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Realist

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About Realist

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  1. This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. I emailed them the following: Dear Sir/Madam ACCOUNT NUMBER: xxxxxx Re: The below email I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY. With reference to the above account, I request that you send me a true copy of this credit agreement before I will correspond further on this matter. This is my right under the legislation contained within section 77 (1) and section 78 (1) of the consumer credit Act 1974, and I am entitled to receive a copy of my credit agreement on request. Your obligation also extends to providing me with a statem
  4. This evening received the following email: Good Afternoon Mr xxxxxxxxxxx , Re. Agreement xxxxxxxx Outstanding balance: £509.20 Outstanding arrears: £25.46 We need to speak with you in relation to the above agreement you hold with PRA Group (formerly All In One Finance). If we could please ask that you contact our office on 0344 245 xxxx at your earliest convenience. Alternatively, please advise of a suitable time so we can give you a call. Regards, xxxxx xxxxx Robertson |Resolution Recoveries |Simpso
  5. So where they said to me via phone point blank NO with other options in fact that's against what the FCA has stated. So what do I do now? Contact them again?
  6. Extend mortgage company we are with don't allow this. Cannot borrow more house value low against amount owed.
  7. The guy mortgage advisor said he was whole of the market so I presume he has done all he can hence why I said only one company was interested. This is taken from their web site. We source our mortgage products from the whole of the market and also have exclusive deals offered through Legal & General mortgage club. So I presume we are stuffed
  8. Hi all, Have an interest only mortgage with 11 years remaining and our mortgage company we have been with changed us over to someone else. Well we need to sort this mortgage out asap and switch to repayment but the company that now holds our mortgage does not allow changes like this. We contacted a mortgage advisor whom finally came back to me today and said due to the amount of unsecured debt we have the only company whom looked at ourselves said no and now we are stuck up a creak without a paddle. Does anyone have pointers, advise etc. We have never missed a m
  9. But I cant remember the companies involved hence the question on a search.
  10. Where do I start I presume the beginning so here goes......... Me and the wife over the last 16 years have had numerous cards, loans, two mortgages etc but I don't have a clue if we have ever had PPI. Some accounts have gone via the dust (lost job) over 6 plus years ago so how can I find out the companies involved etc. I know we had cards with various banks like Capital One, Abbey National (thousands in charges they hit us with) and various loans and that's where I'm stuck on finding the info. Is there a list of companies I can sent a basic letter to and go from
  11. Also under SOGA it says What can you do if goods are not of satisfactory quality? If goods aren't of satisfactory quality you may have the right to return them to the seller and claim a refund. However, you may lose this right if you have accepted the goods. If this happens, you can still ask the seller for a repair, replacement or partial refund. In this case the OP has accepted the goods, he did 18 months and he refused a repair which was given to him so again what's the problem?
  12. These are the terms of contract signed for. So what's the problem other than milking the cow dry.
  13. 18 months is fine for any electronic/electrical item if manufacturers had any issues with their products their would be a outcry from day one and in this case its getting blood out of a stone and milk them dry. The SOGA is in place to protect the consumer and in my eyes the consumer has had the use of the product for 18 months and now its faulty they try and get a new item, its cry wolf and sorry this is why to many companies go to the wall. Anything can go faulty at any time so where does the buck stop? Manufacturers have warranties in place so everyone is speaking from the sam
  14. If every tom, dick and harry cried wolf 18 months 2 years etc etc down the line this country and its manufacturing industry will go to the wall and its the end user to blame for pushing their luck. At the end of the day where does it end, lifetime warranties, if it breaks we'll fix it and on and on it goes. We all like to get our monies worth out of anything we buy but the buck has to stop somewhere. Just accept a replacement even if it cost £30 and leave it at that.
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