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    • Hi everyone. We purchased a new bed from dreams 26/12/2017 which was delivered 01/02/2018.  We also purchased their delivery, assembly, take the old one away, tv, mattress, mattress protector, pillows and their 'bed cover' 8 years extended warranty.  We paid by 30 monthly interest free instalments and so just made the final payment.   It is a heavy duty king size lift up storage bed with a built in tv at the end.  It has always been a struggle to lift, my wife cannot do it on her own and it rarely stays up by itself.   At the beginning of this year, we noticed it had started to dip considerably in the middle.  Not the mattress, but the wooden base the mattress is on.  So on 09/02/2020 I emailed them about the issue.  They started by saying the mattress is not covered only the base, until I pointed out it is the base at fault not the mattress.  So they sent out Homeserve on the 25/02/2020 to come and repair.  He did what he called a temporary repair, said that the bed had failed due to a manufacturing or design fault (the metal bolts holding the wooden base to the lift up supports have pulled out of the wood) and that dreams would be in touch to arrange a replacement.  His temporary repair barely lasted a day, the bed was still dipping and he took plenty of photos for himself but seemed in a mad rush to leave.   Of course they didn't contact us, so on 30/03/2020 I emailed them back.  01/04/2020 they emailed back confirming in writing that it is a manufacturing fault and their sales team would contact me, however as expected due to Covid-19 this may take a while.   30/06/2020 I asked for an update.  03/07/2020 they replied saying their claims department would contact me within 5 working days.  They didn't. 15/07/2020 I emailed back asking them to escalate my complaint as well as providing a refund and compensation as we are now struggling to sleep and experiencing back ache due to the bed's extreme dipping, plus I am worried about the mattress getting damaged. 23/07/2020 They replied saying we are not entitled to a refund as it is a guarantee claim and they have passed it once again this time to their guarantee company to contact us. I have still not heard back.   This is now getting beyond a joke and I wanted some guidance on how I should proceed.  We are struggling to sleep in the bed and cannot now even open the bed to access our belongings inside as as soon as you try and lift you hear the sound of breaking wood.   Many thanks  
    • bit obv really... don't eat yellow snow either.   dx  
    • I know you are trivialising this as, 'Ambulance Chasing Lawyers', because they are perceived to be involved. You mention BMW (other brands as well). Counterfeit car and truck parts have been implicated, and proven to be the cause, of accidents where fatalities have occurred.   There is some considerable difference between a set of counterfeit brake pads and a fake SD Card.   The trademark infringement though, is the same.   H
    • One hope in this growing mess is that local authorities, mainly in the north west so far, like Liverpool, are developing their own systems to test and trace, filling in the gaps of what Serco et al are missing.   But they're doing it with precious little in the way of funding. In the meantime it looks as if Serco [I think it's them] will be given more hundreds of millions on top of the £100 million that hasn't been effective so far in a couple of weeks. Given that the PM has swanned off to Scotland for a couple of weeks this isn't looking good.
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Dan Ras Ting

Help- I need to get out of this hole

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Right then guys I need some help. After several periods of unemployment (for me and my other half) I started taking out payday loans. Now I've run up the following debts (my own stupid fault). I'm now at the point where I pay more out in loans than I earn- I cant keep it up anymore. I'm about to approach each lender with a repayment plan over 6 months and I need some advice.

 

I've got the following loans-

Quick Quid- £600

Payday Express- £500

Wonga- £350

Wage Day Advance- £150

Lending Stream- £300

 

I feel ashamed of myself listing them like this but I really dont know what else to do. How do the above respond to payment plan requests?

I'm obviously going to do the obvious and cancel cards etc and I'm not the kind of person to back down- I will hold my ground!

 

Thanks in advance for your advice guys.

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good on you watch Wonga they are abslutly the pits they are the ones that have cause me nothing but greif glad you cancelled cards etc as they will bleed your acct dry. I only owe thrm 3.95ish yet recon I owe them well over 300 quid if you wish to clear them best is to get payment details and do it that way otherwise they will bleed you dry DO NOT CALL THEM AS THEY WILL BULLY YOU keep in e mail or writing offfer what you can not what they demand Wonga will E mail with Odious E mail threatening this that and the other breakOFT guidelines then deny this Good luck and let uz s know what happens.

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Dont feel ashamed, many of us have been in the same hell hole but with help and support on here you can regain control of your finances. Payday express will come to an arangement but will ask for proof of time unemployed etc. same with lending stream. Quick quid will only accept a 3 month arangement so best to wait till sent to a debt collector where you will be able to sort a plan. How long have you been rolling these loans over ? Which ones are new ? Have some advice for most accept not dealt with wonga or wage day advance. I found emailing them all best as it allowed me to keep a record but also some phone calls too. You will need email responce/letters from them when they confirm payment arangements as proof. Also emails prove that you have tried to come to a reasonable arrangement and can help if your under alot of stress. I know i was at the time and found this helped me

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I've dealt with all bar Lending Stream who I've snowballed, and here's my take on things.

 

QQ - you will play email pingpong with them unless you can do a three month repayment plan, so hold off until they contact a DCA

WDA - very reasonable. Their collections manager is Richard King and while they do request I&E they will accept what other companies would consider a low offer without much quibble.

PDE - need nagging by email quite a lot but will eventually agree your plan. THey tend to like I&E too.

Wonga -need shooting. Send all your emails to Errol Damelin, the head honcho, and try and break it into a 12 month repayment plan - 12 months or below and they will accept, above that and you have very little chance of getting them to agree.

 

You are doing the right thing - you can do this and there is light at the end of the tunnel!

  • Haha 1

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Thanks for the advice guys- I cant tell you how much I appreciate it!:D

 

I've just finished drafting a letter to send out tomorrow- I default on most of my loans Tuesday so I will keep you posted on their responses. I will keep reiterating my offer and have basically told them that it is the most I can and will pay...

 

Although I haven’t seen any responses yet I already feel better about gaining control of the situation. All of the offers are fair and it would be suicidal for them not to accept my offers and take me to court. I am hopeful (no confident) for good results in the long run.

 

Thanks again guys and I'll keep you posted. If it goes well I'll post up a copy of my letter (minus any personal details) for anyone else to look at- it might serve as some inspiration to get out of one of these messes.

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