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About jjphillips

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  1. Did something like this about six years ago to reclaim old banking charged. But recently was told none of my previous visa of mortgage paper work can be found. Platform, I'm told went bust a few years ago.
  2. Hi folks. I had ppi sold on my in shop loan on my credit cart with nat west on the CC with halifax on first mortgage with Halifax second mortgage with Halifax on final mortgage with platform loads on my capital one credit card. I have a brain injury and just an not dabble to fight this properly. I'm tired of people taking the mickey and just ignoring my request or just confusing me so I can't proceed. I now tony have any of the paper work except the platform loans. Everything else is lost. It all goes back over 18 yrs. can I get some one to help? I don't mind paying a fee. Thanks for your time John. We realy could use the money as am retired with my occupational pension. I don't get any benefits. In fact they took over three thousand from me when my pension paid out. I've had enough nowSeeing my family suffer day after day because I can't work. Our son had ADHD heating bills are in the thousands. To be honest they would be better off if u was dead. It least they would get more help and still claim a widows pension some one please help.
  3. Hi everyone, My wife and I just bought a new car (well new to us). The car was from a small used car dealer in east Kilbride. The clutch fail just yesterday, two week after we bought it. We called th dealer who told us that he was not going to repair the car and we could not get our money back either. Well we did some more digging today and discovered the car had failed it's mot two weeks before we bought it. The car subsequently passed it mot the next day but with advisory notices. When we bought the car we were just given the mot without the advisory notice. We got in touch with the dealer who has now said he cannot do any thing as his boss is abroad for two weeks. We paid over £3000.00 for the car so no small claims ( we're in Scotland). Can anyone help. Dose any one know of a lawyer in south west Scotland who could help. I am not working just know due to a brain injury I acquired last year so we're on benefits just now. So if any one knows a lawyer who will take legal aid or who will pursue the dealer for fees I would appreciate it. We live in a very remote area and have two children one of whom is disabled. So the car is very important. Thanks for the help John
  4. Hi everyone. I finally got a reply this morning telling me that mobiles.co.uk must have the handset returned within 48 hrs or I would be liable for the full contract. Rubbish i thought. Here is the reply Hello Mr Phillips, I have set up a return for cancellation for you, please follow the instructions below. We can confirm your returns number is xxxxxxxxxx for IMEI:xxxxxxxxxxx We request that you send this package back to our warehouse via Royal Mail Special Delivery within the next 2 days. If the goods are not sent back to our warehouse within the next 48 hours and the disconnection fails due to lateness then you will be held liable for the contract as you have been informed of frame for return. All equipment included in the package, which may include a free gift, needs to be sent back to our warehouse in the original packaging. You MUST RETAIN the SIM card (expect for a sim onlydeal) sent to you as you are responsible for the safe disposal of the SIM card. You are liable for any charges incurred against your account until it is terminated. If you use the SIM card after we have set up this return for cancellation it may prevent your account from . When sending this package back please include the following: Invoice – Showing name and address Returns number All accessories which came with the handset Free gift (if there is one on the order) All goods need to be in original packaging. Once the warehouse receives this package back within the 14 day cancellation time frame the contract will be sent for disconnection with the network. This can take 3-5 working days to . We request that you contact Talk Me Though It TMTI Gadget phone support on 0870 429 6091 and Phone Care Insurance on 0870 111 7002 to notify them that you are cancelling the order . Should you have any further queries or questions please do not hesitate to contact us. Sorry about the editing but I had to use my iPad and it has crap basic editing features. Well the phone was posted this morning by next day delivery but even that on a Saturday will not get to them befor Tuesday. So any advice? Can they really insist the phone must be in the warehouse in two days? Thanks John ==== Lubna Aziz Correspondence Advisor Mobiles.co.uk -- Mobiles.co.uk Customer Services Team http://www.mobiles.co.uk
  5. Hi yes I did do a check online at the orange web site. I put my postcode in and it said I was good for voice text and email. I have sent an email to mobile.co.uk asking for cancelation. So will post as soon as I get a reply. Thanks
  6. Hi all, I got a new mobile phone today. It was from online web sales mobiles.co.uk. I had researched which carrier to go with and after checking oranges web site i decided that they were the ones. However, when i got it i tried to use it with the free pay as you go sim that was also in the box. No signal so i roamed around the house trying to get a signal, none. So out i went to try getting a signal, none anywhere in the village. So i want to return it. the contract sim was in an envelope marked "by inserting the encolsed sim in your handset and using it , you have signified your acceptance of the terms and conditions enclosed and will not be able to return your handset or cancel your air time contract under the consumer protection (distance selling) regulations." So since i did not use the service can i still return it? Thanks for the help.
  7. Insurance said it was not caused by hitting a pothole but mechanical failure but they will repair as I said in my last post, they paying £900 and me the rest
  8. I can't remember what the parts are but insurance man said they had broken because of wear and tear.
  9. The independent assessor has said it is repairable and they will pay £900, I have £250 excess to pay plus an extra £150+ for parts that aren't covered by the insurance. Could I contact them and ask them to scrap the car and pay me out? Someone has said you can do that, but I am not sure if you can and if so, how to go about it. I would value any help please. Thanks
  10. We had a phone (after my email to the insurance company asking them for a written explanation of their finding) saying that they were going to send an independent assessor to look at the car but I have heard nothing since. I will let you know if and when I hear something. Thanks
  11. Hi I was wondering if any one can help. My mother in law has recently had an accident in her car. While driving home from our house she hit a pot hole and broke the rear axle of the car. This happened last Friday and after some poor service the insurance underwriters have said the fault is mechanical faliure and as such is not covered by the policy. Can any one help? What rights do we have in this, and how do they determine the difference between accidental damage and mechanical failure. Can any one help us to get this sorted out? Thanks very much for your help. John
  12. Hi, I have been having real problem with stl. They have been realy difficult for over a year. since we paid of our mortgage. I have been off work sinc november last year due to an opperation which went south. In the course of the year i started having fits which turn out to be epilepsy. So now i get disability living allowance and incapasity benefit. Student loand ignored every letter or phone call over the last two years and even changed our address three times, then geting in touch with my dad and thretening him to get me to phone them. What can i do? the loan is from 1993. Is there any help i can get ? They have been telling me for the last few months that the loan is in default and they want it all. John Phillips
  13. Sorry for taking so long to get back. But I have been in hospital for some time. I didnt actualy sign any of the documents sent by the bank. I forgot all about them so my claim should still be ongoing, right? The bank are still persistantly applying charges. The latest was a good one. I wrote a cheuqe on the monday eveningit was put in the bank with the over night safe tuseday morning email arrives for failed item. I thought I would have at least 2 days to get the money in to cover the cheque. Hope you all had a good new year. John
  14. I have not been on here for a while but i was waiting to see what was going to happen. A few months ago i was refunfed half my charges I then sent a letter saying thank but where is the rest. I advised that if i did not recive the money i would proceed further. The reply from hbos was that if i did not sign a bit of paper saying it was all over they would want all the money back. Just at that time the news reported that all bank charge cases were being frozen untill a proper descision was reached. I had already spent the money. The letter gave me two months to make my mind up. It said that if they had not heard from my in the two months they would assume i still wanted to pursue for the full amount. I forgot about the letter untill it was too late. Where do i stand now. And dose anyone know what has happend regarding cases against bank charges? Please help. Ps i have been trying to change banks but now i cant even get a credit card never mind a new account with a diffrent bank. Happy New Year
  15. I got a letter in from the bank this morning and i need some help. so if any of you feel up to it could you please advise. most, if not all of my charges are for failed direct debits. the letter from the bank says: "You referred to the guidelines on credit card default charges issued by the Office of fair trade (OFT). As the guide lines do not apply to bank account charges, I cannot comment on it in connection with your concerns. The guidelines are about default charges which people must pay when they break the terms of a credit agreement with a lender. As previously explained, the charges that you are asking us to refund are our fees for the additional work that we carry out when a customer requests a payment with out sufficient funds in their account." They go on to offer £691.00 for one account and £1098.00 for the other.and is signed by Rebecca Bowsher. Is it right that i cannot us the guide lines issued by oft? the letter i sent was a template from this sight. John
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