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just_jue

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Everything posted by just_jue

  1. I had to have a complex extraction done and my NHS dentist recommended me to a different dentist (non NHS) who said that it was possible for the NHS dentist to do and was only charged the £70 charge even if it went to the different dentist.
  2. Why can't you ask for a copy of the agreement and see if it was filled out incorrectly? If so then claim back for insurance etc.
  3. I thought that the 'Yes car credit' agreements were all wrong legally as they used any deposit incorrectly and they had to refund all buyers or was that another company?
  4. Hi, thanks for the replies. BF no they just said that they got identical two prices and went ahead and brought them without seeing if we could get them or provide invoices. They have supplied photos of the flat and parts that needed cleaning etc but not of the shelf etc just put items to be replaced at cost. On the original inventory when my brother moved in there is just a list of the flat no photos of anything unlike when he moved out. Bearing in mind that he had been in hospital for over 4 months and unable to do much for a few months earlier I think they are being very petty. I don't know what deposit scheme was used I will try and find out.
  5. Hi, my brother has been diagnosed with cancer and been in and out of hospital since August last year. The hospital were reluctant to let him home as he lived in a top floor flat . His son managed to get him a down stairs flat so didn't renew his lease on his previous property. He had been there 2 years and paid upfront for his rent so was never behind etc. The letting agent are not releasing back his deposit as they are saying there is a shelf and egg holder missing from the integrated fridge along with a few marks on the wall due to my brother having a dart board. We accept the marks but my brother never used the fridge as he had his own that he used. The agency are saying the items were a specific size and not easily to get hold of, and want to charge him £115 for these parts !!! They are also saying the ice tray is missing but wont be charging for that (how nice). The parts have been replaced by them. Why my brother would of taken them if they would not fit anything else is beyond me. Is there any thing else we can do or just swallow the extra charges?
  6. We had a similar experience with Big Motor World and with the help of DX & Bank Fodder was able to return the car and cancel the finance. They do make it a hard as possible, just stick to your guns and hopefully it will get sorted for you.
  7. We got an independent report done and sent in the rejection letter, also take photos of any error messages on dashboard etc.
  8. My daughter brought a car from the West Malling branch and had similar problems with engine light etc. With help from DX and Bank Fodder we managed to return the car and cancel the finance, they do try and stall you and cause problems but they are not the easiest to deal with when you report a problem. Hope you get it sorted.
  9. Car dropped off at the auction today, took loads of photos of inside and out. Lets see what they try and complain about when it sells? But as they put in their 'independent' report before it will be fair wear and tear for a vehicle of its age.
  10. Said that we would drop it off, but they won't give us the address until we ring and book it in even after we told them we would drop it off. Just being stupid now I think
  11. I was thinking something along these lines: Thank you your recent email it’s content has been noted; Under s99 I am entitled to voluntary terminate this agreement. I am not liable for any collection charge, I am prepared to return the vehicle to the garage the car was purchased from. In your definition of good repair you say the paintwork trim must be original as at a time of purchase, can you please supply the exactly list that was made at the time of purchase so we can double check. The vehicle has a valid MOT certificate. As I have sent correspondence regarding this matter no further payments will be made.
  12. Exactly what I thought but they won't get the collection done without the £80 charge paid first, we could deliver it to the garage that sold it. Going to draft a reply this afternoon.
  13. Thank you: Sent in the VT letter last week and just had this email back: " Please read the full contents of this email carefully. Further to your recent enquiry regarding the voluntary termination of your above numbered agreement, please find below important information outlining the required arrangements. Upon termination of the above agreement you will need to pay: 1. The outstanding arrears on your account (applicable if already paid 50% of the total amount payable) = £0 2. At least one half of the total amount payable as stated on your Hire Purchase Agreement. This sum takes into account payments you have already paid, any deposit you paid at the start of the agreement and any arrears not shown in (1) above = £0 3. Any outstanding collection charges = £0 The total you will need to pay under this section is £0 If you purchased any insurance products, other than GAP insurance, at the same time as your motor finance and they have not already expired, they will be cancelled upon termination and a pro-rata refund will be applied to your account. In the case of GAP insurance the policy will be cancelled upon the termination of the agreement and a pro-rata refund will be applied, which will mean that no further sums will be payable (other than arrears) in respect of the policy. Any other outstanding sums (e.g. payments for expired policies and/or any overdue installments) will remain payable under the terms of your insurance agreement. In order to settle the insurance element of your agreement and claim any rebate to which you are entitled, you need to pay the amount set out below. This will also ensure that you have no further liability under the insurance element of the contract. The amount required to do this is £0 Less Rebate £0 Total amount payable under this section £0 Condition of Goods The goods must be returned in a condition commensurate with their age and mileage, both mechanically and cosmetically. Should the goods not be in this condition when returned you will be required to pay to us the amount required to return the goods to such condition. This amount will be in addition to any sums detailed above (please refer to the terms and conditions of your Hire Purchase Agreement). Our definition of good repair and condition is that the vehicle must: Require minimal refurbishment to be ready for resale Have a current MOT certificate or require little or no work for the issue of a new certificate Be free from mechanical or body damage Be in its original paintwork, trim and specification (as at the time of purchase) If you are in any doubt as to the condition of the vehicle, you may choose to obtain an independant report from an organisation such as the RAC or AA to confirm the above. The goods must be returned to us within 21 days of this email to complete the Voluntary Termination. In order to obtain details of our nearest agent to you please contact us on 01472 570610. Alternatively, we can arrange for the goods to be collected from your address. An upfront fee of £80.00 will be payable for this. Alternatively you may opt to Voluntary surrender: You may return the vehicle to us on a voluntary basis and it will be sold at auction at the best possible price. Net proceeds from the sale will be credited to your agreement in order to reduce the outstanding balance. You will remain liable for the remaining balance and an arrangement will be needed to settle this. The outstanding balance on the agreement is currently £4869.5. Without knowing in advance the actual price that the vehicle will be sold for, it is difficult to set out exactly what your remaining liability is likely to be, however it is estimated that the vehicle, depending on mileage and condition, would be sold for around £2488 (after costs)*, leaving a potential shortfall of £2,381.50. You should be aware, however, that this is an estimate and cannot be guaranteed. Any shortfall may be reduced with an interest rebate if the agreement is settled early. Should you decide on this option please contact us and we will make arrangements for the return of the goods. * In some cases it may not be cost effective to surrender the vehicle where the costs involved may be greater than potential sales proceeds. Please contact us for further advice. We look forward to hearing from you. Yours sincerely, Advantage Finance Ltd." It reads a load of rubbish, once you have paid the 50% the car is the final payment any shortfall is not liable. Also when I have done a VT before I have never been charged a collection fee Thanks JJ
  14. Hi, My brother has been in hospital since the 23rd August, and we have been trying to claim back the council tax he has paid, he lives alone and get the 25% discount already. It seems that you cannot claim for the first 6 weeks, but after contacting his local council (Tonbridge & Malling) they informed us that he cannot claim any other time back until he applies and is accepted on PIP, I can't see this listed anywhere online and just wondered if this is right. Also is PIP means tested and my brother does have quite a bit of savings. Thanks again
  15. I've just had the SAR back from the bank I used at the time and the last payment was made on the 10th June 2018 so 4 months before the default was registered is that right?
  16. Attached is their response. Any ideas on what to do next as seems they strung it out as long as possible. 1-merged_compressed.pdf
  17. I had a similar problem when I left a car with a garage. It was stolen and they tried to shirk responsibility. It is in their care and they are liable for any loss or damage. Luckily I did manage claim via their insurance but they wasn't happy. Have you spoke to your insurance company?
  18. If the seller had used eBay recommended service for returns this would of been a pre-paid label which would of been Tracked 48. After reading the messages the seller sent a standard 2nd class label which doesn't have an option of any tracking and only covers for loss of upto £20 (which the purchaser of the label can only claim not the sender) so the buyer was right to stand their ground wanting a tracked service for peace of mind. The seller refunded the buyer not eBay so they chose to refund and wasn't automatically done through the escalation option. I would go down the seller accepted eBay terms and refunded according to this terms which state that Give a full refund – The buyer will receive a full refund, including original postage costs, and they'll keep the item. This is a good option for low-value items. I have attached a screenshot of what the sellers option were re.pdf
  19. After reading the PAP I cannot see how the seller can win any claim, they agree to eBay terms and conditions when they sign up and refunded the buyer off their own back not forced by eBay. The buyer seem to have tried to send the bag back but for some reason the return label never worked. I do have a feeling this might be the start of some type of scam, I wonder how many people who face getting a letter like this would blindly pay to get it to go away? Correct me if I am wrong but if the seller did start legal proceedings I thought the buyer could have it heard at their local court and not travel to London?
  20. Hi DX, yes the options are (for businesses) : Return postage label either buy one through eBay or upload your own or Refund - offer partial refund 'buyer get to keep item' or Refund - Buyer gets to keep item. Here is on the ebay terms and conditions: Your options for responding to a return request Your options for responding to a buyer's request depend on the reason they're returning the item, and the return policy you stated in your listing. The buyer received the wrong item, it arrived damaged, or it doesn't match the listing description If a buyer received the wrong item, it arrived damaged, or it doesn't match the listing description, the purchase is covered by the eBay Money Back Guarantee policy, they can return it to you, even if your return policy states that you don't accept returns. If you don't respond to the return request, we may refund the buyer and seek reimbursement from you, without requiring the buyer to send the item back. Here are your response options: Upload your own label – The buyer will send the item back to you for a full refund, including the original postage cost. If the item is returned used or damaged, you may qualify to deduct an amount from the buyer's refund to cover the loss in the item's value. eBay may automatically accept a return from a buyer on your behalf. Once you've received the item, you have 2 business days to review it and send a refund, or ask eBay to step in and help. How to upload your own label Give a full refund – The buyer will receive a full refund, including original postage costs, and they'll keep the item. This is a good option for low-value items. How to give a full refund Offer a partial refund – The buyer will receive a partial refund, and they'll keep the item. This can be useful when the buyer isn't completely satisfied with their purchase. For example, if an item arrived with a minor scratch – but the buyer is happy to keep it. How to give a partial refund Send the buyer a message – If you have any questions regarding the buyer's request, you can contact them directly. You can also use this option if you want to offer to let them exchange the item. How to send the buyer a message Offer a replacement or exchange: You may offer a replacement (another of the same item) or exchange (a different, but similar item) instead of a return. How to offer a replacement or exchange If you respond to the request but don't come to an agreement with the buyer after 3 business days, you or the buyer can ask us to step in and help. If we step in to help, we may ask the buyer to return the item to you. You'll no longer be able to deduct an amount from the buyer's refund, even if you qualify under our seller protections. As the seller didn't send a postage label and then just refunded the buyer they have accepted eBays return details in my eyes.
  21. DX when a case on ebay is opened the seller has the option to either send a postage label or refund the buyer. On the refund option it says 'refund buyer and buyer get to keep the item' and after reading the post this is what the seller has done so I can't see that going after them later wanting the bag back can be possible.
  22. Hi, my brother has just been diagnosed with cancer and had a to be rushed into ICU due to complications, he will be in for at least another two weeks as he doesn't have the capacity or strength to looks after himself. At the moment he lives in a private rented flat that is up two flights of stairs and I can't see how he will manage the stairs, the lease is up in December and don't know what would be best for him to do. Would he be able to apply for social housing or because he has some savings would this go against him? On another note because he has been in hospital for a couple of weeks and will be for more can he claim anything against the rent or council tax? Thanks again
  23. Lowell has refused to change the date as they say the default notice said 'may be placed ' after the 31st July 2017 and that payments were made after this date until the 2018 via a DMP, but no other DN was ever sent or shown in the DSAR I did
  24. Sorry to be a pain, but DX could you have a look at the scans I put up and let us know what you think and how Sleeptech goes from here. Thanks JJ
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