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  1. Just a follow up on this to confirm that Brightside eventually came back with a result to my complaint refunding both their own £25 cancellation charge & the £25 that was charged by the actual insurer. As the insurer had not outlined any such charge in the documents I was supplied, coupled with the fact no correspondence was provided to me (as I requested via letter) of all charges & a breakdown etc they are now going to refund me my due outstanding balance I have overpaid them. What was just as annoying was within literally days of cancelling I receive a letter from their collections bureau team, which further added weight to my complaint especially when I was infact expecting a breakdown of their cancellation charges (which of course never arrived). But anyway thankfully all sorted out & didn't have to pay this fictitious extra charge.
  2. Thanks yeah I have emailed complaints (and also posted letter today) & I totally get what you mean with ref to the cooling off period. Although upon renewal the documents provided by Brightside on behalf of the actual insurer only consisted of a certificate of insurance, Statement of information & 2 documents basically going over what my insurance covers & exclusions etc. I have read ALL the small print and it is outlined in the statement of information cancellation within cooling period £25 (no mention of the £25 the actual insurer supposedly charges on top as I was advised) As @dx100uk stated also I'm now going to find out why I was not asked to sign a new agreement and for them to provide the Direct Debit mandate details. I certainly don't remember the direct debit I digitally signed (over 2 yrs ago) to be a continuous payment mandate. Unless I'm missing something on that one? At the end of the day it's £25, thankfully not huge amount but better in my bank than theirs & it's the principle of the fact this "extra charge" isn't mentioned on any documentation I was provided with - yet they throw it at you out of the blue! I'll update what the outcome to this is though. Thanks again ;-)
  3. All paperwork is digital, paper free within Brightside & Close Brothers. But you are correct actually there is no new finance agreement signed (Ive only signed one ) and no record of a DD mandate. I think I'm being to polite with this tbh and I'm contacting my bank to reimburse the full payment I've made. Thanks again mate @dx100UK ..I'll update on what outcome is
  4. cheers, yeah I'm thinking talking to these people is pointless, so I see your point. I'll see if I can find the DD mandate but as far as I know it was electronic via Close Brothers Finance (who offer the instalments)..I've logged into my Close Brothers account & no sight of the mandate although the agreement has been cancelled showing a zero balance owing. I won't bother with the manager, just gonna email customer relations directly & ask them to provide me with a DD mandate - if they can't I'll contact bank & reclaim
  5. Can I do that? I assumed they had a mandate (kinda auto renewed from previous year?..or am I wrong on that?).. I'm tempted to just say stuff em but I don't want some debt collection letter with the usual pathetic demands. I would rather get this resolved with them directly. I've also checked all the documents I was provided upon renewal (I can still access them within my online account), not one mention of a cancellation charge from the actual insurer, just the one from Brightview. The actual insurer is a company called Tansar & on checking their website they have a policy words booklet (http://www.tansar.co.uk/documents/policywordings/privatecar_v2.1.PDF which I certainly never received? The only docs I received were 3 docs which one was the certificate & the other two outline the cover of insurance, no information about cancellation charges. The last guy I spoke to at customer services said it will clearly outline that on Tansars website, but surely that should be provided to me among my docs, I shouldn't have to hunting on the insurers website? It's crazy..first I've ever heard of this with any insurance I've had. And this Tansar seems to have terrible ratings from what I've seen online too
  6. Hi, I've been with Brightside Car Insurance for last two years, however my auto renewal wasn't a great price but I was away working and I totally forgot to cancel in time & it was renewed. Luckily I got back within the 14 day cooling off period and called to cancel and asked how much I would be refunded from the first monthly payment taken via Direct Debit (£60)..I realised I would be charged the £25 cancellation fee & for number of days cover provided. The advisor said he could only cancel the policy and was unable to confirm the refund amount & I would have to call back once it was cancelled (the following day) altho he estimated approx £20 ish. However I called today and I was advised that I would actually owe them more money?... I was baffled and asked how & he explained that they as brokers charge a £25 admin fee and also my actual insurance company charge £25 also... I've never come across that before to be honest in the many years I've been driving?? The policy was auto renewed on the 11th January upon which they took payment of £60 the policy was cancelled on the 21st January. I have complained to Brightside & the advisor has arranged a manager to call me back (as no one was available at the time)..altho I'm not holding my breath as Brightside customer service is terrible if I'm honest..long, long waiting to be answered and the usual "robot approach" staff. Thankfully I didn't have to call them often but I was determined upon renewal I was leaving them (just a pity I didn't realise before it auto renewed) I've requested for Brightside to waive "one" of these charges as I really think it's ridiculous. Upon cancellation on the first call I was told I would be charged £25 cancellation & the days cover was provided ..nothing about the other cancellation charge? Has anyone else had a similar situation with two charges? Any help or advice appreciated.
  7. Yeah I agree, I was even surprised they just closed the accounts. Mind you my doctor's report was very intensive, not that should necessarily lead to this decision, but I gotta say I'm very happy with their decision (obviously) .,.took a weight off my mind for sure. The person who dealt with me was from a dedicated team I'm lead to believe and credit where credit is due she was very pleasant to deal with. @dx100uk yeah I get it won't change any score, my credit score / rating isn't as bad as I would expect it to be anyway, but I aint too bothered as won't be applying for any credit anytime soon anyway
  8. Hi, I have a question regarding my credit file & 4 Lowell accounts which were closed as a "goodwill gesture" due to my ongoing mental health illness. Due to them constantly contacting me via telephone and threatening letters, I contacted them first email to request they stop contacting me via my telephone and also to try and setup some kind of affordable repayment plan to clear these accounts. I also explained my health circumstances and my very low income. They requested I complete a income/expenditure and some proof of my illness. I replied with my doctor's report and explained I will send a income / expenditure form once I have some advice from the National Debtline. One of the accounts was being administered by BWLegal who had issued a warrant of control which Lowell advised would be stopped and they would take over the account. A few weeks later, Lowell wrote to me to explain all accounts have been closed and no further action will be taken to collect any outstanding amounts. (Although they didn't inform the bailiff who turned up at my door and left a card, but having spoken to him he is now aware the debt has been cancelled, so all good) Should all these closed accounts (all equal around £1500 combined) be updated as "closed" on my credit file? Obviously I realise defaults / and the 1 CCJ remain on file for 6 years, but should the other accounts be listed as closed rather than as still active with there outstanding balance? (which they presently are) Lowell closed the accounts about 6 weeks ago, which did surprise me but obviously took a weight of my mind. Due my present circumstances I obviously won't be applying for any credit etc for some time, so I'm not too bothered about my credit file status but I like to make sure information on it is kept up to date nonetheless. Any advice appreciated, thanks
  9. sorry I just noticed this reply - that's a great idea!n no losing out on any tax & probably less hassle, cheers @Gick
  10. Thanks all for help & confirmation ;-) Yep,we are doing it at end of month to avoid losing any days etc ..as no hurry for both of us, seems a plan
  11. Hi, Me & my brother are swapping cars, both cars are the same year & relatively the same value. We are simply swapping as his car is an estate and better for my large dog and my car better for him as his daughter (my niece) can only drive automatics and mine happens to be an auto. I'm just confirming the taxation side of things. I pay DD monthly on my car (so kind of runs from month to month) whereas my brother has paid for the full year upfront on his car. His car tax is paid up till May 2019 I'm planning on doing the transfer of ownership/sale online via DVLA website while I am at my brothers (he lives 30 miles away). I am assuming when I do the transfer online for both cars it will automatically cancel my tax DD with respect to my vehicle and as for my brothers car he will be refunded for his car tax for each clear month by the dvla ? We will then need to both re-tax the cars again from kinda scratch? Is this the correct procedure? To be honest I've never sold a car since the new car tax system. Obviously we will update our respective car insurance's at that time too. Thanks in advance ;-)
  12. Just to further update this post, Asda (as there name appears in the subject line) - have contacted me after being contacted by Origin. They are sending me a £30 gift card to cover the inconvenience caused and are removing all the cards with that wording on them to be removed from shelves in there stores immediately. Should anyone else have bought one of these gift cards over Xmas period, as I said in last post contact Origin complaints department and they will sort it out. If bought from Asda, don't bother going in Store as Customer Care have no idea how to refund you - as much as you can get refunded under the Sale By description - consumer rights act (as stated by BazzaS earlier in thread)
  13. Thanks for the replies guys. Ben from EA / Origin called me today and apologized that the card wording is incorrect and that they are contacting the card issuer FastCard to change the wording. Within the UK you cannot use these for Origin Access. I received the call as I escalated a complaint that the webchat support were not very helpful in resolving this. As goodwill Ben activated 3 months Origin Access free and the card amount untouched allowing my nephew to use this on something else within the store. Origin are aware of the issue from what i gather (im probably not the only one who has complained) but to be fair on them they were very quick in resolving this and Ben from EA apologized for all inconvenienced caused. Obviously should anyone else have issues with these cards, my advice is to contact Origin Customer Care as its clear they know about the issue.
  14. I recently bought a Origin Gaming Gift Card for my young nephew who is new to PC gaming. I bought it on the assumption that he (only being 8 years old) could activate Origins / EA games subscription service "Origin Access" which allows him to access a selection of EA games for a monthly fee of £3.99 I bought the card from a local Asda and thought it a great gift considering it stated clearly on the front of the card: " use this card for digital purchases - including full games, dlc & origin access subscription - no credit card required " (the key points of purchase being no credit card required and it can be used for Origin Access subscription) you cannot use these cards to buy Origin Access, even though the wording on the front clearly states you can. Upon speaking to Origin via webchat they stated that the card could not possibly have that wording on the cards as you cannot (nor have you ever been able to) use the gift cards for Origin access as its a subscription based service. However Asda (my local store) is selling a pile of them with them , all indicating you can use the cards for Origin Access - and this is in bold print on the actual cards themselves (not a Asda label, but actually printed clearly on the cards) Just a word of warning to anyone who buys these cards thinking like I did to use with Origin Access subscription, please do not buy them! As once you scratch the panel and enter the code on your Origin account, bang goes your refund, which is pretty annoying. Obviously you can use the gift card amount to buy a game etc but once again be careful with this one, as if the game exceeds the amount of the "gift" the extra you need to pay becomes a real headache as you dont get an option to pay the rest with a credit card etc.. well not without jumping through hoops & errors. I am in contact with both Asda and Origin at the moment, even sending photos of the card with the wording on it (as Origin need proof of the wording on the cards) To be fair, the card I purchased wasn't for a great deal of money and I wont be losing any sleep over it, although the principle of the matter is I bought the gift card on the assumption it could be used for Origin Access - when clearly it cannot be used for that !! Origin's attitude is pretty unapologetic and all they seem to be saying is you can still use the card to buy a game from us . Im pretty shocked a company the size of Electronic Arts (or Origin their kinda PC gaming subsidiary) are selling these cards with false information clearly printed on the front . I've contacted Asda regarding this too as in effect as the retailer they have some responsibility here be warned, dont buy Origin Gift Cards for Origin Access for use in the UK as your in for a big disappointment.
  15. Just an update - good news, within my dispute I added the further information outlining the incorrect information provided by their support team / and included the fact that PlayStation confirmed the selling of games via an account is in violation of their terms of service ( big thanks to FootballPlayer for pointing out the "sharing account"), and g4k have refunded me fully back to my debit card, so it wasn't necessary to take it to Paypal to resolve thankfully. Although I will be replacing the game from a more reputable source for my son now, if anyone decides against my advice and orders a PS4 game from this company (not recommended due to PS4 terms of service) .. do atleast delete the account provided by them after activation etc.. Anyway, all sorted now - hopefully it'll help others who have stumbled across this company. Atleast they did refund me, albeit you will need to be persistent and they did turn down my first request for refund.
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