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    • Hi.   SJP = Single Justice Procedure. Here's some reading for you https://www.gov.uk/single-justice-procedure-notices   If you want to ask for an out of court settlement, you need to deal with TfL. You could write to them if you have a contact name, there are examples of letters in threads here.   HB
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    • Your puppy is certainly subject to the consumer rights act because it is classed as "goods". You don't say when you bought it – you simply say "recently". I'm not too certain what the law is relating to commercial breeders. You say that this person is a home breeder. Is there any distinction? Should they have had a licence? There are two issues here. First of all – and probably most important – you are talking about the health of the puppy. You may not have the resources but it seems to me that it's important to get this addressed as quickly as possible – both for the sake the puppy and also for your own sake because if you end up having to pay out of your own pocket, according to you is going to get a lot more expensive. If the tooth is causing the puppy any pain or discomfort or any difficulties then it seems to me that you have a clear duty to get it sorted out as quickly as possible. You made the decision to purchase a puppy rather than go to a rescue home – where these kinds of things would have been sorted out – and you obviously made your own decision to go to a breeder who you knew was unlicensed – and am afraid that all of the baggage your filing now probably comes with those decisions. On the consumer rights issue, it seems to me that you have a clear case – regardless of the consumer rights act – because whether the breeder was a home breeder or not, licensed or not, it is clear that the money they were charging – it was done as a matter of trade. You say that this person is a home breeder – and I understand that the rules are that if you read a certain number of letters per year and sell a number of pups then you do need a licence. I suppose you will have to make your own discreet enquiries to discover whether in fact this person is actually operating as a commercial unlicensed breeder. It's not terribly relevant to your case – but on the other hand it would add leverage to your position. I think the way forward for you is to get two independent quotations for the veterinary work which needs doing and then write to the breeder giving them both independent quotations and telling them that because you have the interests of the puppy in mind you are going directly to have the work done by the cheapest quote. Because of the breeder's attitude so far I would include this in a letter of claim. I don't think that there is any room for mucking around with the welfare of animals – especially when they are being used to make profits. That means that you would send the breeder the two quotes, tell them the date on which the work is going to be done, point out to them that has so far they have been completely uncooperative and refused to get involved that you are now sending them a letter of claim and that you will issue a claim within 14 days unless they pay in full for all the treatment and any ancillary treatment. In other words you make it clear to them that the sum you are claiming for the media work may not be the end of the matter and that you hold them responsible as a dog breeder – commercial or not, licensed or not, for the welfare in good health of their animals. Frankly I think you should tell them that you are going to report the matter to the RSPCA – and if you care about your animals – and the others that are being produced by this breeder – then I think that this is exactly what you should do. I think you should also ask the breeder if you can have any tax receipts for the £1200 which you paid. It wouldn't at all surprised me if this breeder has received the money – effectively cash in hand. You should ask them for a VAT invoice or else an undertaking that they are exempt. We will help you all the way here – but I'm going to say once again, that I think your first priority is to get the work done. I'm sorry that you decided to buy a puppy – when there are so many in rescue centres – although maybe not as pretty looking is the one that you have. I'm afraid that this is the kind of thing which encourages "home breeders" and breeders generally – and particularly with unlicensed breeders – it means that they more likely to be sloppy and uncaring about the welfare of the animals they produce. I think you should tell us more about "Vets4Pets".  It seems to me that they haven't done a very good job either – and I would be writing to them and asking them how come they have managed to carry out this assessment of your animal and yet they have missed this important defect. I think it's important that pressure is put on them as well to smarten up their act. Please will you tell us the name of the home breeder.   I hope this advice has been helpful to you. I'm sure that some of my comments have made uncomfortable reading – but as I say, we will help you all the way and I think you should start acting straightaway in the interests of your puppy – which doesn't deserve any of this  
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zebedee181

Zebedee vs Halifax PPI

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The story starts back in 2001 when I took out a £12500 loan though Paramount, a subsidiary of Halifax. I was pressurised at the time to take out PPI and I was desperate enough to take it as I needed the loan to sort out my finances.

Over the years, as I tried to make the repayments, I tried frequently to get the PPI removed but to no avail.

Since 2007, when I became aware of the PPI robbery, I had tried to get the original details from the Halifax so I could put in a claim. I tried both Halifax(the original) and also Bank of Scotland, as all later correspondece came from them. Neither bothered to reply, despite my sending recorded letters to both on several occasions.

 

The ball REALLY started rolling, when on 12/12/2008, I contacted Halifax Customer Services to register a complaint.

On the 11/01/2009 I sent one of the template letters from moneysavingexpert.com asking for the details and my money back.

On the 15/01/2009 I received an acknowledgement!!!!!!

On the 10/02/2009, I finally received a reply from BOS (confusing eh!) stating they would send the details.

Then I get a phone call from Halifax, saying they have LOST!!!!! my details.:mad:

By sheer fluke, I found my original details, heh heh! :grin:

On the 27/02/2009 I sent a fax to:

 

Adam Owens

PPI Redress

Chester

Tel 01244 692841 (doesn't work, see below)

Fax 01244 695 025 (this works)

 

On the 19/03/2009, I received a letter from BOS Customer Relations

PO Box 29112

Dunfermline

KY11 2ZX

Tel 01244 692 841

again this is from Adam Owens!! (gets around a bit! lol)

 

This clearly states the total to be refunded is £6307.94 PARTY:D!!!! and will be paid within 3 weeks.

 

So I wait, and wait and 3 weeks passes, and because of Easter, I leave it till 15/04/2009 to try and ring Adam Owens. The phone number above is not connected and asks me to ring BOS on 0870 600 5000. This is a switchboard, which isn't impressed with the disconnected number and puts me through to Richard Alba, supposedly Adams' boss on 01224 692824 ( this works!!)

 

And here is where the fun starts..

 

I have rung Richard every day to find out whats happening. The cheque was sent supposedly on the 14/04/2009 ( the day before I rang!! , and definitely after 3 weeks as promised). He offers to cancel the cheque but I want a bank transfer as I have a Halifax account. He gets back to me, and states that they can't do a transfer on an old Paramount loan to an open account???

 

Its now 21/04. I have checked the post every day and it hasn't arrived. I've rung Richard who has 'promised' to talk to the dept concerned. I rang back to find out whats happened and I get Adam, who sits next to him!!

He offers to cancel the cheque and I should get the new one by the end of the week...blah blah. I ask for it next day, special delivery. Richard leaves a message at 5.30pm saying he will ring me tomorrow with an update....

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Hello Zebedee,

 

The story starts back in 2001 when I took out a £12500 loan though Paramount, a subsidiary of Halifax. I was pressurised at the time to take out PPI and I was desperate enough to take it as I needed the loan to sort out my finances.

Over the years, as I tried to make the repayments, I tried frequently to get the PPI removed but to no avail.

Since 2007, when I became aware of the PPI robbery, I had tried to get the original details from the Halifax so I could put in a claim. I tried both Halifax(the original) and also Bank of Scotland, as all later correspondece came from them. Neither bothered to reply, despite my sending recorded letters to both on several occasions.

 

The ball REALLY started rolling, when on 12/12/2008, I contacted Halifax Customer Services to register a complaint.

On the 11/01/2009 I sent one of the template letters from moneysavingexpert.com asking for the details and my money back.

On the 15/01/2009 I received an acknowledgement!!!!!!

On the 10/02/2009, I finally received a reply from BOS (confusing eh!) stating they would send the details.

Then I get a phone call from Halifax, saying they have LOST!!!!! my details.:mad:

By sheer fluke, I found my original details, heh heh! :grin:

On the 27/02/2009 I sent a fax to:

 

Adam Owens

PPI Redress

Chester

Tel 01244 692841 (doesn't work, see below)

Fax 01244 695 025 (this works)

 

On the 19/03/2009, I received a letter from BOS Customer Relations

PO Box 29112

Dunfermline

KY11 2ZX

Tel 01244 692 841

again this is from Adam Owens!! (gets around a bit! lol)

 

This clearly states the total to be refunded is £6307.94 PARTY:grin:!!!! and will be paid within 3 weeks. (you have it in writing then that's a bonus)

So I wait, and wait and 3 weeks passes, and because of Easter, I leave it till 15/04/2009 to try and ring Adam Owens. The phone number above is not connected and asks me to ring BOS on 0870 600 5000. This is a switchboard, which isn't impressed with the disconnected number and puts me through to Richard Alba, supposedly Adams' boss on 01224 692824 ( this works!!)

 

And here is where the fun starts..

 

I have rung Richard every day to find out whats happening. The cheque was sent supposedly on the 14/04/2009 ( the day before I rang!! , and definitely after 3 weeks as promised). He offers to cancel the cheque but I want a bank transfer as I have a Halifax account. He gets back to me, and states that they can't do a transfer on an old Paramount loan to an open account???

 

Its now 21/04. I have checked the post every day and it hasn't arrived. I've rung Richard who has 'promised' to talk to the dept concerned. I rang back to find out whats happened and I get Adam, who sits next to him!!

He offers to cancel the cheque and I should get the new one by the end of the week...blah blah. I ask for it next day, special delivery. Richard leaves a message at 5.30pm saying he will ring me tomorrow with an update....

 

As for the rest of the letter, it's now time to get serious.

Write one more letter explaining there will be no more phone calls:)

send the letter recorded to be signed for at least and keep a track and trace for the delivery date.

Give them 7 days to respond in writing to your request for a bank transfer to you (why is a cheque unacceptable by the way?).

 

Failure to comply will result in you forwarding all correspondence to the FOS with a formal complaint copy to the Financial Services Authority and the Office of Fair Trading. The complaint to the FOS will cost them £500 but the FOS will take a long while to resolve your complaint if it gets that far. Hopefully a letter explaining your next actions may gee them up a bit:mad:

 

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Success!!!!!!!!

 

 

Sorry for the delay in posting this, I've been too busy spending the money:lol::lol::lol:!!!!!

 

My original issue with having a cheque was that I've waited so long that I wanted the money NOW, in my account by bank transfer. When you go to take out a loan, the money is put in almost staight away. So why is it not done in reverse? (obviously the longer the delay, the more interest the Bank makes, but its about time they changed their business model).

 

After the fiasco with the first cheque, and with the end nearly in sight, I was getting frustrated and I wanted to get MY hands on MY money.

 

Anyway back to the story!

 

A new cheque was issued on 22/4, sent out on 23/4 and was received by me on Friday 24/4, via next day special delivery post. Obviously it went into the bank (Halifax, LOL!) straight away.

The money cleared on Wednesday 29/4 and I've been spending it every since:-D!

 

So the moral of this story is to read as many relevant threads as you can, to get an understanding of how the system works, and how people have fought back to reclaim what is rightfully theirs. It can and is being done.

 

regards

 

Zebedee181

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congratulations:D

 

Don't forget to post in PPI successes in the stickies at the top of the forum.

 

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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