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    • ok best shot..   you need to reply to that letter of claim.   for debt covered by the consumer credit act:   send a cca request along with the completed form:   NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter   box D tick   I dispute this debt because ..i refer you to our previous communications and my previous respond to your previous Letter of Claim. i am over 50yrs and have deferred as required to meet the age write off.    box I tick   I also require you to supply the following..   All signed agreements Copies All my deferment sent to either yourselves, the SLC or the SAAS to date. Copies of all communications bothways in whatever format to/from Erudio, Capquest, yourselves and Me A copy of the any Default Notices A copy of the Notice of Assignment A complete set of statements detailing exactly how the sum you allege is owed has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement   no need to do the financial statement etc anything else or send anything else bar the above do NOT give them your phone nor email PRINT your name never sign the form   staple the £1  PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money   reply form PAP.pdf
    • There's more support for many in the Budget, but for some it still falls short. View the full article
    • no you are kidding me...   they can't be that thick surely... could be game over if they've faked it.   can you attach it to a private msg to me please.  
    • The original pdf did bring up txt boxes where my details were, it wasn't as if it was a photocopied document with my details embedded and I do find it awfully convenient it appeared the very next day after the case meeting.   The address was the same as it should have been, but ive only recently moved, this case was already in motion during my move.   Can I then just argue the authenticity of the CCA  at the next meeting? Explain that when put into a editor my personal details and only them pop up as carefully placed text boxes whereas the rest of the form looks photocopied??
    • have you written evidence it was hacked?    
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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.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Faulty Tumble Dryer - House Fire (Any Advice Would Be Helpful)


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Dear whom this may concern,

 

Cut a long story short.

 

I purchased a tumble dryer from Argos it became faulty

l had a replacement under warranty believe it or not it happened again

 

I received another replacement then the 3rd machine set my house on fire and made me and my family homeless.

 

The manufacturers insurance company hired a fire investigator 'hawkins' so they can conduct a report

 

after months of chasing the insurance company they have told us that the report says it could have come from outside or inside the machine they will not pay a claim.

 

Me and my family lost everything there is a initial fire report that the London fire brigade took when the incident happened that mentions the fire was caused by the tumble dryer.

 

If anyone can help with some advice or what rights I have it would be greatly appreciated

 

I believe they are diminishing their rights

I can't believe they are not paying a claim.

 

Thank you

 

Lyes K.

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If the fire brigade report specifically says that the tumble dryer was the source of the fire, you have the best piece of evidence to produce in a county court claim.

I suppose Argos or their agent have the tumble dryer and most likely they won't make it available for a further independent inspection.

This plays in your favour: Fire brigade report and their own biased report saying that tumble dryer"could" be the source of the fire is very strong evidence imo.

Send them a lba and after 14 days issue a claim if they don't respond positively.

Another solution could be to claim through your home insurance and then sue Argos for excess and uninsured losses.

There were a few articles some time ago about tumble dryers catching fire, so if you dig them out and check your model number you might be able to point out to Argos that they should have recalled your product.

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The onus is on yourself to prove the loss. The Fire report in my opinion proves this. They have tried to counter this proof by commissioning their own report, which Hawkins have advised "they are unsure where the fire originated from." They have not provided a valid defence to your allegations. Have you seen a copy of the report. It is unlikely for the Engineer to have absolutely no idea - they will usually advise in their opinion "on the balance of probabilities" where the fire originated from.

 

Personally, if you do have home insurance claim off them. You will get items new for old and let them sort out the issue with Argos. Otherwise complain via the ombudsman. I would be waryu of claiming through the courts initially as this would be a long process - I imagine that your losses are pretty substantial so could be a multi track claim..

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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