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    • Another consumer who thinks that by being reasonable and patient with Currys, that Currys will be reasonable with them in return. Bless. Of course I do hope that you get a resolution this way but in fact we have found over a longer time now that Currys was a dishonest and quibbling little company that takes advantage of its customers innocence to deprive them of their consumer rights. "In due course" is completely unacceptable but if you go along with that it means that you have handed the reins over to them and allow them to take control. There is no reason for this matter to take more than a week for them to sort out and so I would suggest that your best course of action send them a letter of claim giving them 14 days or you will sue them in the County Court. That gives them ample time to sort the matter out and also means that if they eventually come back to you "in due course" refusing to honour their obligations, then you don't have to wait a further 14 days. You can pretty well launch into action immediately. You said you had all your legal documents ready but I asked you if that meant that you had sent a letter of claim and you haven't replied.
    • Thank you for your reply. Yes the hob was bought Sept but not installed until early Dec, started showing faults almost immediately but because it was 'bought' over 30 days Curry's washed their hands of it. The hob cost £229.00 and I still have it here. Yesterday I sent an email to Alex Baldock CEO of Curry's and I received a reply almost immediately from his office who have passed it onto their 'Executive Resolution Team' who will investigate and respond to the matter in due course. The email sent was more or less the exact copy of the one that I posted here so we will now wait their investigation and I will let you know the outcome.
    • The shortage of semiconductors is continuing to have a major impact on industries around the world.View the full article
    • Hi CAG,   First time poster here.   I would like to start off by saying that I've read through various threads and it's quite heartwarming to see the level of attention and support you give to people dealing with often stressful and anxiety inducing circumstances. I'll certainly be making a donation as this is truly a valuable resource.   I've read several similar threads to my own situation but I thought I'd seek your advice.   I opened a letter just a few hours ago from London Collection and Compliance Centre which is dated 11th January 2022 for an amount totalling £870.68. I'll attach a copy below. I can't quite remember the date of the initial offence. For context, I boarded a bus (I believe in 2018) and unbeknownst to me, my contactless card did not register correctly on the reader. I had my headphones in with music playing and was sat for my journey and then was approached by a ticket inspector who informed me that I did not tap and therefore was unable to provide proof of a valid ticket. Despite explaining the circumstances, I was asked for my details which I provided in full. I was honest and forthcoming with the ticket inspector but I wasn't aware this would amount to a fine as I was provided with a printed pass for the remainder of my journey. I accept liability for not being able to provide proof of a valid ticket and do not wish to dispute this regardless of intent.    I'm not entirely sure why I didn't pay the fine upon receipt of TfL's initial correspondence but I'm a long time sufferer of anxiety and depression which at times is so debilitating that I'm unable to make the best decisions or carry out simple actions. Some of which would mean I wouldn't need to make this post. I struggled financially at the time of receiving this letter and further correspondence which placed I did not deal with correctly because of the mental state I was in. I struggled to cope with and stupidly I neglected my responsibility and buried my head in the sand. I made an error in judgement that I wholeheartedly regret.   As of writing (early hours of 26th January 2022), the 10 working days given in the 'Further steps notice' has elapsed (25th January 2022). I rarely receive mail and therefore I don't regularly check my mailbox. However, I decided to take a look today as I suspected I missed a Royal Mail delivery. I intend on calling the number on the letter at the earliest appropriate time in the morning and dealing with this matter. I'm desperate to right my previous wrongs as I've worked hard to deal with my anxiety by beginning therapy. However, like many others in this thread, I'm worried about the prospect of having a criminal record. I'm 26 years only and I don't have any previous convictions nor have I had any trouble with the law. I have a real love for the service TfL provides and I'm capable of listing off an endless stream of related trivia. I have no previous run ins with TfL and regularly travel on the network and pay the correct, full fare each time.    I'm worried about how this will affect my future in regards to employment and my intention of naturalising as a British citizen (I've been in the UK for 20 years now).   I'll note my primary questions below and would truly appreciate your advice.   a) If I get in contact with the number on the letter as soon as possible, will that be too late despite the close proximity to the deadline?   b) What would be the best potential approach to resolving this issue? (I'm unable to pay the amount in as a lump sum.)   c) If I were successful in arranging a payment plan/somehow paying the amount in full, how would that affect the court proceedings? Would this still result in a criminal record?   d) I've seen other threads which mention OOC settlements with TfL, would this be an option despite receipt of a 'Further steps notice' letter?   e) Should I end up in court or have the opportunity to speak to someone over the phone - will I be able to explain my circumstance and plead for leniency?   f) What other general steps would you suggest I take at this stage to mitigate the consequences?   Apologies for this post being so long, I wanted to include as much relevant detail as possible and I'm more than happy to provide any that's missing. I don't want to make excuses for myself. I completely accept I'm in the wrong for allowing things to get to this stage, despite the difficulty I had with my mental state but I want to do right by myself and deal with this. I'll post regular updates and be sure to include a conclusion once I deal with the matter regardless of the outcome.   Thank you in advance for looking at this post, I really do appreciate what you do.   IMG_2609.pdf
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Fairfax Solicitors/ Bank Of Scotland

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Yesterday I received a letter from Fairfax Solicitors regarding a loan I have with Bank Of Scotland.


Due to a change of circumstances I defaulted on the loan some time ago, since then I've been made redundant and spent the best part of two years homeless. I'm currently self employed and have a temporary job (which ends on 30th July 2010). My accomodation is also temporary and I will be moved to another temporary accomodation in the next few weeks.


My income varies from week to week but most weeks it barely covers my living expenses, when I have had extra income it has been distributed to all creditors, most of my creditors have been happy with this but not Bank Of Scotland. The payments I've made have been small and don't even cover the interest they add on and the payments have been far and few between.


The letter I've received says:


Our Client: Capital Bank, A Division Of Bank Of Scotland PLC

Balance: £13,070.00


We are solicitors instructed by our Client, Capital Bank, A Division Of Bank Of Scotland PLC, to obtain immediate repayment of the amount due of £13,070,00 or to take appropriate recovery action should you fail to pay.


You must make an immediate payment of £13,070.00 or telephone us today on XXXX XXX XXXX to agree a satisfactory solution to this matter. Payment methods are provided on the reverse of this letter.


Please note that if the payment is not received by 17 July 2010, we have authority to commence legal proceedings through the Court or to instruct a Debt Collection Agent to visit your home. If these actions become necessary there will be costs incurred for which you may become liable.


Please do not underestimate the seriousness of this matter. It is important that you make an immediate payment in order to resolve this matter without further actions becoming necessary.


The debt was originally with Blair, Oliver & Scott, I wrote many letters to both Blair, Oliver & Scott and Bank Of Scotland and all were ignored. I have a loan with Halifax but Fairfax Solicitors seem to have changed the name to Capital Bank, I don't know who Capital Bank are and don't recall applying to them for a loan.


I'm not sure about where to take this now, any advice would be appreciated.

Have £20k+ in debt, seriously want to be debt free, currently in temporary accomodation and having business problems.

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This is typical of the Bank of Scotland in that they fail to respond to correspondence and they constantly move the debt around for collection by different internal departments or external debt agencies.


For your information - Blair, Oliver & Scott is one of Bank of Scotland's internal debt collection departments.


I would write to Fairfax disputing the debt and requesting a copy of the credit agreement. Under the Office of Fair Trading Debt Collection Guidance all collection activity must be suspended whilst any dispute is investigated and resolved. The following link is to the National Debt Line for a sample letter:



You stated that you had other creditors and from your circumstances I can imagine that you have been going through a very difficult time.


I would strongly recommend that you contact a money advisor at your local CAB or local council. Check the following link to find a local money advisor:



The money advisor will review your financial circumstances, advise on your appropriate options (debt solution) and assist you in negotiating with your creditors or whatever is the appropriate solution.


Best wishes.

Edited by Joemcm35
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