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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.
    • i've known 10yrs of DD's to be refunded. the company must prove a valid contract for the period. no proof the DD's all get refunded   dx  
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jimbo45

Banks,DCA's, CRA's and the various Data Protection acts

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Hi all

What EXACTLY are the CRA's allowed to pass out to 3rd parties --I understood that PRIVATE AND PERSONAL data was just that --it COULDN'T be passed on by anybody without the original person agreeing.

 

In fact what data is ANYBODY allowed to pass to a CRA in the first place.

Do DCA's and Banks have an exemption from the various Data protection acts

 

Do these essentially "Tittle-Tattle" companies like EQUIFAX and EXPERIAN have carte blanche to receive, access and pass out YOUR PERSONAL and PRIVATE data.

 

Even the Police would have a hard time if they dished out data in the same way as these CRA's.

 

Any decent SOL here who can clarify the legal position --and if these companies can get this sort of data doesn't it make a complete MOCKERY of the whole various DATA PROTECTION ACTS.

 

Cheers

jimbo

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CRA's came into being, a bit like the universe, suddenly they were there and the Banks and Lenders, went, this is a good thing - The politicians in the pay of the banks and lenders, were happy to see there masters happy and said this is a good thing.

 

And Lo it came to pass that the almighty CRA's where deemed good and since then the little man has been crapped on


PGH7447

 

 

Getting There Slowly

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Advice is given freely but is in no way meant to be taken as Gospel:-)

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I think all bank agreements have a line somewhere which mentions sharing data with these organisations and like sheep we sign up.

 

However its ironic that banks claim they help them to make decisions when there are thousands of people (like my mother as it happens) who at some point in their life need credit after reaching their 40s without any and find they can't get any despite clearly being bloody good with their money up until then and then conversely (also her 10 years later) go completely nuts yet banks after checking the CRAs when she is is then in debt managment with several defaults on the credit record but the banks STILL lend more

 

I wonder what would happen if we sent section 10 notices to banks just before say - changing address

 

CRAs are a waste of time as are DCAs - I mean how much rain forest is being destroyed to fule their endless stream of pointless threatograms


If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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This is the reply I got from a CRA when a DCA actually produced a copy of my credit file and posted it to me:

 

' When an account is defaulted a company may sell the debt to a third party. With this sale, the company also passes the permission to trace the debt and carry out searches with the credit reference agencies for this purpose, which you would have signed your consent for in the fair processing notices at the time of opening the agreement.'

 

Am still trying to get to the bottom of what a DCA is actually allowed to do with the data and what is the case when the DCA cannot produce an enforceable credit agreement.


At your Service

 

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What I am saying here is that a statement such as "A DCA MAY sell on .... or whatever is just that -- a statement.

The same as a DCA saying YOU OWE ME XXXX. Until they prove it its just a load of "Little round objects".

 

My point is that it's not WHAT thay SAY they can or can not do but what is actually ALLOWED BY LAW.

 

Cheers

jimbo

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I have asked the CRA for a copy of their terms and conditions applicable to DCAs but they are not being very forthcoming.


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Please support CAG and they will support you.

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