Still Surviving , good luck for tomorrow - we have a hearing with them in Sept - after they had been lapssidasical about the whole court process, they had extension after extension - never known anything quite like it!

Can you file against a Dublin address in the same way as a UK address through your local county court.

Just wondering if I am protected by this act with a purchse that I made online with an Irish retailer? Many many thanks

I would have thought that you need to identify the fault, and then maybe contact both the retailer and manufacturer by email. Could be wrong, but its what I think I would do in the first instance.

Hi I hope you can help me. Back in June I bought online some fitted car seat covers from an Irish owned company- named to suit my exact model of vehicle. Admittedly it is my fault that I have only just come to fitting them. I feel they are not fit for purpose as 1) the drivers seat cover "pops off" with getting in/out 2) the rear head rest covers are all the same size - yet the middle head rest on my car is smaller. 3) the zips - which are for the function of being able to split the seats without taking the covers off -just come apart - they cannot stay done up. I have emailed the retailer detailing the above. They have basically said hard luck as their return policy is 7 days. Looking on their website they even state 7 days for faulty goods? That said - laughingly I have just looked at the email invoice with details of the purchase and it says the item has a 3yr guarantee. Can anyone help me with what I should do next. They are clearly not fit for purpose and were £70! Many Thanks

Thanks Scott - I have two like this - but in both cases the CCJ came months after the Default, and in both cases a high proportion of the default amount was later claimed back in unfair charges - does that make a difference? Neither had an enforceable CCA either

I know this is bringing an old post back to life BUT am I right in thinking they are not meant to put a Default and a CCJ on my file for the same debt? For some reason I think it is meant to be one or the other? These are the same muppets that raised a partial CCJ followed by trying to raise a second CCJ for the remainder of the debt. All without a enforceable CCA. Any help would be greatly appreciated as always

Thanks for your honest opinion

I am just contemplating. I do not recollect having received a Default or a notice of assignment from Next or London Scottish. If I SAR them both to ask for all information held then that could show a flaw in their data? Pondering. Equally maybe it will show they "sent" me all that I should have had - only mysteriously I never received any of it?

bump - I could do with knowing the answer to this as I am in a similar situation

Its from Experian. You're not missing anything - its just that no one has a copy of a CCA - so how do they think they have permission to file defaults against me etc? Or am I completely off track in saying that?

I agree DonkeyB I thought London Scottish went tits up too.

Its definately listed as a default. I'm not sure who put it there - I can only assume it was London Scottish? Thats what it is listed as. Sorry I am just reading that letter again - which states that the default was 2005 and the payment was 2007. Still i'd rather not wait another 16 months for it to drop off - esp as I dont like people holding on to my data when they do not have permission to do so.

Sorry - I'm trying to get a 2007 default removed.

Hi all I hope you can help. Robinson Way have filed a default against what was originally a Next Directory Debt. This debt is satisfied and has been for some time. I do not ever recollect having received a default notice. Nether Robinson Way or Next hold a CCA for this account. Therefore could I not challenge their rights to hold and distribute the information? Several unhelpful responses were banded about by them back in 2009 one of which is shown below. Incendently the cra's show it as london scottish but the responses have come from the lovely robinson way. Can I file in court to force them to stop disseminating my data without permission - and how do I go about it - or is it not that simple?

Hi rabhip - I am in a very similar situation to you - except with me it is my clavicle. It is non operable so again not the cheeriest outlook! I would be interested to see how you progress with this.

Hi I'm afraid to say I was up for GM last year - for 3 rediculous reasons. Seriously shady! What is your take on the allegations? I know with me they were unfounded in my opion and that was the result of the hearing -unfounded on all counts. I think the main thing is are the allegations upfounded? And can you evidence this? Fortunately in my work you retain all emails - and it paid dividends in my case. Unison are very helpful too by the way

Hi, I am looking to reclaim my mums' PPI for many and varied reasons! My question is who do I write to - GE or Santander? The account is live and active. Many Thanks for your kind help

Thank you Steven 4064 - worth a try I think - I just wasnt forward thinking enough at the time

Hi kevp - I would try the address that Alanalana has given next - frustrating isnt it?

Thank you old andrew 2007

Sorry - I was forgetting that they had changed to Santander since my days of reclaiming - ignore what I said

Hi, with the help of this forum I successfully claimed back unfair charges and compound contractural interest from GE Capital last year. For both these accounts I have CCJs from 2006. One was settled within 14 days but the other was not due to the amount - so this shows on my credit file:eek:. These are both satisfied and have been for some time - but my question is can anything be done about them - as they were unfair in essence due to the charges being applied. Would an application to have them set aside be effective or can I do something better than that? Or can I do nothing at all? Any help would be really greatly appreciated.

I always used 6 Agar Street, London WC2N 4HR with success. Sad that I still know it off heart!

Hi - just wondering if I could have some help please. I have previously reclaimed my unfair charges from MBNA - however until I dug a bit deeper I had over looked the matter of PPI. On the CCA - PPI is clearly not ticked - yet from the inception of the account PPI has been charged. Am I right in thinking that as the PPI was not agreed to / accepted - I should be able to reclaim. What reason would I be giving? Many Thanks