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  1. Edit, sorry, I was changing the title and hit enter by accident, the title should read. No contact ffom loan company about deceased parents secured load. --------- Hi, I'm hoping someone can offer some for of advice. My mother passed away in 2012, she had a secured loan on the house, not huge, it ws 7k and at the time she passed there was 3.6k remaining. Being disabled she didn't have a massive income and her insurance policy covered her funeral and that was it, she has £70 in her bank account and no other money or assets besides the house. The loan company (Santander) were great, said we needed to take the details of probate in and everything would be on hold until then. Her will was written when I was a child so I was the benificiary but not the executor. Everything had to be done through her sister. It took a while to get probate sorted as the solicitors who had the 'official' copy of her will had closed and neglected to send their documents to wherever they're supposed to have sent them when they closed (Sorry, can't remember exact terms), we had to try and track down her will and when we couldn't we had to apply for a signed letter from some place (again, sorry I cant remember exact terms) that allowed us to go and sort probate, that took a while and it was fnally sorted around a year ago. myself and my aunty took all the needed documents to santander who took copies of everything and said they'd be in touch shortly, I distinctly remember the woman saying it is usually a quick process. They kept calling the secured loan a mortgage, are these two the same thing? It's now been a year and I've heard absolutely nothing from them. Neither has my aunty (We aren't sure if they'll contact me now probate has gone through because I'm the benificiary or contact her because she is the executor). Nothing besides the monthly ststements which has in big bold writing at the top 'This is for information only'. I know it sounds stupid and anyone reading will think why have you not called them, a few reasons really, I'm terrified for one, I've lived in this house my entire life, I have nowhere else to go, the house is in a terrible area and needs a lot of work, it's not worth enough for me to sell and buy elsewhere. And secondly my own health hasn't been great, mental health that is, I've suffered from severe depression and extreme anxiety includig time spent in hospital due to attempted suicide. I'm currently unemployed and am terrified if I call they'll say they want all the money or they want massive monthly payments that I can't afford and i'll basically end up losing the house. I've no idea what to do, do I call and see whats taking so long and why? Or just leave it and wait for them to contact me however long that takes?
  2. Have you received any kind of communication asking you to make contact because there is a parcel for you - or for some other unexplained matter? We would like to know about it. Such contacts are illegal under the FCA conc regs - specifically - http://www.consumeractiongroup.co.uk/forum/showthread.php?426126-CONC-7.9-Contact-with-customers Here is an example of card left by APS. It breaches FCA regulations in a number of ways. We would be very interested to see other examples of this kind of contact. Please post up your letters, cards or other examples in this thread Please note that we are talking about debt collection messages here. Not viruses or spam
  3. Hello, Sorry, I really tried to keep the description as short as possible: On 03/03/2016 we called some conservatory companies in Devon and finally made appointments with two of them for the next day for a viewing. In the afternoon we sent them a floor plan with detailed measurements and other information about what exactly we wanted. BTW We had even searched the web for reviews about the companies and found nothing negative - just one positive review. On 04/03 an employee of the first company arrived in good time, and we noticed he had the document (which we had emailed the day before) printed out and ready for discussion! Because the negotiated price was acceptable (£8,060), and because he confirmed that they could complete the conservatory within a month, we decided to enter into a contract immediately. In the contract was stated: "Installation date: 18/03/16, 09.00" As advance payment 1/4 = £2,015 had been agreed: On 04/03 we paid £2,015 by bank transfer. On the same day another employee arrived to carry out a survey (as specified in the contract). He examined the house, took measurements and discussed with us and wrote down the exact positions for the doors, opening windows, roof connection etc.. We mentioned that we had already paid the advance, and he said the required parts would be ordered IMMEDIATELY! 17/03: Since we hadn't heard anything from the company, we sent an email and asked if they had received our advance payment and also asked them to confirm that the works would start on the next day as provided in the contract. No answer. On 18/03 we waited at home the whole morning, but in vain. No one came. No information. We called them after lunch: the secretary said she would talk to the builder responsible for the groundworks. On the same day we were informed that the builder would begin on 22/03, 9.00am. On 22/03 no one came, but the builder called us to tell us he would come one day later, 23/03, 1.00pm. On 23/03 he came, examined the ground, and asked us additional questions regarding the groundworks. Since it is a hillside situation, he recommended insistently to build an additional retaining wall (the rain would wash the garden down to the conservatory), cost around £2,000 (making it much more expensive than other offers we had received before signing the contract with this company). He seemed to be a skilled and competent builder, and to avoid further delays, we agreed in principle and asked to calculate the exact additional costs and inform us asap. We asked when the groundworks will begin finally, but he could not give us a concrete date. On 24/03 we sent another email to the company to declare in writing what had happened so far. We wrote that because early installation was VERY IMPORTANT to us, we were happy that they could offer us that early installation date (18/03). This was the MAIN REASON we decided in favour of their company, cancelled another appointment we had later on 04/03, signed the contract, and immediately paid the advance - just to avoid any delay. We asked them to inform us immediately in writing about when the works would begin and what exactly the extra costs for the additional work (retaining wall) would be. 29/03: Since they hadn't answered, we sent another email in the morning. We reminded them that during our initial discussion on 04/03, before signing the contract, it had been confirmed that the project could be carried out within a month, so we already made plans for the time after the installation. We stated again, that we really needed the additional space, provided by the conservatory, as soon as possible. 30/03: Since there was no reply, we sent another email, stating that it's urgent. Then the secretary called us and said she would send us an email regarding the starting date. 01/04: Again, nothing happened. We sent another email: we asked what had happened in the meantime and why there were further delays. We reminded them that we were waiting for 9 days now to get an answer regarding the costs for the additional works. 06/04: After many many attempt we finally got the manager on the phone. He told us that the groundworks will be carried out "next week". We were very relieved about that. He said he would call us back to tell us the exact date. He didn't. 07/04: We sent another email in the evening: We wrote that we tried to call him several times during the day, but in vain. Furthermore we reminded him, that we would also need to know what would be the costs*for the additional works. 08/04: The secretary called and informed us that a skip will be delivered on 13/04. We asked again, if they would already know what the additional costs would be. She just answered "not much". On 13/04, as announced, a ridiculously small skip arrived, and one worker, without any machines, dug out some earth and moved it into the skip. A day went by, but this method was not suitable to make progress. On 14/04 the employee who visited us on 04/03 for signing the contract came again to let us sign an additional contract about £2,000 for the extra works, and we were asked to pay this in advance, because more work needs to be done, so they would need more money in advance for material and the builder: On 14/04 we paid £2,000 by bank transfer. On the same day or a few days later, a larger skip had been delivered, the required machines and an excavator arrived, and intense working finally began. Great! (we thought) On 28/04 a lot of work had already been accomplished, The manager visited us and tried to persuade us to accept that the project would cost another £1,600 (!!) more. He admitted it had taken a bit (!) longer, but he had selected "quality workers" in order to get the job done as good as possible. (Later it turned out that this builder and his men had been commissioned by him for the first time - he never knew them before!) We reminded him that we have a contract plus the additional costs of the second contract, and that we can't pay more than was agreed in these two contracts (all together £10,160). He accepted our objection, but asked us politely to pay another £2,000 in advance + £100 which we had agreed with the builder for a minor modification of the retaining wall, so that he could speed up the remaining works: On 28/04 we paid £2,100 by bank transfer. Until 05/05 (with some interruptions of several days) the builder had completed the groundworks and brickwalls, however there is still some work left for him to do, which he can't do before the other conservatory parts will be built up. That is the reason why material, some debris and the last skip (which has already ruined the lawn in front of the house in the meantime) had been left here at the construction site. (BTW: It turned out that the ground is solid ROCK, so the wall wouldn't have been required - according to horticultural advice it could also have been fixed with cheap retaining wire netting!) On 06/05 the manager called us and asked us to pay another £2,000. He said he had to pay bills for many skips, pay the builder and buy further material. Again, he said this would speed up the completion. Because it was already more than a month after the expected completion date, and we really wanted this project to be finished as soon as possible, we accepted his request: On 06/05 we paid £2,000 by bank transfer. On 09/05 the employee who took measurements on 04/03 came once again for more detailed measurements.
On the same day we sent an email and asked if the works would continue the next day. No answer. On 11/05 we tried to reach someone of the company on their various phone numbers. We could only reach the employee who visited us for signing the contracts. We asked him when the works would continue. He said in about a week.
Later we could also reach the manager via phone, and he claimed that the groundwork would require 2 weeks to stabilise! According to this we would have to wait until 23/05. (Later the builder confirmed that this isn't true at all!) On 23/05, we stayed at home and waited for the work to continue - again, in vain. We tried to reach the manager via phone, but in vain. Again, we could only reach the employee who visited us for signing the contracts. He assured he would contact the manager and call us back. He never did. On 24/05, again, we stayed at home and waited - again, in vain. We tried to reach anyone by phone. Since no one answered, we sent another email. No answer. On 25/05 we could reach the employee who took measurements. He informed the manager who finally let his secretary call us back. She said, the problem would be that the "roof takes longer to arrive"; estimated day of arrival: 31/05. On 26/05 the builder visited us privately on his own initiative and informed us that he hadn't received any money from the manager, though it was him who did all the work until 05/05. He warned us NOT TO PAY any more money in advance (what we hadn't done anyway). He said, the remaining work could be done within three days. It would NOT have been required to wait to let the groundwork stabilise! For many days we tried to contact the manager, but we had only been cajoled and put off by a new, young employee whom we had never known before. On 07/06 we reached the manager by phone! He said he would call us back soon or confirm via email to guarantee that the works will be completed from 14/06. On 08/06 in the morning he called and offered to complete the conservatory from 21/06 (about another two weeks later!).
Since we still wanted to get the earlier date (14/06), we sent another email reminding him what he had said the day before. We also tried to call him again, but there was just his answering machine! We sent another email in the late evening and asked for a confirmation for 14//06 again. On 09/06 we could reach him by phone in the morning. What he had suggested, he had also confirmed by email in the morning:
"Further to our telephone conversation this morning, I have been speaking to our manufacturers about a possible earlier delivery for your conservatory roof. As I explained in the telephone conversation, they will need a payment upfront to prioritise the roof which could lead to a delivery to us on the 13/06. We will need to payment of £1500 for the roof to get this prioritised and allow us to complete the conservatory sooner. I also would like to confirm that I have offered you a discount [£500] on the total left outstanding which I have taken off the contract."
We answered via email, that we had believed him that the 3 additional payments he had already asked for (£2,000 + £2,100 + £2,000) would speed up the conservatory works, and we had always paid! Nevertheless the project had been delayed by months, which caused many serious problems and financial loss for our family. At this point we couldn't take an additional financial risk. We suggested to arrange the delivery of the roof (direct to us) and the payment direct with the manufacturer. We wrote we would also pay the rest (£2,045 minus price of roof) after completion and that we won't make use of the offered £500 discount.
When we came back home we noticed that the manager had tried to call us back (caller ID), but he hadn't left a message. We sent him another email, that we had noticed that he wanted to call us, and that we wouldn't want further phone calls, but a WRITTEN answer in this case.
We waited the rest of the day for his reply, but again in vain. We sent another friendly email later in the evening and asked him to answer. On 10/06 we waited until the evening and then wrote another email:
Because he hadn't replied to our suggestion regarding the payment of the roof, we decided to accept his previous offer (which he made via phone on 08/06) to complete the conservatory from 21/06. Because in this case a prioritised delivery of the roof*wouldn't be required, we would pay the remaining £2,045 after completion. We asked him to confirm this in writing until 14/06. He didn't reply. On 14/06 we sent him a "Reminder with fixing of a period of time" As time limit for completing the remaining works we allowed 2 MORE WEEKS, until 28/06 (included). We had sent this as emails and as RM Signed for letter. On 06/07 the letter came back (undeliverable and not collected from the PO). In the meantime we found two extremely negative reviews on Google about him - unfortunately posted after we had signed the initial contract. The other customers got their work done, but with immense delays, and without obtaining promised discounts. We know we made mistakes: We waited too long. We paid too much in advance. Nevertheless, what can we do to get this solved? Offer him a bit more money? (Sometimes paying a bit more is better than fighting longer.) Go to a solicitor? Trading standards? We really need a fast solution now. Our nerves are on edge... Many thanks!
  4. I have just received the following email from the SLC and was wondering if I should respond ? I left the UK in 2009 and my final default dropped off my credit report in Dec 2015. I really dont want the SLC ruining my credit status for another 6 years. I left university in Jan 2009 and have had no contact from the SLC until this email. Any thoughts would be greatly appreciated. Please respond within 72 hours of receipt of this email. Dear xxxxxxxxxx We have been attempting to contact you. Please contact us to confirm your current contact details and employment status. This is to enable us to update your information accordingly and to ensure that any future communication will be sent promptly. Please call us on 0300 100 0603, if calling from overseas please call 0044 141 626 3770. Our office opening hours are 09.00 to 17.30. Alternatively, you can email your information by responding to this email address and providing the following: Address: Home Telephone Number: Mobile Telephone Number: Email Address (if changed): Employed Yes/No: If you have any concerns about providing the details we have requested then please refer to the Student Loans Company website, for further information. Please be advised this email address is for the purpose of providing the requested information only. If you have additional queries, do not hesitate to contact us on the telephone number detailed above. Yours sincerely Student Loans Company 100 Bothwell Street Glasgow G2 7JD The registered office of Student Loans Company is at: 21 St. Thomas Street Bristol BS1 6JS Registered in England No. 2401034
  5. Hi all, Just in case any one is looking to make a complaint about irresponsible lending to cash convertors- I was helping a friend, follwing advice from here- and I have to say, they are the easiest company i have dealt with so far. The statement of accounts was there within an hour of requesting, and following an email complaint on Thursday, a final response has arrived today, with an offer of almost £1500. She is more than happy with that figure, and looking at the loan history, although she has paid more over the years, I really dont think she would do much better with FOS, so she is happy to accept it. The contact details i have incase anyone is struggling getting a reply- Without the spaces- Im not allowed to post email addresses yet! Good luck
  6. Hi all Last week I came out from work to find my car missing from my works car park (private land) I reported it stolen. Inside the car was my house keys (separate to my car keys) my purse containing £250 cash, all my credit/debit cards, driving licence and other bits and bobs. The time I reported the car stolen I rushed home panicking thinking that the thieves would be emptying my house as the house keys was inside. I had to get the house broken into so we could enter and have the locks changed in case the thieves returned to the house as my house keys were in the car. All night I had little sleep worrying over if anyone would come to the house the next morning I rung my insurance company to report the car stolen. I also remembered that the finance company who i had the car from said when i purchased it there may be a tracker inside I called them to tell them that the car was stolen and to ask if they could track it They tracked it and told me the location, which I pass the details onto the police. Around a hour later the police called me to say the car had been repossessed by the finance company! News and shock to me. I had problems paying the finance in december due to a temporary change in income and before I missed any payments i called the finance company who offered me a payment holiday and they said they would call me the end of january, beginning of february to renew the payment schedule again. I never received any contact from the company whatsoever. I called the finance company who said they were well within their rights to repossess my car, they said they have been calling and texting me but when we confirm phone numbers they recite it to me with one digit of the phone number wrong (funny as when they were selling me the car they were hounding me on the exact same number i have now upto 5 times a day) they said they have been emailing me (but they recite the email wrong too). They said I can call them monday to arranged for payment of the overdue amount (just under £500) and to arrange to get my belongings back. I call them today and was very rudely spoken to, the guy at credit control says a Default notice was issued back in december (I never received it or any contact from them) and he also said the car was repossessed from the public highway. The car was parked where I work on the landlords private carpark, definitely not on the roadside. We end up exchanging words and he hangs up on me. I eventually get them to agree for me to collect my belongings. I have just been to collect them and my purse is missing! It was 100% in the car, I had all my cards inside which I reported stolen last week, my driving licence is inside there along with my partners licence and no less than £250 cash. I refused to handover the V5 and keys and they say why should we look for your purse when you wont give us the V5 and keys. Where do i go from here. I have paid around £1000 plus £500 deposit on the car but less than a 1/3 of the agreement. I have not received any contact from these guys until now, definitely not had a default notice although they say they have sent one. I am without my purse and cant access any of my money until my new cards come through from the bank. My cash i had was in the purse and they haven't returned it to me saying its not there. Help
  7. Hi all, Hope this is the right place for this. My partner recently picked up some weekly contact lenses from Boots. she wears them frequently, but her normal order had not arrived so she had to pick up a pair to tide her over from the store. almost immediately after she put them in, her vision began to go blurry and her eye felt discomfort. The Boots staff at the store were awful. first they wanted her to wait to see the optometrist, until she made a fuss, when it turned out one was free, then she had to ask three times for them to rinse her eye. Finally they sent her to Moorfield eye hospital, but didn't send anyone with her. She spent several hours in the Moorfields A&E, where the staff were shocked that her eye hadn't been rinsed sooner and more extensively. By this point she was in agony too. So the upshot was she had blurry vision and severe pain for a few days, had to spend the evening at Moorfield's A&E and had to take a hotel for 2 nights as her vision was too poor to take the train home. To be fair, after first saying they would only reimburse her taxi costs, boots did reimburse the hotel and medication costs too. Now, the problem is, after doing some research, we found that these lenses, made for Boots by Coopervision, had a similar issue a few years ago, where they were contaminated with silicon oil, causing horrific injuries for some people and leading to a recall. As my partner put the lenses in in the shop, she didn't keep the cases for them and allegedly neither did the shop, which seems like it ought to be included in some sort of protocol. Anyway, the reason we're here is 1.) Has anyone heard of, or is there somewhere that might know, if there are other recent cases like this? Our primary concern is that no one else suffers due to Boots' inadequate response. 2.) My partner isn't sure if she still has the lenses, but if she does they are in a fresh contact lens holder with fresh saline solution. I appreciate this would have diluted any contaminate, but is it possible, if she can find them, to have the lenses tested, perhaps with a Mass spectrometer, to see what the contaminant was? 3.) this si the most minor concern, but should we and could we seek any compensation from boots? We've accepted reimbursment for our out of pocket expenses - the taxi, hotel and medication, but all of our communication was without prejudice and we stressed that we weren't accepting this in full and final settlement. I know the impact didn't last very long, but she was in agony, terrified of losing her vision, had to spend the evening in Moorfields and was supposed to be chaperoning me following a medical procedure I had had earlier that day that involved sedation. And now, as someone who wears contacts frequently, she is very nervous about wearing new pairs. Thanks for your help
  8. Should letting agencies have an emergency telephone number? This evening I found water pouring through the ceiling at the bottom of my stairs...dashed up to the bathroom to find that the toilet was overflowing and the overflow pipe had become detached(another botched job!) and the over flow was caused by the ball cock thing in the toilet had come lose....me panicking trying to stop the water flow and reattach the overflow pipe! Asked daughter to switch off the water at the stop cock....its behind a panel that needs a screw driver to get to it! Rung the letting agency up... a few mins after they shut up shop...no answer and no answer machine
  9. Hi All, Bit confused here and wanted to be sure. I arranged for an electrician to come to our house (its owned by my girlfriend) he did some work. He then wanted a payment which my g/f tried to make online but got an error. So I paid it from my account. Who would legally have the contract for the work done? I ask as there are major problems with the work carried out. Many Thanks for any help
  10. Dear All, This is my first post so please excuse me if it's in the wrong section etc. I had a property repossessed in 2010 & the mortgage was with Northern Rock. All relationship with them had broken down & I ended up leaving the property vacant before the repossession date & have never been back to it since. I locked it & walked away After a few months I checked Zoopla & the property had been sold at a ridiculously low price therefore leaving a substantial shortfall. I've never heard a word from NR until a strange letter arrived at my parents house (where I now live) yesterday stating that my file had been recalled from their external agent PRA & transferred back to their internal collections team. It is also asking me to contact them to discuss repayment. It doesn't give any other details & at first I wasn't even sure what it referred too. I have never had any contact from this PRA group. So what are your thoughts? I've obviously no intention of contacting them as I think they're just fishing for information plus it's taken them 6 years to find me. Thanks to anyone that can offer some advice.
  11. I am very worried In October my partner was dismissed gross misconduct. He was accused of company theft stealing a large amount of money (he worked for Sainsburys) he was investigated by his employer numerous interviews with a witness in the room taking notes. CCTV was shown of him attending to his duties this is the point where he was accused of stealing (May I add he did not do what was accused) Eventually it was determined that they had to dismiss with immediate action gross misconduct. At the time of dismissal they stated that police would be involved. No police have been in contact with my partner since his dismissal in October. A couple of weeks ago he received a phone call from DWF the lady gave her name and reason for calling was to notify him of a debt collection for the sum of £1400 she said his employer had contacted them to recover the money. She even asked my partner on the phone if he did actually commit the theft which I think is extremely unprofessional and wrong. Are they actually allowed to ask such a question to him over the phone? He of course denied it as he did not commit the theft. She stated that a police officer had been involved with the investigation which is completely false, he told her this. We still have all his notes taking during the investigation with employer. No mention of police officer in the notes my partner has never met said police officer. At this point she became confused didn't know what to say. She said that she would have to call his employer to speak as things weren't adding up. She then added that he should expect a letter in the immediate future. It's been about 3 weeks since this phone call and still no letter. I have been worried to death it's been a hard time (Christmas) I have two children as well. I am frightened to death of bailiffs turning up at my address. Do you think we should contact the lady who called from DWF, still have her number. Any advice, guidance appreciated.
  12. CONTACT YOUR MP IF YOU CAN NOT SEE HIM/HER ON THIS PETITION: http://www.parliament.uk/edm/2015-16/824
  13. does anyone have any contact emails for pounds till payday as I want to dispute a loan i have with them, any success stories about disputed defaulted loans would be good to know as well
  14. Ive never posted before and my spelling is really bad so I apologise in advance! I went to drive my car this afternoon and it was gone!! I panicked and called the police, they told me it had been towed due to no tax. I couldnt call the company because its shut. I checked online and said untaxed! I went in my direct debits and its still active, went to both dates (read somewhere they will take it 4 days after if failed) and a week either side of both and there is available money???! THEY HAVEN'T TRIED TO TAKE IT? Can anyone give me a reason why this would happen? I'm guessing the clamping place are going to be a problem and I'm going to have to pay the release anyway but can I claim it back? Also havent received any letter or email. .it was only supposed to be taken out last week on the 2nd?! Such a ball ache before christmas and majorly panicked as I thought it had been stolen! Didnt think they could do that, thought theyd clamp jesus! Many thanks for any help x
  15. Like it says. I won't go into detail and I won't enter into any further correpondence but, because of the reception I got for suggestions of sound advice and places where more specialist support could be found - and the debacle in that particular thread that has been unfolding since - I no longer wish to be associated in any way with CAG forums. I dare say the quality of support is, in general, excellent but I have had enough of the hostility here for my positive contribution on the subject I hold close. Interestingly, I now note there have been historically other people here, in a similar situation while pursuing a similar topic, who have been subject to the same treatment and have felt the need to react similarly, all of which which only serves to highlight the questions I have over the reliability and impartiality of advice given on this site. I have requested my membership be deleted on two occasions via the "contact us" facility in my profile but have not even had an acknowledgement, hence the ironic and unfortunate need to make this request, to an organisation championing a Consumer Rights, publically via their own consumer rights forum. Can a mod please action? Good bye Thudd
  16. Hi All, first post so please bare with me. we bought a Palram shed from an Amazon seller around 3 months ago. We set the shed up which was a painful task in itself, and where reasonably pleased with it although I did note that the plastic sides where somewhat flimsy and thin. Search Palram shed on Amazon 8ft x 6ft to see the product if needs be. Now in Preston where I live at the weekend we had very high winds and stormy conditions. Which shock horror, caused the shed to collapse! The whole thing came in on itself and the metal frame was contorted and bent. Wont let me post images as I'm new, but think bent twisted metal supports etc. I entered into a dissuasion with the supplier about where to go next... see below for transcript:- Good afternoon, could you please advise re the below issue with the shed I purchased, via Amazon: Order reference: ................. The shed was assembled shortly after delivery by my partner and an experienced tradesman. The shed was placed against a wall to the rear and the right hand side of the shed had ample support and shelter. Anchor bolts where also bought and placed into the shed as instructed. Yet during Moderate winds today in Preston (28mph, gusts up to 49mph), the shed has totally collapsed. Panels had come out, the roof and supports have lifted and the metal cross bars and supports have contorted and bent. This shed was assembled with the utmost care and accuracy according to the instructions provided, yet this has still occurred. I most admit upon construction I did note that the side panels of the sheds did see flimsy, but when constructed the shed did seemed sturdier than anticipated, yet this has still occurred. I am greatly dismayed by this, and after spending a large amount of money on this product I would expect it to be able to stand up to the elements? Could you please advise on the next course of action and what assistance you could provide in this matter. I eagerly await your response. Kind Regards, **** The Response was "Hi **** very sorry there is a problem, please could you send us some pictures of the damage please? Best regards Phil." Reply Hi Phil, Thank you for the timely response in this matter, it is much appreciated. Please see images attached of damage to the structure of the shed. Upon discovering the problem, panels of the shed had been blown from their fixings and the shed had basically collapsed and the whole structure had shifted from its base. We had very little time to try to remedy the problem prior to it becoming dark. To prevent any further damage or any risk to health and safety the shed was taken down. Due to the damaged pieces it is highly unlikely the shed will be able to be re-erected in its current state, and even still without these problems this is a less than enviable task. Thank you for your assistance, Kind regards, Reply was:- Hi **** thanks for the pics we are in Blackpool so do know that it has been windy. Could we replace all the damaged parts for it to be rebuilt? Best regards Phil. To which we said:- "Hi Phil, Thank you the kind offer to replace the parts. The shed is in such a state of disarry, it would be very hard to reassemble with replacement parts, it would mean further dismantling large parts of the shed to reassemble it. Whilst replacement parts would allow us, with some difficulty, to rebuild the shed, this would offer us no guarantee we would not get another repeat of this situation when adverse weather is repeated. This occurence worries me greatly and leads me to believe the shed is not fit for the purpose. When purchased through Amazon the listing advised the shed comes with a ten year warranty, for this to happen within three months gives me no confidence in this product for the years to come. Ideally, I would like a refund on this product and I can gladly organise a return of the product to yourself if based in Blackpool. Kind Regards," And then we heard nothing for a couple of days and received this message today:- "Hi ****, I spoken with Palram and they have said it is very rare for a shed to collapse due to the wind. We have sold 1000`s of the sheds and it has only happened a couple of times. Palram will not issue a refund due to storm damage but will replace all the damaged parts. Best regards Phil." this is where I stand as of now, I'm just looking for any advice or guidance as to where to go from here. What do you guys think? I'm remiss to just say yes send me the parts as reassembly will be a total nightmare. They have admitted that whilst rare it does happen the sheds blow down, thus not being 'fit for purpose' correct, no mater how rare the occurrence. Thanks in advance for any help ;-)
  17. I'm looking for a UK contact number for Hotmail. The phone numbers that come up on searches are 3rd party numbers. Thanks
  18. Wonga... Should I contact them.... Took various loans over 2010/11 All loans were repaid but quickly built up resulting in me been unable to repay the last loan... This was defaulted in May 2011 by Wonga... Balance £1734 this was updated March 2014 balance still the same. This last loan was for £800 the rest would be the interest added over time..... During the period I was under a DMP with then named cccs. Owing little over 23k to different banks/cc/loans. Now repaying debts under a self debt management... Hearing all the news about Wonga I was wondering whether it was worth now contacting Wonga to ask whether this debt was written off or whether the amount is still owed. Contacting them wont make much difference to my credit file as already defaults on the file, although some do drop off shortly under the 6 year limit. What's peoples thoughts on me contacting Wonga to make enquires on this loan ? Is it worth writing to them to see what's what.......
  19. Hi i would be grateful for any clarification other caggers can provide. LTSB Gold Service Payment application form circa 1990's. across the top of the application 'Lloyds Bank Gold Service Payment/Photo Card Application Form' underneath Credit agreement regulated by the Consumer Credit Act 1974. this is very confusing as part of the document states under 'Security' 'the overdraft facility made available under this agreement is unsecured and shall not be secured or treated as secured by virtue of any mortgage, charge or other security which i/we may have already given (or may in future give) to you. does this then mean that if there is a dispute that LTSB cannot enforce to change the 'unsecured' to 'secured' via a CCJ ? then further down it states 'to be considered for a Lloyds Bank Gold Service Payment Card you must sign in the box below' this implies to me the A4 form is an application form and not an agreement, however in the signature box it refers to 'this is a Credit Agreement regulated by the CCA' has anyone else come across this? and what is the position. Thank You
  20. Anybody got an actual E-Mail address for the executive of Halifax without going through the rubbish customer complaints area??
  21. Does anyone have a working contact email for Motormile for negotating a repayment plan? I have sent to [email protected] but has been returned undeliverable. Thanks in advance
  22. Came home from work late last night to a letter, not in an envelope which appears to be from a local county court enforcement officer. It states I have failed to return a statement of means form. Not had one. It also states that I have three working days to attend the court to fill it in or return said paperwork. His name and phone number are on the bottom. No paperwork has been left and I have no idea what it is about. Advice on how to proceed would be gratefully appreciated please. Just when you think you're getting straight with things something else pops up to bite you on the bum!
  23. SAR Request sent on 01/08/15 (signed for) I have received the attached letter today 12/08/15, for information I included my past 2 addresses and proof of current address (CTax Bill). Can anyone advise of my next steps please. Thanks NCB
  24. Hi I need a bit of help, Back in 2007 I joined Roko gym which I stayed at for 2 years no problem. November 2009 I decided to give notice to leave as I wasn't ever using it. I wrote to them dated 1st November stating my intention and giving 3 months notice. The last day of membership should have been 31st January 2010. They wrote back saying I was to pay until the end of February as they received my letter after start of November. I was so annoyed by this I cancelled my DD and wouldn't pay them any more money. My last payment was 1st November 2009. What followed was the usual from Roko and CRS. I sent CRS a letter from this site in March 2010 saying I have no contract with them, I would not acknowledge any debt and would have no contact with them. After that they sent me a few more letters last one being June 2010. I haven't heard a thing since then until about 6 weeks ago I started getting texts again and 2 letters went to my old address (I could tell by the return address) which I sent back. Now they have found my new address and it's all started again!! Are they allowed to chase me now seeing as I haven't heard from them in so long? Should I resond or continue to ignore? The latest letter threatens legal action or passing to another DCA. Thank you
  25. Hey everyone, looking for some slight assistance. An ex partner of mine (we split in 2008 and I have had little or no contact with him since, bar the occasional facebook hello) passed away a month or so ago, something I was actually unaware of until the DWP sent me a letter informing me and asking for details regarding his death, care, estate etc etc as he was claiming disability living allowance. I have replied to them with a letter stating that I wasn't aware of his passing until they sent me the request and that I haven't lived with him since 2008 and that I'm not even sure how they even know my contact details as I never agreed to be mentioned on or signed anything whilst we were together. Has anyone else come across this before? Should my letter be enough to end this? Thanks!
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