hay thanks guys! it is common sense at end of day! i was after a link to some online so i could have an idea, but great advice thanks again! Debbie

we are about to embark on renting out our property,(house) and wondered if any1 can point us in the right direction of the correct inventory! it is unfurnished but with the normal fixture and fittings! short of devising 1 ourselves would like an idea what 1 looks like and just print 1 off if at all poss! thanks peeps

thanks for advice, will do and get back to you, see how we go! debbie x

hi andrew have already been in touch with retailer (littlewoods) and they said if i dont get any joy from hoover/candy then i will have to get and pay for an independant engineer to come and give me a statement to prove the fault is manufacters fault and then they will replace it, easier said then done as phoned a few and most say they wont put their name to a written estimate. as it may come back on them!!! not sure what to do now. i have had letter back from hoover and they stand by the fact that they will repair it but i still have to pay the call out fee of £109 plus any labour charge!!! do i have a chance with the "product has not been fit for the purpose it was sold for" i think that comes under sale of goods act!!! debbie x

hi all need some advice on my broken dryer had it 18 months and drum came away from fixings in the back of the machine!!! have written to hoover asking for repair or replace, they say no can do!!!! bit miffed cos they will repair it but i have to pay £109 call out!! it cost me £269. i would like to ask what is classed as a responable life span of white appliance these days cos 18 months is a bit crap!!! thanks debbie x

UPDATE AT LAST!!! mum recieved a letter today saying they can not find where the debt was from so therefore it has been written off!!! thanks to all that adviced !!! debbie x

Hi Jan Sorry Not Been On For A While Been Really Busy With 4 Kids And Hubby To Tend To!!! Hi Underdog And A Big hear Hear!!!! Couldn't Have Put It Better Myself Send The Letter Jan And Chin Up!!! Debbie Xxx

heres that thread... Inside a DCA! debbie x

hi jan dont feel scared love thats what they want!!!! it is all scare tactics!! you need to send letter D from the tempelets library to the two company's that have refused your offer! HAVE YOU DONE AN INCOME AND EXPENDITURE?? this is the same as a financial statement it is list all income and outgoings and shows what surplus you have to offer once you have taken outgings of the income!!! they do normally accept offers after they have tried to get as much money out of you as they can!!! you have to remember to keep your chin up and dont under any curcumstance give in and say you will pay them any more than the offer! as quite simply you cant!!! if you were to pay one company more than the other than the pro rate offers will not add up right and the other creditors will than start to hassle you!!! did you say that you have NO surplus to pay anything??? if they do go to court the judge cant take of you what you dont have so if you show that you have contacted you creditors in good time and treid to give as much as you can afford than how can a judge take any more off you!!! its when people ignore the problem that tend to get judgements against them!!! please try not to worry it will come together just remember to stand firm and dont let them intimidate you!!! got a thread i want you to have a look at jan its a good in sight into how debt collection agents work.. will find thread and post below!!! Inside a DCA! debbie xx

hi jan did they actually reply to your letters or are these letters you have recieved just "why havn't you paid"? if they havn't acknowledged reciept of your letters then you need to send again but mention that you have had no reply and tell them you have already wrote regarding this matter but got no response!!!!! the next step would be letter D in the list of templetes but this is for when they have REFUSED your offer!!! i would wait a little longer to give them chance to reply!! they will always try to contact you by phone or tell you that you "MUST phone this number now to resolve the matter" keep writing to them but never talk to em on phone!!! i always use the "since recent sercurity breaches" as reason for no telephone contact, you never know who you are talking to!!! they have to confirm who you are before they speak to you, my answer is "whats your date of birth and can YOU confirm your address" if by any small chance they actually do (which i very much doubt) then say o.k i will have to confirm your indentity before i speak to you, thank you good bye" great fun!!!! NEVER get wind up by them, be nice!!! also have you included your income and expenditure in first letter sent??? if not do it now!!! and did you send the letters recorded?? debbie xx

hi jan in my experiance if you talk to any of them on the phone all they try to do is get money out of you!!! so in answer NO... also nothing can be proved should this go to court... and belive me they try to claim you have "ignored them and not made an effort to resolve the problem" so always correspond in writing...not sure re next step just gonna bath kids then i will give your thread a read and see where you at!!! debbie x

cheers for that love will do!! debbie xx

o.k love will do thanks very much and will let you know what happens... when we work it out it looks like could be £12 late payment fees over 4 years.... and DCA fee!!!! but cant be sure.. what i dont understand is why they wont send owt out!!! if they have the statements then what they got to hide??? also mum hasnt recieved a default notice!!!! debbie xxx

hi there 42man no not done anything in writing yet i have been through the bank charges thing and know the procedure for that! will this be the same? wasnt sure what to do cos its slightly different and wanted to check first, so SAR first then???? debbie x

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