Ok thanks I will do that and keep you updated!

Thanks everyone for your help do what should I do next, email them back quoting the consumer rights act? And if they still say no, who do I take it to?

Hi I bought a mattress 2.5 years ago which had a five year guarantee.(£270) The springs have gone on one side. I emailed the place I bought it from who passed on the complaint to the manufacturer. we sent a photo of the sagging and told them we have regularly turned it, which we have. They sent sent an email saying "they do not believe the mattresses has been kept in accordance with the guidelines and will be taking it no further" as far as we know we have followed all the guidelines and rotated it regularly. Is that the end of it now? We thought it would last a lot longer than this and and very unhappy about it. Any help appreciated! Thanks Nic P.s it was bought via eBay using PayPal with a debit card.

Hi, now being sent letter from "clarity" debt collectors, telling me to contact them with an offer, or get onto a payment plan. I havent replied to that one yet, but I just got an other saying I've got 10 days before they start legal proceedings, unless I contact them and arrange to pay. should I reply as I have to the others stating they have no credit agreement? Everytime I tell them this they pass it on to another agency!

Just an update, now recieving debt collection letters from clarity pay

thanks!

Hi both my sister and dad have received tax underpayment letters, one for £900 and £600. They were both made redundant not long ago, my sister gets jobseekers and my dad lives off a small pension. Can they claim hardship and have the repayment held off for a bit, or spread over more years? as they are struggling on what they get now, I cant imaging how theyd manage if they get money taken off them. If they can do this, is there a special letter they need to send or can they just ring up?

Thats what I thought but I read about someone on here going to court with no agreement and they lost.

thanks! I got a letter today from hsbc saying as far as they are concerned it is a legal agreement and they have complied with the law in regards to SAR. They also state that they "have the right to exercise options available to them under the credit agreement" the agreement, they dont have! I was getting a bit worried, what are they likely to do now? They seem to keep threatening me with court, then once past the deadline, they pass it on to somewhere else. I will have a read of other threads to see what is happing with other people.

nobody?

Just got a letter from "central debt recovery" in response to the letter I sent to metropoliton, basically saying the FOS ruled in their favour that they had done all they can to find the agreement, therefore I must pay the total amount now. I still have no agreement, they say they do not have it. The FOS said HSBC forfilled the requirements by sending me the terms and conditions, and said I should pay because although there is no agreement , there must have been one at some point. I didnt even ask FOS opinion on this part, they just chipped in with it. I appealed to the FOS and they said the same thing, but mentioned that it is for the courts to decide about enforcability of an agreement (which agreement is this then?) I dont see how a court can just assume there was an agreement and then assume all the details on it. Central debt recovery said theyre giving me four weeks before theyll start writing to me again. what do I do now? and who is this central debt? is it HSBC again?

I sent Metropliton and Hsbc a letter telling them I had not recieved a credit agreement. I included the letter from HSBC stating they do not have one, and I reminded them of the law. Today I got a letter from "central debt recovery" stating that the debt has been passed to them and I need to pay the full amount by Aug 1st. So, I take it I should send them the same letter?

ok, I rang but it failed to record properly, you can only hear my voice. Doh. They said they'd sent me a letter asking for a medical certificate to prove I was ill/disabled, I told them I'd not received any letter to that effect. (I don't know what thats all about) they kept asking me how much I could afford and I said, I can afford nothing, I'm disabled and out of work, and I have recieved no agreement, and have been told there is none. They said that because the financial ombudsman had found in their favour, I must have received an agreement. I told them that is not the case. They told me I have to pay a certain amount of the debt(most of it), I said no,not without an agreement and please inform me of anything else in writing as I find it too stressful to talk on the phone. They said ok, but I might still get calls (how, when they dont have my number?) and they will pass it on to (can't remember what they said they'd pass it to) Ill send them a letter together with the letter from HSBC saying they have no agreement, (which I've already sent them) I can get a medical letter, but why I should send one, and to what benefit that would be I don't know.

Can you please give me a rough script of what I should say to them when I ring tomorrow? I don't want to say the wrong thing. thanks

lol I don't know, should I tell them?

Thankyou, If I ring them I'll do it via skype so they cant get my number and I can record it.

Got a letter from DG today saying I need to ring them urgently within 48hours or it may be impossible to avoid legal proceedings. Do I just ignore this?

Thanks Mike, so should I do nothing from now on? Or should I keep replying to them telling them to get lost?

Thanks so do I just do nothing then? Or should I send another letter? You say without an agreement it can't be taken to court, I read on here that someone without an agreement went to court and lost :?

any update on this? I'm pretty much in the same boat!

Hi again, I sent off my letter and now I've got a letter from D&G solicitors acting on behalf of HSBC, who say I have 14 days to pay the full amount or they're going o take me to court. Any advice on what to do now?

Thanks JM Ill add that to my letter. I did make a F&F offer to HSBC a while ago but I did state on the offer I still did not acknowledge the debt and was offering this to put an end to all the stress and that the money offered was an offer from a family member, not from me. (which was all true) I don't know if that makes any difference. I would be happy to settle with a F&F if they accept just to shut them up. I made the F&F offer before I found out they did'nt have an agreement. Ill make another offer and also use your letter above thanks for your help, Ill let you know how I go on. Upferret

Hi, another update and request for advice please! The FOS got back to me after my complaint letter, still saying although the bank had some "administration" problems with my SAR, I still owe the money and I should still pay it, (even though this was not what I was asking) and it is not for the FOS to decide if the agreement is legal or not. (there is no agreement) and the bank had complied by sending me a copy of the agreement for my records (how can you copy nothing?) So today I have another final demand letter from metropolitan collection agency threatening me with balifs/court action if I do not pay the full amount. I was thinking of offering them a full and final settlement, I had already offered it to HSBC but they didn't reply, I don't think they even read that part of the letter to be honest. HSBC have said before they would be willing to accept a lesser amount. How much % would be an offer that they would be likey to accept? Thanks Upferret

Hi hotdog, what do you mean by nervous? I got a reply from the fos saying I had missed the deadline but they are willing to look at any new information on the letter I sent. I already sent them all correspondance, but I got the impression they didnt really read it. The CC account has been removed from my online banking acount where it used to show up, I dont know if it's on my credit file still. I guessed this is because its been "passed on" to HSBC's debt colletion agency.

Thanks JM Ill add that and get it sent! Ill let you know of any reply.