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    • I wonder if anyone can help me. I had a loan with a high street bank from about 10 years ago and I had to stop paying because I lost my job. I reduced my payment to a token payment for a few years but I then ceased this some years ago because I took some advice from an online forum which said that I should ask a ‘Subject Access Report’. I did this and I also asked for a copy of the contract with both signatures which highlighted that myself and the bank had a contract and what its terms were. As the loan was made up of an overdraft and a formal loan I thought they would have paperwork. However, eventually the bank responded by saying that they had no contract and they admitted that as such it was not enforceable in court. Over the last year, the bank have again appointed Moorcroft Debt Recovery Limited to use their strongarm tactics. I have not been responding to the last couple of letters asking me to contact them to arrange a payment plan and now their letters are becoming more threatening. Here is the text of their latest letter……. Quote   We are aware that you have failed to agree an affordable repayment plan with us concerning the above account.   As no agreement has been reached we are now in the process of reviewing your account to consider the steps which may be taken in relation to further debt recovery action. The options include recommending one of the following:   ·         1. Continue in our attempts to contact you by letter and phone. ·         2. Instruct a local representative to arrange to call at your home address to try to re-establish contact with you.   To prevent possible further action you must contact us. Failure to contact us by the 22/10/19 will result in one of the aforementioned debt recovery actions being undertaken without further notice.  Unquote As you can see, they are now getting more threatening. I really do not want people knocking at my door – does anyone have any ideas as to what I can do to sort this situation? I do not want to pay for something that seems unenforceable but I do not want knocks at my door either. Any help would be appreciated.   Kind regards    
    • Yes it was a tomlin/consent order I have a recent statement its not showing any additional charges on it. The statement does not show the balance to pay each month, as the contract was terminated in March 17 and the termination bill was added to the account so my payments reduce the account balance £14262.38  Capital £6995.00 Interest £7213.38 Plus 3 x £18 charges  I presume if it went to court again I would be notified?    I thought court costs and charges could increase a balance owing but not be included in arrears or court proceedings when listing the amount owing, or am I wrong?    
    • Check to see if they are adding monthly charges inflating arrears as per DX.
    • .So I’ve been at the flat for a number of years , you had to be a certain age back then, now all ages and couples with young babies get put here , first floor , no garden not a good area not so bad either .   ive just had a letter to say I’ve been taken off the list to transfer to a more appropriate home ,  no notice just taken off, council are saying my age group no longer qualify.. I spoke to equality and human rights council they suggested I complain siting The Public Sector Equality Act 2010. ( The General Duty and Specific Duty)  relating to age discrimination.      But I’ve also come across this in LAW Quarterly online Mag.    LHA’s allocation scheme suspending applicant’s ability to bid (R (Alemi) v Westminster City Council) The High Court has held that Westminster City Council’s allocation scheme suspending certain applicants from bidding for social housing for 12 months breached section 166A(3) of the HA 1996 (setting out which groups of people should be given reasonable preference when allocating housing).   Interesting i thought?               
    • so you've had a notice of assignment then?   if so that's rare for nasty west to sell it on they typically litigate themselves so I bet the debt is vastly inflated with penalty charges and the interest they attract.   i'd be sending NW an sar get all the statements. then go thru them with a fine toothed comb.   could be £1000's to reclaim....   pers i'd stop paying   what was the original debt amount and what is outstanding now a bit more info on the history please   dx    
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not again

Washing machine two months out of warrenty.

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I bought a washing machine from Comet that continued to repeatedly break down, eventually they replaced it, I put some more cash towards a better machine.

It is an Indesit PWDE 8148s. It is 14 months old.

 

Today it had a catastrophic electrical failure, probably the main PCB board. Also the heater element has blown and the door handle has snapped off. The door handle is integral to the door and the whole door will need replacing.

At no time has the machine been abused, it has been de scaled every month or so.

 

I called Indesit who told me, and I quote ''thats just the way it rocks'', they have now sold me a 1 year warranty for 14.99 a month for 12 months and are coming to fix the machine tomorrow evening.

If they cannot fix it they will replace it.

 

My question is this, should I be expected to pay this money after just 14 months or can I expect a washing machine/dryer to last longer before needing major repairs?

I quoted the sale of good act to Indesit and they told me it doesnt apply to them , it is down to Comet (who are now no more) to abide by this act.

 

Is there anything I can do?

 

Can I have them fix it then cancel the 1 year warranty? they told me to do this would cost £104 which would be cheaper than getting the machine fixed by one of their engineers, it still has a 5 year parts guarantee.

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I brought a TV from comet a week ago it lasted 7 days and does not work

comet wont fix it

manufacturer wont fix unless i pay estimate stands at £254

 

I think with the circumstances of comet the 15 quid is a deal!!!


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Hi not ,

 

Am I reading this correctly the Product is 14 Months old and has failed it has a 5 Year Parts Guarantee .

 

You have contacted INDESIT (as COMET the Seller is basically dead ) who have now sold you an additional 1 year Warranty @ £14.99 per Month which works out at £179.88 .

 

Or is the 5 Parts Guarantee now included with this additional £14.99 per Month you have now signed up to .

 

If that is the case after 1 year you would only have a Labour charge to pay if the product fails within the next 5 years ?

 

They are now going to attempt a repair if they cannot they will replace the Propduct .


Regards

GorgieBoy

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Hi

Yes the washing machine was under a 5 year parts guarantee however if they came to fix it even though the parts were free the fee for labour was 120 quid , they told me if it could not be fixed I would still have to pay and end up with an unfixable washing machine.

For the extra few quid I could get an extended warranty period in which labour and a replacment machine would be covered, replacement being in the event that the machine was beyond economical repair.

 

The technician has just left, he found a broken door, broken power relay module , broken main board, broken heating element, broken vacuum tube to the pressure switch, door seal among other things including a suspect motor.

 

This all seems a bit much for a 14 month old machine doesnt it? They are basically replacing 75 percent of all the electric components inside the machine, and they still see this as an economical repair?:!:

 

A leaking hose I would expect, but not a list of faults on major components such as this.

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This was the web page that led me to their service dept, the 89.99 when you talk to them is really £120 or there abouts, then option 2 is to pay 14.99 a month and have the full extended warranty, although it was not worded like this.

In fact it was very confusing , especially when we were talking about costs.

Put www in front of the address below.

.indesitservice.co.uk/hs/pages/book_a_service_call/puf.jsp

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Hi not ,

 

Yes saw the link all rather confusing .

 

The Engineer will fit whatever parts are required to get the machine working again , which is what he has done .

 

I still do not think it is correct that you are so much out of pocket with a 14 Month old appliance " Fit for Purpose" "Reasonable lengh of Time" what an expensive joke I dont even know where SOGA could fit into this one now .


Regards

GorgieBoy

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