Hi, Thanks for replying. Im not sure to all of the above im afraid. Things have been a bit hetic recentely as i have had a bad accident so im just trying to get everything in check. I havent received any default letters from Shop Direct so im not sure. Not a great help im afraid. Lx

Hi, I wonder if anyone could help me? I recently received a letter from Hamptons Legal acting on behalf of Lowell Portfolio Ltd which are acting on behalf of Shop Direct. I am disputing the amount they want from me as I stopped paying the catalogue as a dispute to theie service. Some of the goods that i purchased broke down within months and the catalogue ignored requests to get them fixed, replaced until the guarantees had run out of them. I am willing to pay some of the bill as i had the goods but i am not willing to pay for shoddy goods. The letter is threatening to add legal costs to the bill, i ignored the first letter but they havent stopped. I would like to get this sorted but as stated above, I am not paying for shoddy goods. Can anyone help me further as im not good at writing letters etc and dont know my rights. Thanks in advance L xx

Anyone?

Lol Oh i didnt realise i could post the N1. Hmm, so could anyone help me with the POC with CCI Pretty Please Lindy xx

Right so i need to file a claim online I really would prefer to do this on Mcol as i am doing this on behalf of my partner and havent got time to file at court due to work. I am claiming CCI, i am a bit worried about the POC as i havent really a clue what to put, i have read up about it but at this stage without help on what to put, im likely to ruin the claim. I be glad when this is all over, give you lovely people a break lol Lindy x

Aww Thanks You made me feel a lot better now, i am a bit of a panicker. Lindy x

Hi Uk I havent done Mcol yet but wanted to get everything ready before hand. Lindy x

No dont think so and it wont let us download any programs either. Looks like im stuffed?? Lindy x

Can anyone help me please I have got to the stage where i now need to start preparing a court bundle and completing my MCOL. I thought i would familarise myself with this, i am having to use the PC at work as mine has died at home and it wont let me open the zipped file. I dont know what to do now Anyone?? Lindy x

Thanks again All i know is that i have a 16/17 month old laptop that has suddenly shut down and wont turn on, so i dont know if it doesnt conform to the contract. I havent damaged it, if i had its covered under my home policy. I just annoyed that after 17 months its worthless. Thanks for your help Lindy x

Thanks for all your replies I really only want the laptop repaired if possible but was worried as the item is no longer under warranty i wouldnt be covered and would have to pay myself? I am not looking for a refund. Should i just call PC world, i just wanted some backup incase they said no warranty no repair Many Thanks again xx

Hi Spike Thanks for your reply, i phoned work and if they would have provided me with a computer it would have been covered by them. However it was a voucher and they have said it the same as buying with cash. So where do i stand? Lindy x

Hi I bought a presario 4000v laptop approx 16 months ago and all was well until the other day when it crashed. I couldnt turn the laptop off by the usual log off facility as it had crashed so i had to manually turn it off by the power. I then just got a white screen, the power was off but i still had a white screen so i disconnected the battery and when trying to turn the Laptop on again , i got nothing. The laptop is dead, wont switch on and my warranty is finished, i am a bit annoyed as i bought the laptop through a scheme in work where i pay them monthly so 20 months left of payments and a dead laptop. Ive checked with work and they wont cover it. I bought this from PC world. Can anyone help?? Lindy xx

Hi I read before if claiming CCI then dont accept a part payment. Im sure you can request a cheque as its your money after all. Someone else will probably be along to explain a bit more about rejecting a part payment. Heres a link for the letter for rejecting the offer. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Hope this helps Lindy x

Hi Scally Heres the link http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Lindy x

Hi Roger Most people advise to use the N1 if possible with CCI, however you can use MCOL. I think it just the fact that you can put more detail on a N1 as a MCOL has limited space. Hope this helps Lindy x

Hi Scally No you dont have to accept this offer, send a letter rejecting the offer and preceed to court stage. You might have agreed to the Terms & Conditions, however not to unlawful charges. Lindy x

Hi there When you typed your interest rate in, did you overtype the original interest on the spreadsheet or delete it completely and then add it? Sound stupid but overtyping it normally sorts the problem out Hope this helps Lindy x

Right quick update I have received an offer which i am not going to accept, the 14 days allowed by the LBA are up on the 4th June. Do i need to send a letter rejecting the offer (i am claiming CCI)? Should i only start Mcol after the 4th June when the 14 days are up? Lindy x

Your very welcome Joe Thanks for click Good Luck Lindy

Hi Me again, Ive just noticed you refer to Direct Debit refusals and overdraft limits and i take it this is for a Capital One Credit Card? I used this letter and just added the above paragraph to include the CCI Credit/Store Card Letter Template (thanks Bookworm01036) Lindy x

Hi Killer Under the section What I require, i added this paragraph "I calculate that you have taken £XXX in unlawful charges from my account. I enclose a schedule of the charges which I am claiming with this letter. In addition, and as shown on the enclosed schedule of charges, I require that you pay me contractual interest on this amount at a rate of XX.X7% (APR rate), this rate is based on an average of the monthly interest rates that you have charged under the terms of the above mentioned account, totalling £XXX. . "The total amount of my claim is therefore £XXX.XX", combining the amount of charges and interest. This was given to me by the lovely Glav. Hope this helps Lindy x

Hi Joe Add the two figures together and divide by 2 to give you the average interest rate and then put the figure into this APR calculator http://www.zen122856.zen.co.uk/CompoundSheet_v1.9.xls Hope this helps Lindy x

I think i read somewhere that someone wanted the T&C of the Capital One Credit Card. I have found these on their website but they are the recent ones as they refer to £12 charges. https://www.capitalone.co.uk/web/raid/templates/formdual_temp_10_001.jsp?page_id=10400&context_id=2&step=1&product_id=2119 Hope this helps Lindy x

Hi Jubaxt The credit card spreadsheets with the CCI look difficult but once you get you head around them they work fine. I used number 12. The dates on the spreadsheet are in american format so month/date/year, do not delete any info just type over it, for some reason if you delete it, it mucks the format up. Start by amending the claim date, then change interest rate (overtype by double clicking on existing), add reason for charge, amount, date in american format and interest will be calculated. Hope this helps:-) Lindy x