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    • In terms of your letter of claim, you've asked us to remove some information – but you have put it up and it's not that critical it's simply bad practice and so we will be leaving in place. It's highly unlikely that the company will stumble across this thread – and anyway no great harm done – but there is no point in spelling out in a letter of claim every detail of the evidence you are going to be relying on if it goes to court. In terms of referring to mediation, it's not up to you. It's up to them. Once again you want to play your hand before it is necessary. Do not do it. Let them make the decisions. They probably will opt for mediation as part of the court process – and then you can simply accede to that. A letter of claim is not the time to start stating this kind of stuff. You come here for advice and I suggest that by and large you follow our advice. In terms of just keeping part of the contract – the frames – as long as you are sure that another supplier would be prepared to supply the glass which is absolutely appropriate for those frames. However, I should warn you that mixing your suppliers like this can eventually lead to problems because you are giving both parties a means by which they can pass the buck onto the other party. This really can get complicated – if the frames fail and the company with which you've already fallen out, then decides to get their own back and they say it is the glass supplier. The glass supplier may well turn round and say no it's the frame supplier – and you are left in the middle and you will have a difficult problem including maybe having to pay for an independent assessment to ascertain whether liability lies. In my view its most ill-advised. You have an opportunity here to predicate your rejection on the fact that you had a single contract and the glass and the frames are supplied as a job lot and the defective glass means that the entire contract is subject to rejection. However, it's up to you. Furthermore, if the frames fail within a particular time, apart from the problem of passing the buck to the glass suppliers, you may find that the frame suppliers are quite reluctant to do any further business with you because they will have long memories. If you really think that after this litigation the frame suppliers will be prepared to continue with you and to supply the glass that you need, then you need to be very certain. Of course they may be very pragmatic and business minded and mature about their dealings and be prepared to supply you with the glass you need with perfectly goodwill and professionalism. However, you shouldn't bank on it. All it needs is one individual within the organisation start feeling that the whole thing is some kind of personal rebuke against them are you are you are you are you you are a you are you you are you are you are a you you are a you.   Anyway, that's my two pennies worth. I think you should follow our advice in terms of legal process and the letter of claim. The rest of it is to how you deal with your windows is simply a bonus for you.
    • Perfect thanks for the reply and apologies for the marker Pen, I thought I had covered it off.    So to clarify, I just ignore this letter and no response is necessary?   
    • First of all, we please deal urgently with the identity of this company. In the title to this thread they are identified as being in Letchworth. This is not correct? We do not want to start firing off accusations against some company elsewhere may be is doing its job perfectly well. Please can you respond to this urgently Post up a link to their website
    • If you scan up letters here by the way, please make sure that they are included in a single file multipage PDF. Please make sure they are all in the correct order, the right way round, and not simply minuscule photographs. You can't imagine the kind of stuff that people put up here when they realise that they're not paying for the advice!
    • Think you've got the wrong Crystal there Slick132...it's Crystal Clear Group Ltd. There's a lot of companies with Crystal in the name!   I agree could take out the struck through part about evidence, although they already have it all already, but I think I need to leave the part about mediation/ADR in, it's important to show I'm open to these, that and the next line came from a template letter before action.  Have asked for that post to be removed via the report button, just in case, the rest of the thread can stay!         The frames are fine, no reason not to keep them, though I could reorder frames from somewhere else it'd be easier to keep these ones as I then already have the measurements for the glass (which I've double checked). I will be asking that question tomorrow though. I have found another supplier I'd be happy to use at around the same price. Glass at the mo is stored mostly upstairs, it's a bit inconvenient as it takes up a lot of space, but no losses as such.  
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Unsecured Loans - Bad Credit, anyone know a genuine lender?

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Hey folks,


Right, I'll try and keep this a bit brief. My rating is a bit shot thanks to some youthful indiscretions and I really wanna get myself back on an even keel.


I am currently having issues with some payday lenders, but thanks to the advice on here, it's well in hand. However, that doesn't stop me wanting to really put things right again and just in one place.


Basically, I'm looking for bad credit unsecured/tenant lenders for £3000 over 3 years, hopefully averaging out at £125-150 a month in repayments, well within my scope of finance, even if I ended up jobless.


My debts aren't quite as high as £3k but I want some left over so I can move in with my partner and with only one debt, with a very affordable repayment.


I'm in full-time employment and only been there 3 months though, but they have just sorted my contract and I'm earning about £1k take home right now. I have other plans for earning more, but neither here nor there atm.


Anyways, I wasn't sure where to post this as I didn't see an unsecured loans board, so feel free to move this.


Any help would be grandly appreciated.



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Personally, I think it would be a bad decision to go for new credit if you're already handling payments back to payday lenders. First sort them out and then decide what to do.


Also, even bad credit lenders would not look positively on someone being with an employer less than 12 months.

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I understand that, but paying off charges etc that payday lenders charge is much tougher than taking one big loan and setting them all at once.

Plus I have designs for the rest of the loan that I would be taking. It's just much safer than continually incurring charges/defaults/rollovers to sort things out.


To reiterate, does anyone know any dependable unsecured loan companies for people with poor/fair credit?

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  • 2 weeks later...


I would imagine the best way to get quotes would be on google or such like but I note you stated unsecured and wanted to advise you of this....


You should be aware that their no such thing as an unsecured loan, they are in fact easily secured on your property providing the CCA is enforceable. If you have equity in your property any creditor will have this loan secured on your property in a matter of months. I have personal experience of this and took out an 'unsecured loan' for new windows. to cut along story short my employment changed and I could not meet the repayments. Within 5 months they had a CCJ and subsequently secured the loan via a charging order. To sum up we had to sell the house.

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You Want My Advice


Dont Bother


I Fell Into This Trap And Ended Up With Welcome


They Are All Out To Screw You


Good Luck And The Only Advice I Will Give Is


If They Ask For An Application Fee Is Run A Mile But Saving Is Best




Who Needs It

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  • 1 year later...

i dont think the charging order point would be anything to worry about, i think the OP is a tenant.

Good place to start looking would be moneyline, if your a council tenant or credit union, but you wont get 3k to start with





I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.




GEMHL Settled

Barclaycard Settled


Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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