I understand people make mistakes and i accept that. From what the FOS said they wont offer any compensation.... However i feel something should be offered as a gesture of good will.... But im not holdingy breath

I understand what you are saying, but hypothetically, if something had happened to myself or my partner, there would not have been enough to cover the mortgage as they sold us a decreasing policy and should have sold us a level term policy. I also feel an apology wouldn't go amiss for the upset and distress this has caused and they betrayal we feel after trusting the IFA!

Hi Back in 2006 we took out an interest only mortgage and were sold an insurance policy to run along side it, should anything happen to myself or my partner. The mortgage and insurance were sold to us by an Independent Financial Advisor. A few months ago, we found out that the we had been sold a mortgage decreasing policy instead of a level term policy. After speaking to Legal and General, they confirmed that the decreasing policy was no good for our mortgage, we should have been sold the Level Term Policy. They also stated to put a complaint it, but they could not deal with it because it was not them who sold it. We wrote to the IFA stating we were not happy about being sold the incorrect policy and wanted to know WHY we were sold it and what they were going to do to correct this mistake. A week or so later we received a letter from Legal and General saying they were dealing with the complaint and would be in contact soon. I rang L&G to see why they were dealing with it when I was told they could not deal with it, and was told it had been passed to them and if the IFA contacted us, we were not to speak to them incase they tried to get us to drop the complaint. Around 4 weeks later, we received a letter from L&G saying they admit we were mis sold the policy and to correct this mistake, they could arrange to change the policy to the correct one for almost £20 a month more each month, but they would not get us to pay the shortfall which occurred over the last 8 years!! Gobsmacked is not the word!!! No explanation as to why this happened, no proper apology for this mistake, no apology for the distress and upset we have had for the past few months!! We told L&G we did not accept this and we have now sent this to the Financial Ombudsmen to look into. Have today received a call from the FOS stating they are awaiting further information from L&G and they are not there to punish the company but the possible solution to this would be to swap to the correct policy, at more money each month......... I commented that I didn't feel this was fair as we have been paying a policy for 8 years which is not worth the paper it is written on and basically they said "well if you're only doing this complaint for the money, I wouldn't hold your breath" Its not just the money.... its the principle, the upset, the stress, the thought of paying out dead money for the past 8 years..... Any advise would be appreciated

really? I thought it would be fine to be fair as it has outlined the reasons for the resignation (if she gets this other job of course) Plus, wouldn't know who to send the complaint to because no-one ever responds :/

sorry for the long post

Below is copy of the letter.... it hasn't been handed in yet so any advisable changes would be appreciated (I have removed names, as you never know if the people are on this site lol ) Dear A**** / V**** It is with regret that I write this letter to tender my resignation and inform you I will not be returning due to the reasons outlined below, because I feel I have been messed about since starting with S****** **** in October 2013. 1 When I was first offered the job by G****** I was told that if I wasn’t full time, I would have a minimum of 30 hours a week, but you only gave 12 hours a week. I actually left another job with more than 12 hours a week because I wanted more hours. I emailed G***** regarding this but never received a response! 2 When I was interviewed, G****** was fully aware of my age (20) and I was told my hourly rate would be £6.31 per hour. I was paid this amount for approximately 6 weeks then was told my wage would be reduced to £5.03 per hour because I was not 21. I was therefore losing money each week and felt this was extremely unfair because my age was known at the time of the interview/job offer. Again I emailed G***** and never received a response! 3 When my 21st birthday on 15th December came, I mentioned it in the shop and was told my wage would go back up to £6.31. When I was paid on 20th December, I was paid at the rate of £5.03 per hour apparently because it was the previous weeks’ hours. (surely I should have been paid the £6.31 per hour) 4 When I was paid on 27th December I was again paid at the rate of £5.03 an hour because the Accountant said he was holding my money back because I was overpaid previously. This in my opinion was totally unfair because it was not my fault I was told an hourly rate of £6.31 at interview and job offer stage. Therefore I do not see why I was penalised like this! 5 I texted A***** on 30th December asking if I would get paid for Christmas Day and Boxing Day and she replied stating I would not. I really thought I would get paid because they are public holidays. I texted A*****back saying I had accrued holiday since starting and could I use this for Christmas and Boxing day otherwise I would be extremely short in the following weeks pay. A**** informed me that G***** had stated I had accrued 24 hours holiday so I requested she use 4 hours for Christmas Day, 4 hours for Boxing Day and 4 hours for New Years Day, she confirmed this would be done but not until the following week because it was too late to put it through. 6 I was due to work 12 - 4 (my official hours) on Wednesday 8th January but received a text asking me to go in at 2pm instead. I worked 2 - 5.30 and on leaving was told I may not be required to work the following day and they would text me to let me know. Later that evening I receive a text stating I did not need to go in because “it was quiet”….. I responded asking if they would use another 4 hours out of my holiday accrual because otherwise I would be short in my wages once again…. (through no fault of my own I hasten to add). A**** texted back stating this was ok to use the 4 hours holiday. 7 I again received a text on Thursday evening telling me yet again not to go into work the following day because yet again I was not required! I cannot understand how anyone can judge whether they will be quiet or not the following day? I texted A***** back asking for G******** number because he is the Manager. I texted G**** airing my concerns and that I wished to know where I stood regarding my job because I have commitments. I received a text back stating “he would pass my concerns to A*** and V**** because they operate the N********* Store” I honestly feel that as a Manager, G***** could have assisted more than this. On several occasions since issues started, I have also emailed Management directly and never received a response, therefore I do not feel I have been helped to resolve any of these issues at all. I would therefore request that the hours worked this week, which are 3.½ for Wednesday and 4 hours holiday as mentioned to A***, the 8 hours holiday accrual still remaining and the 25 hours @ £1.28 per hour (£32) where payment was held back by the Accountant on my payment on 27th December, are ready in the shop for me to collect on Friday 17th January 2014 I would like to take this opportunity to say I have actually enjoyed my time working in the ****** branch and if it was not for these issues, I would not be handing in my resignation. Yours sincerely

Hi, to be honest, she has a trial for another job tomorrow and should be told at the end of the trial if she has got the job. I have done a letter ready for her, so if she gets the job, the letter will go straight in. I just wanted to make sure I had the right information so my letter doesn't jump back and slap us lol. Could I upload the letter onto here for you to look at before sending it?

Hi...any help would be appreciated. My daughter works part time and on interview she was told she would get £6.31 per hour. She was offered the job and was paid £6.31 per hour for 6 weeks then was told her rate was dropping to £5.03 per hour because she was not 21. She was 20 when interviewed and offered the job and they knew this. When she hit 21.... the following week her wage was paid at £5.03per hour and was told it was because it was the previous weeks hours. The following week she was again paid at £5.03 per hour and was told the accountant was holding her money back because she was paid wrong previously. Now they are messing her about texting her saying they dont need her in because they are quiet.... therefore she is losing money!!! 1.... can they just drop her money when they told her originally what.she would get? 2...... can they "Hold her money back" when she is by law entitled to the nmw? 3.... if she left... would she be within her right to request the hourly difference to be repaid from the week they held her money back? Any advice appreciated Thank you

Oh, with regard to the screen protector..........have taken it off and still get the same problem, so have put a new screen protector back on

Hi again. Just to let you know I have emailed Roger Fogg, but up to yet have received no response at all. Also, on Monday of this week I received a call from someone at Tesco telling me to go out and purchase a cheap handset to use while my handset is in for repair. To be honest, I don't find this very good customer service, especially as they keep telling me they will send me a jiffy bag to return my handset.........and almost 6 months later I have still received NO jiffy bag!!!! Any further advice?

Hi Thank you for your replies....the issues with the handset are:- Touchscreen phone.....when you answer a call you have to swipe the slider button on the bottom of the phone, this then answers the call...........when he tries to answer a call he swipes the button but it doesnt answer the call,,, you swipe the button and the phone just keeps ringing..........it can take several attempts of someone ringing him before he actually manages to answer. The other issue is when he tries to make a call, he rings the number then it just cuts off....again, he can try several times to make a call before it actually connects. Another issue is he can have great reception on the handset, but gets cut off half way through a call The back button on the phone doesnt work properly either. We will write to the top boss and see what he says......thank you again

Can anyone advise please? My husband is on Tesco mobile and has had his contract just under a year. He has been having problems with his handset for almost 6 months now and has spoken to Tesco handset support on several occasions where they tell him they will send a jiffy bag for him to return the phone for repair and it will be back with him within 21 working days.....he explains he cant be without his phone for that period of time, but there is nothing they say they can do. Up to yet, he has rang them several times and been told the same thing and up to yet........no jiffy bags have arrived!! After making numerous calls to them we emailed complaints and received no replies!! Again 2 weeks ago week we emailed and actually received a response saying "contact handset support" we replied back saying we have spoken to them several times and they tell us 21 working days for repair and we'll send jiffy bag, but no jiffy bags have arrived. Each time they respond with the same thing......"contact handset support" Last week we sent a written complaint by post and have received an email back again saying the same thing.........."contact handset support" and "unfortunately there is no more we can do and we will not comment further on this complaint" We have even asked for a cost to buy out of the contract and they have quoted £300......we asked if they could drop his tarrif to the lowest possible to reduce the buy out cost and they said they cant do that (strange though how they share the 02 network and 02 will reduce a tarrif to reduce buy out costs!) Surely there must be something that I can do as I am not getting the quality of service I believe I should be getting..........and I am paying a contract for a phone which is faulty. My husband cannot be without his handset because he is a lorry driver and works away, and we have a disabled daughter and my husband needs to be contactable at all times!!! Any advise would be appreciated. Thank you

if it isnt paid off in the first month......it stays on your record for 6 years regardless of whether the debt has been cleared?

hi there sorry if i have placed this in the wrong place, but its just a general question. If you have a CCJ against you.......how long does it stop against you? i mean......how long does it stay on your credit rating? is it a certain length of time only, or does it stay against you until the actual debt is cleared? thankyou

You dont see the big deal? sorry but thats not much help is it! I have paid good money for something that isnt working correctly after only just under 7 months! I have done what the store told me to do and it still isnt running correctly! what i'm worried about now is.....if i take it back to PC World, that they will fob me off! Whats the point of a guarantee if it only covers hardware? Im not a "computer buff" and dont know a lot about them, so how am i to sort a software problem?