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    • Yeah that is what I think not going to look a gift horse in the mouth plus got other issues right now with the virus and my job 
    • Thank you dx and you advice is well received.    will remember about the 'quote' thing and it seems you already know a lot about this site.   RT    
    • Don't worry about the warranty. You will be covered under the Consumer Rights Act which requires that goods be of satisfactory quality and remain that way for a reasonable period of time. However, there may be a dispute as to whether the problem was caused by a defect in the glass or some outside force such as some object hitting it. You say that you have found other instances of the same thing happening. I suggest that you start gathering screenshots of those – and it would even be helpful if you could contact the people involved. Also, if you find people talking about this on the Internet then post the links here so we can have a look. If you can get sufficient evidence that this is something that is happening to people's vehicles – the same vehicle as yours not other manufacturers, then you have a good chance that you can persuade a judge that there was a defect. What is the cost of replacing the glass roof?
    • I am unsure if I have already written these points, but this thread is called general points , and unless the OP objects, here are some.   Firstly, there are two separate kinds of warning notice issued when a credit card or credit agreement is defaulted. One is for credit referencing the other is to enable the termination and enforcement of an agreement. These are completely separate entities, which may or may not apply to the same date.   The one sent to the debtor warning about the impending mention on the file, gives 28 days normally although it is an advisory notice and cannot be challenged, it does not have to be given for an entry to be made on the CRA.   The notice sent from the creditor giving notice to take action is however statutory, under section 87 of the Consumer Credit Act, it gives 14 days to pay.   A statute barr is a method of limiting the amount of time for the creditor to take an action in court. In contract law, this period is generally 6 years.   To be clear this is the maximum time allowed between, the cause of action(for simplicity the default). and the date of the action itself in court. Therefor if you PDL has had an action was brought in six years, the statute Barr no longer have any relevance.    If the case was lost it would be a debt under a judgement, not under a default, if it was won, there would be no default to record.   Again for clarity, you cannot use a default date on a credit file to sow a default notice date under the CCA 74, as said different things.   Regarding an overdraft. There is no requirement to comply to part 5 of the CCA on tacit overdrafts. This is because of a declaration made By the governor back in 1983, part 5 contains section 85.   As far as the start date for SB is concerned, section 6(not5)applies in that,  instead of a default notice the date on the first full demand to repayment is recorded and used as the cause of action, that is when the SB starts, again nothing to do wih the date on the CRA file.
    • just type please don't use quote  it makes finding replies so difficult.   they cant simply change the signs/free hours without council permission...and that has not been applied for nor granted.   sit on your hands await if/unless PAPLOC   don't forget the next stages as i'm sure you've read as you say. lots of scary letters from DCA's   remember a DCA is  NOT A BAILIFF on ANY debt ..no matter what it's type. and have  ZERO legal powers on ANY debt either   dx  
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dreamylea

Kitchen installation company issues

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Hi all.

 

Sorry if this post is on the wrong forum

I wasn't 100% sure where it should go

but I would really appreciate some advice about my rights on this matter.

 

We had our new kitchen fitted at the end of August.

 

There were many problems during the process of the kitchen being fitted,

we were on holiday at the time and the kitchen fitter phoned us with problems and questions everyday.

 

I had informed the company that we would be away but we had no communication from them before,

I even had to contact them to ask what time someone needed to be at our house to let them in!

 

the main issue was a couple of days after the kitchen was finished.

I had a phonecall from the company's admin lady to say that she had forgotten to tell us

there would be an additional charge for the fitting of the worktops

as we had chosen to supply our own

(ie they were not included in the kitchen fitting price we had paid the kitchen company)

 

and that would be an additional £50+vat per worktop (they insist it is 6 worktops but it is in fact 5)

please and could I email them to confirm that I accept that quote (which I didn't).

 

I stated that I had emailed her nearly 2 months before to say we were supplying our own worktops

and she had replied to say that she would make a note of it, no additional charge was ever mentioned.

 

A couple of weeks later I received a final bill for the work done.

The £300+vat for worktops was on there and they had added "as agreed" next to it.

 

I wrote a letter to the managing director along with a cheque and went through each item on the bill.

 

They had refunded me some money for some of the work they hadn't done

eg, installing the fridge, boxing in the pipes but didn't refund me the vat I had paid for them!

 

They had also installed the sink in the wrong way round (he thought the plans were wrong!).

I also stated in my letter that the worktop price had not been agreed.

 

I deducted 20% off of the sink fitting price, the VAT they owed me on my refunds,

and the price of the worktop fitting (I also stated that there were not 6 worktops).

 

I sent them a cheque for the amount owed minus deductions I had made.

 

I received a reply from the managing director stating that he would deduct 40% off the worktop price

and therefore I still owed £180+vat (that would still make it 6 worktops!!).

 

I ignored the letter on my husbands advice,

I know this was probably the wrong thing to do.

 

I received another letter today (dated 6/11) saying they are trying to be amicable about this

but if they don't receive payment by 14/11 they will refer me to their debt collectors!

 

What should I do?

I would really appreciate any advice on this situation.

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hi welcome to cag

 

don't worry about debt collectoirs

 

they are NOT BAILIFFS

 

and have

NO SUCH LEGAL POWERS.

 

above all stay off the phone to them.

 

if the worktop charge was not in there original quote

nor have they ever sent and copies of their terms & conditions that state this

 

then they are really barking up the wrong tree

and don't, contract wise, have a leg to stand on.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Write and tell them that you dispute that you owe the money. This should prevent them using a dca. If a dca gets in touch tell them that the debt is in dispute and they should leave you alone.


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thank you both for your replies. I was so worried when I read the letter, I feel a bit better about it now.

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Let us know how you get on and if you have more questions. :)


 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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