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    • GoodShopper, given the two oppinions as to the nature of the fault.   Would you prefer to rely on that of a retailer who as you have pointed miraculously believe the fault lies outside the scope of their advertised guarantees.   Or would you prefer to rely on the professional oppinion of the approved manufacturer of the TV who make no mention of screen burn or customer damage and as far as you have indicated only refer to the cause as a "panel fault".   When brining a claim for faulty goods it is often deemed necessary to seek an independent professional report as to the cause of the faulty goods. In this case JL do not meet that criteria while LG most certainly do.
    • Hi BazzaS, I wasn't in a good mood when I wrote post 47. I read your post feeling the same way as you, first step find out what happened behind the decision to use sleeping tablet X and if it was noted in the records or not by the Gp.   Lets get an explanation and medical records first then go from there.   This is the letter I have written requesting an explanantion.   Please can you provide an explanation why GP1 (name here) on xx/xx/xx, GP2 (name here) on xx/xx/xx and GP3 (name here) on xx/xx/xx prescribed (medication) to my brother? What was the rational behind the prescripton?   Is this letter good enough does it need tweaking?   Is a cover letter needed that your writing on behalf on a relative to request an explanation the surgery might refuse under GDPR regulations
    • The right to mitigate losses is being worn away by JL's negligence. OP also has the right to have their guarantee fulfilled at little inconvenience to themselves.   By disregarding the guarantee JL have effectively given up their "claimed right" outlined in the guarantee to be the executive decision maker as to whether the guarantee is fulfilled by way of repair or replacement with a TV of equivalent specifications and thus disregarded their opportunity to mitigate their own costs.   As outlined in the guarantee the OP has the right to both options.   Given JL's unreasonableness it could be deemed entirely reasonable for OP to feel it is less inconvenient to purchase a new TV with equivalent specifications. The new TV will come with a fresh set of statutory rights. OP will be able to receive some continued albeit diminished benefit from their faulty TV until the replacement arrives. If the replacement TV turns out to be faulty it can be returned at little cost or inconvenience. This is in contrast to the significantly inconvenient option of arranging to have the TV repaired which involves. Arranging for collection. Risking paying for a repair with no guarantee of success. Awaiting the TV to be returned. In the meantime OP receives no benefit at all from the ownership of the faulty goods.   Rather than being instantly out of pocket and in the position of having to risk a claim to be restored to their original position (despite being very likely to succeed), a better option would be to locate a TV of equivalent specifications and bring a claim for that amount.   Should JL continue to flaunt its own guarantees then JL is unlikely to be successful if they then choose to contest the amount claimed by the OP on the grounds OP should have diminished their costs when JL had their own opportunity to do so by simply arranging for repair of the goods themselves.   While not the direct intention, JL may decide that it is in their interests to arrange for the repair of the faulty TV than risk a claim for what is likely to be a more expensive replacement TV.
    • You should file something like this -   1.  The Defendant is the recorded keeper of [motor vehicle].   2.  It is denied that the Claimant entered into a contract with the Defendant.   3.  In any case it is denied that the Claimant broke the terms of a contract with the Defendant.   4.  The Defendant is attempting double recovery by adding an additional sum not included in the original offer.    5.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.   Points (2) & (3) are catch-alls, they can be fleshed out at WS stage to include bye-laws, prohibition, you not being the driver, etc.   I see you have till 1 June to file the defence, so don't do it now, hang on and see if others suggest to tweak the above.  Don't file at the very last minute though, in case MCOL has a hissy fit!   
    • John Lewis have already told me that they cannot do anything or contribute to the repair via the manufaturer LG, as their guarantee explicitly states that 'screen burn' is not covered.   To be fair to them, on the back of my receipt it does have a list of exclusions including "image ghosting or screen burn".  The issue is that their repairer has incorrectly stated in his report that the fault is due to customer misuse/screen burn, and therefore it is not included in their guarantee and they cannot help.   LG the manufacturer have sent me an email where they state "...based on the nature of the issue that the unit has developed, the outcome is a Panel fault issue which has been confirmed by our technicians after a review of the images you provided..."  and they offered to repair it for £200.  So there is disagreement on the cause of the issue between the retailer and the manufacturer too, with JL conveniently deeming it something that is excluded from their guarantee.  John Lewis as mentioned previously are holding onto this engineer report as gospel and refuse to budge.  I understand that more recently they offer an additional extended warranty at a cost on televisions, which DOES cover screen burn, but obviously this is no use to me.    
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
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Hi

 

I just wanted to ask if anyone has used the PPI claim complaints page offered by Barclaycard to make a PPI claim?

 

They have an online form and an option to print out a large PDF form to fill and send. To me there seems to be a large number of questions they are asking including employment status at the time etc, which I can not see the relevance of.

 

If anyone has used this I would appreciate it if you can let me know of your experience,

I think it would be a good idea.

Mahatma Gandhi when asked what he thought of Western civilization

 

Advice & opinions of MoonHawk are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

Lloyds TSB - Unlawful charges - Settled £8,807.68

Motor Help UK - Misrepesentation Act - Settled £111.25 (Thread Here)

Next Directory court action without a CCA for £605 - Settled & account closed (Thread Here)

CABOT - Can not produce CCA and refusing to accept it - In progress

Aktiv Kapital - Can not produce CCA and also refusing to accept it - In progress

Barclaycard - Can not produce CCA for an account of £2,000. After a long fight used CPR - Settled

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I'm not familiar with the form but employment status is very relevant as ppi is not suitable if not working or self employed.

 

You don't have to use a form if you don't want to, but you do need to say why you think it was missold to you.

  • Confused 1

 

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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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You can always use the FOS claim form from their website if you wish.

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Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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have you all the statements to hand

 

 

its simple to do

 

 

you need the appropriate spreadsheet

and a copy of the fos CQ

 

 

can point you to those if you have the statements

 

 

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for all the replies.

 

caro - The person I was doing it for is/was retired. And she assumed it was necessary.

 

citizenB - I was contemplating the effectiveness of the Barclaycard one and asking if anyone had experience. But thank you for the pointer. Good to know for future if not this one.

 

dx100uk - Thanks for the offer I already have asked for the statements and have the necessary spreadsheets. I was just contemplating other avenues while waiting for the information.

I think it would be a good idea.

Mahatma Gandhi when asked what he thought of Western civilization

 

Advice & opinions of MoonHawk are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

Lloyds TSB - Unlawful charges - Settled £8,807.68

Motor Help UK - Misrepesentation Act - Settled £111.25 (Thread Here)

Next Directory court action without a CCA for £605 - Settled & account closed (Thread Here)

CABOT - Can not produce CCA and refusing to accept it - In progress

Aktiv Kapital - Can not produce CCA and also refusing to accept it - In progress

Barclaycard - Can not produce CCA for an account of £2,000. After a long fight used CPR - Settled

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Thanks for all the replies.

 

caro - The person I was doing it for is/was retired. And she assumed it was necessary.

 

citizenB - I was contemplating the effectiveness of the Barclaycard one and asking if anyone had experience. But thank you for the pointer. Good to know for future if not this one.

 

dx100uk - Thanks for the offer I already have asked for the statements and have the necessary spreadsheets. I was just contemplating other avenues while waiting for the information.

 

If she was retired I can't see how PPI would have been at all appropriate. It's meant to cover loss of income due accident, sickness and unemployment.

 

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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Hi moon hawk, I've recently filled that online form in regarding an Egg card. I too was a bit suspicious of it asking for employment status, but I'm a bit more suspicious of it not specifically asking if, and why, I might have thought the PPI was miss sold. Anyway, I told them I had adequate savings at that time, and an adequate sickness benefit package from my then employer.

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If she was retired I can't see how PPI would have been at all appropriate. It's meant to cover loss of income due accident, sickness and unemployment.

Some PPI's cover for Hospital stays and Life cover, so it is possible that PPI was suitable for a retired person (it was normally sold at a cheaper rate mainly for people over 65)

 

James

I used to be a Motor Insurance Claims handler, but due to redundancy I am now a Complaint Handler for a company that sold PPI

Please excuse any spelling or gramatical errors as I may be good at dealing with PPI claims, but I am C*** at writing

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Some PPI's cover for Hospital stays and Life cover, so it is possible that PPI was suitable for a retired person (it was normally sold at a cheaper rate mainly for people over 65)

 

James

 

I stand corrected. Thank you. :)

 

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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regardless....

numerous oc ppi forms ask q's that areirrelevent in terms of the fos guidance

 

pop then in the bin

then its not an issue

 

use the fos cq from their websitwe

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
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