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    • Thanks,    I've read the info from the link, nothing I wasn't aware of really. I wouldn't talk to a DCA anyway or anybody else over the phone for just about anything, hence the reason I refused to give them my details when they rang up. The only "conversation" I had was when they rang me and asked me to confirm my details, which I refused to do because it could have been anybody on the phone and as I said, I'd never heard of them anyway at that point. I asked them to contact me in writing, if they wished to pursue the matter, with "a copy of the Agreement" and the reply was that "there isn't one". At that point I said "we have nothing more to discuss then" and ended the call.    I'm still not happy about posting the entire details online but I'll take a look at some of the other threads to see if there's anything relative. 
    • Looks like my mistake. The new machine requires the full reg to be entered now, whereas before, only the first two numbers were required. I entered the first two numbers.
    • Reciveed a summary warrant, phoned up the council who said it was not longer anything to do with them and I'd have to speak to walker love the firm who deal with their summary warrants. I said I wouldn't have anything to do with them becasue it looks like a dodgy dca and I  I don't trust them, the debt is with the council not walker love. Anyway turns out they have no record of an arrangement to pay last years outstanding amount so whatever's gone wrong they have cancelled this years installments, even though regular payments have been made, they then took a summary warrant for last years and this years outstanding amount. I've cleared last years outstanding amount to the council and have a payment reference number, and the council say they'll make contact regarding a single person's discount  which was missed and then calculate the payments for the rest of this year. They say they sent out three letters threatening the summary warrant which were not received. Now to my question, my argument that the debt was with the council and not walker love, and as I've paid and agreed to pay what and the council say they'll contact walker love and stop the action, is this correct or will walker love still pursue? 
    • I'm trying to get my head around this. In effect, over the years you have been paying your own bill for yourself and also the bill for your neighbours usage as well – as metered. At the same time your neighbours have been paying their own water bills based on an SS charge. This means that Yorkshire water have been receiving double for your neighbours water. Now they are proposing to return to you the portion which which they now say represents the amount of water used by a neighbour. I think it would be interesting to talk to your neighbours and see if you can get copies of their bills over the years. Our Yorkshire water proposing to return to you the same amount of money that they charge your neighbours? Even if your neighbours don't have all of their bills to hand, maybe they've got one or two bills available and if it looks as if there is a discrepancy then maybe your neighbours would be kind enough to send the water company and SAR as well. I don't know if I have suggested that you read our customer services guide – but if I haven't then you should do so and implement the advice there in case you have any telephone dealings with the auto company. You haven't said whether you want to have a metered supply or to have an SS charge. Please let us know because it makes a big difference to the final solution you will be looking for. If you want to metered supply then I think you are absolutely entitled to insist on it and you are entitled to insist that Yorkshire water and if this is in your garden, they should then pay for any repairs.
    • Not sure if this is the correct forum, so I apologise in advance.   So, the situation I am currently in.. is that a family member opened a Littlewoods account in my name, at the address I used to live at (Family home). The account was opened in November 2018, goods were obtained and then payments were missed. I usually check my credit report and score every month, but (somewhat foolishly) I didn't bother checking for a few months as my score remained the same. I didn't notice this account on my report until several months after it was opened. I obtained statutory credit reports and went through everything. I then filed this issue with Action Fraud.   I contacted Littlewoods and explained the situation to the fraud team, re-iterating the fact that an account was opened at an address I had not lived at for almost two and a half years at the point that this account was opened, not to mention the account is under a 'Mrs', when I am male. They proceeded to tell me that it was a civil matter and not one for them to deal with. I told them that the amount owed wasn't the issue, but rather the adverse effect it was having on my credit score as I was considering applying for a mortgage soon. They simply doubled down on their 'civil matter' point and hung up on me.    I got in touch with Experian, who added a notice of correction to the entry on my report and provided a template for me to send off to Shop Direct. I sent this letter off and received zero response. The family member had started to make payments after I threatened reporting this to the relevant people, but the account, and the several months of missed payments, still remain as a black mark on my credit file. I will add that I got a CIFAS marker placed on my account to try and prevent this sort of thing from happening again in the future.   I have also filed this issue with the Financial Ombudsman. I guess I am posting this because I am not quite sure where to go next or what my next actions should be to get this removed from my credit report. It is incredibly disappointing that a family member would do this to me, but it is also extremely annoying that Littlewoods themselves have been very unhelpful in trying to rectify this issue that has occurred at such a point in my life when I am considering applying for a mortgage. Any help or advice would be greatly appreciated.   Thank you.
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Problem with Toshiba LCD TV - advise needed

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Hello everyone

 

I bought a LCD Toshiba TV from Index in October 2005.

 

It is now not working. You can get sound from it but no picture.

 

We called Index and were told that the warranty that comes with it has expired, my husband called Toshiba and they were no help either.

 

My Stepdad has told us about an act that we should be covered under as you would expect a TV to last a little bit longer than 22 months.

 

Can anyone offer any advise please on how we can get this TV sorted?

 

Thank you


Halifax - Claimed £1400 settled @ £1102 :-|

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besides taking the telly back to index shops and creating a scene i am sure you should get somewhere doing this but look for BUSBY threads and see if he can help you he is more knowledgeable on this sort of thing good luck


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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I didn't think Index shops still existed? Littlewoods, as far as I recall, sold them to Argos who then sold most of them? (Happy to be corrected).

 

Your stepdad is referring to the Sales of Goods Act 1979, SOGA for short, and yes, he is quite right, a TV should last more than 22 months.

 

This one has me stumped, as your contract is with the retailer, and the retailer in this instance is not there.

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Index no longer trade as a company, they closed all stores and sold property off to Argos in 2005. Kinda confuses me though because I swear the change over was implemented before october, as I currently work in an ex-index store which opened in september 05. (Just a note Argos have no liability if you did buy it from index)

 

Regarding the sales of goods act, a product should be made to a satisfactory quality, this includes durability of the item. If an item breaks due to an inherent fault within a reasonable amount of time (the length of time varies from item and reasonable would be the length of time a normal person would expect the product to last), you would be entitled to a repair or replacement of the item.

 

This is outlined under section 48 of the Sales of Goods act.

 

This should help:

Trading Standards Central - Trading Standards and Consumer Protection information for the UK

 

(Just to clarify index brand wasn't sold to argos, but a proportion of the properties were. 33 to be exact. The stores mostly start with an 8 too :p)

 

(BTW I know index did have a helpline number, but I thought that would have closed down now, How did you contact index?)


Ex-Retail Manager who is happy to offer helpful advise in many consumer problems based on my retail experience. Any advise I do offer is my opinion and how I understand the law.

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Under the circumstances then, best bet probably is to get one of those engineers with no callout fee, or to a shop that will diagnose FOC, and get a quote for repairs. The last time I had a problem like yours, it cost me £80 :-(, all it took was a spot of soldering and voila, good as new and TV has been working fine ever since.

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last time i was in chester i was in argos and the stuff they were selling was index but to be truthfull i cant remember wether it was last year or the year before lol sorry that does not help....

bookworm oh most knoledgeable one can you help this one...

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/112922-wrongly-accused-shoplifting.html


http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

 

 

 

Advice & opinions given by patrickq1 are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional

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sorry guys force of habit, the company I bought it from is LXdirect.

It is a catalogue, I paid for it on interest free credit & it is all paid for now.

 

Sorry for confusion!!!


Halifax - Claimed £1400 settled @ £1102 :-|

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last time i was in chester i was in argos and the stuff they were selling was index but to be truthfull i cant remember wether it was last year or the year before lol sorry that does not help....

bookworm oh most knoledgeable one can you help this one...

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/112922-wrongly-accused-shoplifting.html

 

I can't, no, police powers don't come under consumer law, and I have no idea of what they can and can't do.

 

Sorry for hijack, GG! I'll go have a look at your issue now.

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Oh, ok, LXdirect, part of the Littlewoods group, very much existing company, ok dokie.

 

Right, so you want to send them a nice but firm letter. Were you actually just told that warranty had expired and nothing more, or did they say something on the lines of "nothing we can do" or "nothing to do with us", as it makes a difference? In one case, they are telling you a fact, leaving you to draw your own (erroneous) conclusions, in the other, they are misleading you. You will need to phrase your letter accordingly.

 

The rest of the letter should quote this, taken from Trading Standards website:

The Sale of Goods Act 1979 (as amended) says that goods should be as follows:

  • Of satisfactory quality. This means the goods must meet the standards that any reasonable person would expect, taking into account the description, the price and all other relevant information. In some circumstances, the retailer may be liable for any statement made by the manufacturer about the goods.

Satisfactory quality includes the appearance and finish of the goods, their safety and durability and whether they are free from defects (including minor faults)

 

 

and point out that 22 months is hardly going to come under the "satisfactory" part of durability, and that.

 

Ask them how they plan to remedy the situation, and give them 14 days to respond.

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Right ok, thanks BW.

 

My Husband spoke to them about it so will confirm with him what they said.

 

Will it make a difference to the outcome do you think??


Halifax - Claimed £1400 settled @ £1102 :-|

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Not as such, but you can make a big stink about the fact that whoever said that tried to deprive you of your statutory rights, which is a big no-no.

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Court is your recourse and, as a general rule, companies don't like going to court because it makes for bad publicity AND costs them money. I would not be shy about saying you are willing to go down this route is they will not resolve the matter.


The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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hi

the only prob with lcd's over 18 months old is they wernt given a good shelf life in the first place, this is why plasma tv's took off so well.

when speaking to the company who sold it, always make them feel that its in good customer relations if they do what you need them to do.


TOTALLY debt free as of 2007, Fantastic,

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That's funny, that's exactly the opposite of the info I got! :shock: eg that plasma screens will die after about 5 years, whereas LCD go on and on.

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That's what I was told as well Bookie.

 

An LCD screen is pure solid state - they have an estimated life of 60,000 hours and cannot get screen 'burn-in' ( ie you don't need a screen saver on an LCD monitor)

 

A plasma screen is slowly moving towards this lifespan - particularly the high end brands. Early plasma TVs have already gone to the graveyard. Plasma screens can get 'burn-in)

 

In the early days of flat screen, plasma was better at handing moving pictures (TV as opposed to computer screen) but LCD has now caught up

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Have had a busy few days so am just drafting letter.

 

Should I be asking for a full replacement or for them to repair the exisiting one?


Halifax - Claimed £1400 settled @ £1102 :-|

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Either is a sufficient remedy, it depends what's at fault.

 

If a £2 part has failed it is unreasonable to expect a replacement TV.


The above post constitutes my personal opinion on the facts in the post compared with my personal knowledge of the applicable legislation. I make no guarantees of its legal accuracy. If you are in doubt seek advice of a legal professional specialising in the area concerned.

 

If my post has helped you please click my scales!

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Thanks, have asked for either.

I did not know whether them repairing it would affect my rights in any way.

 

Have written to them now so will wait & see what they say!!!


Halifax - Claimed £1400 settled @ £1102 :-|

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Hi

 

I work in the computer trade and seem to remember hearing something about EEC rules that all electrical appliances carry a 5 Year Warranty although I may be wrong. But if this is the case then the manufacturer is in breach of warranty.

Have you looked at Sale of good atc BRIGHTHOUSE

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Hi

 

I work in the computer trade and seem to remember hearing something about EEC rules that all electrical appliances carry a 5 Year Warranty although I may be wrong. But if this is the case then the manufacturer is in breach of warranty.

Have you looked at Sale of good atc BRIGHTHOUSE

 

Hello.

 

Yes, you may find my thread http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/111368-sale-goods-act-brighthouse.html interesting. It is about a similar problem.

 

I don't know of, and am certainly not aware of, any EEC rules suggesting that all electrical appliances carry 5 year warranties - in fact I would doubt this very much...

 

What you CAN be sure of, though, is that most "high end" electrical/domestic appliances are expected to be free from manufacturer's faults for considerably longer than 12 months.

 

Any warranty (whether a 12 month manufacturer's warranty or private extended warranty) is IN ADDITION to your basic statuatory rights, which amongst other things, state your product should be "durable" to a degree expected by a "reasonable" person. Would a "reasonable" person expect to purchase an expensive TV every two years?

 

The most important thing to remember is that YOUR RIGHTS DO NOT COME TO AN END ONCE A MANUFACTURER'S 12 MONTH WARRANTY HAS EXPIRED.

 

 

Cheers

Lefty


If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

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Right guys I need your help!

I wrote to them initially on 27th September and gave them 14 days.

Then we were in the middle of the postal strike so I gave them a bit longer.

Wrote to them again on 3rd November giving another 2 weeks.

 

No reply

 

What do I do now????


Halifax - Claimed £1400 settled @ £1102 :-|

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Your second letter did you put on it Letter Before Action?

 

 

Idax


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I asked them to respond with in 14 days which they have not done. They have not responded to either letter.

 

Should I use a specific template?


Halifax - Claimed £1400 settled @ £1102 :-|

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I believe 'Which' have evidence that the reasonable period for electrical goods is about 5 years.

 

Oops- posted this after reading page one of two- so its a bit late.


written entirely without prejudice to my whole rights and pleas in law and may not be founded upon in any proceedings.:lol:

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