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    • No direct answer for you I am afraid but their actions are surprising. Although banks can and do question unexpected large payments into bank accounts (large relative to what usually comes in) you wouldn't expect a payment from HMRC to be considered a suspicious transaction under money-laundering rules. And you've done the right thing, gone into branch with ID and proof of the source of the payment. Hopefully they will soon unfreeze your account.Sady in all local managers have virtually no say in what happens, it's all down to head office fraud and money laundering team.   Their suggestion that student accounts don't allow you to work is surely nonsense. The requirement in their t&c is that you must be on a full time course, not that you can't work as well. Their t&c say " You must be aged 18 or over and studying on a full-time UCAS registered course of two or more  years’ duration...". Nothing in the t&c about not being allowed to work as well, they made it up. It would be a strange student a/c that said you couldn't work ever - Nationwide must know  that most students need to take part-time/holiday jobs as well to pay their way through university (and have done for as long as student accounts have existed - at least 50 years!)
    • but no judgements yet..urm… think about it..
    • I could never thank you enough Ell-enn - And would never have been able to get through this without your help, support & guidance... Thank you so so much!   I found it all quite traumatic and distressing today - I managed to make myself look somewhat presentable for court and tried to stay as positive as I could, but had a pretty bad panic attack and broke down crying on the way to court, which melted my make-up and I felt very dizzy and unwell. The security staff were helpful and a lady appeared at desk in waiting room (usher I think) and told me that the rep for other side had been there all day, but had popped out for lunch. She said when he gets back he may want to talk to me. I felt like I was going to projectile vomit all over the waiting room. My head started pounding with a severe headache and I was worried I might pass out. He waltzed into the waiting room and stood towering over me at over 6 foot, but only looked about 12 years old.... Very cocky and stood too closely in my personal space. He told me to follow him into a private room for conference and I refused and told him I would prefer for the judge to decide.    Shortly after we were called into the judge. I don't recall his name but I don't think it was the same judge who issued the original possession order and he looked a little bit like Judge Rinder. I broke down crying again soon after sitting down and had to apologise to the judge, who seemed sympathetic. I felt so unwell, embarrassed and humiliated. I then had a panic attack during the hearing and was struggling to breathe - I must have looked such a state.    The judge asked what date the eviction was due to happen (Monday) and then asked me if I had any offers on the house yet and spoke to me briefly, but I could barely speak due to crying. He asked me about my expected return to work and I said I had suffered a nervous breakdown and wanted to be able to get back to work as soon as possible, that my GP had singed me off sick until mid-August and that I was currently on several medications which also affect my ability to work. He asked me if I wanted to say anything else and there was so much I felt I could have put across better, but just didn't feel able to and couldn't think clearly, so said no.   The judge said to the rep for Britannia that he felt concerned about this, but not sure exactly what he meant by that and then the other side stated they had clear instructions to take possession, that I had only paid them £10 and disagreed with my proposal to sell the property myself. The judge asked him if my offer of £50 towards arrears fell in line with Norgan case and the other side said yes. The rep stated that whatever it is I do for a living, my proposals could not be taken into account, as I had no proof or indication of my current income/expenditure.   The judge then came back to me and said he wouldn't be able to agree to more time for property to sell, but would have been able to do more if I had an offer in place / sale agreed. He asked me about my work and for a clearer indication of when I would be able to resume payments / pay a monthly amount towards the arrears. I said that I also had a spinal injury & had had surgery on my spine a few years ago and it was due to complications from that that I had initially been unable to work & fell into arrears and then went on to say that it was Britannias' actions that had caused my breakdown and he did snap at me a bit then and told me he didn't want to hear what Britannia had done, so I apologised. He asked me again when I thought I would be able to resume payments and I asked if September would be ok. I was shaking and having a pretty bad panic attack at that point.    The rep from other side then jumped in and said she needs to pay us straight away, and the judge then stated that he would make an order for me to make repayments from August and suspend the order on those terms. He said if I fell into difficulties again we would be back here again and said that they may be able to help me again if that happened. He asked if that was ok for me and I felt pressured to agree as I didn't feel able to do any other.... I am now now worried about my ability to do this, but obviously relieved at the same time. I think the rep for the other side was a bit p**sed off... He was quite ignorant and I feel traumatised...I feel sorry for the judge having to see me in state like that.   As soon as we had left the room the rep came right up behind me calling my name and told me he needed my updated phone number so that he could contact me. He looked a little bit psychopathic at that point and I told him I didn't want to speak to him and walked off.... I was so dazed I went in the wrong direction when I left the court building and it wasn't until I looked in mirror later that I realised I had tissue paper stuck all over my face from where I had been drying my tears... I HATE Britannia for making me go through that, especially under such poor health.... Which they have caused me!   Thank you again so much for all of your kind wishes and assistance - Especially Ell-enn, as without your help I would be facing Bailiff eviction next week - And still won't sleep until that time has passed.... xx         
    • Just thought I would update, Unite the union have now intervened although initially at a low level.   They have contacted HR at the firm asking them to deal with it in order to stop Unite getting involved
    • Hi.  This was one of the posts i'd seen before - they mention 4 in court and having to pay £1000's in court costs alone...  Presumably, if they're paying costs, there has been some success...??    
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mickrick

Freezer broken less than a year since repair ***Solved***

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We had to have our TCL fridge freezer repaired less than a year ago when the freezer inverter stopped working. It was out of warranty and we had to pay £300 + vat for the repair. Now the same thing has happened again. An entire freezer full of food is ruined now.
 

Is the manufacturer liable for the repair this time, and can we insist on compensation for the loss of food?

 

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Well it would never have been the manufacturer. It would always have been the retailer.

You haven't told us who you bought it from, when you bought it or how much it cost.


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1 hour ago, BankFodder said:

Well it would never have been the manufacturer. It would always have been the retailer.

You haven't told us who you bought it from, when you bought it or how much it cost.

Sorry its a CDA fridge freezer. I don't know where I got TCL from.

 

The f/f was left in our house by the previous owner. It was less than a year old when it broke down the first time and CDA wouldn't transfer the warranty, so we had to pay for the repair. The retail price was almost £1500 going by internet prices last year but I don't know where it was bought from. I've no way of contacting the previous owner.

 

Ironically, the engineer who repaired it last year said that the inverters are notorious for lasting less than a year. But we don't have the money to buy a new, more reliable model.

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Well I'm afraid that the contractual chain has been broken and so I don't think you got any redress against the retailer. If you can really show that it is a design fault then you may have an action against the manufacturer but I think you need to find quite a few cases on the Internet in order to make any dent there.

However, you had it repaired and you paid £300 for the repair and it seems to me that you could have a claim against the repairer. I would be looking to make the repairer liable. Who was the repairer? Presumably they supplied and fitted a new part?


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19 minutes ago, BankFodder said:

Well I'm afraid that the contractual chain has been broken and so I don't think you got any redress against the retailer. If you can really show that it is a design fault then you may have an action against the manufacturer but I think you need to find quite a few cases on the Internet in order to make any dent there.

However, you had it repaired and you paid £300 for the repair and it seems to me that you could have a claim against the repairer. I would be looking to make the repairer liable. Who was the repairer? Presumably they supplied and fitted a new part?

 

Yeah it was CDA (the manufacturer) themselves who did the repair and a new part (compressor not inverter as I previously said), was fitted. That was in July last year.

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Well thank you for this and I don't know why you have been so backward about coming forward on this very important piece of information.

Clearly we're not dealing with some sole trader repairer here. We are dealing with an authorised repair by the manufacturer.

You should absolutely pursue the manufacturer. I would also be suing for the value of any items which have been damaged as a result of the failure. I would venture to say that the contents of the freezer are all at a natural and foreseeable risk as a result of a breakdown.

I hope you've got photographs of everything and listed everything. I think that as long as you have done that then you are entitled to throw the stuff away because nobody would want it hanging around going rotten. Keep the wrappers whenever you can.

Have you approached them and what has been the response?


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On 20/06/2019 at 15:46, BankFodder said:

Well thank you for this and I don't know why you have been so backward about coming forward on this very important piece of information.

Clearly we're not dealing with some sole trader repairer here. We are dealing with an authorised repair by the manufacturer.

You should absolutely pursue the manufacturer. I would also be suing for the value of any items which have been damaged as a result of the failure. I would venture to say that the contents of the freezer are all at a natural and foreseeable risk as a result of a breakdown.

I hope you've got photographs of everything and listed everything. I think that as long as you have done that then you are entitled to throw the stuff away because nobody would want it hanging around going rotten. Keep the wrappers whenever you can.

Have you approached them and what has been the response?

 

Okay so this is what is happening - I spoke to CDA. They were shocked that the repair should've failed so soon. They said that normally they would repair the fridge again foc. However, once the gas leaks for a second time (it is the gas leaking which causes the compressor to burn out) it cannot be regassed again. Not good.

 

However, and this was very unexpected, we were offered a brand new f/f, the newer model of the broken one, with a discount of almost £600 (£799 as opposed to around £1380), with free delivery. This also covers the loss of the food. After checking other brands with similar features, this sems to be a very competitive price. So we're happy enough to go with that. And well done to CDA for going, we believe, above and beyond to get the matter sorted out.

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Well done - and well done for letting us know.  😀


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17 minutes ago, BankFodder said:

Well done - and well done for letting us know.  😀

 

And thank you for all your advice. I wouldn't have known even how to begin the negotiations without it.

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