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    • That's wrong on two counts:   1. The time frame is one calendar month, not 35 days   2. The time doesn't start from when your ID "has been confirmed", it starts from when they receive it.   Send them this ICO link   Time limits for responding to data protection rights requests | ICO      
    • Final offer emails-  there is a typo in it - I am Not entitled to a refund in point 1, I did send my email back saying I accept as his typo said I was eligible - but he quickly sent another email saying it was a typo and I was not entitled to a refund.      Email 1   Thank you for your response. We are sorry to learn that you are not happy with the provided resolution.  In regards to your further query, we can confirm that we are now authorised and regulated by the Financial Conduct Authority (FCA). However, your matter does not relate to a contract of insurance, but in fact a plan. Therefore, you do not have the benefit of reporting this matter to the Financial Ombudsman Service.  In terms of your queries, please be advised as follows:  1. Your request: “Refund of the cost you charged me for the boiler repair of £246.”  We have clarified and summed up your concern regarding the repair cost of £246 in our previous response dated 2nd December 2021. As we instructed the manufacturer who attended your property on 13th November 2021 and completed the job successfully. Therefore, you are entitled to a refund.  2. Your Request: "In addition, an exgratia payment of £100 for the poor handling of this repair and complaint." We have clarified and summed up your concern that you logged the claim online and provided your tenant's contact information. As per our record, our relevant team contacted your tenants only on 7th November, 10th November & 11th November. We shared the exact information with the manufacturer so that you or your tenant would not fail to take advantage of your appointment and to ensure matters were resolved swiftly without any further delays. 3. Your Request: "To be freed from my plan immediately with no penalty charged." We have clarified and summed up your concern regarding the cancellation in our previous response dated 26th November 2021. Either you can provide a 30-days notice or for immediate cancellation, there will be a cancellation fee of £144. However, as a resolution to your complaint, we can cancel your plan with immediate effect as a gesture of goodwill by waiving the cancellation fee of £144 that you would normally be required to pay as per the terms and conditions of your plan. Please be advised that we maintain our position and our further gesture of goodwill offer in the sum of £30 remains open to you for acceptance in the full and final settlement.  Please note the following points as discussed regarding your concerns: 1. The cancellation fee of £144 has been waived and offered to cancel your plan with immediate effect. 2. Offered a refund of £30 as a gesture of goodwill.  Once again, we are sorry for the inconvenience we caused you and hope you will find that the points above offer an appropriate explanation and a fair resolution.      Email 2 As you mentioned, your boiler was repairable and it got fixed by a reputable nationwide company for the total cost of £246. In regards to the misunderstanding, we have never addressed your boiler as unrepairable, we always advise you that it was beyond economical repair, in which we use the boiler's purchase value, age, make, and model. The calculation illustrated below outlines how the BER value is calculated. The boilers current market value is calculated by looking at the purchase value and applying a 10% depreciation on this value for each year that the boiler has been in use (age of the boiler). We cover repairs of up to 80% of the boiler’s current market value. As you were concerned about the breakup and calculation of the repair cost which you were offered in the first place, the detail mentioned below: Boiler Type: Ideal (Mini C24, 24KW Combi Boiler) Boiler Value: £566 Market Value: 272.72 BER Limit: £270.72 Part: £320.37 Part + VAT: £384.44 Labor: £54 Total Cost of Repair: (Part + VAT: £384.44) + (Labor: £54) = £438.44 In regards to the repair, our technical team offered an option with the manufacturer (Ideal) repair for £246. As we instructed the manufacturer who attended your property on 13th November 2021 and completed the job successfully. There is not a breakdown for the manufactures offer, as it is cheaper than the original cost of the repair. We offer manufacturing repair for a fixed fee. Therefore, please be advised that we maintain our position and our gesture of goodwill offer in the sum of £30 remains open to you for acceptance in the full and final settlement.  Once again, we are sorry for the inconvenience we caused you and hope you will find that the points above offer an appropriate explanation and a fair resolution. Under the terms of our Complaints Procedure, this is our final response.  
    • quite correct and that is not a bailiff letter!   can i give you a little tip when dealing with all the people  regardless of if they are DCA's or BAILIFFs (not the same }   STOP RINGING THEM! - thats the last thing you should EVER do no matter who it is.   never just pickup the phone or talk about debt of yours or anyone on the phone put it down stating writing only.   now this is for a CCJ there is NOTHING a bailiff can do on a CCJ anyway!! its a county court judgement and there are no rights of entry anyway on county court stuff. only magistrate fines like dvla speeding etc etc.   that letter is infact just a simple letter of them acting as powerless DCA's, they have not been court appointed. i suspect the DCA that got the ccj got it by the backdoor too and now thinks their mates can have a go at being a bully when legally thay cant ignore them!   dx      
    • Firstly, never threaten legal action unless you are willing to take it!   Can you post up the 'Final Response' you received from them today as a pdf with all identifying detail removed.   I've read their T&C you posted and it has a frankly baffling description of how it calculates the BER:   BEYOND ECONOMICAL REPAIR - In the opinion of our approved engineer, we are unable to repair your boiler.   We use an industry standard formula to calculate the BER value, using the boilers purchase value, age, make and model. The table illustrated below outlines how the BER value is calculated. The boilers current market value is calculated by looking at the purchase value and applying a 10% depreciation on this value for each year that the boiler has been in use (age of the boiler). We may provide repairs of up to 80% of the boiler’s current market value.   Version 3.0 Boiler Type Vaillant Eco-TEC Plus 938 Purchase Value RRP £2,521.00 Age 5 Depreciation 10% for each year boiler has been in use Current Market value £1488.63 Threshold £893.18 Cost of Repair £350.00 Outcome Repair Authorised    I eventually worked out how they got from the original price to the 'Current Market Value' [it's not straight line depreciation, for the mathemetically minded it's  (((((£2,521 * 0.9)*0.9)*0.9)*0.9)*0.9) = £2,521*0.59049 = £1,488.63].   But what does 'Threshold' mean?  Not defined or explained anywhere. It isn't the 80% of the boiler's current market value that they refer to. £893.18 is 60% of of the current market value of £1,488.63, not 80%.    So it's hard to tell from their TEC what they mean when they told you "BER limit £270".   Do they mean that £270 is their calculation of 80% of the boiler's current market value? In which case  £246 you want back is well within their limit. Do what Bank Fodder recommends and see what they say.
    • I've been waiting weeks.  Direct number for the mediators is 03001234593 if you want to make sure you haven't been forgotten.  They do seem to have a bit of a backlog though.  
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Re: My Experian Report/default and no CCA reply


aralitra
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Hi everyone,

 

This is in connection with my experian credit report and i was surprised to see some of the defaulted account in behalf of my name were in God's name I even couldn't recognized. First, Lowell Portfolio defaulted me for the balance of £478.00 from the original charge they made of £1,075.00. This is in connection to the credit card I owed to MBNA in which the original credit limit was only £250.00 :evil: and how on earth it reached the amount of more than a thousand pounds i don't know! Anyway, after paying them of more than £500.00, I sent them a CCA and discontinued paying them in which now, they said they are unable to provide me the true copy of the agreement and stopped chasing me. Then i saw my experian, they defaulted me for the balance grrrrrr:evil:. Does anyone know how to send a letter to the companies ( there are 4 companies ) some of which I couldn't recognized but they defaulted me anyhow :( that will clear my name? Please enlighten me again regarding this matter...thank you so much :)!!!

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Can you just clarify is this one account ?

Who are the 4 that have defaulted you ?

 

Will move your thread and re-title

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Martin3030. Thanks for the reply. There's Vodafone which as far as i remember i had no balance left bec. i have paid my phone bill then up-to-date. The current balance said there "satisfied" but i couldn't understand why vodafone defaulted me. It was defaulted on 25/07/2005. Then there's Raphaels Bank ( CCRT UK ) which i never heard of. It says credit card/ store card which i never applied for and the balance is around £1,076.00 and defaulted on 28/08/2007. Who the hell is this Raphaels Bank i have no idea. Could this be another debt buyer? Default yanks your credit rating isn't it? :(

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Hi Martin3030. Thanks for the reply. There's Vodafone which as far as i remember i had no balance left bec. i have paid my phone bill then up-to-date. The current balance said there "satisfied" but i couldn't understand why vodafone defaulted me. It was defaulted on 25/07/2005. Then there's Raphaels Bank ( CCRT UK ) which i never heard of. It says credit card/ store card which i never applied for and the balance is around £1,076.00 and defaulted on 28/08/2007. Who the hell is this Raphaels Bank i have no idea. Could this be another debt buyer? Default yanks your credit rating isn't it? :(

 

 

Hi

 

If you have never had account with these companys, it could be that you have been a victim of ID theft. Do a bit of whacking on the internet and see if these companys use another company name. If not report it to the police asap, get the crime number and send a reg letter to experian, you may find you will need to write to every company and telle them you may have been victim of ID theft.

 

This has happen to a very close friend this year, it been hell trying to sort it all out.

 

Trooper68

Trooper68:)

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