Hi both - in answer to your questions Manxman - the watch has great sentimental value - and I am the daughter, I don't know why he thought I was the mother...it's been a string of incompetences on his part.
And I did argue the cost. I was willing to pay for the parts he *said* he'd used, but I demanded £134 in the end, which was the total cost, minus parts used and minus the watch strap which I'd specifically asked him not to replace, plus court fees.
AMAZINGLY - I received an email from him and because 'he was getting bored of all this' - I received a cheque for that amount, which has just cleared into my account, and so I've cancelled any further proceedings.
I can hear my Dad saying "You go girl!"
Thanks for all your help with this - I'm hoping not to wake up one morning with slashed tyres...and hoping to ultimately get the watch working again, but will wait a while.
I would like some advice please.
Trying to resolve an issue friend has got, and I'm a bit stumped.
They have a 12mth loan account June 2018, but have never paid a penny towards it for some reason.
As of today the Debt is not defaulted only shows as Missed Payments.
Not once have they been chased for the loan, there's no record of contact or letters within their DSAR relating to collections - it just seems that the account fell off the radar.
Now they are in a position to pay this debt in full, however they have spoken to the lender who has apologised about the lack of contact - and has stated they are prepared to reduce the amount owing by 20% (£450-ish) as a Partial Settlement.
They do have 2 x default markers on their CRA which will be updated to satisfied (?) as they both now have a zero balance and a loan which has no negative markers.
Should they take this offer of Partial Settlement - is there quite a negative impact to their CRA if they did, they are hoping to secure Car finance in the new year.