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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Joeywasmybudgie

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Joeywasmybudgie last won the day on November 9 2012

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  1. Joeywasmybudgie
    Indeed Donkey, it certainly is about more than compensation. Clearing up the credit file is important. My husband works on contract basis and has in the past needed to be security cleared, and may again in the future and I'm not sure how a messy credit file would be viewed.
  2. Joeywasmybudgie
    Thanks dx Whatever happens, we've decided to let the FOS decide. We've sent them a copy of everything so fingers crossed it'll be brought to a conclusion soon enough.
  3. Joeywasmybudgie
    I told everyone.... FOS, OFT, ICO, Trading Standards re MacKenzie Hall.... pretty much everyone I could think to complain to... I did. See..... dog with a bone
  4. Joeywasmybudgie
    Thanks 42man I have been a bit like a dog with a bone! I'll make sure that they agree to never pursue us again & clean up the credit file.
  5. Joeywasmybudgie
    Thanks UncleB - I did think that might be the best idea, I'll see what the adjudicator has to say.
  6. Joeywasmybudgie
    Well chaps - this is spookier than a very spooky thing. After hearing nothing for ages, I arrived home from work yesterday to find a recorded delivery letter from Capquest, apologising and offering £250 compensation. Not sure what to do, accept their offer or leave it up to the Ombudsman to make a ruling? Any thoughts? Thanks
  7. Joeywasmybudgie
    :rofl:The pirate budgie!
  8. Joeywasmybudgie
    Just to update you all, after many months, we now have a FOS adjudicator looking at the case. We've not heard a dickiebird from Capquest but I know the FOS has been in touch with them as we've had copies of their correspondance. I'm quite looking forward to seeing McKenzie Hall get a good slap for their part in all this, not to mention Capquest. I'll update the thread once I have more news. Thanks again to everyone for their help on this
  9. Joeywasmybudgie
    Thanks hellbitch mot.... oops, I mean Donkey
  10. Joeywasmybudgie
    Thanks 42man - thats really helpful. You too Donkey! Sorry for the delay in replying - I have a small baby I'm trying to juggle along side all of this.
  11. Joeywasmybudgie
    I just wasn't sure if I could trust them to not take further action but I understand your point. Thank you
  12. Joeywasmybudgie
    Should we carry on with the application to set aside or trust that Capquest won't do anything further?
  13. Joeywasmybudgie
    Hi 42man - I'll send it all to the OFT. The SD is in Capquests name. Lowell didn't issue an SD - after much tooing & froing they eventually agreed the debt was not ours and paid us £50 compensation for the "inconvenience". My OH cannot remember ever having a HBOS account which is why we fought it so hard with Lowell,
  14. Joeywasmybudgie
    Morning everyone! Well on Saturday morning my OH and myself sat down to look at the final wording for the Application to have the SD set aside (following on from the fantastic info given above! Thanks again, everyone!) And in the post, this arrives from Capquest.... "Dear Mr Re Statutory Demand Thank you for your letter dated 18 May In the first instance we can confirm that the Lowell Group letters that you have provided us with do not show which HBOS account they are referring to. In order to ensure that the account Lowell Group refer to is the same as this one, we require the HBOS reference number for that account. Please provide us with this information. In the meantime we can confirm that no further action will be taken with regard to the Statutory Demand that you have received. You can consider the Demand as a nullity and as withdrawn. It will not be necessary to apply to the court to have the Demand set aside. This will allow both parties time to enter into dialogue to resolve this matter without an attendance at court. Please be advised that we have passed your correspondence onto the relevant department to deal with the other queries raised in your letter and a response will follow in due course. Yours faithfully." Any comments?? Thanks as usual Have also posted this in my original thread in the debt subforum.
  15. Joeywasmybudgie
    Morning everyone! Well on Saturday morning my OH and myself sat down to look at the final wording for the Application to have the SD set aside (following on from the fantastic info given above! Thanks again, everyone!) And in the post, this arrives from Capquest.... "Dear Mr Re Statutory Demand Thank you for your letter dated 18 May In the first instance we can confirm that the Lowell Group letters that you have provided us with do not show which HBOS account they are referring to. In order to ensure that the account Lowell Group refer to is the same as this one, we require the HBOS reference number for that account. Please provide us with this information. In the meantime we can confirm that no further action will be taken with regard to the Statutory Demand that you have received. You can consider the Demand as a nullity and as withdrawn. It will not be necessary to apply to the court to have the Demand set aside. This will allow both parties time to enter into dialogue to resolve this matter without an attendance at court. Please be advised that we have passed your correspondence onto the relevant department to deal with the other queries raised in your letter and a response will follow in due course. Yours faithfully." Any comments?? Thanks as usual Have also posted this in my original thread in the debt subforum.

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