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    • Have submitted bundles   Would now like to apply to have the case struck out because we have not received a trial bundle from the claimant.   What's the best way to do this? It seems that email is not really responded to quickly, but maybe that is the best way?
    • Perhaps, but it doesn’t make any sense with the amount of deposit that you have and your income. What percentage deposit will you be putting down for the mortgage?
    • I think the difference at play here is that I am being honest and saying I have only just finished a DMP
    • I sent a CCA letter to Arrow back in January 2020 concerning old Sainsbury's credit card and loan debt because they were hassling me to up my £1 payments which I have continued to make to Sainsbury's via SO each month - the debt was assigned to Arrow in 2010.  Arrow replied they would need time to get the documentation from Sainsburys.  They sent me two letters, last one in April 2020 to say still waiting to hear from Sainburys.  Then today I received a letter from Arrow to say they now have the documentation but couldnt send it via post because they were very busy because of the Covid19 restrictions! and therefore I would need to email them to request the documentation be sent by email!  Well, I dont want to email them because that then gives them my email address and as I dont trust them I want the documentation in writing via post.  Can I insist on that?  I am aware they are well outside the legal requirements for sending the information.  I pay £1 a month to Sainsbury's for the debt.  The credit card debt they have acknowledged is unenforceable and the payments have stopped.  What can I do over the loan please and the requested documentation?   Advice please and thanks in advance.        
    • Hello BankFodder I do have a sales invoice from SEHBAC showing the warranty transfer and fee paid.   The warranty is a 10-year warranty provided by the installers at the time of fitting 0n the 27/8/2015, fully endorsed by the Glazing federation.   This is underwritten by QA National Warranties. Section one:-  agrees to indemnify the policy holder in respect of making good a defect in the insured works where the contractor has ceased trading and is consequently unable to rectify the defects subject to the terms of the written guarantee issued to the policy holder.  A defect being defined as a physical fault or error in the insured works caused by defective workmanship or defective materials.   Section two:- covers breach of building regulations cover where the contractor has ceased trading. Sadly, in this case I have no claim against the insurers as the company has not ceased trading.   The installers have agreed that there is remedial work that needs to be carried out. The delay during the last few months has been annoying, especially as we are struggling to warm our living space to a satisfactory temperature without excessive use of the heating.   I have no Idea of the cost of the works required.    You have obviously realised from the information that I have given so far, that I feel that the remedial work will not fully address the issues. From the comments made by the surveyor at the time of inspection, the work that needs to be carried out will require the windows be deconstructed and reinstalled, this to me indicates that the workmanship in the fitting was substandard and consequently gives me little confidence that any repair will rectify the problem, but will only be a patch job, unfortunately this will not be known until or if the work is carried out.   I have not had an independant inspection of the work carried out, and would not know who to approach to carry out this sort of inspection.   The installers have given no indication of the actual work required to rectify the issues.   Thank you for your help.    
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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GE Money - wanting a copy of my credit file??


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Hi all ,

 

I issued GE Capital Bank with a s10 to stop processing my data , as I am trying to clean up my credit file using surlybonds template (great template :)

 

there reply was this

 

"however from the information provided I have been unable to locate an account for you , for which we recorded this information . To enable me to investigate this further . I do need to see a copy of your credit report , please forward this to me"

 

so do I send them a copy of it ?

or is there something else I do now ?

 

any help appreciated

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No you dont, if they do not admit to having any account why have they entered any data on your credit file?

 

I would write back and state

 

As you seem unable to verify why this entry is on my credit file from your company, I hereby give you 14 days to remove said entry or to provide proof as to why this entry has been made.

 

CC this to the CRA alomg with their first response.

 

and tell the CRA that you want this removed immediatly

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Yes mate - recorded delivery if after 14 days no joy complain to the information commisioner

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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