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mantisinc

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  1. Hi guys, I insured my car (206) with Quinn Direct in September 2008, as I'd just passed my test. They offered me the cheapest quote being an 18 year old driver, so I certainly took them up on it. The quote I received was about £1500 anually, which paid monthly, was £140 a month, (give or take a few pounds). I was the named driver with my dad as the main driver, and we filled out the quote and went ahead and purchased the insurance. We got a confirmation call confirming the insurance, and all was sorted. However, as I went to university, I took the insurance off the car september 2009, and then wanted to reinsure it again this summer. Come September 2009, because I'd been driving for a year, the insurance had halved to £70 a month. The strange this is - and this is where my problem comes in - was when I was looking through the letters they intitally sent me (or, my dad, who it was addressed to). On the intital first years insurance, sep 08 - sep 09, the paperwork in the letter stated a monthly figure way off £140 - but £56. It stated that an initial deposit of £140 would be paid when the insurance policy started, and then a month payment of £56.61 for the next 12 months. This was consistent throughout the paperwork, and included the direct debt agreement for the amount of £56.61 per month. Despite this, I was still paying £140 per month for that entire year. Why we didn't pick up on the fact the paperwork sent through said we should be paying far less before, I don't know. But I can see this as two possibilities: 1. There was a total mistake on the paperwork, and in fact it should have stated I was supposed to be paying £140 a month, not £56.61. 2. I should have been paying £56.61 a month (which is incredibly cheap), but £140 a month was being taken out. What I want to know, is that if it is outcome 1, and it was a mistake on Quinn Direct's behalf - because the contractual agreement and direct debit confirmation stated I should have been paying less, can I claim back the extra money I was paying? Or - would it be regarded as a simple mistake on their end, they cocked up the paperwork, and I should still have been paying the £140 a month? Sorry for the rate long winded story - I do hope it makes sense, and any help in this situation would be greatly appreciated!
  2. It worked out at £30 in total, including the shipping. Which basically saved me £30 or so (they are ususally are £12 a pouch.) But as for the customs charge, obviously I wasn't expecting one at all. With it - then yes - it sure is an expensive way to buy tobacco
  3. Hmm, well literally the postie (royal mail) just gave it to me like a normal parcel, just the parcel on it's own - and when he'd gone I realised there was that sticker on the front saying there was a customs charge. I guess it's their loss if they didn't collect the payment from me? If I wanted to? Don't be silly
  4. How did you pay? You'd probably be best off to open up a SNAD dispute with paypal, and immediately escalate it to a claim. That ususally gets them a little more "communicative".
  5. Ring up the number on your letter, and talk to them. I did this, and actually had the whole charge dropped. Admitedly in my case they were in the wrong, however when my dad rang them up, the woman didn't actually ask what happened. My dad just explained that the charge was somewhat extortionate, and the lady said that was fine, and dropped the charges. (I still can't believe they were that nice about it to this day). But yea, give them a ring, and see what they say!
  6. Hi guys, I'm sure you can help me on this one, you guys generally seem to be pretty clued up Basically, I bought some tobacco (not much at all - 5 x 50g pouches golden virginia) from Europe. Came today, with a customs stick on it for £41.80. Now, it says on that that the parcel can not be delivered until all charges are paid. However, the postie just gave the parcel to me as he ususally does, and walked off. (I didn't realise the charge until he'd gone). Because he didn't collect any payment, will they chase me up for it? It's not a huge amount so I'm not fussed either way, but would be nice to know. Here is a photo:
  7. Well, spoke to the guys at FGW on the phone, and explained the situation to them on the phone. After a simple phone call, they realised the charge was not in order, and reversed it. Was that easy!
  8. Okay I'm currently absolutely fuming. Basically me and 2 other mates travelling from Chippenham to Kent via rail to attend a music festival this year. We purchases tickets way in advance, and all was ok. On the way back (in padington), we asked the lady at the desk if we could get the 2:30 train back (our ticket was for the 3:15 train), and she said if we'd paid for a valid ticket, then the time difference would be fine - we could board the earlier train with a later ticket. Well we got stopped by a very violent sounding conductor, who took us off at a stop (swindon) before our last stop, and demanded to give him all our details as we were travelling with an invalid ticket. We explained that we were told by FGW staff we were allowed to travel with this ticket on that scheduled train - however he still maintained it was our fault. This was 5 months ago. Today I received a letter from the FGW prosecutions department (revenue protection), demanding £50.50. We paid £22 (I believe - I'm trying to find the transaction details via email) per ticket, so we've got a whopping £28.50 admin charge on each ticket. Where do we stand regarding this? We were told by a member of staff that our ticket was valid for the train we travelled on, yet another member of staff then prosecutes for a substatial sum. Any input greatly appreciated!
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