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You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

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    • OK, I found the letter I was looking for:     Dear Sir/Madam,   Reference: [order number]   On [date], I placed an order for a [item] and it was delivered by you on [date].   I have discovered that the [item] has the following problem: [give details].   The Consumer Rights Act 2015 makes it an implied term of the contract that goods be as described, of satisfactory quality and fit for purpose.    Any returns policy that says I have to cover the cost of returning items must only relate to the situation where I change my mind about the item ordered and not where there is a problem with the item.    I should not lose out financially as a result of your breach of contract and accordingly all costs of returning the item should be met by you.    I also require you to confirm you will arrange for [the item] to be collected.   I look forward to hearing from you.   Yours faithfully, [Your name]
    • Pleased to hear that.   A general comment, for future readers of this thread, from my experiences of being an Executor.   Most large companies have a centralised 'Bereavement' department and I've found it's best to notify the death to them rather than the general customer service call centres. Search the company's website for 'bereavement'.   The bereavement departments are in my experience staffed by people who understand the processes when someone dies both for the relatives/executors and within their own companies and they get things sorted efficiently. (I've never had to use Vodafone's though).
    • Hi All, A simple question really. I received a NTK ticket on a lease vehicle last year from Parking Eye. As expected, they were adamant i was at fault and no payment was made. I highlighted to them that their signage no longer had planning permission and this was ignored however since ignoring this, they have gone quiet and have been for roughly 6 months now. I know they can claim for up to 6 years(??) after. As it was a lease vehicle, the RK was the lease company. PE were provided my personal address and had been communicating with me via letter there. I have now moved house and what i would like to avoid is them issuing court papers, something which i know PE like to do, me not being aware and eventually ending up with a default CCJ against my name. I appreciate i could write to them and update my address with them however i worry this may "Wake them up" a bit regarding my case. What is the best approach here?
    • Forget the warranty that means nothing and a warranty does not replace or over rule your rights under CRA amongst other consumer legislation. which state that outside of 30days but within 6mts its the sellers that is responsibility to confirm the item faulty, which has been done.   contact amazon with that proof and demand a replacement, refund or repair as they feel fit.        
    • Thanks BN   I take it this is a good sign then like you say. I certainly won’t be making any payments to them.
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      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
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Guest Alison82

Kensington/Reliable finance

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Guest Alison82

Hi I’m writing this on behalf of my mum

 

She has been contacted by Kensington/Reliable finance for a consolidation loan, she has a large loan with her bank, 2 credit cards a couple of store cards and I think 3 catalogues.

 

This consolidation company says they can reduce her monthly payments from £600 per month to about £200 - £250 per month; they take £44 per month every month until the loan is paid off (9 years I think). They advised her to close her bank account as her bank can take money from it to pay her loan if she starts making lower payments.

 

I know there are companies that can do this for free but I don’t know too much about them, I think it is CCS but maybe someone can explain how this works.

 

She also has a PPI issue to sort out I have given her a letter for that, and about £2k of bank charges to reclaim, we haven’t submitted the bank charges claim just yet as of the court case but I think we should as this way she might get the interest.

 

Also do you think it would be a good idea to CCA the catalogue companies, maybe she can come to an agreement and pay less?

 

Can anyone offer any advice?

 

Thanks in advance

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Does your mum own property

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Guest Alison82

Hi yes she does, her mortage when she took it out was £110k, it now stands as £90k

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I bet the catalogues are something like:

 

SimplyBe

Naturally Close

JD Williams

PremierMan

Fashion World

N Brown

 

This Kensington Finance firm are promoted by Reliable Collections who are the in house debt collections mob for all these above (and I am sure many others too). Reliable Collections suggested I use them too - but I reminded them of the OFT Guidelines which state that they shouldn't be suggesting I take on more debt to pay off their debt!

 

My advice - STEER CLEAR! The catalogues (if they are these above) will probable have no enforceable CCAs - I would suggest doing the CCA Request for each catalogue to see what they produce (I could probable give you a copy of what the copy they will produce because it seems they have no enforceable CCAs in their possession). Once you have all the CCAs from them, scan them in - removing any personal and identiable information and upload them here so someone can advise you.

 

From my experience, as soon as they fail to produce an enforceable agreement, they go very, very quiet - no letters, no phone calls nothing.

 

Good luck!


Welshwizard QC (Quite Content):rolleyes:

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Guest Alison82

^^OMG!! cheecky!! I'm not sure what they are but there maybe a few that you mentioned.

 

I think a DMP would be better than a loan

 

Thanks

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DMP maybe, but check ther enforceability of all the accounts just to make sure first. It's worth the £1 per CCA on the off chance you get some piece of mind that they can't enforce the agreements!


Welshwizard QC (Quite Content):rolleyes:

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Guest Alison82

Yes I will do that, thats a good idea

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