Waitrose Online Shopping:- Do they give a stuff about your refund for an unsuitable returned item? I think not and you won't get a refund easily if my experience is anything to go by. Is this Company Policy or is it the Store Manager who can't or won't manage? I made an online order which arrived in early February, an item was substituted I was offered 2 salmon fillets instead of the 4 that I had ordered. I refused the substitution as we are a multi person family, the driver told me I would get the substituted item credited back within 7 days, (£5.99). This did not happen, I contacted Customer Services via email, (I always do everything in writing as phone calls are easily forgotten), they said the refund would happen within a further 7 working days and they would contact the local store. Another 7 days; nothing! I again contacted Customer Services (the same agent) by email they said they had contacted the store who would credit my card withion 5 to 7 days and the Store would email me confirming that. Guess what? Nothing! So, one month from the initial order delivery, I made copies of my order, my emails and my card account and went out of my way to the Store and explained the issue to a Customer Services Supervisor who then refunded me the £5.99 in cash, plus £15.01 for my expenses, i.e. paper ink, diesel and my time with a "Sorry" She took all of the paperwork from me and said I would probably get a phone call from her manager to find out more. Have you guessed? No I didn't! I honestly believe that if I had not chased them, I would have had £5.99 appropriated from me with the apparent intention of permanently depriving me of it. There has been more than a little negligence in that way they have dealt with my money but at what level? So to date I have been refunded my costs, (barely) and a verbal sorry from a supervisor, nothing else. What did I expect? At least a verbal or written apology and explanation from the Manager as to why the Store failed me. So, no more online shopping because I can not trust Waitrose to do the honest thing without a fight or the right thing in hindsight. Can you? There are other supermarkets out there.

The International Consortium of Investigative Journalists publishes today a searchable database that strips away the secrecy of nearly 214,000 offshore entities created in 21 jurisdictions, from Nevada to Hong Kong and the British Virgin Islands. https://offshoreleaks.icij.org/#_ga=1.77749204.1777153412.1462887663 You can check up on your relatives now.

A week ago I ordered a new Bosh washer from AO with next day delivery. From the first use it was obvious that something was wrong with it , it was making a very loud and not normal sound every time the drum was turning. I contacted them and they said I had to contact Bosh and use the guarantee to get an engineer to visit . At no point accepted themselves any responsibility as a retailer. The engineer confirmed straight away that there was a fault so I got a replacement. AGAIN from the first use there is the same and even louder noise. AO refuses to refund /replace without an engineer to visit again. They say that they have to make sure there is a fault and they treat me like an idiot as I wouldn't understand the noise or as I did something wrong with the installation. I said this is the SECOND time the same thing is happening and you confirmed the first time with an engineer that is a fault why do I have to go through this again? Citizens advice advised me that they are obliged to refund /replace as the washer arrived with a fault but AO replies that *citizens advice would advice me to my benefit but this is not how things work*. So TWO washers WITHIN A WEEK WITH SAME FAULT and AO still insist on engineer visiting first. All this is very annoying and inconvenient for me as I had to stay in waiting deliveries/ engineer , I still have to wait another engineer , spend hours on the phone with AO and Bosh and i still do not have a proper working washer.

I just ran into something that I want to "brave my self" if something goes wrong. The problem is I am trying to return a phone (quite expensive) I bought online (UK base retailer). The company does not allow to book return over the phone, only on their website. However, I cannot book a return form their website. I email them about the situation, they reply to me that they are looking into it and the problem could take up to 5 working day to fix. That make me confuse is that under Consumer Contracts Regulations (CCR) i have 14 day to told them, which i already did and they accept the return, and another 14 day to send it back.However, I am too busy to book an online return untill today, then this problem happen. But if I wait for 5 working day, it will be over the 14 day dead line to return under CCR The question I have is am I protect under CCR if I wait for them to sort it out or I should return the item back before the 14 day deadline.

Good Morning I apologize if this isn't posted in the correct section. Long story short - my brother purchased a sofa from an online retailer, it was delivered cash on collection, couch was in 'boxes' - when opened the couch was badly damaged. Damage was reported within 5 minutes of delivery, the company ignored and blocked calls from my brother and have refused to do anything about it. We contacted them from a different number and managed to speak with someone who initially offered a refund less delivery (I quoted DSR - as this wasn't a return of unwanted, it was return of faulty) and they then backtracked and said the couch was 'shown' to the customer and they had damaged it. Fast forward a few well worded text messages back and forth - we get an angry call from who I presume was a manager or director - at 1st saying he'd refund, then maniacally changing his mind mid way and saying 'you haven't got a purchase order or invoice, you haven't got a leg to stand on - you haven't got any proof you bought it from us' - which I managed to record Now he's taunting my brother, he has made a few promised to collect and given several times - one at 1:30am and to wait up. He waited up and nothing happened. I am at a loss as to what to do - I have contacted Citizens Advice (as they have to hand over to trading standards) - but haven't had a response. Here is an email I have sent to citizens advice - it goes into a bit more detail, maybe a little ranty... My brother purchased a sofa from Luxuy Living Limited - which we discovered on Facebook. Their web address is: ll-uk.co.uk They arranged contact through one of the mobile phone numbers listed on the website, and delivery was made on Saturday 2nd April. Upon delivery, cash was paid. The sofas came in 'boxes'. The delivery agent briefly broke apart a section of one of the boxes to point at fixings to explain how they clasp together. All seemed well, the drive left and the couch was 'unboxed'. We discovered damage immediately to one of the couches - and made contact to all of the mobile numbers on the website. This was literally within 5 minutes of delivery happening. After being unable to speak with them, we sent some text messages which were not responded to - and further attempts to call were unsuccessful. My brother called me to speak about the problem - and I attempted to call and was able to get a response. It would seem they blocked calls from his number. I'm a little more savvy and wrote a number of constructive texts explaining their obligation as a business - and have received a number of responses. Initially they said they'd refund minus delivery costs of £70 - which I explained was in breach of DSR as we are not 'cancelling' the order because we don't want it, we are returning because it's faulty. After I challenged this, they claimed the couch was unboxed and shown to the customer - and the damage had been caused by them. I challenged this and asked if they had anything signed or any photos to show this - as it's unlikely that they'd cause a manufacturing defect within 5 minutes of delivery. A few more texts back and forth and they made a promise to refund on Sunday 3rd. They waited in all day on the 3rd - nothing happened. By now we'd been back and forth with texts - and received a phone call from an angry gentleman who I believe was the business owner - we recorded the last minute or so of the conversation. He said he'd sort it, and it would happen later on Sunday night or Monday morning, then in the same breathe told us that we didn't have a leg to stand on because we didn't have a purchase order or an invoice. After explaining we have phone records and a raft of text messages discussing the sale and refund from a number listed on his website - he laughed and said he'd change numbers. We have screenshotted data from his website. We are getting absolutely nowhere and this company has behaved despicably.

Hello everybody, I recently purchased a guitar effects pedal from a store over the internet via PayPal. I sent it back the next day during the cool-off period. The shipping in the online ad states free delivery. They have refunded me the cost of the item minus £6.99 for postage. I did a quick web search and came up with: The Office of Fair Trading; “The OFT’s view is that the normal postage and packing charges for the delivery, but not the return, of distance sales purchases must always be refunded in addition to the cost of the goods when orders are cancelled during the cooling-off period.” From Out-law.com: “Online shopping customers who send back goods straight away must not be charged for their delivery, Europe's top court has said. Consumers can be required to pay the cost of returning the goods but should be refunded every other cost, it said. 15 Apr 2010” “The UK's Distance Selling Regulations govern this right and consumer regulator the Office of Fair Trading has previously ruled that refunds must include the cost of postage or delivery of goods.” I contacted the store with this information and they sent me the following reply: "Thank you for your email and I do appreciate your point of view If you change your mind, you can return your purchase in its original condition within 14 days to us for a full refund minus any costs incurred for the initial dispatching using our express courier and any costs incurred by -------- for the returning of the order. Please note that shipping discounts are removed if your full return or partial return takes your order below the free delivery threshold (this only applies for items that have been sent). Orders which have received discounted shipping (for example, free next day shipping) will have to cover the initial express courier dispatching, normally £6.99. The fact that you received free shipping is because we applied a shipping discount to your order and paid this shipping as a goodwill gesture. We do not ship item via any standard (normal) delivery options and ship everything using express next day service therefore we are entitled to recoup any delivery costs from the refund. I am afraid that the £6.99 deduction is correct and does not breach any consumer rights. So, are they correct to deduct the postage or not? I would be very grateful for any answers to help me resolve this. Thanking you all in advance, Nigel

Short Question Can I seek a refund from my credit card company for items that haven't turned up? Would this be under Section 75? Long Question I ordered a new guest bed from beds.co.uk last week. We need it for this coming weekend as we have people coming over to stay in our new house. Beds.co.uk require that you book a delivery date online with their delivery company Premier Delivieries (based out of the same address) once the order has been paid for and processed, which I did within 20 minutes. Although they offer free delivery for a weekday, for a Saturday delivery you have to pay an additional £9.95 (via paypal). After paying my additional fee and selecting Saturday 2nd April for delivery I waited in all day, to find the bed hasn't turned up. I half expected this as after stumbling on some bad reviews under their other name Furniture Italia, I discovered that a lot of people have had items not turn up on the correct date. I even tried to contact them earlier this week to confirm delivery however they never answered the phone. As I've spent over an hour and half today phoning them and their delivery company I decided to look at way's to get my money back. There's stories online of cancellation fees being charged and refunds taking weeks to appear. As I paid the £230 for the bed on my Halifax credit card (Through a payment processing page / not paypal) can I approach them for a refund? Can I claim for this under section 75 as the item hasn't turned up? Thanks Scott

I purchased a Diamond Engagement Ring from Vashi.com online and paid the full amount of £2,464.05 on 10th July 2015. I proposed to my partner with the diamond ring on a holiday to Barcelona. I went to great expense to get everything right,*which was very important to me. We stayed at a 5 Star hotel in Barcelona, I hired a table on a secluded veranda overlooking Barcelona, hired a Mariachi band who were playing a serenade where I proposed with the ring I had purchased from Vashi.com. Everything went and seemed perfect. On our return from Barcelona we asked Vashi.com to alter the size of the ring as it was too big and to upgrade to a different stting design, which we chose in person at the company’s London shop and paid a further £301. I received the amended ring at my home by registered post on 12th August 2015 and signed for it. The Engagement ring was given away to my fiancée as a gift at the blessing ceremony on the next day 13th August 2015. Vashi.com telephoned me on 18th August (7 days after I received the ring) checking if I have received the ring because their system showed that the ring is still in the depo and during their stock check they suspected an error. Upon my confirmation of receipt of the ring Vashi.com expressed the suspicion that I may have received an incorrect item and asked me to send our Engagement ring back. To cut a long story short we refuted their claims believing we had our ring we paid for. They then accused us of retaining a ring that did not belong to us saying that another customer wanted their ring back, giving us an ultimatum to return the ring or pay an additional £1000. Also the so called diamond certificate is not a certificate (has no number on the diamond) and is indeed their own appraisal. They have harassed my fiancee and I since and now have issued a claim in court against us! Any advice? surely this must be a breach of our consumer rights. We are in court on the 16th March 2016.

Barclays- SAR and CCA? Dear Cagers, As mentioned in another post I have 4+ debts which I desperately want to sort out ASAP. I want to start with Barclays and I will rely on your amazing help I have seen you have given to other desperate people. Please be aware that I am very inexperienced in dealing with creditors, DCA etc... The situation: Barclays current account: Opened 11-12 years ago. I use this account to transfer £4 each month from another account to be able to pay my debts -£1 to each of 4 debtors. This is including paying £1 each month to my Barclays unsecured loan (£1 payment agreed in 2013 via CDCS)... My account is in ‘working’ condition but I can see online that my address, telephone number and e-mail are marked as unknown –I guess they have found out that I don’t live at the last address provided to them. My e-mail and the telephone number have not been changed though but they have deleted them from ‘my details’ file... Barclaycard- Credit card: CLOSED by Barclaycard years ago (opened around 2004-2005,closed-unknown when and why). Never had any late payments etc.. . I have overpaid £10 to the card and never received them back. No documentation with me to prove that but I am sure about the above. Barclays Unsecured loan: Information on Noddle about my unsecured loan: Barclays Bank Plc Account start date: ‘Summer’ 2007 Opening balance £ 20,000 Regular payment £ 385 Repayment frequency :Monthly Date of default: ‘Summer’ 2010 Default balance : £14,000 Currently owning : under £13,000 Originally taken in 2007 for £20K as far as I remember to be repaid in 4 years-maybe 5 years!?. I was supposed to pay £385 a month. I paid £385 a month for over 2 years until November 2009. I applied for the loan online through my current bank account online page and I remember that the money was transferred very quickly to my Barclays current account. I don’t have any paperwork of terms & conditions or signed agreement. I am not sure if I was provided with any anyway. Maybe I just ticked these as ‘read’ online without reading them to be honest. The loan was spent on an unsuccessful business. In October 2009 I became very ill and had to leave the country for treatment. I did not pay anything to them for around 6 months while abroad in hospital. I returned to England in June 2010. I discussed with them my situation (conversations over the phone) and was paying them reduced payments (as much as I can) but they did not agree to reduced payments and did not care and kept adding fines and fees. I don’t remember receiving anything in writing from them-most of the conversations were happening over the phone, any correspondence I might have had is lost. I received a letter from CDCS (Central Debt Collection Services- Parent Company: Barclays Plc. Information about them here : http://www.humberdebt.co.uk/help-with-central-debt-collection-services-debt-debt-management-and-debt-advice/ ) in 2013 agreeing to my £1 monthly payment offered to them. Prior to that I was paying them higher amounts. After that I never received anything from them, then I moved address and never contacted to update address as I did not have a permanent place of stay. Please give me advice what to do? I guess once I provide them with an address they may issue CCJ (non registered yet on Noddle)... I remember taking the loan but I have not got any documentation etc.. . and have not got a clue how much fines , interest and charges they have added to my unsecured loan. ..Is the right thing to request SAR and CCA to Barclays? I think that it is necessary to recover all the information (statements, charges, interest, ppi and other insurance, applications, correspondence for loan, credit card and current account, telephone conversations) before discussing any repayment or settlements with them? Will SAR provide me with statements for my current account as I will need these for proof of payments for different debts as well? https://www.apply.barclays.co.uk/forms/subject-access-request?execution=e1s1 Do you suggest to apply via post or using their online system above? Do you think that the best is to close my Barclays current account first and then start communicating about the unsecured loan with them? Is it true that once I have requested SAR and/or CCA there is a big chance interest and fines to apply to my account again and to be asked to pay more than the token monthly payment? Your help is much appreciated.

This looks interesting For the full story HERE

If you put an application online surely the same info is given to get you to tick that particular area of a form yet one of the big banks is saying that they dont have to pay anything as it was completed online. Can someone let us know if this is true. You can be misled online as well as person to person dont you think

Is anyone aware of this yet? >> https://www.gov.uk/government/speeches/family-justice A total of 36,527 cases contain a version of Form E filed from these periods. HMCTS staff have now reviewed all these cases and found that 3,638 files – 10% – contained the faulty calculator version of Form E with an incorrect figure for net assets figure in the summary table. 1,403 of these cases are still live, allowing HMCTS to intervene immediately to clearly flag these cases to the courts in order to avoid the error affecting the final orders in these cases. Written statement to Parliament Family Justice From:Ministry of Justice and Shailesh Vara MP Delivered on:21 January 2016 First published:21 January 2016

We really need some advice. My wife received paperwork from MCOL concerning a debt with Lowell's. The original debt letters said Lowell were representing Marbles. The debt I think was defaulted early 2009 (could be earlier) so it would now be statute barred but Lowell added a default to my wife's credit records March 2010. I am unwell and disabled and my wife sufferers serious mental health problems and is epileptic we really don't need to be dealing with the courts on top of everything else .I responded and entered a defence for her 7 weeks ago based on the fact the debt should be statue barred. We have received a letter a month ago from Bryan Carter acknowledging the defence no other correspondence has been received. The debt is pre 2007 the contract was was made with Marbles 2003. How long do they get to respond to my wife defence? and because she has not acknowledge the debt does this mean it will go to county court? neither of us are well enough to attend court. Its very worrying having this hanging over our heads the only money my wife gets is carers allowance.

Apologies if this has been covered before, I had a look but could not see a similar thread. And the reason I wrote the above is because I am imagining this is a familiar complaint. It relates to a desktop computer I bought online from PC World and now wish to return. I am within the required 14 day time limit so I wrote to them asking for a refund. I pointed out that I had switched the machine on to test it and they then pointed me to their Ts and Cs which say that by doing that I could not now return the machine. I wasn't quite so certain they were correct about their right to refuse me a refund on that basis and I cited the fact that I was within my rights to test the computer at home in the same way as I would test one in a shop and that I would have tested a similar model on display before I bought it. No, they said (repeatedly) although they repeatedly failed to address my central point about doing the same as if I was in the store. I also pointed out that they had no right to absolutely refuse me a refund as they should, at the least, refund me my money less any drop in value by having tested it. Again they weren't having that. So we are at stalemate - but who is right? I'd be interested in any views as I intend to keep pushing this one with them!

Ive received a county court claim from merligen investments for 330.00 plus interest and costs i have never dealt with them or had any Letters from them. ?? payment demands or default notices!!! Close inspection of Credit File seems it may be in connection with a shopacheck account but cant be certain. (Read a post sonewhere on here that was merlingen/shopacheck) Shopacheck account as far as i believe opened 24th December 2012 330.00 paid in full acc balance 0.00 updated 19/10/2013, old address placed on the record. looks good to me same as C-File. so checked merligen out, DCA who BUYS DEBT merlingen account opened 27/12/2012 balance on account 330.00 updated 21/4/2014 address on the record is my new address. The money claim online papers state; Balance due in full under agreement Defendant had an agreement to make monthly payments for acc xxxxxx4411 but failed to do so interest 26.40 court fee 3 LR 50.00 TL 441.40 huh what and who the hell are they??? anyone dealt with them? ????? so do i raise a dispute on Credit File and defend the claim on the basis "have not a clue who they are" dispute alledged balance. "I DO NOT OWE IT"

Hello, I need help with an online money claim , background to story, Leant a friend £1000 to be paid back in january Communication has broken down, and no offer of payment received or any response have sent him a letter yesterday with 14 days notice to either repay or take it to court, it was a verbal agreement, but i do have a recording where he admits he borrowed the money with intention of paying it back i also have text message, with his account details and saying thanks for helping. and the proof from the bank transfer, how do i word the particular of claim ? is it called that Many Thanks

Hi I just wanted to ask if anyone has used the PPI claim complaints page offered by Barclaycard to make a PPI claim? They have an online form and an option to print out a large PDF form to fill and send. To me there seems to be a large number of questions they are asking including employment status at the time etc, which I can not see the relevance of. If anyone has used this I would appreciate it if you can let me know of your experience,

Last Sunday night I paid online my mail order shopping bill. When I then tried to pay my BT phone bill my payment was declined by the bank. This morning I called into my branch to try and sort this mess out and they wanted me to ring the bank's fraud number. When I asked for help off the bank staff with this phone call I was told that they're not allowed. Although I'm not deaf I do suffer hearing problems and I walked out. How do I sort this so called 'fraud' out without using a telephone? I haven't had any letters regarding this matter. All this fuss is because I tried paying my phone bill late at night! Sheila

I deposited some money to an online trading account who have an operations in the UK. This was about 7 days ago and i have come to have some reservations about the company. I am trying to withdraw my funds but according to their system they charge a £25 fee for withdrawals. Do i still have a penalty free option for 14 days using such a service or am i liable for the fee.? Not sure if this is in the right part of the forum but any advice would be useful.

Hi, I have recently left an honest low-scoring review on TripAdvisor, to which the restaurant responded by providing the exact location of my work, along with my job title. As I am the only person with this job, I can easily be identified. I flagged the restaurant's response for this reason and it was deleted. However, the restaurant immediately re-posted and, as TripAdvisor approve anything and everything, they have allowed it on to the site once more. Are the restaurant legally allowed to reveal my personal information, which I have not given them permission to provide, online, or am I able to take legal action?

Hi There, we have bought a coffee machine for £559.82 inc delivery&vat and it is not what we want for our particular purpose , and we called back as soon as it arrived to for return arrangements but just been ignored.. you can see the invoice attached . so what i did started the money claim online process, i have attached screen shot of the claim page and the mail they sent me after receiving the court order.. we have sent the machine back and still not giving our money back. any advice , what should i say next or do please ? Thank you so much to all of you for having such a place and the time to help us who in need help . Regards Bill

Do you need to check when you may be due to change from Disability Living Allowance (DLA) to the new Personal Independence Payment (PIP) if so use this online tool to find out. Please see the link on this see here >> https://www.gov.uk/pip-checker/y Follow this link >> https://www.gov.uk/browse/disabilities/benefits to find out if you could claim any other benefits or for further information or if you can receive any other financial help...

Hi, Last month, I placed an order with a company called NutriSun. I brought 2x iron tablets, which came to roughly £13.00, making me eligible for free delivery (on orders over £10.00). The following week, I received a delivery card from Royal Mail stating 'not enough postage' on the package - so I had to pay £1.50 to receive my order, as NutriSun hadn't paid! Finally, when the delivery did arrive, it turns out they only sent 1x iron tablet instead of 2. I wrote several emails, and also called them several times over the next few weeks, even letting the phone ring for half an hour on one occasion. No response, no callback, nothing. I've received absolutely no response whatsoever. I realise this is a 'small' issue but the principle is shocking. This is theft, and surely a company guilty of this should not be allowed to trade? What can I do in this situation? Thanks

Can admin please put this in the correct place for me.... This morning I went to my online osyter account to add some pay'n'go funds. The TFL website only allows you to add £50 at a time, so wanting to add £100 I went through the procedure twice, but the 2nd time around the TFL website said the transaction was unsuccessful. Not paying too much attention to the the reason why the transaction didn't complete, checked my bank account and thought ok so only a couple of quid there so thats the reason. I then transferred more funds to my bank account and tried the TFL website again, and again the transaction was unsccessful. The reason being is that they only allow you to add £90 pay'n'go funds. Checking my bank account again I noticed that again there were insufficient funds so I call my bank only to find out that TFL had taken 3 x £50 from my account event though only one transaction shows on my oyster account. I then called TFL only to be told that the last 2 transactions were in a holding account and would be refunded in 2-5 days. So it appears that TFL have a system in place that will seek authorisation from a bank for a transaction and then TFL will check and see if that transaction then meets its transaction criteria, if it doesnt then they will then refuse the payment, but only after it has already taken it. Surely TFL should be checking to see if your request to add funds/tickets to your oyster meet with their critiera prior to requesting authorisation for a payment from a bank/credit card. If you have already added £50 surely if you try and add another £50 their system should say "thank you but the max you can add is £40" rather than continually keep taking funds. I think this sucks and want to raise a complaint but where do I start?

Hi, Don't know if this is the right place to post, so apologies but we are in need of help defending against Shoosmiths. They have issued her on 16th Jul from Northampton Business Centre a Court Claim on behalf of Nationwide. The debt was a couple of years old and I luckily came on this site where you gave suggestions to others to ask Shoosmiths for a CPR 31.14 request because we have no documentation on the debt. ------------------------------ I have issued a formal request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of each of the following documents mentioned in the Particulars of this Claim: 1. The original agreement and terms and conditions from that date. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached. 2. The default notice alleged to have been served upon me, together with proof of service 3. Evidence of how the balance claimed has been arrived at 4. Notice of Assignment. None of the above have been issued to me previously by Nationwide Building Society or Shoosmiths LLP and if this claim is to move forward the above have to be addressed. I have given Nationwide Building Society and Shoosmiths LLP 7 days to comply in writing with the above documentation. ------------------------------ This defence was recieved by the Court through Money Claim on the 19/7/2015, we then recieved a letter from Shoosmiths dated 24th July. In it they state that they have no provision to attach agreements to the claim, therefore this is not a requirement for the Claimant. They then state 'By virtue of the Civil Procedure Rules Practice Direction 7C at paragraph 1.4(3C)' They state '(3C) The requirement....for documents to be attached to the particulars of Contract Claims does not apply to claims to be issued by the [County Court Bulk] Centre, unless the Particulars of Claim are served separately..." I have looked onling https://www.justice.gov.uk/courts/procedure-rules/civil/rules/part07/pd_part07c and cannot see this wording at all. Shoosmiths end by saying 'In relation to your comments regarding disclosure, we would suggest your request for disclosure was premature. We refer you to CPR 27.2(1)(b) They go on to say they have requested further documentation from Nationwide, which is yet to come. They say in the letter they provide an Income and Expenditure form and envelope, which there is no sign of. I replied back to Shoosmiths telling them this and they have replied again, recieved yesterday. They give an I&E form but also say that they have written to the Court saying that the claimant wishes to proceed and can they move it to our local County Court. I have tried to stop this again with a counter claim online, but cannot. Shall I send a defence letter to Northampton, do we only have till the What can we do? are Shoosmiths correct in their dismissing the documents before we go to Court? Any help or guidance would be really gratefully recieved. Thanks