dx100uk sorry about that hey,at this mment in time i only have the use of one arm and typing is a bit of an issue at the min thnaks for the response from you all reagrding this andy.

how this started is my partner was having a clear out of old paper work and came across old loan agreements from 2003, she was going to shred these documents and i had a look through them first, and it came to our attention that we were mis sold ppi. that we didnt ask for or request, as i was at that time working as a self employed,and we couldnt recollect any of the information that was on the loan agreements one with nat west and one with royal bank of scotland, all we did was write a letter of compaint to them both and our letters we acknowledged as being recieved and would be looked in to, we recieved a telephne call from nat west asking us about our complaint and would recieve a response in the next few days, fast result, £3.500.as settlement ughhh. however the royal bank of scotland wrote and told us that claims for ppi were currently on hold, and we could refer our complaint to the f o s if we wished.. the figures for the nat west loan were.. amount of loan £6.500 interest £2.391.16. ppi £4.350.42 interest for ppi £1.380.74. total amount £8891.16 loan ppi and interest £5.730 total amount.£14620. this settlement figure was as they wrote a gesture of good faith and didnt admit liability or deny any liability. as we were in need of some money to settle other matters we accepted. as its some thing we didnt have and could have made use of, due t the way things are these days. and me currently not working due to incapacity. seems there wasnt any argumets in sorting this out for us. although we were bemused as to how it was dealt with.... i.am not sure how my other claim would be with royal bank of scotland but these figures are.. amount of loan.£6.800. amount of interest.£2.691.16.. ppi £4.754.74 interest for ppi £1880.72 total cost of loan an ppi and interest £16126.32..84 payments of £191.98. we recall this loan being paid of early. but cant remember when. we are confused with the whole thing to be honest ,but the money came just right. thanks again andy.

i have recently sent in payment protection insurance claims to the royal bank of scotland and to the nat west, these were sent at the same time for mis selling of these policies to me, i have recived a response from the nat west and they cleared my complaint with them in under 4 weeks and made an offer of settlement for just over 3k, ,which i have accepted, however the royal bank of scotland have responded to me saying that current claims for mis sold payment protection insurance are currently on hold due to this enquiry that is underway. i have sent in a complaint form to the f o s about the royal bank of scotland and cant understand that the nat west have settled my complaint and they are part of the royal bank of scotland group. as i was aware that no waivers had been given to the banks by the f s a and were to handle complaints of payment protection insurance as per their guidelines. would i be able to point this out to the f o s that the nat west have settled my complaint with them, where as the royal bank of scotland have said that claims are on hold. or would they say that my current complaint with the royal bank of scotland is a seperate issue.. thanks in advance. andy

been reading up with this situation vicki well done for standing up for your self,, and so wish you all the best well said jimbo,,not a lot more can be added to that respone. andy.

:|i agree with whts been said here,,,but to achieve all the ideas put forward theres one thing that has to be done before we can get things sorted,,,,some one in goverment needs to get a back bone and do all the things put here,,but that wont happen unfortunatly

:lol:thanks to every one for thier help regarding the above post,,i sent a final letter before action toshop direct and was suprised by the amount of telephone calls i recieved from them,3 calls in 2 days ,the last call was to say that they had looked in to our complaint and admited what we were complaining to them about was true and will send us the missing games in due course..result..thanks again to every one for their help..

great universal have finally sent us a letter regaarding our complaint,and have passed this to thier customer excellence department,shop direct for them to deal with we reccieved a letter from them saying that they will look in to our complaint and will contact us again shortly,,this was on the 7th feb,and still we have heard nothing,,seems they like to drag thier heels doesnt it,we contacted consumer direct about this and all they said was to take it to the small claims court, howwever this could be a costly thing to do,and would they even bother to respond to this or even attend the court,,so back to square one,,suprised at consumer direct not getting involved as i thought that they would do,re breach of the sale of goods act,,iam not letting it go and just forget about it ,after all if i didnt pay them for the goods they would soon be sending me letters and threat o grams.should i go back to consumer direct and see if they cant put on pressure on them or do i go down the small claims route .thanks for your support in the past8-)

i have found the name of the customer manager for great universal, emma thorpe,and have sent her a recorded delivery letter and a copy of the original one i sent previously,i have asked for the address for service in the letter,,if this fails to get thier attention and or no response then its off to the county court,seems the only way, now they have been given yet another chance to look in to my complaint,ill keep you posted, as i will need advice on how to approach when i come to dealing with applying through the courts,once again thanks to all of you for your advice.

appologies for the delay in getting back to you about the above,with great universal,,i posted the original complaint by recorded delivery ,how ever royal mail failed to deliver my letter of complaint,confirmed by them over the telephone,so i had to re send the letter,,how ever the time limit of 14 days in which they were given to reply to my compliant expired ,3 days ago and to date they havent even had the decency to respond,,i have been trying to find the customer services manager of great universal to re direct my complaint to them and ask why they didnt have the decency to respond.. or there is the option of county court action..however i will fire off another letter again tomorrow this time ,i will give them a further 7 days to respond.then go down the court action route..well done 1lawyer getting your playstation sorted out,i will certainly remeber that for future reference.kind regards.

hya andy just a quick update,contacted trading standards,and they have put us in touch with consumer direct,who have told us to write to them giving them 14 days to rectify the matter and quote sales of goods act 1979.we are to call back when we have recived a reply from great universal,the man we spoke to brought up the page and agreed they were breaching the sales of goods act.so ill be sending a letter to them tonight,would it be best to send it by recorded delivey?as proof of postage.thanks again andy ill keep you updated as to how we get on.

hya andy your right in what you say,the e/mail to customer complaints that we sent,has been replied to again they say its an error ,but doest even offer a compromise even as a gesture of good faith. they have assured us that they have amended the website. the reference is now pz54216,i have just looked to see if they have amended the page and low and behold its still the same,lol,would you credit it,so a reply will be sent ,i,m not letting this go, as i bet there are some that will say oh well,forget it,,my partner was getting round to that thought and said to me,, you wont get any where ,they will walk all over you any way,, so thats got me more determined now,, and i have tried 4 e/mails of complaint, so i have given them the chance to deal with this, if i didnt pay for the item they would be all over us like a rash.so trading standards and watchdog will be the next approach now,i have printed both page references,and kept copies of e/mails sent and replied to..my partner seems to think i wasnt assertive enough in my e/mails that were sent, and said you need some one that knows how to word complaints so that they take notice..i think she was right as i sent the complaints as more of a general enquiry looking at it.as i,m not to great in the wording of complaints,,any suggestions would be appreciated..many thanks again andy.

many thanks andy. i have sent an e/mail on thier complaints section. and will await a reply,as i have sent previous messages telling them about my complaint and them just telling us it was an error should i be a bit more assertive and mention that my next course of action will be trading standards,up to and including, watchdog,this might make them give us a more posative response,, all we want is what was in the description of the package as advertised.why put this in the description and not adhere to what they state..

we dont mind having the goods,, which we have brought on bnpl,but we will pay that off before the due date,but its the princiaple of them not sending us all the itmes that were described,my partner recived an e/mail from great universal today ,and they said that, its an error and they made a mistaske, as this some times occurs in descriptions and pricing,,as a consumer thats not down to our fault, its thier own, and what you purchase should be as described,,if you take a look at greatuniversal.com and type in the search box,, the item reference pz5420,, youll see what i mean,, my question is now what should be my next approach ,would i be better off contacting trading standards,or again send another complaint e/mail to great universal.and going through thier complaints procedure. many thanks

my partner chose a playstation 3 package deal from great universal on line,the description of the package deal was,160gb playstation3 inc call of duty black ops, medal of honour,a dual shock controller, blue tooth headset,and a hdmi lead. these itmes were pictured...however reading through the description and features of the console,,it stated,,,get your games off to a superb start with,,,modern warefare 2,,call of duty black ops,and medal of honour,,it then carried on about the functions of the playstation blue ray,dvd etc,,,in the key features of the playstation it said comes with fifa 10 and kill zone2.. so my partner assumed as it was written in the descritipn of the product advertised that including what was pictured and the other items,,, modern warfare2 and fifa 10 and killzone 2 would be included,, in the package,, so she ordered the console and expecting all the items listed would be included in the delivery when it arrived,,however modern warfare2 fifa 10 and kill zone 2 werent in the delivery,, she contacted great universal and was told that the package was only for what was pictured as decribed above,,, she pointed wht the decscrition read but was told that those other items are not part of the deal,, ,she has made a complaint to great universal and has more or less been told that only the pictured itmes are in the package and that the others in the descrition are an error,,.she pointed out the trade descrpitions act to them but has been told to make a complaint in writting..are we perfectly right to argue that what is written in the descrition, we were entitled to recive or can they say that it was an error ,and say as they are saying that we have had all the itmes and wont be sending us the rest..

we use great universal and have had items on bnpl, however even if we dont have any weekly /monthly payments to pay we send payments of say £10/£20 a month,, to have as credit ,this then is deducted from what we owe,which makes it an ideal situation for us maybe thinking about that idea,might be of use for future reference.