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    • again you appear not to be understanding things.....   a default does not go statute barred - as carefully explained in post 4....once it reaches its 6th birthday it along with the associated account will be removed from your file. that happening has no effect on the debt itself. it does not mean it is no owed.    your debt is NOT statute barred it has a CCJ . should the claimant fail to enforce the CCJ by it's 6th birthday, when, as with a default, it falls off your credit file, then they would need to return to court to do so. and again that happening has no effect upon the debt itself.   they both operate under the same ICO rule, quoted as in post 4..   All references to a defaulted debt must be removed from your credit files after 6 years  has passed from date of default, whether paid off, paying now or not.  . This is so that someone who continues paying something  - even after 6 years from default  - should not be at a disadvantage to someone who pays nothing after default  and ends up with a clean file after 6 years. 
    • Pleased to say that the default has gone from my credit report due to being SB. My Experian credit score is now 978 out of 999 and excellent. Experian doesn’t show my 2 x CCJ’s. Equifax’s shows just 1.    my question is this.... clearly the debt is still owed for the SB debt, the CCJ is still live until June next year.   Can I make an offer of 10% to settle the debt now that it’s SB? If so is there a letter template that I can send to them to make such an offer?   thanks in advance 
    • Your position is not untenable in any way. You have already mitigated partially any impending disaster by opening another non Paypal linked bank account so they cannot arbitrarily seize what they want.   First thing to remember you are in control here. Whatever you offer to pay them must be something you can reasonably afford even if its only a pound a week and you must pay it to Paypal. If like me they freeze your account then there is no way you can reasonably pay them. They are not going to give you another account to pay it into.   The reason I got into difficulties with them was because I had recurring large payments being made to a supplier of mine which continued after I was rushed into hospital for series of emergency operations. When I came out of hospital Paypal had simply frozen the account which I discovered when I tried to pay money into it to alleviate the huge deficit that had accrued. So I paid nothing of what I owed. I received about 4 or 5 threatening missives which I ignored as well as any phone calls. I tried for several months to make payments into the account and in the end I gave up. Despite all the threats nothing actually happened.   If you read all the answers to your posting as well as all the other Paypal posts I doubt you will find any evidence of Paypal doing very much to enforce outstanding balances and funnily enough they do not make it easy for those that wish to repay them as I discovered.   So stop getting yourself into a flap over something that is very unlikely to be nothing more than a storm in a tea cup.   Make or start you offer to re-pay them at a figure you can easily afford then forget all about them except to make your regular payment if you can still do so.   DO NOT under any circumstances get yourself deeper into debt over this.
    • she certainly hasn't any authority to 'fine' you. what was in the contract regarding vacating the property by when?  
    • Makes the cost of the battery even worse  
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Hi I purchased a washing machine for the Very catalogue in October last year, February I noticed a number of my clothing items had pulls in them but put it down to wear and tear

 

Last week I put 5 x under armour tshirts in there and its ripped them to shreds. I phoned hotpoint who sent and engineer out, a few days before he arrived he phoned me to say it probably needed a new drum so would I change the appointment until the drum had arrived, I had no problem with this so the appointment was changed.

 

The day the engineer turned out he said he was just going to change the paddles I asked where the drum was and he said he did not have one!!, he had no idea what I was talking about when I told him of the phonecall I received but he said it was not a problem as it was the paddles ripping the clothes, I was happy with his explanation so he changed the paddles and left.

 

The next day I put a wash on and as you have probably guessed it ripped my clothes to shreds again! I have contacted them and they want to send another engineer out I have told them no I want a new machine, its caused 100s pounds worth of damage and I am not willing to have it fixed again. I am currently waiting a response from them

 

I guess I just want to know where I stand with asking for a new machine, the machine is only 8 months old I am really not happy having it repaired again

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your claim is against the retailer very under cra..


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ok, so I phone them and ask for a new machine? and am I within my rights to demand a new one?

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You should have gone to the retailer 1st

 

Its been repaired once ..now should be replaced or refunded [ but wont be full price paid as you've had it 8mts

 

But you 1st reported issues within 6 mts so no costs to you

 

Read cra


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It is approx. 8+ months between purchase and first report of any damage.

I think I might consider relying on manuf 12 month Warranty.

What is the Model of the w/m?

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Hi its hotpoint, I have been dealing directly with them

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model is wmAQF 721

 

Received a call today from claims depratment asking for photos of clothes or they could just offer me a good gesture of £50. told them no sent pics of clothes

 

they booked an engineer to call today, I cancelled, I want a new machine now its been fixed and the problem still there.....waiting on a response

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Sounds promising


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email received today from claims department today offering me £80 for the clothes......told them to take a run and jump!........4 tshirts alone ruined in March purchased In april worth £220......they reminded me they were not an insurance company so can only offer a contribution.

 

Also received and email from CS who said they cant do anything about the machine until the claims department has finished, I dont understand this, I need a machine, why do I have to wait for the claims department....

 

Any advice?

 

p.s I still have receipts for t shirts and all the pics of damage

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they say that because they really dont know anything so are hoping you are satisfied with that kicking of the ball into the long grass.

 

a letter as a pre-action protocol to their CE who is aidan Barclay,at 1st floor, Skyways House, Speke rd L70 1AB giving referece number for purchase and lay out exactly how much you want and why so £xx for faulty washing machine and £YYY for replacement of damaged clothing caused by the single use of the machine on (date).

 

Say that you expect to receive an acceptance of the liability or a denial and a lawful reason as to why they arent liable within 14 days of the receipt of this letter or civil action wil be taken to recover the losses caused by the faulty machine.

 

Say that you also expect them to make arrangements to remove said machine or you will bill them for its disposal.

Edited by dx100uk
spacing

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I have resent all photos with labels showing along with a completer timeline of events, also supplied Receipts for the 4 tshirts that were purchased in February and worn and washed once, I never sent them pics of underwear nightwear or towels etc just told them that numerous items had been ruined

 

Told them I would accept an offer of £300, which I think is very fair, and also to get a move on with on as they wont return the machine until this claim is dealt with, if this fails or they start to mess me around I will take the above advice, it took me 2 hours to do this today, as well as the hour I spent the other day, its time I dont have.

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and who did you send them to? If it wasnt the CE then it wont get a decision. Stop talking to the parrot and tread on the owners toes All you have doen is wasted 2 hours of your time by your own admission

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messing me around..........

 

Customer service say they cant replace or fix machine until claim is settled, claims department says they cant settle claim until machine is replaced or fixed

 

can I send a pre action protocol by email?

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yes,

but I would send it as an attachment so it can be forwarded to the correct person when the CEO's office asks legal to look at it.

 

you will then get a third ddepartment to try and soother things but as long as you have made it clear what you expect and why then thery will either accept or deny your demands.

 

So keep the list as simple as possible so cost of washing machine plus x items of clothing with a total value of £yyy.

No need for receipts or pictures, that is for court of they are dumb enough to not want to settle.

 

tell them when you expect a response by and then when you expect apyment so response within 14 days and payment within 21 days or off to court it goes and then you will be after incidental costs as well.

Edited by dx100uk
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where did you find info about CEO I have been searching. cant find anything, looking for email address

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ceoemail.com


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Very.co.uk, Littlewoods.com and VeryExclusive.co.uk, has appointed Henry Birch NEW CEO as from 2018 May 4th

 

very obtrusive no E-Mail as yet, must be because everybody has complaints against shop direct????


:mad2::-x:jaw::sad:

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