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    • Hi Tawnyowl here,i have been watching events over the last week or so as things develop. Labrat,such a sense of humour.😀 Hi honeybee13 . Sure does     Anti-fracking campaigners have reacted with concern to news that the British Geological Survey (BGS) signed a non-disclosure agreement with Cuadrilla over access to operational data. https://drillordrop.com/2019/08/24/suspicion-over-fracking-firms-secret-deal-with-geological-agency/   Cuadrilla has been accused of trying to downplay last night’s 1.6ML earth tremor caused by its fracking operation near Blackpool. The tremor, at 8.46pm, was the largest so far recorded at the Preston New Road site since fracking began there in October 2018. https://drillordrop.com/2019/08/22/living-in-fear-residents-respond-to-1-6ml-fracking-tremor/ Energy firm Cuadrilla said a 2.23-magnitude tremor was recorded at its facility near Blackpool at 11.01pm on Saturday – the third “micro seismic event” this week. While some local residents may have felt the movement, it was not strong enough to have caused any damage to property, the firm added.  Do you believe anything this company says. Like their so called micro seismic events you would think damage could have been caused to properties. Once buildings start shaking this must happen surely. I was approached this afternoon while at a cricket match. Just chatting way about this and that when the person said Did you feel the Earthquake last night. I had not even heard about it,tell me more i said. Lights and windows shaking moving around about a mile away on one of the North of Englands largest housing estates. And there are reports of many more people feeling this event covered on this link. Why should a community be put through this,waiting for the next one. People living around Cuadrilla’s shale gas site reported shaking buildings and windows last night from a 2.1ML tremor. This is the strongest seismic event so far induced by fracking at the Preston New Road site near Blackpool. It brings to more than 90 the number of tremors since fracking resumed at the site less than a fortnight ago. Within minutes of the tremor, there were reports that people had felt it from surroundings towns and villages including Blackpool, Weeton, Westby, Peel, Kirkham, Wrea Green, Great Plumpton and Lytham St Annes. Much more on the link. https://drillordrop.com/2019/08/25/call-for-fracking-ban-after-2-1ml-tremor-shakes-buildings-around-cuadrilla-shale-gas-site/   You might notice that the BGS has a page now for human activity causing Eartquakes-link Last updated: Sun, 25 Aug 2019 18:10:00 (UTC) This list contains seismic events for which there is strong evidence that they have been induced by human activities. It is linked to a database of seismic events and locations and magnitudes may change as events are re-analysed and revised. Background, tectonic seismic activity is reported on our recent earthquakes list. http://earthquakes.bgs.ac.uk/induced/recent_uk_events.html   I had better leave it there for now, more soon.,how will it all end because surely it will. Things cannot carry on much longer like this,can they? Bye for now. Tawnyowl writing from the Earthquake centre of Great Britain courtesy of Cuadrilla Fracking.
    • happy for mod to move it to suitable location under thread title Background: Thanks in advance for any thoughts you can share. This is a very long history, I appreciate your time. In 2011 I took out a £8500. loan from Borro private finance against art and jewellery to make ends meet. The agreements are attached below. This is a CCA. Borro regulated by the FCA. The interest rate is APR 68.8  % for 6 months.  I paid the interest and capital during the period term. On 3 May 2012  I renewed this loan at 79.4% interest for another 6 months.  Last week I requested all evidence the lender holds concerning the agreements. Missing are 03/05/2012 through 14/06 2013.( not under a SAR).  I fell into arrears on the loan and one piece of jewellery was sold, reducing the balance to £6400. Dec 2014.   The lender took a payment of interest £2044.16.  Renewed against the other items ( art etc) on this loan.  The new interest rate increased to 88.8%  . At the time the ring was sold, I requested all documents concerning the sale. Borro produced none. The ring is appraised at $17,5000.  £14,000.  The ring was sold for £3500.  I have an appraisal. I was notified prior to the sale. The ring was sold by "private treaty". I continued to ask for information about this sale until todays date. No information has been provided.  I took a huge loss . The ring is not clearly described on the inventory compared to the appraisal. Documents missing from Borro response to my request include 25/10/2014 to 10/04/2015. I was in arrears on this loan and a new agreement was made. The loan amount was increased to £10,810.00 and the interest rate decreased to  80%.  what is interesting is that the lender should have sold this ring, the value was sufficient to pay off my debts. But that is not what happened. someone got a deal on a nice ring.  II. ON 1, Jan 2012, I took out a second loan in the amount of £3000 against another piece of Jewellery. The interest was 68.8%. I paid the P&I on this loan.    Missing from the requested information is agreement from July 10/2012 until 12/12/2012.  I did pay interest during that period and on 12/12/2012 through 11/06/2013 I renewed  with an interest rate for 79.4 %.  I renewed on 04/07/2013 through 03/06/2014 interest rate 97.8%.  I renewed this loan on 03/01/2014 interest rate was 88.8. Take note there is very little description about this item. I redeemed the loan but ended up back in the pawn. 19/06/2014 to 18/12/2014 interest eat 94.5%. I renewed this loan again 19/03/2015 . Interest rate was 93.2%. Now there is a clearer description of the ring. Documents missing from Borro response to my request include 012/06/2013 to /10/2014 to 10/04/2015. Information on the  description is also scant until I took the loan out again in 2014. The last payment on either loan was March 2015. Default date was September 2015. The lender still has my property.   PROBLEM: In 2013, Borro became aware that the reason I had pawned these items was that I was a plaintiff in a substantial lawsuit in the US. I borrowed because I had lost my job. I was not able to work( I had been FCA regulated). I was facing eviction, had serious financial stability  and some mental health problems. I gave them a copy of the pleadings. They are aware that I had claimed these loans as part of my damages.  In 2015, Periodically I requested the accounting. Some was provided some was not. As a result, in  2016, the head of credit wrote to me " "Thank you for coming in to see me today. As discussed, we will freeze your accounts with us from today the 14th October 2016 until the 31st of December 2016. This will mean that no further interest will accrue until the 31st December 2016 and we will not consign to sale until on or after the 31st December 2016."  I did not hear from them again until  08 February 2017. On 30/03/2017 I responded to Borro request that I give them an update on the accounts. I wrote that I needed a settlement figure.  No response the following week I personally met with the manager I had been dealing with. She told me that " we are not going to sell your property". We understand that you have fallen on hard times, we are human. How long will it take you to sort this out. I responded about 2 months."   I did not hear from Borro again until I wrote to them on 18/03/2019 where I stated, " the last time we met you were going to give me a settlement figure". There was no response. As a result, on  18 March 2019 I sent  an email to - Subject: RE: Borro Accounts. Dear Lender. Hello. The last time we met, you were going to give me a settlement figure. Litigation is still ongoing. We have a potential investor that has asked me to get a figure from you. Depending on that number, I can let you know if I can pay the bill and collect my things in the next few weeks. Please get in touch as soon as possible". no response.   In early July 2019 I received a call from someone at Borro. It was not a good time. I asked him to call me back the following week. I did not hear from him again either. On  6 august 2019 I received an email from Borro that I should log into my account. I was unable to. The following week I wrote to them and in summary: On 13/08/2019 I wrote and included a summary of the events: I am writing to advise you that I am obtaining advice concerning the  account. You are aware that you have not pursued any further action on this account since approximately 2014(or earlier) . This is because I had an agreement with Name Deleted that Borro was not “going to sell my property,  I recited the above summary of events.   Certainly, I had no intention to give up valuable property for almost 8 years and pay interest and principal for this long. I want to develop a resolution to the matter between us. In order to achieve this, Please can you provide me with the following information which is attached in a spreadsheet: I need a very simple accounting and please answer the below: Any renewed loans where additional credit was extended through the re-appraisal of the assets ( ie using the asset as leverage) to extend further credit where the loan proceeds were applied to the loan for reinstatement purposes. What were the source of funds for the last payment made? Because I am seeking advice with a view towards finding a resolution, I would appreciate it if you could hold action on the above account for a period of at least 30 days to give me the time  I need to obtain advice. If you are adding interest or other charges to the account, I would be grateful if you would freeze these during this period so that my debt does not continue to increase. Please can you send me the enclosed spreadsheet and the documents you loaded into my account as soon as possible. This will enable me to obtain accurate advice. I will contact you again as soon as possible with further details of a  proposal to resolve the account. ( so far this lender has not complied with my request)   SETTLEMENT OFFER From: Borro Customer Service <Contact@borro.com> Sent: 14 August 2019 13:22 To: Subject: RE: Your Loan Account   Dear borrower. Thank you for your email and for getting in touch with Borro. As you would be aware there have been many loans with Borro, with two loans that remain outstanding which we are seeking to resolve with you. Given the significant period these have been overdue, the current balance on these two loans is almost £52,000 of which the majority is interest. In order for you to move on from this debt it is proposed to sell the collateral associated with Loan DIAMOND RING 175643 in full and final settlement and return all the items under Loan 198678 to you. This would generate a loss for Borro of approximately £49,000, however given your circumstance this is something we are prepared to offer. While I would love to pay Borro £3000. I do not currently have the funds. Borro is aware because I wrote to them on august 13 advising them i am not working. I do not want to lose my property. I need to find a way for them to walk away, give me my property back. WHAT ARE MY OPTIONS? Below are the questions I have or could raise in order to "negotiate with them". Is this a high interest short term loan? What are the effects of an CCA that has an interest rate of 93.6% and is renewed every six months? It appears that one loan was "Refinanced".  What FCA terms did they violate which might apply to this situation ? After the agreement expired and terms were changed, what rights does the PB have to collect further payments or sell the ring? Did they waive their rights to further payments? How can I use refusal to produce sale information concerning the first ring, to negotiate my way out of this? What is interesting is, they sold a £14,000 ring privately, concealed the buyer and other information, then turned around and INCREASED THE INDEBTEDNESS substantially. In fact they want to do this again, but this time are offering to  write off £49,000  in other interest. What am I missing? What effect does violations of FCA 6 and 7. help me to negotiate a settlement. Is the FOS effective threat to the firm to pressure a settlement? Does a cost cap apply to these loans and if yes what is the amount of the cap? How can I use the current appraisal and FCA or any other rules to stop them from selling the ring for less than market value? I have someone looking at the accounting to see if there are errors. found several when query. anything you can find that voids the agreements? Anything else you can think of THANK YOU!!!   RING.pdf art.pdf
    • I am so sorry I see the confusion now, I was meant to say CAB not CAG. They are just sending him letters to copy and send which doesn't seem helpful at all.    I also apologise for the vague details right now. I actually thought he had got rid of the car already until he mentioned it as he dropped me off home, so I've only got a vague idea myself, i just wanted to see if there was anything he could do other than send letters. I will get more details from him and update this thread, or get him to join as you have advised.  sorry 
    • It was a late payment, no default 
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Hi guys

 

I won't ramble on too much so I will make it short.

 

Item: DSLR

Bought at: Currys

Whatever happens: 5 Years

 

Whilst walking down the stairs I was carrying my laptop, DSLR and some bin bags to take to the trash area outside my halls of residence. I sort of lost balance and the laptop and DSLR went tumbling down the stairs. It was in a plastic carrier bag tied at the end, i was only popping to a friend's house close by so I didn't want to carry a HUGE bag. The laptop and DSLR got badly damaged as I believe both collided into one another.

 

Damage: The zoom function on the lens is jammed, pop-up flash is dislocated, screen smashed (not the actually screen but the plastic covering it), mirror inside got smashed.

 

Sent off for it to get repaired. The DSLR was returned to me a week later stating that it was non-accidental damage. I wrote to a Gary Perryment to state that I was unhappy with the outcome and that it was a genuine mishap. Today, I received a call from an investigator questioning me about it, I described what had happened, etc. At the end of the call, he said that he has REFUSED this claim and I will be receiving a letter from Gary Perryment regarding this.

 

I do not know what to do. Should I write back? Should I get external help?

 

Some other things to take into consideration:

 

- I worked at Currys about 4 years ago for about 1 year before having to leave for University.

- I bought Whateverhappens on almost of all my products as I believed that it was an awesome insurance.

- I have claimed on an iPod Touch which stopped working after 3 years. A HP laptop which was knocked off me by my cousin.

 

The investigator asked me:

 

- was the floor carpeted (yes, but it is a for students so its not exactly soft)

- Length of stairs (Normal)

- What did it hit on the way down? (Hard floor and a wall)

- Did I work for DSGI? (Yes, 4 years ago)

- What do I do now? (Student, part time retail assistant)

 

Please can someone shed me some light? :( - I am feel powerless, I don't have the money to buy a new one! I never had trouble with the service before! :(

 

Thanks

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hang on you got a CALL from an investigator????

 

they cannot make that sort of decision over the phone. it simply defies beleif

 

when you receave this letter write back.

 

advise them that if they are unhappy with the facts of the accident then you either require them to carry out a FULL investigation which may include sending an investigator out to the scene, or to repair or replace the item in question

 

include a point about the questions the investigater asked being irrelevent (yes i DID say IRRELLAVENT) to the incident

 

is the floor carpeted is not relevent as although it may provide minor scratch protection it does not cusion against a drop it is the underlaying floor make, which for halls of resident stairs would most likely be steel re-inforced concrete.

 

length of stairs does not matter for the simple fact that they haven ot asked where down the stairs the items were dropped, they dont know if it was dropped from the top step or bottom making knowing the lenth pointless.

 

what the item hit is about the only one that is actually useful.

 

the other two questions i would have told them to mind their own business on, although being a student might put you in a higher risk insurance area this should only be applied for taking premiums not to determine weither an accident was genuine.

 

i would add the ussual ending paragraph giving 14 days to respond with an answer to all the issues above or you will issue a N1 for your local county court, this can be done online costs very little and you can claim the cost back when you win (ussually with pcworld they never turn up). oh and remind them that your local paper ussually covers court cases


Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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thanks for your opinion labrat :) I really appreciate it. The silly thing is that I got a call today (before the investigator) that my laptop had been written off and replacement vouchers will be issued within 7 days :S - so my laptop is an accident but the DSLR is damaged on purpose? - Separate companies do carry out the repair though :S

 

I checked the number the investigator called me from and its in Wakefield. I live in Cardiff... that's about a four hour difference!

 

He said that it is inconsistent. Meaning that there is NO WAY the damage was done by tumbling down the stairs with my laptop as he stated that he has testers who throw products about, run them over with cars, etc etc. So in other words, he indirectly called me a liar :(

 

I think I will have to write back. I will be going on holiday in August, then off to Japan for my year abroad studies so I really hope this doesn't drag out too long :(

 

Thanks

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thanks for your opinion labrat :) I really appreciate it. The silly thing is that I got a call today (before the investigator) that my laptop had been written off and replacement vouchers will be issued within 7 days :S - so my laptop is an accident but the DSLR is damaged on purpose? - Separate companies do carry out the repair though :S

 

I checked the number the investigator called me from and its in Wakefield. I live in Cardiff... that's about a four hour difference!

 

He said that it is inconsistent. Meaning that there is NO WAY the damage was done by tumbling down the stairs with my laptop as he stated that he has testers who throw products about, run them over with cars, etc etc. So in other words, he indirectly called me a liar :(

 

I think I will have to write back. I will be going on holiday in August, then off to Japan for my year abroad studies so I really hope this doesn't drag out too long :(

 

Thanks

 

I find it quite offensive that they asked if you worked for the company. I mean are they saying employees are more or less trustworthy than the general public? I agree with labrat (as usual) you should write to them letting them know that the questions were almost totaly irrelivent and hardly amount to an "investigation". Remember, recorded delivery and keep a copy of the letter for yourself.


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I will update you guys when I receive the letter :) - when I rang, they said that the letter will contain the necessary info if I want to chase it up.

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special testers that throw laptops etc arround??

 

ive seen it done ONCE...

 

in which a laptop that claimed it had fallen onto concrete which was in over 5 peices was under discussion, an identical model was taken out back, carried to the top of a step ladder, thrown into the air and allowed to hit the carpark. damage done nothing like the one that had been rejected.

 

seen one kicked accross the room as well but that was just a fit of rage


Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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The thing is though, if it fell then that's what happened. I mean, each test will yield different results, so unless they want to go dropping a couple of grands worth of equipment just for the sake of proving me wrong then go ahead.

 

I just can't see why they can't accept the fact that the impact jammed the zooming function of the DSLR, the impact of the lens going into the camera must have cracked the mirror inside (I don't see how else it would have cracked it).

 

In a way it does look like its been through hell but if that is what's happened then that's what has happened. I would be more than happy for them to come and see for themselves. How do you think I should go about asking them to prove it? :S

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Replied to your message with some further details peooboon.

 

Chris

Tech Guys

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What they should be interested in more than anything is the carpet. Is it fixed firmly to the stairs and properly maintained. Other than that those questions were an intrusion and as said irrelevent.

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it is maintained but there are metal railings on the side of the stairs (nothing fancy as it is just student halls) and also the stairs have that metal piece on the start of each step to help prevent wear and tear if you get me?

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UPDATE: The repair company firstly approved my claim on my laptop but today I received a letter stating that it now considered Non accidental. When I enquired why they changed their minds, they said that Gary Perryment (The person in charge of claims) declined it. I am guessing because my DSLR was declined, he has now decided to decline my laptop too.

 

This is really stressful as I really need the laptop as it is the exam period! I need it for assignments and revision. Argh... I am really stressed out atm. If it was non-accidental, why would I break it during my exam period!?

 

Also, instead of writing a letter of anger. I have decided to leave the court action until the next letter. My first letter will explain to Gary perryment that I still disagree with the decision and the fact that I need the laptop during the exam period. I also explained that if it was non-accidental, why would I choose the exam period?

 

I will await his response to this letter before notifying that I will be submitting the N1 form to the small claims court.

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Also mention that you don't appreciate being called a liar and that you were there and he wasn't.

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Thanks for your input Conniff. The investigator didn't really call me a liar directly, it was if he was making me out as a liar if you understand me? Like he asked me how did it break etc... I answered him and his response was 'but the fact is, we have tested put these products through various tests...'

 

Plus the overall tone wasn't very nice. :(

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to be honest the flash damage is fairly standered id guess its a flap up one.

 

ive dropped a compact sx110 before which also has the flash. it was only a small drop (off top of pushchair onto pavement), this damaged the flash, and the lens causing issues zooming, due to a slight dent to the casing pushing on the lens

 

this doesnt sound too mcuh differnt appart from the higher drop and bounce.

 

ive a feeling one of the reasons they are being moody is (and this is in their probably words not mine) "the item was being transported while not properly protected with padding"

 

you can always try asking for a copy of the coverplan report under the data protection act it would be nice to see if ive guessed right.


Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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thanks for your input labrat. I will ask for it, also do you think its a good idea to write:

 

Please carry out a full investigation to prove that it was non accidental damage and prove that the damage was caused intentionally.

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UPDATE:

 

I've recieved a letter from Mr Perryment saying that the claim has been rejected. The following items are not included:

 

"The cost of repairing or replacing a product which fails because anyone neglects, abuses or misuses the product"

 

I have written back saying that it was accidental, I need this laptop for the exam period and it is just plain silly that I would break it during this period and if it would be possible for him to reconsider the claim.

 

I have given him 14 days to respond before I file the N1 to the Cardiff county court.

 

I was hoping you guys could point me in the right direction with the N1 form. I am a student and can't afford to pay too much but how much will this cost? Also, how do I go about filing one? From the site, I am guessing I print the form off and send it in? :S - Can I submit it online and pay online? :S

 

Also, on the letter, there is nothing about who if I need to file any claims against. Do I file it against Gary Perryment (Claims Investigation Manager)? DSG? Coverplan? Techguys? :S

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sorry ive not got back sooner ive alot going on

 

https://www.moneyclaim.gov.uk/csmco2/landing.html

 

should explain the basics

 

to be fair ive not used it before as everyone ive threatened has backed down before needing it...

 

 

you would probably file against coverplan as they are the people your agreement is with, garry and the techguys are employed by coverplan.

 

if there is bits your stuck on in particular with the forms then it might be a good idea to start a small claims thread in the general issues forum, they probably have alot more knowledge than me.


Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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Thanks labrat for the info. Did you mean that you threatened the company with the N1 and they backed down or did you mean that you never had to go as far as threatening to file the N1?

 

Thanks

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i threatened to file one and they backed down


Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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I sent the reply letter address to Garry Perryment, is that ok? :S

 

In the same letter is the stuff about filing the N1 if its unsatisfactory. Should I have sent it to a different department? :S

 

I sent the letter off on 19th, I gave Gary Perryment 14 days to reply before I file the N1. I think this is sufficient. Hopefully I will have some good news next week... *fingers crossed!*

 

-----

 

On a separate note, when I worked at Currys, during training, we were trained and told that it covers for exactly "whatever happens", even some of the stories on here such as the broom smashing the telly, knocked over telly, etc etc...

 

I understand that there are some who abuse the system but don't we buy extra insurance so we don't have to worry and be super paranoid about our products getting damaged?

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UPDATE:

 

Still no reply... its been 9 days already. I am thinking was I right to send the letter to Gary Perryment or should it have gone to a different department? :S

 

This is getting annoying now, I am without a computer in my exam period...

 

Do I have to write another letter to Currys telling them that I will be taking them to the smalls claim court?

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Update:

 

It will be 14 days this coming Monday (3rd May 2010)... no replies from Mr Perryment.

 

I have started a help with N1 here

 

If anyone can input their experiences and answer any questions I will be grateful :)

 

I am annoyed that he did not even have the decency to reply to my letter.

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remember mondays a bank holliday so no post


Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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