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    • Well I hope that you request a call recordings is successful – but I'm a bit surprised that you need them because I would have thought that you would by now have read our customer services guide and you would have your own recordings. Just because a company says that it records your calls, doesn't mean that it does – and also it says nothing about the retention policy. They may have a retention policy of only a couple of months or so. There could be other more sinister reasons why they don't give them to you.   So you don't record your calls….  🙄 I'm not quite sure what you're going to sue them for. You had a cooker which you have used since the beginning of 2017 – and that means that you had it for 2 1/2 years and used it successfully before the door broke. They supplied you with a new cooker – which you are not entirely happy with because of the way the thermostat works – and now you are considering suing the supplier for the breaking of the door a few months ago. If I were advising them, I would tell them to offer a cash settlement which included a reduction for 2 1/2 years of use against the full price of a brand-new cooker which you might reasonably expect to last seven or eight years. I think if you had tackled the problem head-on when the door first broke and succeeded in pushing for a replacement door, then you would probably have succeeded – assuming that those doors were still available – but you would still be left with a cooker 2 1/2 years into its expected lifespan. Instead, they supplied you with a new cooker which although work slightly differently, basically means that they have given you a free upgrade which is worth about 30% of the value of new cooker. I'm sorry to say but I think you did quite well – and because you left it so long, it won't be possible to get your door reinstated because I suppose the cooker is long gone. If you can get the recordings which say that you are going to receive "like for like" then that might be helpful, but it seems to me that what they given you as a gesture of goodwill – and you've accepted it and it may well be that you have forfeited any further rights as a result. I suspect that you might come off the loser in this battle
    • Thanks I do not have £s.  I have to do it all myself.    The situation is more complicated than just me.  I was the leaseholder.   Separately, the family hold the fh (I can never  personally benefit),   The bank have tried every legal means to get the fh and failed.   Wasted time, whilst my interest accrued.  The freeholders have their own legal argument with the bank and the bank has limited time to respond/act before they run risk of forfeiture of the lease back to the freeholders... The bigger value is in the lease now.  But long-term the value will be with the freeholders.  Raising the funds to pay off my debt is being looked at - aside from their legal action on poss forfeit. There are discrepancies with the bank's paperwork.  Dates wrong and signatures missing on important docs. I understand one may question how the situation could change soon after 4y.   But it seems the market is changing. Properties of similar value in the locality have remained unsold in 5y - but agents are now seeing more interest and offers on these properties.  The bank has advised they have offers at a certain level but have been reluctant to accept. They spent the last year in futile attempt to get the fh.  If they had pursued the offer for the lh 1y ago there would be very little shortfall - or any shortfall could have been potentially dealt with on some sort of financial agreement? imo they want to pursue b and get the house so they can take advantage of this poss rise in values.  
    • Thanks Andy So having looked thru the small statement they provided lots of £12 charges added on from Jan 2018 adding at least £200 to the smaller balance of £593.75
    • The only model we can find from their group of companies which seems to work the way our last one did is this https://ao.com/product/ch60dhwfs-cannon-by-hotpoint-harrogate-dual-fuel-cooker-white-26506-12.aspx?cmredirectionvalue=CH60DHwfs   The reason ive not considered the warrenty with ao and taking action in that regard is because hotpoint agreed to fix free of charge with parts free of charge. They then decided to change the cooker like for like - with myself personally asking if there were any changes and I was told 'No just a newer build'. The item was delivered and we noticed that the main fan oven operates differently, as in the fan does not operate once the oven is up to temperature. Our old oven used to run all the time and cooked perfectly. The replacement does not cook evenly and takes longer to cook, as well as requiring a higher temperature. Hotpoint sent an engineer out on 20/02/2020 so states that the cooker is operating as designed so they are now stating they will not replace a cooker that is working as they designed.   I am now looking at the prospect of issuing a small claim online as ,1) This cooker is substantially different to our previous model for which we were not advised. Hotpoint record all calls which they tell you on every telephone call they make to you, so I intend to request these phone calls to support a claim if I make one.      
    • as explained in you CTAX thread (which you have yet to update us upon) they have right of entry yes. so he has done nowt wrong sadly. but its extremely rare for a magistrate to grant this.   i'd be checking the warrant and notice of enforcement had the right address though!
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Hello does anyone know if true blue loans are still in existence. Had a loan with them back in 2015. Only part paid it back and now had a PDP from moriarty law.

 

So was thinking about getting an irresponsible lending complaint into them but can’t see any contact details.

 

They always seemed a bit shady back then

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Do you have any original documentation from them for a loan?

As i think TBL werent a lender in this case...


 

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Do you have any original documentation from them for a loan?

As i think TBL werent a lender in this case...

 

 

Fidelity works trading as True Blue Loans is what it says.

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Had a true blue loan in 2015. Never appeared on my credit file in all that time. Still doesn’t show but I had a pap form through from moriarty lAw. Sent the CAB pap form back asking them to show me that it’s mine etc. They said they’d get back to me.

 

Original loan was for 300 they’re asking for 600.

 

I’m just curious as to why they would have never marked my credit file with it. I did send an irresponsible lending complaint to an email address of them but never had one back to acknowledge it. We’re rhey a bit of a dodgy company

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Each company must first have a reciprocal agreement with one or more of the Agencies, known as the Principles of Reciprocity....before reporting to the Credit Reference Agencies. Lenders must agree to and adhere to these principles to allowing them to check Credit Files during the application phase and also to report account information after an account has been created.

 

Most of us only glance through the terms and conditions before signing on the dotted line, but read through them in full and you may find that by agreeing you agree to your payment history information for that account being reported to the Credit Reference Agencies. With the reciprocal agreement in place and your agreement to the terms and conditions, a company can start reporting payment history information.

 

However, not all accounts are reported, with the frequency of reporting often varying between and within types of credit agreements.

 

Andy


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on the 13th November 2018 they sent a pre court action protocol to me.

i sent the CAB one back, they have now emailed me a load of stuff relating to the loan(3 months later) does anyone want to see if it is enforceable.

 

Not sure if they should have emailed or they should have posted

 

they are claiming i owe £600 when i only borrowed £300.00

 

must add this was in 2015 and i didnt pay any back

 

msut add moriarty law sent this

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Cab one?


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

 

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who's reply form to the pap letter did you use please?

you say CAB...do you mean our one [CAG]


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

 

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Sorry yeh you’re one cag

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Scan their return up to one multipage off

Read upload


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

 

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1-5

 

7-10

 

11-15

 

16-18

Edited by dx100uk
merge 16 single upload removals

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removed all those rinty

 

ONE MULTIPAGE PDF PLEASE

not single pages

else we'll be here all day downloading single ones.

 

dx


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

 

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anyone managed to take a look?

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threads merged.

 

loan was taken over by a sale agreement by SSL capital in 2017.

you recently received and replied to a PAP letter from moriarty [WHO are their clients please]

 

they have replied and that looks acceptable

but you query you now owe £600 but the old loan was only £300

 

you have yet? to do an IRL complaint?


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

 

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i sent one but never got anything back from fidelity works. dont know if they even exist anymore.

 

do i just wait to see if they put court forms through or what?

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Who do moriarty state as their clients??


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

 

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I also notice i've had emails offering 50 percent settlement. i thought they only did this when its uneforcable

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Not necessarily...discounts can be offered when its simply not financially viable to litigate on.

 

 

Andy

 

CAG will be CLOSED due to a major upgrade from 14:30PM Tuesday 26th 2019 for at least 48hrs . The Forum will be available in read only status during this process


We could do with some help from you.

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ah ok so have they suddenly decided it is financially viable to litigate if they've sent me a pap.

 

Anyway my question is should i be doing anything at the moment?

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Again not necessarily...they may be testing the water subject to your response to the PaP...PaP is a means of both parties setting their stalls out and provides opportunity to either mediate or come to an arrangement without the need of proceeding to litigation.

 

Complete the PaP and see what transpires.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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So i filled in the CAG pap form and sent it back and they sent back everything in post 19

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