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looking4advice

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Everything posted by looking4advice

  1. looking4advice
    Thank you nystgmite. Since the judge has not quoted any laws in his judgement, surely it gives them a reason to appeal against his decision? Also what happens now?? What's the process from here onwards? Can hmrc say they won't pay due to tribunal not able to inforce their decision???
  2. looking4advice
    Hi everyone, I have some question regarding child tax credit (CTC) and would be most grateful if you could help. Going back to oct 2013, I appealed against a decision where HMRC didn't pay the disability elements of our child's tax credit for 1 full year during oct 12/oct 13. My child at the time was on high rate care and mobility. After a lengthy battle, my appeal has been accepted my the tribunal judge in my favour. It was my first time at the tribunal, so I was extremely nervous. In fact I was that nervous, I forgot to ask what happens after the appeal. This is what the judge has written in the appeal letter:- DECISION NOTICE 1. The appeal is allowed 2. The decision made on 01/10/2013 is set aside 3. The tribunal is satisfied that the appellent did notify the Tax Credit office of the reinstatement of his daughters DLA on the 14th of Dec 2012. The enhanced payments including the severe disability element should be reinstated from then. For now I have a few questions:- 1. The letter states that the tribunal has no powers in enforcing them to pay, so how does it work? 2. Can they still appeal against the judge's decision or are they not allowed? Thank you
  3. looking4advice
    Your correct, but this is clearly a known problem that the manufacturer is aware of? Onkyo are in the UK too. The seller never kept the receipt, although he told me he bought it from Richer Sounds. What if it was a second-hand car that someone bought and suddenly the manufacturer has found a fault with brakes? They would do a recall no matter where someone has purchased the car from.
  4. looking4advice
    Thank you conniff - I got the amp and accessories WITHOUT the original receipt as the amp was already over 2 years old and the original owner had thrown his receipt away. I do apologise, but could you please explain which bit of that link I'm supposed to check? FYI, Onkyo provides a 2yr warranty, but since the known "NO SOUND" problem has happened, they have changed their policy to now extend that warranty to 2018 - BUT ONLY for customers whom have bought from their authorised retailers. I think this is unfair because why should any customer lose out when the fault is of the manufacturers?
  5. looking4advice
    He was a private seller. But if Onkyo are providing a special extended warranty for all those who have purchased their product via an authorised dealer, surely they should extend that to most customers? ....especially when they are aware that their product is KNOWN to fail due to their faulty component? The amp is only 2-3yrs old MAX and I'm sure under the Sales of Goods Act, electrical items should last around 5 years or so? http://www.uk.onkyo.com/en/customer-service-program-118747.html
  6. looking4advice
    Anyone? BUMP!
  7. looking4advice
    hi everyone, I bought an Onkyo TX-NR609 amp on ebay 6 months ago. It's been working fine, but now it's developed a fault. The item being used is out of warranty and I don't have the original purchase receipts other than ebay prove of purchase. After some research I found that so many people have complained about this common issue, that onkyo have decided to extend the warranty and allow people to send the goods back to them to get repaired/replaced. My problem is that onkyo are asking for original receipt of purchase from an Authorised Dealer, otherwise they are not willing to cover their product. Surely it doesn't matter where you purchase it from? After all the fault is with the manufacturer's product, so how come the customer is losing out? What can I do?
  8. looking4advice
    Just to update you guys, today I've posted the letter to Cabot. Now I know you said it's a waste of money sending via Recorded Delivery, but I did it just for my peace of mind. Thank you again and I will let you know if I receive any further correspondence.
  9. looking4advice
    Thanks maroondevo for clarifying that.
  10. looking4advice
    Really sorry bazooka, I said that totally wrong ....I meant I don't want to do a signature....can I simply type my name without a signature? Sorry again
  11. looking4advice
    Thanks Bazooka. I shall do this first thing on monday. One last question....Should I sign the SB letter or just digital print the name on there? ...Just a bit paranoid .
  12. looking4advice
    Just to let you guys know, I have now emailed Cabot with the SB letter. Being weekend, I plan to post a recorded delivery letter on Monday too.
  13. looking4advice
    Thank you numbers666 and Bazooka. I will do both methods of emailing and hard copy as recommended. Just FYI the letter link you've given is exactly the same as the one National Debtline. Thank you to everyone for helping me as I'm ever so grateful. I will let you know if I hear anything back from them.
  14. looking4advice
    Thank you dx and slick132. I'm happy to send them a statute barred letter via their email address...This way it doesn't cost me anything and is a record too. Just a couple more questions:- 1. If I send them a statute barred email, what if they start bombarding me with letters/emails as Ashmk said? 2. Am I okay to use the statute barred letter template from National Debtline?
  15. looking4advice
    Thank you Bazooka and dx100uk for your replies. @ Bazooka - Glad to hear that they can't do much. The barclaycard I had was around 2002 or earlier and the last payment/contact made was around 2004 at the very latest, so yes it is statute barred. @ dx100uk - yes they are writing to my current address, but the address the credit was taken out on was different...since then I have changed around 8-10 addresses. So what would you guys recommend? Shall I write a statute barred letter to them? If so, what if ashmk is right and they start playing letter tennis?
  16. looking4advice
    My worried for sending no response are:- 1. They keep doing a check which show on my credit file for other lenders to see 2. They apply to county court for CCJ 3. They put a charging order on my property
  17. looking4advice
    thanks ashmk. Should I send them a statute barred letter/email? If so, is the one from National Debtline okay?
  18. looking4advice
    Hi guys, I've received a letter from Cabot Financial, regarding a Barclaycard debt. They are asking for 10% of the debt of £3500 as a final payment to close account. I'll be honest and say that I don't remember clearly, but I believe this debt is very old, i.e. around 10yrs or more. I don't have anything showing on my credit files, so could you please advise what I need to do? Thank you.
  19. looking4advice
    Just spoken to several advisors on phone. One complaint handler is saying that there is a national IT issue, yet the rest are saying they don't know what she is on about. Now I raised this with the complaint handler and she simply became very aggressive and said that either I accept her resolution and wait (months on end if necessary) or she will simply close the complaint with a final resolution. I have now lost the rate of 3.19% for 4yrs as halifax is now showing as 3.34% I'm wondering if anyone has a contact that allows me to get to a higher level person who could look into this???
  20. looking4advice
    Thank you for your reply fkofilee. Since posting on here, I have already made a complaint. Here is the issue...the advisors are suggesting different scenarios for the problem, such as wrong details entered, account locked out due to too many tries and possibly a major IT issue. I haven't got a concrete answer and I'm worried I might miss out on the current offered rate and term available if this does not get sorted quickly. Is there anyone else with halifax who is having the same problem as me on here? How can I definately find out what the real issue is?
  21. looking4advice
    Hi guys, I have a big problem with my Halifax mortgage. Today I should be able to switch my mortgage online, so I went to:- https://secure.mortgages.halifax.co.uk/mortgage/mortgage_switch.asp but when I tried, I got a message stating:- After contacting various mortgage servicing/products transfer teams, they checked and confirmed that none of the mentioned issues applied to me and could not tell me why I could not move forward. I was passed onto various different people in many departments and I got the same answer that they don't know. Their final answer was that this is an online issue, therefore I need to speak to the online team or the other option. So I rang the online team and all they said that if I could login online then it's not their problem and only the mortgage team can look into it. I'm going insane here as I'm being just fobbed off and have spent hours on the phone. Halifax don't have any online support for those who simply want a non-advised switch to a different product and are forcing me to go down the advised route, which I don't want to. Is there a chief executive number that I could call directly and see if I can get anywhere? :???: Regards
  22. looking4advice
    Thanks, but how do they/will they calculate if I am better off?
  23. looking4advice
    They've already told me that it's £500 penalty or 2 percent of outstanding mortgage
  24. looking4advice
    I've just checked it and it clearly states the date... How could I have been so stupid I'm wondering... How can I calculate if it would be beneficial to cancel the product and pay the penalty fees.. Can anyone help me please?
  25. looking4advice
    Hi renegade and Lula, Thank you for your fast reploes. I asked the lady and she said that it clearly states the product end date on the kfi and unfortunately she's right it does! But she did say it was a bit odd. I'm not sure about a reason why letter...nor do i remember it. But if you are told it's a 2yr deal and you take it out in may 2012, then surely it should come to an end in may 2014? ...otherwise how can you call it a 2yr fixed deal?

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