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kevp

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About kevp

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  1. I purchased an Xbox 360 from Tesco Direct on 25th July 2009, had the dreaded red ring of death today 1st March 2010. I took it back to Tesco Direct today expecting them to exchange it; however they said it was not there policy to exchange and instead gave me a number to phone Microsoft to get it repaired? My question is: 1) Because the goods were just over 6 months old, should Tesco Direct exchange for new? 2) Or was it correct for me to have problem contacting Microsoft to get it repaired?
  2. I had a Debenhams card starting on 27/05/1999 which was with GE Money on this account was Account Cover Premium which I believe to be PPI. However in 2001 the account was passed to Lewis debt collectors were I continued to make reduced payments, and then in 2008 the debt was assigned to C L Finance my questions are: 1) Should I send my PPI refund request to GE Money/ Santander[original creditor] or C L Finance: 2) Are there any template letters for store card/credit cards I could copy to send for a refund of PPI; in the past I have sent for PPI refunds for fixed loans but this is a first for card/credit cards- Is the letter the same!!!!
  3. Has any one experienced problems with C L Finance trying to get a SAR?
  4. Hi sillysow just sent SAR other day to 6 Agar Street, London WC2N 4HR, dont worry i have put in complaint with ICO with regards to previous address, looks like i will have to do same if i do not here from these. Which address do you think i should send to if i dont here from 6 Agar Street? kind regards Kevp
  5. I had a Debenhams card before 2000 the original bank was G E Capital Bank LTD, however the debt was assigned to C L Finance – Lewis debt collectors in 2003 were I still make reduced payments. Who do I send SAR the original bank or C L Finance? I recently sent SAR request to G E Capital Bank LTD but after 40 days plus a reminder I have not had a response.
  6. Does any one know the address to send a SAR to G E Capital Bank Ltd with regards to a Debenhams store card, has I have seen so may address’s regarding this Company. I have tried this address but had no response: Trent house, Torre road, Leeds, LSS99 2BD
  7. Can any one help me regarding credit agreement responce from Barclaycard? I sent a standard letter from off the site to Barclaycard [the account dates back to 1994 by the way] the other week which stated has follows: by the way the account was with collection agents from 2000 till 2008, since 2008] it was took away from collection agents and a copy of an new agreement was sent followed by monthly statements, I still pay no interest on the account and they still accept the minimum payment that was set up in 2000. [is this because of the new regulations on agreements in 2007?] Dear sir/madam, This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request; the provisions of s.77 will apply. If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties. Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR). I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose. If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee. However today I received this response from Barclaycard: Dear xxxxxxxxxxxx BARCLAYCARD SERVICES ACCOUNT NUMBER: XXXX XXXX XXXX XXXX Reference: SECTION 78 of the Consumer Credit Act 1974 I write to you further to your letter requesting a copy of your executed Agreement for the above account. The information we must provide to you under the terms of section 78 is prescribed by the Consumer Credit Act 1974 and the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983. Under Section 78, we must supply you with a copy of your executed agreement and a statement of account which is practicable to refer. · The current limit on your account is £x,xxx.xx · The current balance on your account today is £x,xxx,xx · The next minimum payment of £xx is due on xx/xx/xx Please note, a copy of your current Barclaycard Credit Agreement will be sent under separate cover. You will be receiving your net statement shortly which will provide you with full details of your account. This completes our obligation to you under section 78 of the Consumer Credit Act 1974. Yours sincerely Carolyn Peacock Barclaycard Customer Services Along with this letter they sent a copy of a blank Application form, do I presume this is the so called credit agreement? Can any one help to what sort of reply I could send has I am sure they have not responded in the way the Formal request asks?
  8. I sent a standard letter from off the site to Barclaycard [the account dates back to 1994 by the way] the other week which stated has follows: by the way the account was with collection agents from 2000 till 2008, since 2008] it was took away from collection agents and a copy of an new agreement was sent followed by monthly statements, I still pay no interest on the account and they still accept the minimum payment that was set up in 2000. [is this because of the new regulations on agreements in 2007?] Dear sir/madam, This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request; the provisions of s.77 will apply. If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties. Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR). I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose. If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee. However today I received this response from Barclaycard: Dear xxxxxxxxxxxx BARCLAYCARD SERVICES ACCOUNT NUMBER: XXXX XXXX XXXX XXXX Reference: SECTION 78 of the Consumer Credit Act 1974 I write to you further to your letter requesting a copy of your executed Agreement for the above account. The information we must provide to you under the terms of section 78 is prescribed by the Consumer Credit Act 1974 and the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983. Under Section 78, we must supply you with a copy of your executed agreement and a statement of account which is practicable to refer. · The current limit on your account is £x,xxx.xx · The current balance on your account today is £x,xxx,xx · The next minimum payment of £xx is due on xx/xx/xx Please note, a copy of your current Barclaycard Credit Agreement will be sent under separate cover. You will be receiving your net statement shortly which will provide you with full details of your account. This completes our obligation to you under section 78 of the Consumer Credit Act 1974. Yours sincerely Carolyn Peacock Barclaycard Customer Services Along with this letter they sent a copy of a blank Application form, do I presume this is the so called credit agreement? Can any one help to what sort of reply I could send has I am sure they have not responded in the way the Formal request asks?
  9. My employer has had 3 weeks to say whether or not they are going to uphold my appeal, my time limit for a tribunal is up in three weeks time, what should I do now?
  10. what should a legal redundancy procedure be ? i am aware "at risk letter" should first be given.
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