Hi, We're renting privately at the moment and our boiler broke on the 18th of January 2019. We informed the estate agent who got an engineer out on Monday 21st January 2019. He informed them and our landlady that the boiler needed replacing and subsequently gave them a quote to do the work. We were then informed on Friday 25th January that our landlady wanted another quote done, so it took her 3-4 days to decide she wanted another quote, this doesn't seem reasonable to me? Surely she should just get a few quotes done as soon as she knew the boiler needed replacing. This second quote was done on Tuesday 29th January and as yet we have received no update about when the work to replace the boiler will begin, which is all I have been asking for as I know it'll take several days to replace but we're now heading into the third week without a boiler in the middle of winter, with a 2 year old child, and I really don't know what else I can do. I've asked for a rent reduction as we've not been able to stay at the property but I've not even had any response back for that, even when I've asked the estate agent to chase the landlady about it. This is the second time in 2 years that this has happened, the first time we had to move out of the property for about a week as it was the middle of winter. It just feels like trying to get blood from a stone when I have to chase the estate agent all the time. The landlady hasn't been in touch once to let us know what's going on.. We've been here for 3.5 years and always paid our rent on time (£915 per month), caused no problems and this is the thanks we get. Luckily we're moving out in a month so I think she is delaying it because of that? Good luck to her trying to rent out the property with no boiler then..

I purchased a Nexus 10 two years ago this December and I am now on my fourth device. The 2 year warranty is almost up and I have developed another fault with the one they sent me 3 days ago (Headphone jack isn't working). Previous issues have been intermittent wifi drop outs, and slow charging. This is becoming a bit of a joke now. It's got to the point where I've not really used my device extensively and hence haven't had anything stored on the device because of the constant wipes and reset to factory settings etc. The first 2 replacements were brand new however the latest one was a refurb. I'm not really sure if I have any ground to stand on here? I need to call them tomorrow or Monday but can I demand a brand new device from them this time instead of a refurb and just hope for the best after the warranty expires?

I lost a case recently and the Judge ask me to pay within 14days. Who register people on the ccj. Is it claimant or court? When is the deadline to avoid ccj? Cheers

My car was - shall we say - taken roughly from behind by an Audi in January, it was a write-off, the attending policeman on the night said so, indeed; agreed with me that it was so. Aviva - for it is they - wanted to take the car from Andover to Poole, to be looked at, I had instruction from Andover police (Whichurch Roads Division) to hold on to the car, until the investigation had been completed, I explained this to several women in several telephone conversations, only to have them ring me the next day (or later the same day!) with a "Mr W******, we believe you are ready to have your car collected?" This was the call centre in...wherever? Mumbai? I was in Andover for a training course, when that came to an end, I drove the miserable vehicle 40-odd miles (no one had told me not to!), while it made a noise like a Stalwart and any police who passed me on the M3 managed to look the other way! It came to rest in my Mothers drive...and is still there! I then went to my broker (A-plan in Newbury - it was by now March) and they tried to get things moving again, I kept offering to send photographs of the fold across the roof and the wheel-arches 2mm from cutting the tires, or suggesting it would be a lot cheaper to send someone out with a camera or smart-phone to take photographs (the police having still not cleared it for removal). More idiot calls with people on the other side of the world (Aviva (India)?) ensued with no one being able to understand that A) the car could not be moved, B) was clearly - to a half-wit with one eye - a 'write-off', and C) I was getting very annoyed. Another intervention by A-plan resulted in another request for the car (now 40 miles further away from Poole) to be taken to..er...Poole. I wrote the first of several complaint letters to all parties (Aviva, A-Plan and the garage in Poole who had by now falsely [in my opinion] accused me of not communicating with them when their internal phone system seemed shot to pieces). Someone from Aviva (UK) - who I won't name yet (but might be naming on my blog with all her correspondence), then agreed that it was all a shocking delay and she would be taking full charge of everything. Over the next few days I gave all the details of the accident/indecent and all relevant facts and personal information to not one but two separate individuals. The same info. I had already given several times to women at Aviva (India), and A-Plan...twice! It was by now May'ish and by some irony the police had released the vehicle. The Irony being that Miss whatshername from Aviva had finally developed the bright idea of allowing me to send photographs to her...which I did! Enclosed; [ATTACH=CONFIG]46480[/ATTACH] [ATTACH=CONFIG]46481[/ATTACH] [ATTACH=CONFIG]46482[/ATTACH] She has never acknowledged receipt of those photographs, nor answered the eMail that they were sent with, I know she got them as I never received a bounce-back while I did receive a 'I'm on holiday' bounce-back to my next letter of complaint - which she hasn't replied to either! The law firm which was by this point dealing with the medical aspect of the claim did get their copy. Now, a third - increasingly exasperated - eMail from me followed the other week, it reported that I had by this point - 8+ months after the accident - discovered that the car is quite rare, or at least the engine is (I'm no petrol-head!), and in discussion with Braydon Motors of Essex (who know Volvos) was given verbal quotes of around £2000 plus for a runner (which was likely to be on it's last legs - I've spent about £3000 getting mine 'right' over the last 3 years), if one could be found (they are that rare), or £1500 for a dead one which could have my engine put in it for around £600 with labour. The car's value with A-Plan being listed at £400/450, based on the old Volvo 940's (it's a 960 model). She finally replied, only in a very petulant manner, three lines, saying the car would have to go to Poole! She failed to mention the other eMails, the photographs and/or her tardiness in failing to reply to them. Meantime, the law firm want me to ring a number no one answers, to get hold of the other parties insurer (UKI/Natwest apparently?) who to date have not contacted me at all. There is more nut that'll do for now! Question for the Aviva person who apparently reads these...What the hell is going on? Questions for Caggers... Can I insist that the verhicle be rebuilt or repaired? Can I go to the Ombudsman without further recourse to Aviva? They've had more than eight weeks to deal with at least three separate complaint letters/eMails. I asked months ago if I should have retained the hire car I had for 28 days, or get another hire car to charge to the other party, I got no answer from Aviva, should I just go and get one and bill someone, if so who - Aviva or UKI/Natwest? I suggested an interim payment back in March, got no answer form Aviva, given my life is half on hold until I get a replacement car, can I request such a thing? Given the difference in Market Value between the original quote (400-450) and the actual market value (2000'ish), can I expect the higher amount? If it gets settled before I die! The girl from Aviva said she'd reimburse my premiums (I paid cash up-front), but reading another thread just now, it's clear that that's not something she could do, and shouldn't have said she could, however, had this all been sorted out in Feb/March (a more normal timetable), I could have transferred a replacement vehicle to that insurance, now it only has a month or so to run, can I claim compensation for loss through delay? Finally - after my last irate eMail, someone from an organisation claiming to be the 'umbrella group' for the insurance industry (CCS or something) and representing UKI/Natwest, rang me about two weeks ago, but we got cut-off, her number was withheld and she hasn't emailed me. She also started to ask all the details I have now given out at least six times. She clearly didn't have my details in front of her and I have suggested in the past that it seems to me like Aviva might be the other parties insurer...trying to offset the purchase of a new Audi by giving me the run-around? Am I being paranoid?

Sorry if the post is a little long, I just feel the need to explain my position and how I have tried in the past to resolve this matter (and how it could have been). I had a mortgage with a certain building society that collapsed. This mortgage was taken out in the 90's. Nearly 11 years ago my marriage failed, quite dramatically and I needed to leave, get away from the destructive relationship. I left and sent the keys back to the said lender. The final mortgage payment that I made to them was also nearly 11 years ago. I then heard nothing until 2007, then I received a letter from said building society saying that they had, "sold by way of absolute assignment my debt to a certain debt collection company". I also received a letter from said debt collection company basically saying the same thing. An amount of close to £20k was said to be outstanding and owed by me, I was gobsmacked by this figure, basically it had arose from the house being sold for only 40% of its value. Got to admit I pannicked a bit, called them up etc and decided to go to the Citizens Advice who, I am sorry to say, werent very helpful. Anyway, I started to think that it just wasnt right, I sent my keys back and they were saying I owed a huge sum to a company I had no agreement or contract with for a debt that existed because they had sold the house at such a low value. (I did some research and over 5 properties in my street had actually sold within a similar time frame for the value that my house was) Even though I thought it wasnt right I did want it to go away and I did feel morally obligated so I made an offer. The offer I made was accepted but they wrote a bit of legaleze at the bottom stating that their acceptance of my offer was without prejudice to their client asking for the full amount. This is the point where I got angry, they were trying to deceive me, basically thinking I was a fool. I sent SARs etc and asked them to show me details of how the house was sold to show that it was done responsibly etc, I also sent the building society an SAR and they sent me nothing, I heard nothing from them at all. I eventually receieved a few photocopied sheets from the credit collection company that showed payments made, ie copies of an account (I could have typed it up to be honest) but that was all I received. I wrote back saying this wasnt enough, I detailed what I wanted, how I wanted them to substantiate how they had come to the amount of money they said that I owed, how when someone gets their car repaired they expect to see an itemised bill, not just an amount. I also told them that I would report the building society to the ICO for not complying with the SAR that I had sent I also sent reminders to the building society about not fulfilling my SAR. Until yesterday I had heard nothing since, today I have received a letter which states this "debt" has been moved on again, ".....debt collection company has assigned all of its respective rights, title and interest to ....the new debt collection company". I would add that there is the usual veiled threat against my credit rating etc, on a nigh on 11yr old debt. Also, they stated that I should treat the matter with the utmost urgency, what, like they have! So, I am a bit unsure of what to do as this is a debt relating to mortgage, the reason I say this is that I know that normal debt, ie credit card, loan etc is statute barred after 6 yrs and that mortgage debt takes 12 yrs. Does this stand when the debt is sold on, I am led to believe that this is the case but would like some help/clarification on the matter if possible. Just to add, I have never made any payment since the last one nearly 11 years ago and I have never admitted liability to this debt.