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About broadbandfodder

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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 collect
  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)
  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 wor
  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 ca
  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 anytim
  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 expl
  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
  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 y
  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
  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
  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 order
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