well whats the top 3 google result for "brummies" ? brummies - Google Search= and biggest mouths brummies biggest mouth - Google Search= of course not all inhabitants of Birmingham are low class (white working class) and loud mouthed , unfortunately independent research does show that they are the "rudest people in Britain" and have the "biggest mouths in Britain" I find that I encounter more people who cant talk without shouting and have no manners in the West Midlands than elsewhere in the country I can travel from Euston to Coventry in peace , then the load mouthed people board the train , twice they have puked over the floor near where I was sitting When the local news asked brummies about the research , one replied that he thought London was ruder , then he said Tamworth was rude too My interpretation of that was that he had not been to London , but had been to Tamworth and thought it was rude of the locals not to give him money when begging for change , and rude that the bus driver wouldn't accept his out of date West Midlands Daysaver ticket and the rest of the "rude" Tamworth locals probably just couldn't understand his accent Yes the brummies are right and everyone else is wrong

Its funny that whenever a company pays money into an individual's account by mistake posters are quick to state that the money should be repaid to the company but when someone posts that they have paid money to company but quoted an incorrect reference number (although it has gone to the correct company bank account) they aren't as interested and will say its your mistake here's an example http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/106974-money-put-my-account.html I have seen this on moneysaving expert too

should have split the ticket at Peterborough

I suppose the advice is to use the self service machine and make these muppets redundant It is perfectly acceptable to buy a ticket from any station regardless of whether you are starting your journey from that station I have had this problem at Birmingham International when asking for a Silverlink One Day Travelcard , the twit refused to sell the ticket claiming only Virgin tickets were available , I bought the ticket from the self service machine instead with no problem - but I had compensation vouchers I intended to use I raised the matter with the platform staff and to my surprise they phoned the ticket office manager and that confirmed that I was correct and the ticket office staff were incorrect , I didn't have time to go back to the ticket office as the train was approaching I used the same ticket office the next day to get rid of the vouchers and I would have dealt with the same employee , however a woman pushed in and asked "quick question .......where can I catch a coach? .............to the coast?" no doubt she received better service than me , after all I am only a paying customer with my credit card ready and know what ticket I want without any chit chat What a weird woman turning up at an airport train station and asking about coaches to the coast , I doubt if she had enough money and didn't seem to bothered about which coast she would be visiting I travel on Silverlink rather than Virgin because it avoids the loud mouth low class brummies and break my journey at Leighton Buzzard or Wolverton to visit the Tesco hot chicken counter and buy beer but was not aware of any shop in Wealdstone selling food that would justify getting off there You say that you were "robbed by Southern Railways staff" at Watford Junction but I understand that this station is staffed by Silverlink National Rail Enquiries - Station Facilities for Watford Junction What about the barrier staff at Watford Junction ? they may have been more knowledgeable about ticket validity Do the boundary tickets have to be looked up in a book rather than just entering the details in to the machine ? I buy a cheap day return Bristol Temple Meads - Cheltenham Spa and Cheltenham Spa - Birmingham its cheaper than a Bristol - Birmingham saver but the Bristol ticket staff claim not to have the fares manual covering Cheltenham that was years ago (APTIS machine) and I assume the ticket machines today have the fares listed and only need the first few letters of the station entered even so I have found some staff at ticket offices outside London do not know how to issue One Day Travelcards , it helps if I have a previous ticket to show and even then they have problems issuing the ticket if I have used a railcard because it seems they need to know the full fare lol - so I had to get a leaflet from the rack with the full fares Traveling from Nottingham to Norwich it can be useful to buy Nottingham - Peterborough and Peterborough - Ely cheap day returns and an Anglia Plus ticket except Nottingham station don't know what an Anglia Plus ticket is although the conductor knows how to issue it (direct train Nottingham -Norwich too) Which station did you complain to Southern about ? Watford Junction , East Croydon or West Croydon ? I have found Southern and Silverlink customer services to be better than companies based in the Midlands and up North , but Silverlink seems to have been relocated to Norwich and they are a bunch of yokels who don't even know what stations Silverlink covers one of them thought Great Malvern was on Silverlink

Regarding your question about referring the complaint to the Financial Ombudsman Did you incur the fees before the catalogue company joined the Ombudsman scheme ? do you know when the catalogue company joined the Ombudsman scheme ? This post on MSE states that the Financial Ombubsman will only consider complaints about matters that happened after the catalogue company joined the Ombudsman scheme , although the wording indicates that complaints about matters occuring after it joined the Ombudsman scheme are also excluded if the complainant became a customer before the catalogue became a member of the Ombudsman scheme The later seems to be outrageous So can anybody clarify whether the catalogue company is correct ? post is here ; MoneySavingExpert.com Forums - View Single Post - can i claim the admin fee from catalogues quote ; "As your account is in relation to a credit agreement that was sold before 06/04/07 you are unable to refer your complaint to the financial ombudsman service as we were not a member of a dispute resolution service until this date. I should advise you that if you do decide to refer to the FOS it is unlikely that they will consider your complaint. This is our final response."

JD Williams includes Simply Be Registration Number: Z6624329 Information Commissioners - Data Protection Register - Entry Details Ambrose Wilson Registration Number: Z6624255 Information Commissioners - Data Protection Register - Entry Details All owned by N BROWN GROUP PLC NBrown Corporate website so I suppose you could have one £10 refunded ,however if you choose to send more than one subject access request they can all be treated as separate requests - you could ask for all personal data excluding transactional data , then when you have received that you could write again asking for only transactional data - that will cost £20 If you had sent one £10 cheque to cover all three catalogues , you may well have received it all for £10

I had a People's Bank Connecticut Comic Relief credit card , they sold to Citibank - the card number starts 4479 I remember using the card in a supermarket oop north and the thicko checkout operator asked the supervisor whether she could accept the card ?????? lol It reminded me of Nana from the Royle Family asking the vegetarian if she could eat wafer thin ham ?and then the thicko refused to accept the card for less than £1 , although I always thought £1.09 was more than £1 - where do they find these thick staff ? This website has now closed

yes - it's all out of date by over a year - what a bunch of useless muppets what's this pathetic waste of space link ? http://nwwtest.nhs.uk/England/Dentists/NearestSearch.aspx it was working a few days ago - now it wont load and everything was out of date anyway (it's number 3 result on google nhs dentist find - Google Search ) I haven't been to the dentist since I was a child , when visiting one a few days ago they said they are not accepting new NHS patients (I am not fee exempt) and it is £60 for a new patient check up as a private patient and I could be seen in a few days , this isn't a problem as I have a health cash plan and don't have toothache but I have seen websites for other dentists charging less (perhaps £60 includes VAT) I noticed a dental surgery in the borough with a sign stating that they have a new dentist and were taking NHS patients , but of course the NHS site doesn't even list this dentist as existing and I wanted to check whether it is male or female I was about 30 miles from my home address yesterday and saw a dentists with a sign stating NHS patients welcome so I was wondering what the rules are regarding registering with dentists out of the area that the patients resides bearing in mind I would not need to visit regularly , I assume it would not be a problem for private patients I live in a very low class area and would rather travel to a more affluent area for my dental requirements , the reception staff are of the same quality as the checkout staff found in Kwik Save and Home Bargains

What happened with this ? I would have ordered something else from Freemans (that wont fit through the letterbox) , when the courier tries to deliver it refuse delivery and hand back the goods you wish to return (they get paid extra for collecting returns) These big catalogue companies tend to be based in very low class areas - so you will deal with staff from these areas and they will forget that you might not live in such an area

Yes - it is a counterclaim PART 20 - COUNTERCLAIMS AND OTHER ADDITIONAL CLAIMS You will need to pay the counterclaim fee and claim back the £968 charges using the particulars of claim templates mentioned elsewhere on this website your post is the top 4 search result on google close brothers credit card - Google Search I doubt that Close Brothers have experience in these claims , the terms and conditions on Welcome to ArrowCard state a £12 fee , so I am assuming that that they have reduced the charges since you were charged Having said that you haven't paid the £968 charges so you wouldn't need to recover the money you haven't paid by counterclaim so defence is more appropriate In what order did the bank apply the money you have already paid (if any) if it went to pay charges first rather than the balance then I suppose you would counterclaim for that I am not an expert on bank charges however You will need to ask someone more knowledgeable

I'm happy to see the arguments picked over with a fine tooth comb - I didn't write the legislation after all the terms and conditions on mail order websites often state; "we do not refund the return postage cost or the original delivery charge" "Should you cancel the contract we will then refund you the price you have paid for the goods, THIS WILL NOT INCLUDE THE DELIVERY CHARGE if you have cancelled after your order has been dispatched" If I order a pair of socks - the socks may cost £10 with £5 postage & packing making a total bill of £15 , if I return the socks it will cost me 60p second class postage for slightly over 100g large letter The mail order company only wants to refund £10 and keep the £5 original postage & packing fee which is not allowed under the legislation 3.48 ; "The DSRs require you to refund any money paid by or on behalf of the consumer in relation to the contract to the person who made the payment. This means the full price of the goods, or deposit or prepayment made, including the cost of delivery. The essence of distance selling is that consumers buy from home and receive goods at home. In these circumstances, almost every case of home shopping will involve delivery of the goods ordered and so delivery forms an essential part of the contract." 3.10 "for goods – whether you require goods to be returned by the consumer and if so who will pay for their return. For more information on this see paragraph 3.55" The cost of returning the goods can be made the responsibility of the customer but nothing in the legislation permits the mail order company to retain the initial delivery charge Distance Selling Regulations statutory instrument here Statutory Instrument 2000 No. 2334 Do you remember the Two Ronnies sketch where Barker walks into a DIY shop and asks for "four candles" and Corbett gives him the candles. What Barker wanted, however, was "fork handles - 'andles for forks" (as in pitchforks). http://en.wikipedia.org/wiki/Four_candles "In this sketch a Hardwareshopkeeper (Corbett) is confronted by a customer (Barker) clutching a shopping list. The customer appears to ask for four candles. The shopkeeper complies but customer merely repeats his request leaving shopkeeper confused. The customer rephrases his request to reveal he in fact wanted fork handles. He then asks for plugs. To try and avoid a similar mistake the shopkeeper asks what kind and is told "a rubber one, bathroom". Believing that he is asking for bath plugs the shopkeeper gets out a box of them and asks for the size. By asking for "13 amp" it is revealed he in fact wants an insulated electric plug. He next asks for saw tips. Confused the shopkeeper asks if he wants ointment. After a better explanation the shopkeeper explains they don't have any. This causes little to no frustration. He then asks for Os for a garden gate. This item causes the most frustration with the shopkeeper bringing a hoe, a hose and pantyhose to the counter before before working out what he wanted. The box of garden gate letters is noticeably difficult to get to and put back, requiring a ladder. When he asks for tins of peas the shopkeeper, believing him to be asking for Ps for a garden gate, is understandably annoyed as they are in the box he has just put back. The customer waits for him to get the box down before better explaining what he wants. At this point the shopkeeper first suspects it may be a joke. He then asks for Plimsoll shoes, referring to them as "pumps" the shopkeeper asks him to elaborate. The customer complies by asking for "foot pumps". The shopkeeper brings a pneumatic pump to the counter. The customer then reveals he wants "brown pumps size 9". At this point the shopkeeper becomes convinced that the customer is playing a practical joke on him. After he asks for washers the shopkeeper, out of desperation and annoyance recites a long list as to what this could mean. The customer then explains he want tap washers. At this point the shopkeeper, having had enough, snatches the list, reads it himself and seems to take offence at something there. He decides he cannot tolerate the customer any longer and calls his assistant from the back to complete the order. The audience later infers that the shopkeeper misread Bill Hooks believing it said [/url][naughty word]." http://www.youtube.com/watch?v=Cz2-ukrd2VQ Imagine this transaction being carried out by mail order with the Distance Selling Regulations being in force The Office of Fair Trading: Amazon and BOL agree to refund delivery charges 'The Distance Selling Regulations give consumers the security to buy from home, confident that they can change their mind once they have received and seen their goods. Consumers are entitled to a refund of normal delivery charges when goods are returned.' The OFT is currently in negotiation with a number of other companies under the Distance Selling Regulations regarding the refunding of delivery charges."

Thanks - I don't get an auto reply to all emails and adopt the attitude that if they don't reply I will send a letter instead If they do reply then I would consider the reply proof that they have received it I received replies to my emails from some of the companies and they refuse to refund the delivery fee ME01273 has said they can deny receipt even if they have replied to it as far as preliminary letters are concerned , I wasn't aware of any requirement for this , having read bank charge threads on MSE , the amount of letters and things like including all previous case law with the particulars of claim seems excessive for the more simple claims such as distance selling I doubt that these were used widely in small claims before bank charges claims became popular and I appreciate that you would rather provide to much info than too little for these cases Is the preliminary letter mentioned anywhere outside this forum & MSE ? obviously I don't want the claim to be struck out and will have to check the consequences of not sending a preliminary letter - 2 letters of claim would be the same as prelim + letter of claim I suppose ? I have seen people being advised to write giving 7 days notice of legal action , I am aware that courts consider 14 days reasonable anyway I don't like asking "newbie" type questions - is there a thread on this forum detailing the consequences of not sending a prelim letter and just sending a 14 days letter before claim ? I have read threads on inadequate particulars of claim for example If I don't send a prelim letter and just send the letter before action I will lose my fee ? - I have only read that this will happen if I issue the summons without giving the defendant the opportunity to resolve the matter and pre-action protocol does not apply to this case

The Consumer Protection (Distance Selling) Regulations 2000 Statutory Instrument 2000 No. 2334 Requires refund of the delivery charge The Office of Fair Trading: Amazon and BOL agree to refund delivery charges 'The Distance Selling Regulations give consumers the security to buy from home, confident that they can change their mind once they have received and seen their goods. Consumers are entitled to a refund of normal delivery charges when goods are returned.' The OFT is currently in negotiation with a number of other companies under the Distance Selling Regulations regarding the refunding of delivery charges. http://www.oft.gov.uk/shared_oft/business_leaflets/general/oft698.pdf PDF "3.35 Consumers who have cancelled under the DSRs may refuse to accept delivery of the goods. Refusal in such a situation cannot be treated as a breach of contract. " If the customer refuses a delivery from Royal Mail the item is returned to sender without further charge , what is the position with couriers used by catalogue companies ? do they return refused items free or do they charge the catalogue company - I know they get paid for collecting returns from customers If the goods are not retuned at the customer's expense then the actual cost of delivery back to the company can be deducted from the refund - that is my understanding , what happens if the courier charges the company - I am aware some charge extra if not delivered on first attempt

OK - Thanks I won't risk it and will buy some stamps then It eats into the £3.95 delivery charge that I am paying £30 to recover - although they have no defence, winning a case and being refused the fee will mean I am out of pocket Since most mail order companies do not comply with The Distance Selling Regulations I am considering sending the "Letter before action" with the goods being returned to save paying for another stamp From DWELL ( link removed ) "We do not offer a free returns service, we do not refund the return postage cost or the original delivery charge, we do not offer a free collection service, and we do not accept responsibility for items lost or damaged in transit back to us. Damaged items will be replaced. We do not refund damaged or faulty items. Please contact our Customer Service department to arrange a replacement. We may require you to return the item to us so that it can be checked or returned to the manufacturer before issuing a replacement. Any item(s) collected from a store or our warehouse must be inspected thoroughly. We do not accept returns of any damaged items once they have been collected." This does not affect your statutory rights. LOL From Hamleys ( link removed ) "Under the Consumer Protection Regulations, you have the right to cancel your order with us at any time within 7 days of receiving your goods. In the event we are unable to deliver your order within our standard delivery timescales you are entitled to cancel your order with no penalty. As we do not take payment for online purchases from your credit/debit card until your order is dispatched, you will not have been charged for the order. This also applies to individual items within a larger order, where some products have been delivered but others are not available. In this instance, you will not have been charged for the non-delivered items. Should you cancel the contract we will then refund you the price you have paid for the goods, THIS WILL NOT INCLUDE THE DELIVERY CHARGE if you have cancelled after your order has been dispatched, also not a service provided by us, such as a special delivery service. You are under a duty to take reasonable care of the goods, which means the goods must be unused. Please contact our Customer Service Team should you wish to cancel your order." Even websites that do claim to refund the delivery have not done so my experience = 2 companies refunded the delivery charge without question 3 companies refunded the delivery charge after threat of legal action 3 companies have refused to refund after threat of legal action 2 companies have not bothered to refund the goods or delivery charge - I refused delivery from Royal Mail for one and returned the other one - neither of the companies had provided a return address on the outside of the parcels So thats only 2 out of 10 complying with the Distance Selling Regulations - what an utter sham ! Do you think I can proceed with the one where I stated that I would take legal action if the delivery fee was not returned and enclosed the letter with the returned goods (I had already cancelled the order by email)? I think I may chargeback the two which have not refunded the goods or delivery , but I don't like the fact that it costs the credit card companies money to deal with these claims No doubt I will get the nutty judge who thinks that the refund is conditional on the goods being returned when the regulations state the contary - I am talking about the refused delivery item without the return address on the outside sent using Royal Mail Flat Rate Packetpost and it seems that business customers are required to put their address on the outside under Royal Mail's terms & conditions

Is there any reason why I shouldn't send letters before action by email ? (Distance Selling claim) I don't want to be accused of not attempting to resolve the matter before issuing the summons and thus not being awarded my costs eg the court fee The defendant has replied to the emails but they are ignorant of the law (refusing to refund the delivery charge) The Distance Selling Regulations mention email eg I can cancel an order by emailing the mail order company also serving documents "by other electronic means" (does that include email ?) is mentioned on County Court form N215