country to look at etc. I have not long been through a similar problem with a garage whereby I had to tell them to take the car back and give me a refund. i was delighted when I found this one and it will be such a shame if I have to start from scratch. If the law is on my side with them having to pay for repairs then hopefully that wi
  14. Hi. Some good info. There is however, loads of exhaust soot all over the outer shell of the turbo. would this be as a result of what you mention .
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