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Gallen

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  1. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. Hi guys, I beleive tat I was mis sold PPI by Egg during 2004 on an Egg Credit Card. I have phoned today to instigate a complaint - however I get a number to call transferring me to Barclay Card. On speaking to Barclaycard, they tell me that the account that this relates to was not a Card "bought by Barclays", and to speak to Egg. I can not get through to Egg. Is this a common situation? What can I do? Any advice greatly appreciated. G.
  3. (Sorry about this weird formatting of my posts - seems to be going in a single paragraph for some reason???) Yes it could be interesting. Basically: - I have been charged money for something that was illegally sold to me - I have then been subject to charges (seemingly uncapped and un-regulated amounts) by the same bank for not having this money, which has caused me to go overdrawn and incur more charges (and repeat). If I illegally took £100 of someone , could I then charge them for not having £100? (charge them interest for not having it, and charges for going over -£100)? They have to refund the money I paid. They should be forced to return the charges they took for me going overdrawn, simply due to me having a loss caused by them. Had I not been mis-sold this policy, I would have had the money to stop me going overdrawn and being charged for this pleasure. Would anybody have any advice on how to begin this claim to recover consequential losses? Thanks, G
  4. Hi Conniff,I repaid the PPI in full on settlement of my Loan.I never missed a payment. I also incurred an early repayment fee for the PPI.They have agreed to refund in full for the Mis-Sold policy including the early repayment charge plus interest.The issue I have is that had they not taken this money for the mis-sold PPI, I would have not incurred unauthorised OD charges (etc) as I would have been in credit by the amount of the PPI.I do not think this is unreasonable.For example, they unlawfully take £1500 from me - then they continue to charge me for being £1500 overdrawn, meaning that their charges then force me to increase my OD etc to encompass the charges.G.
  5. Hi BankFodder Thanks for your response. - This relates to Lloyds TSB. I have not signed anything in terms of accepting any refund as full or final payment.G.
  6. Hello everyone, I was mis-sold PPI.I instigated a complaint and this has been looked in to by the bank. Around 5 weeks ago I recieved a letter from my bank explaining that they are refunding me all of the payments made by me to this mis-sold ppi policy (taken out circa 2000). This totals around £3500.(There is still no sign of payment nor the cheque they have promised -that's another issue). Anway,Since the time of this policy I struggled to keep on top of my bank account because "charges" and "fees" imposed by the bank caused me to go more and more overdrawn - meaning that I had to keep increasing my overdraft to encompass them and stop futher charges. The question I have is this: Is there any way that I can claim back the charges from the point of a "Consequential Loss" perspective? i.e if the bank had not wrongly taken the PPI money for the mis-sold policy (including an early re-payment fee of £500+) I would have not incurred these further account charges or had to exponentially increase my Overdraft month after month. I stress that I am looking to approach this from a CONSEQUENTIAL LOSS point of view - stemming from the mis-sold policy (of which has been declared illegal/wrong, hence the assumption of liability admitted through the refund). If I would have had the money in my account there would have been no need for the charges. Obviously the "Bank Charge refund" opportunity has been ruled. This is different as it is purely in relation to consequential losses. Any advice appreciated. G.
  7. Thank you rebel11. I have eventually come to a settlement with the Ins Co. They offered to supply the nearest equivelant which is a Bosch 845T14E from Argos. Thankfully I had spoken to Neff yesterday and they had told me that the nearest equivelant was the Neff t42d85x1. I argued that this is the most appropriate as A) its a Neff and B) the only difference is the position of 2 of the buttons - and therefore HAS to be the nearest equivelant as it is not a bosh which is totally different! I have now had the go ahead to buy the replacement NEW hob (Neff t42d85x1) and they are paying me for it on reciept of the invoice, less £50 excess. I am paying to have it fitted - and it's being delivered on Friday Thank you. G.
  8. Hi guys, Hoping for some advice here pronto. Cut a long story very short, due to an accident on Sunday I've ended up with a smashed Neff Induction hob (heavy telescopic cooker hood shroud fell on it). I have had the hob less than a year and love it. Obviously have to claim for this one so I have spoken to my insurance co (Kwik Fit) who pass the claim to Royal Sun Alliance. I was advised by RSA to contact Neff to find out the price of parts to repair the hob. I exhausted myself doing this, yesterday morning. Anyway the price came back to a shade under £360 - for new glass, engineer fitting etc. This is just the glass - who knows whats damaged inside? However - They (NEFF) can not get the part in Germany until 20th December at the very earliest. On top of this it THEN has to come to the UK which I am advised by them "usually" takes 1 week (however with Christmas / New year etc they cant guarantee this). Once it is in the UK they would then arrange an engineer and this wouldnt be until the couple of weeks or so in January. - Once the engineer has looked at it (armed with new glass), if he then finds any more damage inside for example he will have to order more parts and the process starts again. Anyway - I have spoken to insurance company - and am happy for the unit to be repaired if it can be done within a reasonable time. They suggested sending one of their repair firms to look at the hob (no probs with this - its sitting there in all its current glory) but they cant send anyone for a couple of days, so I am told... Anyway, I paid my £50 excess and they have insructed EVS (their Comet engineers) and am told that they will be in touch "within a few days". Anyways... move on a few hours yesterday and I duly recieve contact from EVS. The lady I spoke to asked for some photos of the Hob which I sent last night with covering info (time taken to get parts etc). I recieved a call from them earlier today having seen the photos and having made enquiries to parts with manufactrer etc. They advised me that they had spoken with Neff and in view of everything (photos etc) they have reached the same conclusion as myself:- - Both Comet (EVS) and Neff have determined the Hob to be BER - Beyone Economical Repair. ...With this in mind, they (Comet/EVS) do not think it acceptable to be without a hob for so long and taking in to account the pictures I sent and damage, they have advised the insurance company that they would replace the hob like for like. Great stuff? Not the case. On speaking to Royal Sun Alliance today - and taking in to account the insurance companies' own appointed engineers have determined (along with the manafacturer, I should add) that the Hob is infact BER (Beyond economical repair), the insurance company (Royal Sun Alliance) know better - and do not agree with this. They still want to press ahead with a repair (even though it will be Comet who repair it - even though Comet have said its not economical!!!!!!). Comet's try torepair within 14days. Apparently the insurance company say that there is no "reasonable time" allowance in which they have to do anything at all. I do not think that a wait of 4 weeks is acceptible - especially since it has been written off by their own engineers. I have been in touch with the Insurance Ombudsman who has given me a reference number. I have asked for a copy of Royal Sun Alliance's complaints procedure but the phone operator didnt want to give me this - saying that they have until 5pm tomorrow to reach an ammicable agreement. I asked again for a copy of their complaints procedure, but have been declined a definitive answer on if they are sending it to me or not - and now I am awaiting "the most senior member of the department" to phone me back (when - I don't know). To add insult to injury, we are booked in to have new quartz-worktops fitted this coming saturday which is typical (as the hob has been fitted in to a temporary worktop over the last 10 months) and so we need something to be here so that htey can cut and fit etc. We need the hob for then or we will have to pay the company a fee if they cant fit (its been booked for weeks). Additionally, and most importantly my girlfreind is pregnant and we are expecting our first child. This is really stressing her out and needless to say, this is dangerous for the pregnancy as is lack of cooking facilities (food poisoning risks etc). I am genunely left with no cooking facilities other than an oven and the insurance company telling me that they are only obliged to return me to a position I was in without having to take time in to account. Any advice greatfully appreciated. G.
  9. Hi everyone, I have been hearing and looking in to the "Financial Hardship" exemption from the bank's current stance of a hold on all claims (I have had a claim for bank charges on hold with LTSB for around 18 months, possibly more). I have a couple of questions re: Financial Hardship - please advise if you can? OK, To meet the Hardship criteria (as I understand it), it says that you must have had at least £500 worth of charges in the last 12 months. Question 1: - in my main LTSB account, I am expecting that I will fulfill this requirement at the end of this month, after this months charges come out. - Had I known about this during February 2009, I would have easily exceeded the £500 min charges rule and then some, as I would have been able to go back to February 2008 but as a fail safe, is there any way to take this into consideration - especially as the bank never informed me of the financial hardship possibility? (no suprise but there you go!) Question 2: Does this £500 qualifier apply PER BANK ACCOUNT / PER BANK, or is it £500 "in general":? For example if I were to tally up charges from my main account and then add charges from our Joint Account (which is with another bank) would this be allowed? This callaborative total would easily be greater than £500. (....Basically, does the £500 qualifier need to be formed from charges per account or per bank, or is it (hopefully) in general? Question 3: From the Money Saving Experts page... I think I may meet this criteria - it is commonplace for me to require to increase my overdraft regularly to avoid more charges, or to cover charges coming out. I have increased up to £2800 now, and it's way beyond a joke. Most months I need to add another £50 just to avoid charges from charges. Finally, my partner and myself bought a property during December 2007. I paid off all my debts and overdraft with the equity from my old property and we took out an interest only mortgage with the plan of "overpaying" in order to pay off the loan. - Because of the charges we have had, I have never managed to over pay my minimum payment at any time. With the property market as it is and prices having dropped, I am worried that we have not been able to action overpayments that we initially intended (and possibly have negative equity). Please advise - it really is appreciated. Thanks.
  10. Today I recieved another eMail from the branch manager. I'm pretty pleased really: Hopefully this should get it sorted now... I will wait and see?
  11. thank you - I have instructed my bank to refund under the d/debit guarantee and they are proceeding. Even though I read out the guarantee, they still kept saying that they have to speak to Fitness First. They said they will probably make a payment within 48hrs to my account, but as I understand it, if Fitness First contest it then I may end up having to pay it back! I spoke to F/First Customer Services again, and told them I have no other choice but to do this. The lady said that it was fine to proceed. However, they said that until they recieve confirmation from the branch manager (who I can not get in touch with - not returning calls or eMails) they will not process a refund from their end. Again I said about having eMails to confirm but not too interested. I'm getting the run around! Additionally, I really do not see why I should have to be bound by this as my initial contract was for 1 year. This expired some years ago. I do not see how they can be like this and get away with it.
  12. Possibly I will have to look... I also have an eMail from the club manager stating: ...so liability isn't the issue.
  13. Thanks for the advice - The part in the D/Debit Guarantee is: The worry I have is that they are saying I still should be paying. If I Claw back money, then will this cause further problems? Gallen
  14. Hi there, I signed up for a years membership during around 2005 (from memory). I kept up the membership after the initial year expired. I never re-newed anything, but the D/Debit kept coming out. I continued using the Gym until around 2007. Having stopped going to the gym, during April 2008 I went in to cancel the membership and filled out the "Departure Request Form" as required in order to end the membership (they make it very difficult for you to leave). I was told that my original membership agreement stated that 1 months notice was required to end membership. This would have meant that I need pay for May 2008 even though I was not using the gym, nor had been for ages. It also seemed wierd because I initially agreed to a 1 years membership, and this is what I has signed up for. As this 1 year had expired a long time ago, I find it strange to be tied in to anything else... anyway........ I updated my contact details for confirmation of termination of membership, and I left my D/Debit open. It was collected in May as usual. I still had not used the gym and had not for months. Last month (October/November) I noticed that the D/Debit was still being taken. I contacted the branch manager via phone and explained what was happening. I asked him to copy me via email to confirm the result of our conversation which he did ans is as follows: I also asked if it was safe for me to go ahead and cancel my Direct Debit, to which he replied: I have not recieved refund and now I have recieved text messages and phone calls saying I owe money as I had not cancelled my membership by filling in the form. I explained the situation, and now even emails to the manager are no longer being replied to. Please help - What can I do & where do I stand?
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