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    • That is great news. Many people would have given up and paid after losing two appeals so well done for hanging in and fighting. It has paid off and they have finally backed down before getting whipped in Court. I looked at your NTD and your NTK again to see if there was a chance of going for a breach of your GDPR. Sadly although your NTK on its own could have well deserved a claim, the NTD is good enough not to warrant a claim even though it wasn;t compliant with PoFA. As it is the first Notice that mostly accounts for  GDPR breaches there is a reasonable cause for the NTD to have been issued. However you are now freed from worries about appearing in Court and you have learnt about the dangers of parking especially where the rogues that patrol private parking spaces are concerned. Thank you for making a donation and should you fall victim in the future to the parking rogues or anything else that we protect from, you are always welcome .
    • Hi guys I'm about to submit the defence as per below     There has been no reply to our CPR 31:14 request.  Is it worth adding that I (driver, not registered keeper) didn't actually enter or park in the car park and was sat at the petrol station forecourt the entire time?  Or is that covered by the simple points?   Thanks
    • a DCA is not a bailiff and cant enforce anything, even if they've been to court who are they please? sar to the original creditor FIO isnt applicable they are not a public body. who was this query sent too all the more reason to teach her young upon how these powerless DCA's monsters  work... she must stop payments now  
    • Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
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Partial refund as tv is unrepairable


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Philips are offering me a part refund on my tv set as they are unable to fix it, they've had it for 7 weeks already and have now decided that they are unable to source the required part.

 

I am looking for advice on how much i should accept off them?

 

here is the backstory. I bought the tv in may 2008, and paid £1407 for it. the model is a 47" 7603d. I am paying for the tv via finance and have around £1100 left to pay. The tv developed a fault early march and was picked up on the 12th march.

 

How long should you epect a lcd to last for?

 

If for instance its expected to last 5 years then by my reckoning:

£1407(cost) / 60 months(lifespan) *10(actual life) = £234 off what i paid

 

which is £1173

 

Would this be a fair amount to expect to have back of them? Any less and i'll still owe money to the finance people! I'm expecting them to come in with a stupid offer at irst but intend to push them for as much as i can. Has anyone had to deal with a case like this before?

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I would expect philips to replace it; for there reputations sake and would indeed ask for that first before accepting any refund!

only ten months old defo ask for full refund or replacement; but this should directed at the dealer? television faulty, philips have proved that.

I would say they would last about 8-10 years. lamp can go sooner but you can replace those for about £80.

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Dont give up with philips ( they really are crap products though had DVD players and set top boxs just dont last at all ) though ask for full replacement, they offer manufacturers warranty dont they! to replace or repair? not partial refund thats the dealers normal response. tell them you post adverse comments on cosumer websites etc. when you should praising their brilliant after sales care and service!

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the retailer was brighthouse, after reading stories on here I thought philips would be the safer bet.

 

so, general opinion is I should hold out for full refund? I know they're gonna come in with a ridiculous offer at first, but am prepared for small claims court if they take the mick. just don't want this to drag on for ages, its been 7 weeks just to get this far!

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The remedy is up to the seller to decide under SOGA. So they are within their rights to offer a partial refund. However, I'm assuming that the TV is on HP so SOGA doesn't apply, your rights are found under the Supply of Goods (Implied Terms) Act 1973. From memory, the rights are the same, but it would be best to check.

 

You should let the finance company know what is happening as they are, after all, the owners of the TV. You do not own it until you make the last payment. It is really up to them to decide. But bear in mind, if you don't like what they say, you can complain to the Ombudsman.

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The remedy is up to the seller to decide under SOGA. So they are within their rights to offer a partial refund.

 

However, Philips are not the seller, so SOGA doesn't apply to them.

 

All that Philips are liable for is their own warranty/guarantee.

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