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P128 ORACLE 128 Sun12 May ITV 2051:04  1/5   Don't suffer - write to the experts! Do you have a problem? Need advice? Then consult our experts: Jane Ford (sexual), Sarah Howells (beauty), CAB (general), Dr Susan A. Price (medical), Andrew Strachan (dental), Jenny Randles (paranormal), Paul Lewis (DSS), Chris Jolliffe (careers), Tony Nayager (legal), Jill Colville (child problems/bereavement). Write to Problem Panel, ORACLE, 25-32 Marshall Street, London W1V 1LL. No personal correspondence. A reply cannot be guaranteed. A problem > → Live At 5 Guide 120 Five Live 129 Read Park Avenue every day! 126 Five Live Stars Sport TV Guide
P128 ORACLE 128 Sun12 May ITV 2011:35  2/5   DOUBLE GLAZING TROUBLE...1 Dear Mr Nayager, A while back, I ordered some double glazing from a local firm and paid a deposit. I was told that the firm would return the deposit if the work promised wasnWt carried out and that the firm was a member of the Glass and Glazing Federation. The firm has now gone into liquidation and the Federation wonWt return our cash. It's offered a voucher to set off the costs of using another firm. Do we have to accept this? LD, Swanage more > Live At 5 Guide 120 Five Live 129 Five Live Stars Sport TV Guide
P128 ORACLE 128 Sun12 May ITV 2011:06  3/5   DOUBLE GLAZING TROUBLE..2 Dear LD, You are lucky in that, unlike other people who have entered into contracts with double glazing firms who have become insolvent, you are at least getting something - if only a voucher! When a firm becomes insolvent, the law sets out the order in which creditors, of which you are one, are paid. Persons with priority are those with some security, like a mortgage, and the Inland Revenue. Bottom of the list are those described as unsecured creditors. more > Live At 5 Guide 120 Five Live 129 Five Live Stars Sport TV Guide
P128 ORACLE 128 Sun12 May ITV 2051:12  4/5   DOUBLE GLAZING TROUBLE...3 Dear LD, (continued) In the first instance, find out from the Federation, who the liquidators are. Ask whether there is likely to be enough money left over to pay unsecured creditors. If not, ask whether deposit funds were paid into a special account. A court case a while back involving a mail order company, said that where deposit moneys were paid into a special account with the express purpose that they were returned in the event of insolvency, that money belonged to the creditors and not the liquidator. more > → Live At 5 Guide 120 Five Live 129 Five Live Stars Sport TV Guide
P128 ORACLE 128 Sun12 May ITV 2021:05  5/5   DOUBLE GLAZING TROUBLE...4 Dear LD, (continued) If none of this bears fruit, you'll have to settle for the voucher. It sounds like a measure of good faith on the part of the Federation to protect the good name of its industry. Telephone firms on its list to find out what they will charge. If it's too much, try contacting other firms and if their costs are less, see if the Federation will allow for this. I canWt see the Federation has an obligation to pay you a sum of money equal to your deposit. Tony Nayager start > → Live At 5 Guide 120 Five Live 129 Five Live Stars Sport TV Guide