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    • Just posted up the POC. Will get on with CCA and CPR tomorrow.   Is there a danger that if he attempts to call BC he could take it out of staute barred?  I will have to contact him Spain so need to advise him what not to say.
    • Here are the Particulars of Claim     Name of the Claimant ? Hoist Finance UK Holdings Limited     30th January 2020 Date of issue 30/01/2020 + 19 days ( 5 day for service + 14 days to acknowledge) = 17/02/2020 + 14 days to submit defence = 02/03/2020 (33 days in total) -   Particulars of Claim   The claim is for the sum of £7939.36 arising from the defendants breach of a regulated consumer credit agreement referenced Under no xxxx926xxxxxx03 The defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd(Ex Barclaycard) Written notice of the assignment has been given. The Claimant claims 1. The sum of £7939.36 2. Costs   What is the total value of the claim? £7939. + £410.00 Court fee + 100.00 legal costs Total amount £8449.00   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes dated 02092019   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Not sure   Did you inform the claimant of your change of address?Not sure Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card.   When did you enter into the original agreement before or after April 2007 ?  After April 2007 actually August 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? Can't recall   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?No idea   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Claim issued by Hoist, so assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Howard Cohen solicitors says yes. I say no   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Costly divorce and failed small business   What was the date of your last payment? Over 6 yeras ago I believe   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Spoke to them many years ago          
    • DX ,thanks for spacing post BankFodder,  sorry, point taken,   FS
    • defence due by 4pm Monday 2nd   has he...   .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]   get him to ring BC ask last payment date tomorrow.    
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JuggiDangerous

Panasonic TV Warranty Not Covered

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Hi,

 

 

I purchased a Panasonic TV in March 2015 with a 6 Year Warranty,

 

 

We decided to move the TV and unplugged the Ethernet plug as I pulled it out the whole Ethernet socket had become detached.

 

 

I did not use any excessive force,

I rang Panasonic who contacted their repair agents the regional repair centre in Birmingham which the engineer said it wont be covered as it was pulled out.

 

I emailed Panasonic who retrieved the report from the engineer which said I had ripped out the Ethernet plug so Panasonic will not repair.

 

I believe The Ethernet port was faulty and should be repaired under Panasonic's warranty I hope someone on this forum can help my predicament.

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Presumably you bought an extended warranty. Did it not cover for any accidental damage?

 

Have Panasonic or the repair agents carried out an inspection or have they simply come to this conclusion over the telephone?

 

Certainly, if you do not have any cover for accidental damage then you will have to be able to demonstrate in some way that you used ordinary force to remove the plug and that the whole thing came way because it was weak.

 

I think that this means that you will have to get an independent engineer to inspect the set and then to give you a written opinion.

 

If you do this then I can imagine that Panasonic will leap into action and will want to get their own engineer to carry out an inspection so that they can come to an opposite view.

 

However, I think that you will need to get an expert opinion.

 

If you're extended warranty does not cover you for accidental damage, then what on earth are you paying for that gives you better protection then your six-year statutory rights anyway?


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It would also be extremely useful to get somebody to give a reliable and authoritative estimate as to how much force it would take to pull out the Internet socket.

 

If the opinion was that it wouldn't take much force at all, then this points to a design fault.

 

If the (more likely) opinion is that it would take substantial force – like several kilos – then this would help you if you had to go to court because you could ask the judge whether he really believed that any reasonable person would apply such force to removing an Internet cable.

 

When you say that the socket has been ripped out, has anything actually been torn or broken or is it simply become unsoldered- meaning have you simply broken the soldered joints?


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Any estimate would want more detail than has been given. Was it the body of the socket or the whole lot including the pins ? If the pins as well, then I would say more than normal force was used as the pins are soldered to the pcb.

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Any estimate would want more detail than has been given. Was it the body of the socket or the whole lot including the pins ? If the pins as well, then I would say more than normal force was used as the pins are soldered to the pcb.

 

Well it was the body of the socket that was loose I've emailed Panasonic and told them I'm not very happy the engineer told me if it was Samsung or LG they would of repaired it no problem, so why are Panasonic being so finicky?

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As asked in #2, has an engineer physically examined it ?

 

I have seen this happen a lot with laptop power sockets, but they are inserted and taken out continually, I take it being ethernet it was plugged in and then not removed until now ?

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The guys at the repair centre have had a look at it tv was on the wall and wasn't removed till then, so it all depends on there version of force then!

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Panasonics 6 year guarantee just covers faults and failures no accident cover mentioned.

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Update I've phoned Panasonic Customer Services today they said they received the engineers reports and pics and agree with the engineer that the Ethernet port was ripped off not good news.

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Check locally, as in most areas, you can get a local company that offers a cheap repair. It may just need soldering back on and secured.

 

On my Panasonic, the various connections are quite robust but tight.


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how much money do you want to throw at your claim? a microscopic study of the solder joints and other physical damage will determine whether it was poorly constructed in the first place but spending hundreds of quid to be told no manufacturing defect would be plain daft so even if you are right i would go for the cheapest option and dont buy one of their sets again. You might want to warn others of the fragility of their product via any consumer review website as well but keep it calm and factual.

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