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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  
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Still_surviving

Aqua Card Dispute - Address to serve court papers?

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I am currently locking horns with Aqua over a default charges / contractual interest claim and it appears I will have to serve papers on them.

 

The thing is - i know Bank of Scotland supposedly issues the card, but it says in the small print that the card is underwritten and managed by SAV Credit Ltd, and its their details who appear on the 'About Us' section of the Aqua website.

 

Who ultimately should i address my court claim to? I dont want to give anyone room to throw out my claim once its started.

 

 

many thanks


Card 1 - Charges reclaim £464 + Interest...ongoing

Card 2 - Charges reclaim £520 + Interest...ongoing

Card 3 - Charges reclaim £396 + £1179 Imterest **WON**

Card 4 - Charges reclaim £296 + £147 Interest **WON**

------------------------------------------------------------

4 x CCA requests

1 received.....Blank Application Form

1 received.....Terms & Conditions

1 received.....Sent agreement relating to a previous card :confused:

1 response....Have lost the agreement :)

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ive locked horns with aqua in court

 

i had to send papers to petree biz park

dunfermaline

fife

 

but it would now be hbos i believe

 

before you end up in court, can you tell me more on your dispute

 

i can tell you its not easy and at the time i was a novice and ended up with egg on my face

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Sure :)

 

Unlike the other 4 credit card companies who I approached, Aqua will not budge on their claim that the £12 charges they have debited me with are unlawful.

 

So - as I have done with the others, I wish to issue papers against them for the fees plus compound interest in restitution at the rate they have charged me (between 29.9 and 39.9%)

 

I would be interested to know why you had such problems - Barclaycard (2 cards) have recently caved in and we are just now haggling over the interest rate to use in calculations.


Card 1 - Charges reclaim £464 + Interest...ongoing

Card 2 - Charges reclaim £520 + Interest...ongoing

Card 3 - Charges reclaim £396 + £1179 Imterest **WON**

Card 4 - Charges reclaim £296 + £147 Interest **WON**

------------------------------------------------------------

4 x CCA requests

1 received.....Blank Application Form

1 received.....Terms & Conditions

1 received.....Sent agreement relating to a previous card :confused:

1 response....Have lost the agreement :)

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Well - Aqua, unlike all the other card companies I am dealing with, havent even made an offer of the charges plus 8%, so I will be issuing papers this week.

 

To 'Postggj' can I ask why you ended up with egg on your face in court?


Card 1 - Charges reclaim £464 + Interest...ongoing

Card 2 - Charges reclaim £520 + Interest...ongoing

Card 3 - Charges reclaim £396 + £1179 Imterest **WON**

Card 4 - Charges reclaim £296 + £147 Interest **WON**

------------------------------------------------------------

4 x CCA requests

1 received.....Blank Application Form

1 received.....Terms & Conditions

1 received.....Sent agreement relating to a previous card :confused:

1 response....Have lost the agreement :)

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Just to let you know - Aqua made an offer to settle of only £120 less than my claim would have been for, so Ive decided to accept and spare myself the hassle

of any future court appearances.

 

They say it was for the charges plus only 8%, but to be honest it was a lot more than the amount that I calculated when using that method.

 

Im happy with the end result, and would advise any charge reclaimers to stick to your guns :)


Card 1 - Charges reclaim £464 + Interest...ongoing

Card 2 - Charges reclaim £520 + Interest...ongoing

Card 3 - Charges reclaim £396 + £1179 Imterest **WON**

Card 4 - Charges reclaim £296 + £147 Interest **WON**

------------------------------------------------------------

4 x CCA requests

1 received.....Blank Application Form

1 received.....Terms & Conditions

1 received.....Sent agreement relating to a previous card :confused:

1 response....Have lost the agreement :)

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Hi Still Surviving did you use a letter template from the library to start your claims ie going through their complaints department first with it? I'm wanting to start a claim for the same charges for the wife but not too sure whether I've got the right one from the library. Ta PM


IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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Hi Still Surviving did you use a letter template from the library to start your claims ie going through their complaints department first with it? I'm wanting to start a claim for the same charges for the wife but not too sure whether I've got the right one from the library. Ta PM

 

Very old thread....prob better to start your own thread for this issue

 

ims


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