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kevrapley

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About kevrapley

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  1. This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  5. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  6. I have received a letter this weekend offering £785 which is not far short of the amount I was looking to retrieve. In light of moving rental property in 2 weeks time I will be accepting this offer. I praise you all with your help in fighting HSBC and recovering my unjust penalties over the past 6 years. Kevin
  7. kevrapley

    Ford

    I received a reply from Ford today, I haven't seen the letter myself but my other half gave me the gist. Basically they are saying that they check plugs at 60,000 and 90,000 but not at 70,000 and take no responsibility for the fact that the spark plugs and coils were damaged. This goes against what they state on their website posted by installspark previously so I will be following up with a further letter detailing these. The letter will be a "Letter Before Action" and give them a further 14 days to reflect. As I have said previously I have the old parts so I will include photos of these too. I will post the letter from Ford on here later...
  8. kevrapley

    Ford

    And at 75,000 miles it says to replace. The invoice claims to be a 70,000 mile service, and I believe the vehicle was slightly over this so much closer to 75,000 than 62,500. The point is the spark plugs were visibly in a poor condition and nothing was done about it. Thanks for this area on the Ford website, very useful.
  9. kevrapley

    Ford

    Well thanks for the advice, I particularly like the one about marking parts with nail polish! However it is too late for that now. I have written a letter to them and posted it recorded delivery today asking for the money back due to poor workmanship. I doctored a request for repayment of charges letter from the bank library replacing parts like with... It will be interesting to see what there comeback will be.
  10. kevrapley

    Ford

    Thanks for that breadline, well after reading a few other posts in this section I routed through the Supply of Goods and Services Act 1982 and got some tips on what to ask the current service garage and got onto them this morning before the repair took place. They have given me the old parts back so I can see the damage and I have written a letter to Ford which I will send tomorrow.
  11. kevrapley

    Ford

    I took my Ford Fiesta into Ford for a 70,000 mile service on the 22/03/2006 which also involved a repair to the thermostat which had developed a leak just days before. The car had been in my possession at the time for around 9 months and had done 10,000 miles since I had bought it so needed an oil change and the service. I thought I would take it into Ford for the good of the car and the service history. I was charged in total £414.14 It is now 06/06/2006, and the car has developed a problem, it is misfiring which means it has fuel deprevation at high revs which causes the car to judder when the acelerator is compressed. I have taken it into a local garage this morning and they have informed me that the spark plugs are not in good shape, one in particular is completely rusted and has been for some time. Coils may also need to be replaced but a full investigation will take place tomorrow as well as a repair. The job at most will cost in the region of £200. Now I am no car expert, but I would've thought that Ford during a 70,000 mile service of the vehicle might have come across the fact that the spark plugs were looking poorly. I am going to proceed with the repair at the local garage and bring the mechanics report to Ford and ask for my money back for poor workmanship during my 70,000 mile service. What rights do I have as a consumer and what can I legally claim for in this instance? Can I claim back the costs involved at Ford and the current repair costs? Any help will be greatly appreciated.
  12. Well Mr. Shepherd hasn't bothered to reply to my first letter, deadline is today and not received anything. LBA will be posted today by recorded delivery. Letter in the post
  13. Hi James, I am nearly at the end of the first 14 days and not heard a word, sending off the second letter on the 6th. I sent the first letter by 1st class post so I guessed they wouldn't reply. I intend to send the second by recorded delivery. Out of interest did you send both of yours recorded?
  14. METRO Thursday, June 1, 2006 Credit card fees set to be slashed CREDIT card penalty charges are to be slashed by two major banks following an investigation by the Office of Fair Trading. Barclaycard and Lloyds TSB will cut fees for late payments, payments that fail to go through and for people who exceed their credit limit, from £20 to £12. The reduction will take effect from June 28 for Lloyds TSB customers and from Auguest 1 for those with a Barclaycard. The move comes after the OFT said consumers were being charged more than £300million a year in unlawful penalties. It claims the charges were set at a 'significantly higher' level than was legally fair and called on all card issuers to recalculate their penalties. The watchdog warned it would consider any penalty charge of more than £12 as being unfair, and it was likely to challenge those above this level unless there were exceptional reasons for them. But banks responded angrily to the report, with Apcs, which represents the industry, saying card companies felt their default charges were fair, transparent and lawful. lloyds TSB said yesterday: 'Wee have decided to abide by the OFT's recommendation, but we do not agree with the legal reasoning.' Barclaycard added: 'We disagree with the OFT's legal analysis but we have decided to make the change in order to remove uncertainty and create clarity for customers.' It is unclear if other card providers will reduce their penalty fees.
  15. Bank customers 'pay £4.7bn overdraft fees' BANKS forced customers to pay £4.7billion in overdraft charges last year, according to study published today. The research piled further pressure on Britain's 'Big Five' banks to cut the fees imposed on people who go into the red. Government watchdogs pledged to take legal action against banks that did not slash feed, but the banks refused to back down. The study, by consumer magazine Which?, found that banks charged an average of £20 to £30 for account holders who exceeded their authorised limits. Customers who typically charged £25 to £30 on top of that for standing orders or direct debits paid out while over their limits. HBoS, Royal Bank of Scotland and NatWest were named abd shamed as the toughest on overdrawn customers. They each imposed a £118 penalty for account holders going £50 over a £250 limit for three days, researchers found. Abbey had the second highest charges for the same scenario, at £110, while Northern Rock had the lowest charges, at £28. The Office of Fair Trading has threatened court action against any banks charging more than £12 for exceeding overdraft and credit card limits, from today. But the British Bankers' Association demanded a showdown meeting with the OFT late next month before any reforms. It said: 'Banks are commercial institutions and are entitled to decide their own charges. These are made in agreement with the individual customer signing up.' Which? said: 'It's time for banks to start treating customers fairly by reducing their excessive charges. Charges should cover only the banks' true costs of dealing with late charges and exceeding overdrafts.' Eddy Weatherill, of the Independent Banking Advisory Service, added: 'The industry is not being policed enough-any charge over £5 seems excessive. 'Customers are being plundered-and, no doubt, the banks will find another way to get their money even if charges get capped.'
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