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    • If only that was his worst .. absolute peanuts compared to his recent wastes though ..   £500 million to tory pals in failing to collect a couple of hundred spit samples a day £12 Billion on Trace a test which has largely collapsed at the very start of the winter upsurge £88-100 Billion+ on Brexit as of earlier this year just in lost growth (from memory) Over a £Trillion in assets fled to the EU (Including Redwood and Ress Mogg) £288 million a week ongoing for Brexit and post brexit customs bureaucracy - whenever they get the systems running Nissan and Toyota saying UK taxpayer pay any Brexit tariff bills or Plants including Sunderland are unsustainable   How much are the lorry parks costing?   ... and he still REFUSES to feed hungry UK kids  
    • If the windows had already been made and were ready to install, he would surely have offered to do it without further delay.   Instead of arguing the toss with you, why is he not trying to sort a day to install and rescue the situation.   Despite the good reviews for the company, I'm not impressed but see what Bankfodder suggests.
    • Thanks DX, I've read these a few times over. I'm feel like I'm pretty confident on the subject.   Do you think I should play dumb and quote the law of property act etc anyway?   The only thing I'm not sure about is the process now, I'm obviously very inexperienced in this and I'm not 100% sure what the sherrifs order is asking of me (post #53). Or maybe I don't need to do anything at all because I'm not submitting any documents as evidence?   The order is post #53 and I'm not sure what they mean by written submissions? is there a form or correct format/process for doing this?   Again, appreciate the help DX and sorry for all the Qs.  
    • Hmm, that is a challenge, my computer ability is limited to copy and paste, which I have included below. Is it very important? I can try and find out but I have the email reply and that is all, sorry   Friday, October 23, 2020 5:28:53 PM To: enquiries@idealwindowsolutions.co.uk <enquiries@idealwindowsolutions.co.uk> Subject: Order cancellation RF14127D   Dear Ideal Window Solutions,   On the 11 of June I signed a contract with you to deliver and install double glazed windows. I was promised to get it done within 8 weeks. The timing was very important to me, I made it very clear to you, and this was the main reason I chose your company. For all kind of reasons your promises did not materialised. After a number of phone calls and emails between us I have decided to cancel my contract with you. I am not prepared to wait any longer, also I have no intentions to install windows during rainy winter time.  Could you be so kind to refund me my deposit of £100 pounds. If after winter time you will get your problems with your suppliers solved please give me a call, maybe we can try again. I will need  new windows anyway. Kind regards,
    • An update - The salesman who has dealt with most of this is off on Mondays which never helps and the senior service person there who I spoke to last week is also off all week.   I got a call from a service advisor today confirming the booking but was concerned I was waiting - explained (again) the story and he understood but on his job card, only had that he had to investigate the tyres and not necessarily replace.  Someone either is not communicating or I've been told lies.  I have gone through the recording and the salesman clearly states he has gone to upper management, discussed it and we will be replacing the tyres and battery to sort everything out.   Sat nav will be resolved tomorrow and they'll be looking at the broken sun visor.  I have also emailed regarding the gearbox service - I have a good friend working at Audi servicing at another group and he had mentioned Audi should be carrying out servicing if due within 4 months or so and this was.  I raised it pre-collection a number of times and was shutdown each time with "if a service needs to be done, it will be done"   Fast forward to today when I got the job card to sign in advance, it clearly states: Date: 20/10/2020 (our pickup day) Carried out MPC & oil service Haldex Reqs gear oil service.   The Gearbox service is due at 38k and the car was sold at 35500 well within the 4k which is probably why their own systems have flagged it. Haldex I'm not sure - this seems to be every 20k I think so due in 4.5k.  Oil service I can't see how they did it as the service history we got from them (verified by another dealer) was from September.   Lets see what they say tomorrow - I have flagged it with the service advisor from today but got no response.   Ironically, the friend did mention they've had other POA buyers book their car in elsewhere only to be told various handover bits were not done - I thought it was typical dealer rivalry talk but maybe there is truth in it.  
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Halifax and phantom Default Notice


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  • 3 weeks later...

Hi all,

 

I have sat back and thought about this for a little while and I am still struggling with a few things.

 

Before anyone jumps in with 'because I said so' type comments please consider that I do not wish to be gung ho, my queries are serious and considered. I can also appreciate that there are 'moral' arguments on both sides. I have heard the 'better off leaving it to someone with more knowledge and clout' argument but there is no one stepping up to defend the consumer. I am after honest, serious responses that explain the thought process and rationale behind them.

 

I have represented myself in Court against the banks already and whilst I have experienced the frustrations of being an LIP in our legal system I have had good success. Far more than I have received by any other means.

 

As someone that doesn't own a house etc. I fail to see what huge risk there is? The banks can not take what I haven't got. They have broken the law (and the contract) I have not.

 

If however action is ill advised I would like to know if there is any way of avoiding the years of misery of waiting for statute barred?

 

As such I would appreciate some responses to the following points

  • I'm sure they will not take legal action, they have said as much, so Defence is unlikely to be an option.
  • While I'm sure I can (eventually) ward off all the DCA hounds, in the meantime my financial status has to go on hold as my credit rating is rubbished. This has many far reaching effects.
  • In the meantime they continue to add charges and interest, so the level of the alleged debt goes up and up. Is there a way of forcing action from them so even if I lose the amount owed is fixed?
  • If I'm right the only option left is to wait for statute barred, meaning 6 years of this headache?
  • Does it take a further 6 or 7 years after that before the black marks are removed from the CRA's?
  • It seems the legal routes are slowly but surely turning more and more in the banks favour. Who can say that statute barred won't disappear as an option before the 6 years are up?
  • They have undoubtedly unlawfully rescinded the account, wouldn't I be better off taking that to Court as an LIP while it is still possible to win on such grounds?
  • What really is the worst that could happen?

Thanks in advance for any replies where people explain the pros and cons honestly... I really do want to understand.

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Still no comments from anyone??

 

RW have now written to say they may do a home visit. Still no notice of assignment and the CRA's are still showing the Default as under Halifax.

 

I am replying with an harassment & I'll report you letter... but they've already had one of those and seem happy to ignore it.

 

Anyone willing to give some practical advice and responses to my last post?

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