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Found 158 results

  1. Looking for help with claim against Royal Mail in small claims. They admitted to losing my 'signed for' package, but then failed to reply further or compensate me. Four months afterwards, I issued Small Claims writ and they sent me standard letter and standard cheque for compensation two weeks later. They have put through their defence which from reading other threads is the same they always use, ie: 1. No contract was entered into between parties for the delivery of the parcel (they mention Harold Stephen & Co V's RM 1978 as reference). 2. The defendant has immunity to a claim in tort in respect of the transmission or delivery of post. Saying they cannot be sued in contract or tort. I know of one case on here that they lost in the County Court. However County Court proceedings are not recorded as far as I know. What I am looking for is any evidence of similar proceedings, a letter explaining the court's reasoning or similar. If anyone had anything they could redact and post I would be very grateful.
  2. I recently won a ccj against my brother. Once the ccj was given, with a debt of £40k my brother declared himself bankrupt. Prior to declaring himself bankrupt he transferred £30k to a third party bank account (he did not declare this when we were in court regarding the debt he owed me). The Official Receivers found this transaction. We are yet waiting to hear who this money was transferred to, my guess is another sibling. Also he transferred for nil value land and a house in Canada to his now ex wife, who he divorced just prior to going bankrupt. I am hoping these property transactions can be reversed as the total sum for both is around £45k. I am the only creditor so if any monies are received will the receivers reimburse themselves before paying me?
  3. A few months ago I ordered some Fischer rawlplugs online. Inside there was a scratch card which I won and called the company to claim my prize. They said someone would contact me but several phone calls later and several promises later and I still haven't received any call to tell me what I've won. Can I take action? If so how do I contact?
  4. Just an outline. My father parked near his home where he was not aware that it had become a parking zone. Parked on the road side where he did not notice any signage stating he was not able to park in that area. He later received a parking fine and disputed it sending evidence of where he parked and where there was no parking signs stating he could not park in the area as well as the information below: On page 52 of the Department of Transports booklet ‘Know your traffic signs, 2015 and relating to controlled parking zones, it states ‘The times when these operate should be shown on signs at the bays; these times may not be the same as those shown on the zone entry sign’. There are no bays on the road and there was no signage. The letter was sent to them on 1st January 2018 in response to their letter dated 21/12/18. During this time they stated that they sent my father a 'Notice to Owner' dated 15/02/2018, however he did not receive this until the date for response was past. He wrote to them on 2nd April explaining this. However in this letter they also rejected my father's appeal and a request was made to pay the lower rate of £65. They did not respond to my fathers letter until 13th June 2018, over 2 months later. At this time my father was abroad burying his brother and visiting other sick relatives and returned to the UK on 9th July 2018. (He left the UK on 11th June). By this time the time limit for completing a Witness Statement or responding had run out and although the reason for this was explained to them and copies of his passport and ticket was sent to them, they stated it was 'unfortunate' that he did not receive it in time and increased the amount to £195. They also did not respond to his request to pay the lower amount in this letter. My father then sent a postal order for £65 instead of the £130 in a letter dated 14th July, and they have now responded in a letter dated 28/9/18, over 2 months later stating that he did not make representations to the Notice to Owner dated 15/2/18 or pay the full amount and as a result the amount was increased by 50%. An £8 fee was further added for and Order of Recovery with a Witness Statement attached. They sent an Order of Recovery on 11/7/2018 with a Witness Statement attached but instead of completing the statement a letter was sent instead dated 14th July. The have waited over 2 months to then state that the £65 cannot be accepted as full and final payment and still want him to pay £195 minus the £65. Although they have stated 'Should you have grounds to file a Witness Statement out of time he should contact Northampton County Court but then go on to state that filing a late statement will not cancel the PNC or reduce the outstanding amount, I think this is quite pointless as nothing would be achieved. I hope this is not too complicated. Is there anything that can be done considering my father's predicaments and their inconsiderate behaviour:?:
  5. My 82 year old mum hasn't been too well recently and her local Nat West Branch has closed down and the new one is a nightmare for parking and she doesn't walk too well. She also got caught out by a phone holiday spoof to the tune of a few hundred quid and became paranoid about the company knowing her account details so we decided that maybe a change to a new bank was a good option. Barclays is my and my sisters bank as well and as difficult as it is to talk about if something happens to mum before it happens to me we theorised that if we are all at the same bank things would be easier to deal with, but it has all become a bit of a disaster!! We had a meeting with an advisor who looked into it and after doing her bit on computer stated that mum qualified for a basic account which would not include an overdraft or the option to loan. To be fair mum has plenty of money in her account and gets very good pension and investment returns so the need for an overdraft or loan is highly unlikely as her balance stays pretty much the same each month and it's far higher than my balance is!!! The one thing the advisor forgot to mention though was that mum wouldn't get a cheque book and I wouldn't have know that anyway being a Barclays Current Account holder since I was in my teens!! This was only brought to our attention over a week later when I rang Barclays to ask because mum mentioned she hadn't received one, which we obviously thought was the norm, but was told that she couldn't get a cheque book for a basic account. We then went back for a meeting because this was baffling. It then became clear that mum had been declined a current account (hence the basic) but the reason for why she has been declined is unclear and apparently the advisors do not get told the reason so obviously the customer cannot argue against it. The advisor to be fair did apologise profusely for not explaining clearly and for forgetting to mention the cheque book and said the reason could be something to do with a credit score. I've however checked mums credit score on Experian and it was 999. She has no debts, mortgage paid off years ago, no loans taken out for years if ever as far as I know, plenty of cash in the account and has never had an issue getting credit cards, of which she pays off in full...… Could this be the problem?! The annoyance is that mum relies on her cheque book and is in a muddle and is having to either get me to send cheques for her or she has to withdraw large amounts of cash. The bank suggested waiting a couple of months and when they have seen how the account is managed and that Barclaycards have been paid off etc then they can reapply for a current account. If it is still declined then the only option is to go back to Nat West who have already said she can have a current account with cheque book like she did before, but it will obviously be a pain switching once again and I suspect all of the Direct Debit companies will be baffled as to what is happening!! Barclays have also made a mess up with statements as well with mum not receiving one statement in the two months since the account opened so I am chasing up that as well mum called Barclays Head Office last week and the guy on the phone couldn't understand why she hadn't been given a cheque book so we will wait and see if he gets any joy, although I would say probably not!!! So any ideas as to why this happens? Especially as I as an 18 years old got a current account without an issue and with probably no job at the time albeit 35 odd years ago!! It seems bizarre especially as they hide the reason. I am wondering in part if it's because she is a retired widow so upon first check they may not have known what monthly income she would be receiving but they would have seen from the account surely? Help massively appreciated.
  6. A Builder I paid to do work, did only 70% of the work and more or less abandoned the job for a much bigger project. I had to engage somebody else to finish it. I wrote and threatened legal action, he laughed in my face. I sued in the County Court for £6,500 and won by default because he did not even bother to send in a defence, instead he sent me a check for £1000 two days before the deadline for his reply to the case, asking me to withdraw the case that he will endeavour to pay the balance because he is strapped for cash right now. He then applied for the judgment to be set aside with an N244 application, He lost his N244 application, it was dismissed. He has now appealed that court judgment. In his application he also asked for the court to stay execution of the £6500 judgment I won, pending permission to appeal and subsequent appeal. His reason is that he does not have money and will suffer hardship. I received his notice of appeal by email. (which is ok by me, I have not been served by the court, though or any date given for the case to be heard on this appeal) When I saw he applied for stay of execution of judgment, I drafted a witness statement opposing the stay of execution, I listed his assets, which includes, 2 rental homes, an investment farm, he rents out to a tenant farmer. A small part-ownership of a taxi business (I knew about the assets because he is boastful and boasted about his wealth) I searched land registry and the houses and farm are all his. I sent off the witness statement opposing his application for a stay, by e-filing to the court. Now, the court has written me, asking me to file a respondent notice (N162). (I am a litigant in person) He has a firm of solicitors representing him. I agree with the decision of the judge. I am not appealing the judgment I won. I just sent in the witness statement to show he is lying about his assets and should not get the judgment stayed pending permission to appeal or subsequent appeal. I have tried to fill out the form, but I'm stomped because I don't know if its because of the witness statement I sent in or if its how I am to present my side in the appeal. His lawyers did not file any skeleton argument with their N161, their reason was that they were awaiting further instructions from client. Its over 3weeks now, I still have not seen any other paper work from them. Sorry for the long first post. My question is - Why do I need to file an N162(respondent Notice), I agree with the decision of the judge, I am not appealing the decision in any way. I just want to oppose his application for stay of execution pending permission to appeal or appeal itself.
  7. Hello Everyone In essence. I bought a car, pre-registered by a franchised dealer though with delivery mileage and so considered a used-approved car by them. The cost was £70000 The car developed a transmission whine within the the first 35 miles or so. Dealer asked me to keep using the car a wee while longer and 'drive-it-in', though they booked in the car for 2 weeks or so hence. This I did for close to the two weeks then the car needed recovering as it had broken down (loose HT Lead they said) There kept the car to investigate the whining. And provided me with different loan cars then finally a car identical to mine and yes...with the same problem but way worse! They invited me to drive other cars of the same year and model..new ones from the forecourt. these too made the same sound! They fobbed me off with it being a 'feature of the car'...feature it may be but its a whine that exists when the car is in gear and at certain speeds and not at all when allowed to free-wheel Car was investigated using diagnostics provided by the manufacturer and this took...14 weeks. the car was then returned to the manufacturer for further investigation. after 2 more weeks I decided to reject the car. Its been too long and Im in limbo No faith in the brand nor its customer services. I invoked my short-term right to reject, as the clock 'stops' once the car is returned to the dealership There have been many discussions with the dealership. they aren't keen on emails nor recording what is said, nor referring to my emails in written replies. I have asked for my money back or reasons wy they aren't paying. And that I will not be taking any further calls...email only The dealer has now stated that they have not accepted my rejection. That I must 'work with them' ..that old reply...Ive maintained the same stance of rejection and the reasons why, and used their own warranty guarantee...which is really a copy and paste of Consumer Act . If they don't accept it...it ant happen!! Any members here with a dynamic way to punch through their nonsense?? Oh..the car, is miraculousl now cured...with a clip apparently...its an issue which dogs hundreds of these cars..its on many forums. Im a consumer champion!!,,,no... Seems Im just being 'picky' haha
  8. Following on from this thread https://www.consumeractiongroup.co.uk/forum/showthread.php?487703-Changing-a-Power-of-Attorney&p=5139451&viewfull=1#post5139451 Helping Mum deal with husband's finances, she has POA. There was a standing order for £15 pm going to Capquest, no reference recorded and no correspondence received for at least 4 years. Capquest can't trace an account or any payments received (I gave the a/c no and sort code of the originating bank). There's no record of any account with Capquest on CRA files. Other than asking the originating bank how far back the SO goes and if there was ever any reference associated with it, any suggestions? If Capquest can't trace an account, I think they should be refunding.
  9. Hi, My relative attempted to book a train ticket from destination A to destination B in the EU. Instead she bought it in reverse from destination B to A, the prices are the same either way. Immediately after purchase she contacted the website to adjust the error. She was told she made a mistake and that the tickets are non-refundable entirely blaming her for the error. However, I am not sure the error on the ticket was entirely her fault. 1) She has a disability and found the website was confusing and difficult to use. There were web accessibility problems. Web accessibility problems will have a disadvantage to people with certain disabilities and it will cost them money in a situation like this one. 2) She had to keep on moving back or refreshing pages as they kept timing out. The error made in the purchase might have been the result of the poor website performance, or because she had to go back on the pages. 3) The information provided on the site was not clear enough, or was not delivered in a way that was clear enough, further increasing the possibility of the error being overlooked during the check out. 4) Despite reaching out to the seller immediately after making the purchase for a ticket for a journey that is to take place only in July, the seller refused to reverse the charge or fix the error on the ticket. 5) The seller blamed my relative for the error, when the fault could lie with the website itself. This would actually means that a seller can design a website that would deliberately lead some customers to make errors, thus making people buy two tickets instead of one, and in that way sell more tickets. It’s concerning. Do we have any rights in these situations? Or do the ticket selling sites do what they want more or less? Any views would be great. Thank you.
  10. I purchased a phone case from the company Spigen through their eBay store on 6 November 2017. Over a month ago, I discovered there were cracks on the back of the case. Neither the phone or case have had any form of impact since purchase. I contacted Spigen and asked if they are able to help. They refused because I was outside of their three-month warranty, and offered me a 'slight discount' from any new purchase. I explained that I am covered under the Consumer Rights Act 2015, but they continued to reiterate that they cannot help. The company has also refused to use an ADR scheme. They also said that when I purchase an item with them, I automatically agree to their terms and conditions which entails THEIR returns/refunds process. What are my options????
  11. I recently won against PRAC financial in a claim they made against me for a disputed PDL. (The dispute is still awaiting FO decision). Exact reasons the judge quoted were no evidence of assignment of the debt to PRAC and no evidence of a Default letter sent. Also their default was in the wrong company name. My other thread regarding the claim... https://www.consumeractiongroup.co.uk/forum/showthread.php?484274-PRAC-BW-claimform-old-PaydayUK-PDL-Debt-***Claim-Dismissed*** Today I had an email about a change to my credit report. Turns out the change is PRAC reporting a missed payment. Considering I won the claim what do I need to do to them. I assume writing to them stating the judge ruled no default/assignment so they have no right to either use my data, make changes to my credit record or in any way deal with me. Then demand they remove all entries? Any tips/examples floating around that will guide me?
  12. Hi All Really appreciate your help on this. I have googled and I don't think there is anything we can do, but thought I'd check here. My mother had a quote for £2700 for some building work. She Emailed the builder and he set a date to start work. She had a reply saying it was confirmed etc. They sent numerous communications. Then she had a reply from the builder on a fake Email address that looked just like his asking for £900 payment to secure the date. She checked his references etc and it all seemed okay. 2 weeks later the builder called her asking for payment to get the scaffolding started. Obviously she thought she had paid. She hadn't. The bank investigated and the fraudulent account now has no money in it so they say she has lost it and it she was at fault. I told her to ask the bank in writing how long the account was open, how many frauds occurred and when was the first one. I heard you can complain based on the bank not closing the fake account in a timely manner. Anything else you would recommend? Thanks D
  13. We recently had a flood upstairs and our downstairs room was destroyed. We've had no claims insurance for more than 10 years. We put in a claim to our insurance company who were dragging their heals ( like they do) they came and asses the damage and we thought the claim was going through. Then out of the blue we were sent a letter by a different insurance company stating we had to renew our policy. My husband had insured is twice by accident for home and content insurance!!! He called the other insurance company and told them about the flood - they asked if we had any other insurance company and he said no, but he wasn't really listening to the questions properly either. Straight away they stop all claims and sent it to the investigation team.! The same underwriter looked at both cases and the second insurance company said they've rejected the claim due to fraud and the 1st insurance company who took 4-5 weeks to come to this conclusion And informed me today they also stop the claim for fraud! This was a genuine mistake - getting two policies (why didn't they tell us) and not telling each insurance company about each other. He thought they were the same company!!! We now can't get any compensation for £4000 worth of loss....my house is a mess and I've waited 8 weeks for them to come to this decision. With 4 kids running around it's quite dangerous now Can anyone help or advise on what to do? Will this effect future insurance? Have I got a leg to stand on at all?
  14. Hi, first post here, please forgive me for it might be a long one - I've summarised at the end if you want to skip to the questions. I recently won a small claims case against a car dealer a few weeks back, however, I feel that they have no intention of paying and I have a number of questions. The judge gave a deadline for payment of next week but no paperwork has been received yet. I tried calling the courts today but it was late in the day and nobody answered, I'll try again tomorrow, hopefully they're not shut due to the weather. With that in mind, if the payment deadline day comes and goes, I'll ask for the judgement to be enforced. The problem here is that the dealer could say that they have not received the paperwork (despite being given the deadline on the hearing day) and ask for it to be set aside. I understand that time is of the essence in legal matters so I'm unsure whether I should wait for the paper work to come through? Then I'll ensure I forward it on to the various addresses I have as this'll give me evidence that the dealer has received it. Or should I apply for the judgement to be enforced regardless and get the HCEO on the case? I ask this because I know they have no intention of paying and I foresee that they plan to mess me around and I want to try to stay ahead of the game. Even then the above timing issue is resolved I think I'll have to get a HCEO on the case but I have a feeling the dealer has been through this process before so will undoubtedly make it such that there is nothing for them to take. So, my next question is regarding the best possible route to getting my money back. I'm aware that there are a number of possible options: 1)HCEO (Shall be the first port of call) 2)Freeze bank assets (unclear on this one as I see them swindling out of this by changing accounts, using joint accounts etc) 3)Order for information (I think he'll lie, and the same goes for attachment of earnings) 4)Charging order - this is the one I quite like the sound of, however, I'm unclear about what happens when this is applied in the case of a car that has to go back to the dealer. Should the person not sell their house for the next X years, what happens to the car? Will it just need to sit around? I can't imagine there is any other option and this is what I'd like advice on please. To summarise: 1) Should I wait for the court paperwork to come through before enforcing the judgement? 2) Is a charging order on property suitable when there is a two way transaction required - if the property isn't sold the car will have to sit around. Many thanks.
  15. Apparently I owe WDA some money. I don't recall the loan, but it was from a time (2012 or 2013) that I had lots of pay day loans. I have paid off or resolved all of them apart from these prats who out of the blue around 6 months ago started calling me. Likely it was £100-£300 (lol) When I answer I refuse to give them any personal details "go through data protection" and say I don't know who they are. If I owe them money then send me a letter. But they don't. I mean they don't have my current address but where I lived at the time my friend lives there still so I can get any letters addressed to me there as far as I know. I was told early on to check my credit file if I don't recognise the debt but I don't see anything on there. I have told them I will report them to the FCA if they continue to call but I haven't done this. Should I? Thanks for any advice!
  16. Hi I purchased a sofa on eBay from an actual company, as opposed to a private seller. I paid using a credit card, but as it was on eBay, it went through PayPal. I entered my card number directly, rather than using it as a funding source, if that makes sense. I.e. it was a direct purchase with my card rather than PayPal being used as a staged wallet. I make this distinction because I wanted to know whether this gives me any section 75 rights. So anyway the sofa broke after 3 months. The wood supporting the legs broke so the legs went up inside the base.. Although it was only £150, an item should be fit for purpose and not break so soon, especially as the item description said 'high quality materials used'. I contacted the seller but they wanted nothing to do with it, insisting that I should have noticed the defect earlier. As it was over 30 days, they claim I had accepted the item and could not return it. I supplied photographic evidence but they said that someone must have exerted excessive force on it. This is untrue, we have only sat on it normally and not even used it as a sofa bed which it does convert to. So I opened a dispute with PayPal. They heard my side of the story and I asked if they required either the photographs or the correspondence between myself and the seller as proof, but they said not yet, they would request it if they needed it. The next thing that happened is the seller responded to the case (I didn't get to see their response) then PayPal ruled in their favour without me being able to offer any counter argument or evidence. I need to know what I can do next. Should I contact my credit card company? Info on MoneySavingExpert suggests that using PayPal prevents you from claiming under section 75 but it doesn't draw any distinction between PayPal as a wallet and PayPal as a gateway service. I was hoping that using my card directly may help. What other options are available? My wife was successful in using the government Money Claim service so I may do that if the credit card avenue is not viable. The eBay returns process doesn't seem to cover any scenario after 30 days. The company is Furniture In Fashion if that helps or rings any bells with anyone. Any advice welcome! Thanks Burton
  17. I have a joint account overdraft debt (First Direct) from 2005 which has been on my Payplan DMP since 2011. The current DCA (Arrow Global) appointed Restons Solicitors who sent Claim Forms to both me and the other party, my ex. Payplan sorted my reply offering £1 per month. I didn't realise that my ex needed to send Acknowledgement of Service and I told him, wrongly,that I had it sorted with my DMP. The claimant rejected my offer and the court issued me a judgement by determination for £20 per month. My ex was sent a judgement by default. (The amounts on the two judgements were different, and on his default judgement it stated he'd paid £1, which he hadn't - it was my £1 from my DMP). I subsequently applied for a redetermination as I thought we would each submit budgets and he would start his own DMP and we could get the monthly payments reduced. The redetermination hearing is next Wednesday and states both me and my ex as defendants. My ex is long term unemployed, on jobseekers allowance and housing benefit. I am 58, self employed, on a low income and in receipt of working tax credit. Neither of us has any property, savings, assets, insurances, or anything of value. The debt is the second smallest on my DMP (total debts £24.8k). My ex is furious that he now has a CCJ and refuses to attend the hearing and refuses to do a budget. I feel responsible for sorting out the mess. My girlfriend has now offered to pay the claimant in full & final short settlement if the claimant will agree that no further liability is due from either party. Total being claimed is £461.80 plus £107 costs, so £568.80. After a couple of offers and counter offers, Restons said on 22nd Nov they would accept £422.85. I offered £400. Restons say they are waiting for Arrow to decide whether to accept my £400 offer. They're both dragging their feet unnecessarily I feel. Since it's less than 5 days before the hearing it's too late to apply to "vacate the hearing" so I must attend the hearing, alone. I need to email the court to tell them of this new development and also include authorisation from my ex. I want to email the court today or tomorrow latest to tell them about my offer, also including email from my ex authorising me to do that, also that the delay is down to the claimant. How should I word my email, how should my ex word his email, and since its a redetermination hearing that I applied for, how will the offer of short settlement affect the hearing especially since my ex won't be there. I know I ought to have sorted this out sooner but I have ADHD and also long-term depression, which makes life difficult sometimes. When I originally got into debt, before my DMP, things got so bad that I had a breakdown I'm better now. I've spent hours and hours looking up civil court procedures, protocols, practice directions, legal processes, advice websites, CAB signposted me to RCJ free advice session and they suggested I attend the hearing with my budget, which I will do. I just need to know how to handle communicating with the court about the changes, and at this late stage I can't afford to make any more mistakes. Any relevant advice much appreciated. Many thanks
  18. Hello all, Thanks to all on CAG as a great result was recently achieved. PAYDAY UK has completed investigation on loand between 1st st February 2008 to 30th April 2009. Result was: Agreed funds lent irresponsibly. Total Redress: £1,710.53 /today received transfer from uncle PAYDAU UK/ Still under investigation: 28 September 2007 to 31 January 2008 as I need to do more home work and provide some details they asked for. Will keep posted on result. BTW My success CAGers is also yours. So donation was made to keep this place runnin till the end of World! and one more day
  19. I'm in a bit of a pickle and am hoping someone can help me work out how to get around this: I bought my partner an Apple laptop via eBay three years ago. All seemed above board, but I collected in person and the seller insisted I pay cash as they didn't want to risk a Paypal chargeback - fair enough, I thought. At the time, they assured me they would send me a copy of the original Apple sale receipt and I asked several times. The seller then stopped responding to my messages. Not an issue, I thought, since I had the laptop and didn't think the proof of purchase would be an issue. To prevent the laptop being used if stolen, we put a firmware password on the laptop - this is a low-level password that effectively locks the Mac altogether if the hard disk is changed, which makes it very difficult for thieves to use the laptop if they steal it and try to wipe the hard drive. Six months later in 2015, we realised that we had forgotten the password. We took the laptop to Apple and, after e-mailing every bit of correspondence I had had from the eBay sale and with the seller of the laptop, a nice chap at Apple Ireland authorised my local Apple repair shop to reset the firmware password. Thinking we were out of the woods, my partner put a new password on the machine, wrote it down safely in a book, and that was that. Fast forward to two weeks ago, and we have realised that we have once again forgotten the password, and, having moved house, have lost the book. However, this time, Apple have refused to reset the password, because we don't have the original sale receipt for the laptop. Apple have said that, since we don't have the original proof of purchase, we will have to pay around £500 to have a new main board (the logic board) replaced. My instinct in this matter is that, having proven once beyond reasonable doubt that we are the legitimate owners of the laptop, a reasonable person would believe that we are still the rightful owners of the laptop, and Apple should remove the password. If somebody could help, we would be most grateful (in fact, if you can help us get Apple to authorise this password removal, I will send you £50 and a crate of beer/cider/wine/fizzy pop of your choice) Thanks ever so much! Alex
  20. I have a surround-sound headset which has developed a fault and apparently the headset has been out of production for some time so the manufacturer has offered an alternative headset as replacement. I wasn't given the option of repair (their warranty covers replacement or repair). So this is where it gets annoying/silly. The headset is proper surround-sound with a microphone and a high quality desktop volume control. The replacement they suggested is a stereo headset, without microphone and no volume control! They don't make a surround headset any more so can't offer like for like or better - which I believe would be required under UK law. It was bought in Maplins but now I'm dealing with people in China so have no idea where I stand here. I don't want to RMA it and send it off to them (as they are suggesting) only to be told when they have it that they'll replace it but not like for like. I've tried to get them to commit to naming the replacement they will send me having said I would not accept their suggested replacement but they don't seem to want to commit, which is worrying. The headset is just over a year old on a two year warranty. Can anyone suggest what I should do, and should I in fact be dealing with Maplin as the retailer rather than the manufacturer? Thanks for any help.
  21. JHi, and thanks to all those who contributed to my other thread in respect of ESA, the help has been greatly appreciated and I would appreciate any same kind advice on my PIP Tribunal was has now been listed and will proceed in a few weeks time. My initial reason for the Appeal has been based on the time it took the assessment, (approximately 14 minutes) and this was for two conditions, physical because I have a heart condition and for my mental problems which are secondary to the heart condition, PTSD, anxiety and depression. During the examination, the assessor just repeated the same questions that l had provided in the questionnaire and no physical examination was carried out, giving the time it took as opposed to other assessments that I have taking , it was as if the decision was already made before I walked in there, the assessor was and in theory just going through the bare minimal motions which I feel is unfair and not to mention the fabricated report which if true would have taking the assessor about 45 minutes to an hour to conclude what he concluded which was a complete pack of lies in all honesty, my wife who cares for me was at this assessment. I feel and this is purely based on previous assessments and not just an assumption that I was denied the right to a full and proper assessment which every claimant should have any rights too, have I got grounds?, thanks
  22. We have motor trade insurance, with three named drivers on the policy to drive any vehicle. The police pulled one of our vehicles over as it didn't show up on the MID. It was explained that it was covered under the policy and I even drove down to meet the officer and gave him the insurance papers. The police officer misunderstood the policy and said the driver was not allowed to drive the vehicle but I was allowed, but he still ordered a tow vehicle and impounded the car. We got our insurance company to speak directly to the police the very next morning to say the driver was covered to drive the car. It cost us £170 to get the car released from the pound and I have contacted the police legal team to claim reimbursement for this amount. Their legal team have come back with, 'The police officer was in belief that the driver was uninsured and therefore right in impounding the vehicle, therefore they deny liability whatsoever in respect of reimbursement of any fees'. They also lied in saying we did not provide evidence of the driver being insured at the time of being stopped, which we did and we have another witness to prove that. I am so angry because we have not committed any crime, yet they are treating us like criminals and charging us for it.
  23. Hi, I have emigrated from the UK, but Lowell keep sending letters to my old address. They are being marked with 'No Longer at This Address - Return to Sender' but, after being returned, they send out a new one to the same address. How do I make these guys stop? For what it is worth, I do not even owe the debt. Prior to moving, I cancelled my contract with Plusnet. I paid off the last remaining month, then cancelled the direct debit just in case they forgot to close things off on their end. That is exactly what ended up happening as, a month later, they sent me an e-mail asking me to get in touch with them over money I owed them for the previous month. I did so and I was told that they no longer have me on their list of active customers, so they are not sure why I was billed and they told me that I didn't owe them any money. A couple of weeks later, a letter arrived in the post. I have googled the address and traced it to Lowell's. It appears to me that Plusnet have sold off a debt that doesn't exist, who will now not stop sending letters. As I am overseas, the letters are not being opened and there is not a great deal that I can do to respond to this. Does anybody have any suggestions?
  24. Hi-a company has essentially not paid £300 of mine. I recently sent a final demand letter via tracked post and i can see that it was not sign for at the other end, it is actually being sent back to me. They are also not responding to emails although they were responding before. Can someone please tell me how i would go about suing the company. thanks!
  25. Hi, I've been in a long running saga with Idealworld over a faulty Xhose. I owned it for 2 years and 2months when it fell apart (the inner expanding sleeve parted from the fixing). There is no one that repairs these hoses I contacted IW and said I want a replacement and they said it's over a year old - bug off! I've tried Resolver to see it that would help (as it did when I used it on NatWest) and we had a dialog over 6 months where they offered me exactly 4/6 of the original price of£56 and then they went silent. A month ago I was told by ConsumerGAA (which is what you get instead of Trading Standards) to write to warn them that I would take them to the small claims court - the deadline has passed and nothing has happened now I either have to back off and right off the money or risk taking them to court and the debts that it could incur Thoughts?
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