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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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Supposed closed account rises from the dead demanding money!


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Hi everyone. Could someone please tell me how to start resolving the following problem.


On the 9th October 2010 I was shocked to receive a letter from Cahoot dated 7th October, blithely telling me that I needed to pay into my account if I wished to continue using the overdraft on my current account with them. They said that the balance of the account was £781.46 overdrawn (plus pending interest and fees), with an overdraft limit of £1,000.00.


I rang their office and the clerk I spoke to said that they had already written off a balance of approx £1,300.00 on my credit card (which I didn't know I had!), but that the current account, complete with (authorised) overdraft was valid and still outstanding. When I told him that I was under the impression that I had closed the account around three years before he said that the account had not been used since my last deposit (of £500.00) in mid 2006! When I asked him why Cahoot had not contacted me for four and a half years he apologised but said he didn't know. He said he would look into the matter and call me back. He never did call me back.


The next communication was a letter from Cahoot dated 10th November 2010 stating that my account had been restricted until I pay in some more money, and that my overdraft facility may be removed.


I have since received a letter from Cahoot dated 3rd December 2010 saying that my account is about to be passed to debt management recovery services. They also said that all facilities on this account have now been removed, and that I will shortly receive a Default Notice served under Section 87 (1) of the Consumer Credit Act 1974, which will explain further action.


Shortly after receipt of this letter I called them and told them I would be writing to them shortly. Which brings me to the present time. I have no idea as to what the claimed overdraft balance represents, as I was under the impression that the account had been closed 4.5 years ago.


Could someone please tell me what the next step should be?


With many thanks

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It would appear the account was not closed. If it had a debit balance, then that would not be possible. The Default Notice will stipulate what they require to be done, so await this - then take it from there. Also check your credit file, NOW - to see what they have said about you.

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No - save your money for now. Get you Credit File for £2 from each of the 3 CRA's to see what's there. Once you get the formal Default Notice from the creditor - read it carefully (as they are not all the same!). If you plan to challenge the DN, then ask for clarification and/or figures to rebut their assertion. If this is not forthcoming. go the SAR route - and the max they can charge for this is £10.

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  • 1 month later...

Thanks again to Buzby. Just an update to say that I have now received the Default Notice, which says that if I do not repay their claimed debt in full (£781.46 plus pending interest and fees) then "...we will demand the immediate repayment of the total balance. We may also take legal proceedings against you for the recovery of this balance or refer your account to debt recovery agents"


I have, today, sent a letter to them by recorded delivery, requesting a full breakdown of how the claimed amount is made up and asking them why they did not contact me for four and a half years.


I will post their reply as soon as I receive it.

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