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    • I’d suggest you research this condition in some depth before formulating your claim.  From what I’ve found it isn’t at all uncommon for it to be diagnosed at second vaccination which indicates it may not be apparent beforehand.  That this pup had been vet checked at first vaccination does lend some weight to this.  There’s little to be gained by suggesting the breeder deliberately and knowingly sold you faulty goods if the evidence doesn’t back it up.  Better to keep things factual.  If you hadn’t noticed anything obviously wrong in ten days of ownership it probably isn’t reasonable to suggest the breeder had, especially as it wasn’t even apparent at first vet check.     You mention being aware of the need for health checks in breeding animals.  Did you check for these (for both parents) with the breeder? It is more difficult with mixed breeds I know because there’s nowhere to check the veracity of certification without registration but if you at least discussed it with the breeder then you could show they were aware it should be in place.  I don’t think there is currently a test for this particular condition, however, if other health checks which should have been carried out weren’t it would show a general lack of care in the breeding.   You may well have a case, I guess it would depend on the judge on the day as to whether you could claim substantial inconvenience.  I honestly don’t know if it applies to emotional attachment after a few days, it may.  I’m honestly not sure where you stand refusing a refund and insisting on a repair because this is what you’re doing.  I understand why, it’s just quite difficult when you’re using a law which considers a puppy to be the same as a fridge.  It’s intended to be unemotional which is impossible I know.                  
    • Damn. I always thought that they had to provide with Notice of default prior to a charge being applied and not apply the charge and we will also include it on the statement.
    • Yes, I am in contact with the other people that have bought puppies. I can start to build that file of evidence. The surgery is booked for next Monday, which gives me time to receive the written quotations and send the letter with 48 hours notice. I've already got the quotes over the phone so hopefully won't take too long to receive them in writing. Thanks again for all your help, I really appreciate it.
    • http://www.legislation.gov.uk/ukpga/2006/14/section/12   http://www.legislation.gov.uk/ukpga/2006/14/section/11
    • correction.. There is a note on the end of the statement that states: "Notice of Default Sums - This notice is being given to you under the Consumer Credit Act 1974 because you have incurred one or more default charges ("Default Sums"). The default charges are displayed within the transnational section above. This Notice does not take into account default sums, which we have already told you about in another Default Sum Notice, whether or not those sums remain unpaid" Is this enough or should it be separate notice?
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      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
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Wondering if anyone can help or advise me about claiming PPI back??

 

I took out loans in 2002/2003 not sure how many as its now with the credit agency Wescot, Could anyone advise me on how i go about or even if i can claim PPI on these??

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Hi mummy

 

Welcome to CAG

 

Thread moved to the correct forum.

 

The first question is were you Mis-sold PPI?

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html,

 

If you were send a SAR to try to work out how much PPI plus interest you need to claim back.

 

There are spreadsheets on this site.

 

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

 

Also 2 and 3 in my signature. Have good read, if you have more questions just ask.

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Im pretty sure i was.....how do i find out??

 

Im confused on how i find out about my loans from HSBC, should they be able to give me all the information of the loans i've had from them??

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Hi mummy

 

What I would do is get as much information from them on the PPI payments made, this might be difficult as to how much data they have. I would send a SAR Request, the Template is in the library, just amend it. Lets see what they send.

 

http://www.consumeractiongroup.co.uk/forum/content.php?552-Data-Protection

 

Send it to, provide them with all the addresses when the loans were taken out, they should be able to track down the account numbers:-

 

 

HSBClink3.gif Bank Plc

Service Quality Team

Arlington Business Centre

Millshaw Park Lane

Leeds

LS11 0PP

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Thank you for that :) I don't have any account numbers or anything!! Can I still request all my information?? This is the problem I'm having, I havn't got anything because its all being sorted through Wescot. Thank you again for your advice.

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'provide them with all the addresses when the loans were taken out, they should be able to track down the account numbers'

 

Thank you for that :) I don't have any account numbers or anything!! Can I still request all my information?? This is the problem I'm having, I havn't got anything because its all being sorted through Wescot. Thank you again for your advice.

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