Here is a letter I have written to Domaestic & General. Any thought or feedback would be welcomed. Dear Sir or should I say Dear Everyone. I have copied this letter of complaint to Comet, Beko and Hotpoint, in the hope they will see how poor Domestic & General treat customers who have purchased their products (Hotpoint and Beko) or used their stores (Comet) I have 2 policies RHC0095030 – Hotpoint Condenser Tumble Dryer CFQ0003232 – Beko Fridge First I would like to explain what has happened with RHC0095030 – Hotpoint Condenser Tumble Dryer We have had issues with this product more or less since the day we purchased it. We have had countless engineers out to fix the tumble dryer. Now the product is nearly 5 years old it has been decided that the item is to be replaced, and I have to pay £70.54 to DomGen for the privilege. This is broken down into 2 payments of 33.54 for the remainder of the policy and £37 Delivery Charge. Here are the main points why this is unfair to the customer 1. I have to pay for 6 months cover even though the policy is being cancelled, if this was car insurance I would be receiving a rebate. I should not have to pay for a service I cannot use. 2. I have to pay for delivery of the item when there are numerous retailers on the internet offering the item with free delivery (Comet website for example) Domestic and General are replacing the item and therefore they should pay the delivery charge 3. DomGen will not offer a cash alternative this means that I have no choice but to allow DomGen to walk all over me with their size 9 boots. Next is CFQ0003232 – Beko Fridge This item is now just over the 5 years old DomGen say I have to pay £160.58 for a replacement. I am informed this is 50% of the cost of a new item, plus delivery plus the remainder of the policy for the rest of the year. Here are the main problems with this offer 1. The replacement item is a different colour to the item it is replacing. The replacement offered is not a like for like item as when I bought the Beko Fridge I paid extra to have a silver one to match the kitchen, and the replacement item is white. Silver ones are available but Comet have sold out and will not offer an alternative 2. I can purchase the item from Dixons.co.uk for £183 with free delivery. If you look at comet website the item is £289.99 3. DomGen insist the item must come from Comet (even though they are more expensive) 4. I have to pay £37 delivery charge even though the item is coming from comet and they offer free delivery 5. I have to pay DomGen for the remainder of the policy even though I am unable to use that policy. 6. DomGen will not offer a cash alternative this means that I have no choice but to allow DomGen to walk all over me with their size 9 boots. I am extremely angry with Domestic & General as they are holding me to ransom which in my mind is criminal. In times of recession customers keep up with payments for insurance in the belief they will be covered if something goes wrong, but not with Domestic & General. Domestic and General are holding my replacement appliances to ransom until I can pay the ransom money for the items to be returned. Domestic & General have RUDE advisors (I am talking about you Harpreet) who talk over customer and do not listen to their customer’s questions. They simply HIDE behind terms & conditions. Domestic & General know that families cannot do without these items and also know that complaints can take weeks or even months to resolve and are EXPECTING most customers to give up, give in and pay the ransom because in these modern times working families need the appliances. This is unfair, unjust and bordering on criminal. Under the freedom of information and Data Protection Act I am requesting Domestic & General send me every single piece of data they hold about me and my wife including a financial breakdown of every single payment I have made to you so that if this complaint is not resolved to my satisfaction I can commence legal proceedings through the small claims court for a full refund. I look forward to your quick response in due Course

Last month I went overdrawn on my account 3 times. When I was on online banking I saw that I had 3 "Arrangement Fees" to be applied to my account totalling £75. Now dont get me wrong I am not lilly white, I do have some problems with finances, however when I rang to complain the operator did not understand my stand point, so I wrote a letter. (below) I received a standard letter reply to which I phoned the complaints department and asked for this to be escalated. Today I received a phone call telling me that the £75 will no longer be taken from my account. I asked when all the documentation that goes to customers will be changed, and they are looking into it. Here is the letter and I would love to hear your comments. Andy Dear Sir I would like to complain about “Arrangement Fees” that are due to be levied to my account. These “Arrangement Fees” are to be applied to my account because I went overdrawn. The definition of Arrangement is “noun 1 the result of arranging things in an attractive or ordered way. 2 a plan for a future event. 3 Music an arranged composition.” The timeline for this would be My account goes overdrawn HSBC look at my account, and decide to allow my account to go overdrawn HSBC levy an Arrangement Fee on my account As you will see the Arrangement fee comes after I have gone overdrawn,; howoever; the definition of an arrangement is a plan for a future event. On this basis I request you remove this pending Arrangement fee and refund any arrangement fees you may have applied to my account in the past. Under No Circumstances do I allow you to transfer any funds from my joint account to pay for this. Kind Regards

Hello Is there a statement of evidence that I should use for HSBC? the one in the link is for TSB. Thanks

Hello. My court date is not 3 days away, any help would be appreciated. Thanks

The letter says. Notice of allocation to the small claims track (hearing) in the Blackpool county court Deputy district judge Wilson has considered the statements of case and allocation questionaires filed and allocated the claim to the small claims track. The hearing of the claim will take place at 14:00 hours on the 17th Aug 2007. Each party shall deliver to every other party and to the court office copies of all documents (including any experts reports) on which he intends to rel inthe hearing no later than 14 days before the hearing. the original docs shall be brought to the hearing. ********************************************* I have also received a letter from DG. They are telling me thet are going to apply to the court for an order to stay the action until resolution of the banks proceeding with the office of fair trading. and asked the FOS not to proceed with any other case they are hearing until the test case is resolved. Is this going to delay things further or are they trying to put me off? Thanks in advance Andy

Hello. I need some advise please. As above I filed my Claim on line, this has now been transferred to my local Court. My Court Date is 17th August. What do I need to take with me to the court? and is there anything else I need to do? Thanks in advance. Andy

Hello All. I have sent HSBC the first letter regarding my business account. Surprisingly I received a response offering me about a third of the charges I asked for. I have a few questions. 1. Should I accept the offer? (dont really want to unless I wont get very far in court) 2. Using the Business Account guidelines should I now send the second letter? or can I lodge my claim with MCOL? Thanks in Advance Andy

Hello. I have logged into MCOL this afternoon, and my claim has been acknowledged. can anyone tell me what I need to do next, and what HSBC are likely to do? All your help is much appreciated, and thanks in advance Andy

Hello. I only found this site today and would like a little advice. I gave HSBC 14 days and then started proceedings with MCOL on 4th May. MCOL says it was issued 8th May. I am a little unsure what I need to do next? At what stage (date) do I request a default ruling? I have read 14 days and I have also read 19 days, so I am a little confused. I have Claimed nearly £4K which I am guessing they may try to defend rather than pay. What should I do to prepare for further court action? Thanks in advance. Andy

Hello. I followed the instructions from the BBC website and only found this website today. I Started my claim online 4th May and am waiting my 14 days (plus 5 days delivery) The news that Lloyds TSB Won a case yesterday makes me ask the question "Who's next" Although there is also a brighter side, If the CAG were no quoted on the BBC website I would never have found this forum. I will have a good read at other posts, at least I am feeling more positive than I was yesterday. I am going with the attitude that HSBC may not have sufficient time to defend my case and I might sneak through. Thanks for the info on this site it will definately help. Kind Regards Andy