Anyone with any comments or advice. "EXEMPLO DUCEMUS"

letsgetitsorted, Slightly different to your offer, full price of engrs report and enough to purchase another cooker or have the engrs repair it. I am very happy with the offer and as I have said previously, they are not the easiest or the quickest to deal with. Personally I would tell them to think again and ask for a higher evaluation and send in an engrs report as a back up, £100 seems a derisory offer unless your cooker is very close to the SOG limit to claim. "EXEMPLO DUCEMUS"

Hello all, Well herein lies the response from the FOS after approx 2years awaiting,re our claim for mis-selling of a, "Single Premium Disbursement Income Protection Policy" Dear Mr. I write to you in respect of the above complaint.I am the adjudicator responsible for PPI mis-sale complaints that we have currently set up against Sterling Life Limited. Before this service can consider a complaint we must ensure that it falls within our jurisdiction. The jurisdiction of the Financial Ombudsman Service is set out in the DISP section of the Financial Conduct Authority Handbook. These rules set out which complaints we can and cannot consider.. We have established that the seller of this policy- Midland and General Direct (now known as "GE Money")- was not covered by the Financial Ombudsman Service )or any of our predecessor schemes) at the time of the sale. As I understand it, Mr and Mrs **** have complained that their single premium disbursement income protection and term life policies were mis-sold to them, in conjuction with a secured loan in May 2004. At that time, GE Money did not fall within our jurisdiction in other words, we have no power to take this complaint forward against that business. As a potential alternative and last resort, we have been investigating whether we can take such complaints forward against any other firm within our jurisdiction, such as the Insurance companies that actually provided the cover, to see if they could be held legally responsible for the sale of this policy. We think this is the appropriate thing to do in the context of PPI (Payment Protection Insurance) because the regulator (Financial Conduct Authority) has already found systemic failings in the way such products were generally sold. It is not unknown for some policies to be described as income protection, while actually offering cover similar to PPI; for example covering monthly loan repayments for a limited period in the event of the insured's inability to work due to illness or unemployment. However, during the course of my enquiries, it has come to my attention that Mr and Mrs **** selected to take out life cover only.As such , it appears that income protection and PPI, was not sold alongside the loan. Whereas PPI is not individually underwritten based on the policyholders circumstances, life cover is tailored to take account of the applicant's specific risk factors- for example, their health, lifestyle and employment status. PPI is also a short term, renewable product; whereas life cover is a long term commitment by both insurer and insured. Accordingly, I am sorry to say that we cannot progress this complaint any further as it does not relate to an insurance sale that was either regulated or covered by a predecessor scheme- and it does not concern the sale of income protection and/or PPI. Therefore, I am writing to confirm that I will now close Mr and Mrs **** complaintand notify Sterling accordingly. WHAT HAPPENS NEXT If you have any new information that you think means that the ombudsman service would look at this complaint, please let me know by 6th February 2014. Once Iv'e considered what you have said,I'll get in touch again to talk about the next steps. In every case,both the consumer and the business have the right to ask an ombudsman to make a final decision. Otherwise, you don't need to do anything more. I'm very sorry not to help any further. But please let me know if you have any questions about what I've said. Yours Sincerely, **** ******** Adjudicator. On contacting them by landline, my question to them was, if no one is apparently culpable, where has the upfront sum of just under £1000 gone to and for what reason was it taken. No policy or any docs whatsoever have ever been received from any company in regards to the claim. All comments/Advice will of course be gratefully received. "EXEMPLO DUCEMUS"

silverfox1961, Thank you, you are of course right, in fighting for your rights. "EXEMPLO DUCEMUS"

Hello all, Update, after 2 emails to, customer.services@currys.co.uk ( AKA the KNOW HOW TEAM) and a Letterheaded elec engrs report stating that in their opinion that the cause was, the terminal to the grill had not been made up appropriately and had eventually failed causing the grille to fail and blow the breakers out. They are not the quickest to respond, as you initially receive a comp generated reply from the Know How Team, tel no they gave me for contact (01142806407) then 4-5 days an actual email reply from the investigator and eventually a tel. call from a human being. After a little haggling and their acceptance to pay for the report and a cash settlement, which will enable me to purchase a new electric cooker with oven and grill.or have my cooker repaired. I am personally satisfied with this deal and I now await the arrival in my account of the settlement monies. I hope that the info contained in these posts from all who have contributed, will help someone in the same predicament as I found myself. "EXEMPLO DUCEMUS"

letsgetitsorted, The control knobs are of poor quality and mine have started to de-laminate the chrome/foil covering coming off and my grill control/knob is very loose. I have found Curry's not the easiest company to deal with. Will keep you in touch if any progress made and hopefully you will do the same. "EXEMPLO DUCEMUS"

Thank you for your replies and yes they live in hope, unfortunately not honourably.When they pursue stat barred debt etc, from persons who do not have the CAG to look to for assistance and guidance, then hence they make their ill gotten monies and honour they do not even come close to the meaning of it. " ET FIDE ANIMO" "EXEMPLO DUCEMUS"

Hello All, Received following letter from Clarity,4 days after sending, to their Compliance Manager, the Stat Barred/ do not acknowledge debt to you or any organisation you claim to represent letter. Thank you for your letter dated ** ***, received on ** ***, and passed to me for action. We are aware of the Limitation Act and the guidance provided by the Office Of Fair Trading in this respect. Neither questions the right of a creditor to seek repayment of a contractual debt on a voluntary basis . As I'm sure you appreciate many people honour their contracts irrespective of whether there is a legal remedy to enforce. Given the circumstances, however, I can confirm that we will be returning this account to our client and you will receive no further communication from Clarity. Yours Sincerely, Joanna Muddiman, Audit and Compliance Assistant Now awaiting letter from Arrow Global, see what they can conjure up. All info/advice will as always be gratefully received. "EXEMPLO DUCEMUS"

joka007 FLAVEL MILANO E 60 "EXEMPLO DUCEMUS"

silverfox1961 Thank you for your reply. I understand the 6 months period however, what I do not understand is the pertinent point, that no one seems to think relevant, nor mentioned the fact that surely a cooker is manufactured to a general safe standard and not expected/prone to blow up after 4 years of light domestic use. I recently had reason to deal with B&Q stores re a faulty wall hung electric fire, they at their expense, sent engrs on 2 occasions and 1 week later a manager who at their expense, brought a replacement fire and took the old faulty fire away for disposal. All this after 1 E-Mail to their customer services team claiming a repair/replacement using the SOGA 1979. This was after a period of almost 4 years of using the fire. "EXEMPLO DUCEMUS"

porkyp1g, Thank you for your input The grille has suddenly ceased to work and blew the breakers out, not the thing for a cooker to do,we are supposed to get some longevity out of an appliance and do not expect them to blow up after such a short time of normal use.That is why the SOGA extends to 6yrs. "EXEMPLO DUCEMUS"

porkyp1g, Thank you for your input. I am not a qualified engr and the SOGA 1979 does not stipulate that I need/must obtain engrs report, it stipulates you may "wish" to. The point I am trying to make, is that it should be up to Currys as the retailer, to provide at their expense the, in their opinion, a Qualified engrs report. I am not in any financial position to pay for engrs reports when it is clearly CURRYS responsibility. "EXEMPLO DUCEMUS"

Hello All, I purchased a cooker some 4 yrs ago and it has developed a fault with the grille which has blown the elec breaker out and stopped working. I have e-mailed them and phoned and received 2 e-mail messages from their know how team, both of which state: 1)You will NEED to provide us with an engineers report. Once we receive this report we will be able to establish where the fault lies. 2)In order to assist you, we will need an independent engineers report showing the fault and the cause.We require the report to be on headed paper and include the cost the engineers will charge to repair the unit. Once we receive this we will look at the cost to repair against the depreciated amount. I made the claim to them using the SOGA 1979, which clearly states that in your claim you "MAY WISH" to obtain an Independent engrs report, whereas they are stating that "You" will "NEED" to obtain engrs report. Surely they should be the ones providing the service engr to visit and report back at their expense and not for me to have to pay up front for an engineers report. All info/advice will be gratefully received. "EXEMPLO DUCEMUS"

fletch70 Thank you for the ifo/advice it is greatly appreciated. "EXEMPLO DUCEMUS"

Will do. Thank you again for the swift response. "EXEMPLO DUCEMUS"

silverfox1961 renegadeimp Thank you for your swft replies. Should I send any of letters to ARROW GLOBAL? "EXEMPLO DUCEMUS"

Hello All, Letter received from Arrow stating that. We are writing to let you know that the management of your account has been transferred to Clarity Credit Management Solutions Limited. HOW WE WORK Arrow Global works with a network of specialist third parties who manage customer accounts on our behalf. We have now appointed Clarity to manage your account and have passed your account details and payment history to them. NEXT STEPS You should now direct all queries, correspondence and payments to Clarity quoting ********. Their contact details as follows. Clarity Credit Management Solutions Limited PO BOX 336, Northampton NW6 9WZ Tel No 08445611715 Text 07797 800850 E: Mail Ecollections@claritycreditmanagement.co.uk If you believe you have received this letter in error, or that the outstanding balance is incorrect or not owed, please contact Clarity as soon as possible. Our aim is to help you clear your outstanding balance in a way that works for you and fits your current circumstances. If you are experiencing financial difficulties, we can help. Please contact Clarity as soon as possible to discuss your account and any questions you may have. Yours sincerely The Arrow Global Customer Services Team. This is an ancient account Stat Barred many many years ago. Rockwell dipped their sticky fingers in at the back end of 2012, I sent them the Stat Barred no acknowledge any debt to them or any other organisation the claimed to represent. Within 1 week they sent letter stating that. We can confirm that we are no longer dealing with this matter and our files have now been closed. Any future queries relating to this account should be directed to Arrow Global Limited. Yours Sincerely Collections Manager ROCKWELL DEBT COLLECTION AGENCY Then nothing until New Letter as above from Arrow Global. 1) Will I ignore totally as it is a phishing letter. 2) Send prove it letters 3) Send Stat Barred letter. All info/advice will as usual be gratefully received. "EXEMPLO DUCEMUS"

renegadeimp, Thank you for your advice/info, it is as usual gratefully received. "EXEMPLO DUCEMUS"

renegadeimp I sent him a" formal letter of complaint" with the CCA requests letters, I have just checked and Royal Mail delivered and they signed for it am today. I will give them 21 days from today to reply. "EXEMPLO DUCEMUS"

Hello All, After sending the CCA letter to MMF Compliance Director Mr Sands re #1 Letter received today. Thank you for your recent letters dated ** November regarding ref ******** & ******** I can confirm that ref ******** has been closed with MMF and has been rebated back to Uncle Buck Payday Loans. This account was sold in error to MMF;this was a duplicated account and will no longer be chased by MMF. However we are still the legal owners of ref ********. Please find enclosed a copy of your consumer credit agreement. I have enclosed the two postal orders that you sent to MMF. These have not been cashed as we are willing to send this for free this time. If you are satisfied with this credit agreement and want to set up a payment plan please call our collection department on 08009661105 and quote reference********. If you have any more queries regarding this account before setting up a payment plan please email pat@mmile.com with your query and quote reference ********. Yours Faithfully mmf 1) The so called credit agreement, is an Uncle Buck headed letter, with details of an account the number being totally different from any one known to us. 2) The account ref ******** rebated back to Uncle Buck is not an Uncle Buck account but another Payday Loan Company. The above effort from MMF is the result of the CCA request and Acc in dispute letters as they were well over the top re days allowed and because they included in a threatogramme the Threat of Legal Proceedings, I included the Pre Action Protocol, practice direction re production of True copies of docs and statement of accounts etc. The acc they are rebating back is the one with the threat of Escalation To Legal Proceedings and my letter re the Pre Action Protocol. They apparently do not know where or what they are doing, totally shambolic. All comments/advice will as usual be gratefully received. "EXEMPLO DUCEMUS"

BRIGADIER2JCS, Thank you Sir for your usual speedy reply.It is appreciated. "EXEMPLO DUCEMUS"

Hello All, 12+2 days for CCAs, is that inclusive of Sat Sun or 12 + 2 working days. All advice/info will be gratefully received. "EXEMPLO DUCEMUS"

Thank you once again for your rapid responses, it is greatly appreciated. "EXEMPLO DUCEMUS"

Thank you for your swift reply it is appreciated. "EXEMPLO DUCEMUS"

Hello All, When requesting CCAs from DCAs etc, will I have to send the fee of £1.00 for each agreement, I have 3 to send off which will be on the same letter of request, all for the same DCA, or will the £1.00 be suffice for them all?? "EXEMPLO DUCEMUS"