Nope. Not yet. All we got is 'all we can do is apologise' and we'll see if another doctor has any free appointments next week.

Really annoyed with this. Made private appointment with my wife because shes been ill recently.

Turned up for appointment, showed us to waiting room, sat there for 30 mins. I went back to reception - turns out doctor wasn't even there, she'd been on maternity leave for 7 weeks!

I'm self-employed consultant so this waste of time has cost me a fair bit of money. If we hadn't showed for appointment hospital would have charged us for a missed appointment.

I'm going to complain but surely they should compensate me for any loss? And don't even get me started that theres now a further delay while wife has to find another appointment.

(p.s. Anyone looking to use this thread to criticise my choice of using private medicine - don't bother not interested in your opinion)

Yes your friend is technically correct about only being able to use NCD once. But you may get away with it, if your new Insurers don't need dated proof of your entitlement to NCD. Some Insurers just ask you for the other Insurance policy number etc, from which you will be using the NCD proof. They don't then need a paper copy of the NCD. If new Insurers require a paper copy of the NCD, it may just show the NCD and they may therefore not pick up that for 2 weeks, you used the NCD on previous policy. There is no central database that Insurers use to see whether people are already using NCD entitlement. It is often down to the policyholders good faith in telling them the truth.

 

Should not be a problem, so don't go out of your way to tell Insurers what happened. As long as you have now cancelled the previous policy. If you tell them about this 2 week overlap, they will probably try to charge you the premium difference for the 2 weeks, plus an admin fee.

I guess this is better than having to pay the whole policy with 0% NCD. But I guess with admin fee it could be a few £.

At the moment, I sent them NCD from end of previous insurer (3 months ago) because I didnt have this new one. Probably should sent them that when I do get it?

Are there any rules that state you have to send the absolute latest NCD? Will the insurer I just cancelled even send me this since it was only a part year in effect? (Both will say 9 years full though I guess).

Just sold my old car. Worked out better to cancel insurance and start again with another company so I did this (or thought I had).

Anyway, started new policy then realised I hadnt heard from first insurer. Phoned them and they hadn't cancelled policy. This meant I had two insurances both using NCD.

I know the rules state that you can only use NCD for one policy. I thought first one had been cancelled.

Friend tells me that, strictly speaking, I had no right to use NCD when 2nd policy started so even though its sorted now insurer could tell me that NCD is not valid (because I had none to use on day policy started).

Is this right? Seems a bit unfair. Bit scared to phone insurance company in case they tell me this.... and make me pay £500 more....

Not even answering the new customer number now. Doesnt bode well.

Lots of people getting problems with these jokes at the moment myself included. Seems the last few weeks they aren;t even answering the phones.

Been trying to sort out problem with MILs broadband for weeks but there are some people without a phone and they just can't get through to them. Rumour is they're in financial trouble.

Basically, myself included, there are people paying for a service and not getting it. Not sure where to go next with this - can't complain if you cant speak to them.

Cancelling the DD won't do much because you still wont have a service.... Anyone got any ideas?

I have a medical condition classified as a disability. My employer has a policy of not allowing overtime for 1 month if you are off sick in order to cut down on sick leave. I'm rarely off sick but have occasionally been ill due to my disability. Can they legally stop me doing overtime if I can prove my sickness is due to my disability as I'm obviously going to earn less than someone who is not forced to be off sick because of my condition?

My wifes a nurse and she occasionally gets to do private work at the weekends for which the pay is very good. However, shes just been banned for 3 MONTHS because of her sick record !!!!! (its not that bad).

I was wondering whether an employer can legally do this?

My wife has had a few sick instances recently - nothing too major but

one of these was due to a car crash she was involved in.

Anyway, she had a sickness interview at work, and has been told that

shes now 'banned' from overtime at work for 3 months. The overtime in

question is well paid (compared to the job!)

Shes not the only one in the department to suffer like this (About 1/3

of the staff are similarly banned).

Can an employer make up their own rules and punishments like this?

The bulk of them work in this way, and the cashback scheme for mobiles is justly derided as a con in the truest sense of the word. You were never meant to get your money back, ever.

 

You can take them to court to force them, but if they defend it will be your word against yours unless you took steps to have independent verification of contents. You run the risk of spending more money with the possibility of getting none of it back, especially if a non-high street operation. The biggest collapse to date, Dialamobile of Birmingham proved that schemes like these should be avoided at all costs.

 

Your best recourse is to contact your network and explain what has happened, they will usually agree to a contract tariff reduction (but not much else) to keep your monthly payments close to what you thought they should have been with the cashback. You will of course see a loss in the number of inclusive minutes.

It seems that this sort of behaviour is pretty much the norm for Cool New Mobile judging by this:-

http://forums.moneysavingexpert.com/showthread.html?t=187496

Looks like quite a few people have issued a summons, and then CNM have paid up eventually.

I guess its easier for them to pay these instances rather than have the hassle of going to court and pick on the people who dont bother to fight it.

Well - if you go down the route of obtaining a Judgement, you need to cover the usual bases, keep copies of everything you send, and be able to supply copies of any 'missing' documents. Also have an independent person review the actual contents of the letter as sent, so there is no issue over whether the items were included or not. Finally, all claims need to be submitted by Recorded Delivery which confirms delivery. For all you know, those who HAVE been paid have taken these basic steps and ensured payment!

Hmmm. Well, did one of these things - sent the item by recorded delivery !!!!

Didnt have the contents check (obviously!) or copy ALL the documents I sent (did copy the bills)...

Give up?

 

The firms that offer these schemes never had any intention of paying out - when they could reasonably disallow making a payment due to non-compliance, they very quickly realised they were in such a strong position and made more money by wrongfully invalidating claims, most folk ended up letting them get away with it.

 

I'd like to go on and say if you hold out for your 'rights' you will be rewarded, but the bottom line is as they had never any intention of paying out, it is not an error you are trying to rectify, but an attempt to change their policy and enforce a payment that they will do everything in their power to resist, even if it means them going bust, as many have done.

 

Cashback is the replacement for timeshare and points scams, the respected property companies and networks that give the scheme an air of legitimacy are not party to these side deals, and as a result you can end up pouring good money after bad - an additional £50 in court fees for a judgement (with no enforcement) just adds to the agony with no guarantee they simply won't pack up their tent or change their name, directors then disappear.

To be honest, I dont think they're about to go bust or anything like that. It seems that people have been complaining about them for a few years at least so theres no reason to think they're going to disappear any time soon!

However, it does appear that 'some' people have had no problems with them and do get their cashback. Quite why they've decided to pick on me - I dont know. Perhaps if they're having a bad month with a lot of cashbacks they'll pick a percentage at random to disallow ???

Surely, if I get a judgement, then I can enforce it and I will get my money (assuming they dont disappear like you said).

I got a phone through OneStopPhoneShop. As you all know there are very strict rules to claiming your cash back. I was not able to fulfil them and they therefore offered me nothing!

 

But the law is on our side, even if you didn't obide by their unfair rules. The terms and conditions that they use are unlawful as they are:

 

5. (1) A contractual term which has not been individually negotiated shall be regarded as unfair if, contrary to the requirement of good faith, it causes a significant imbalance in the parties' rights and obligations arising under the contract, to the detriment of the consumer.

 

There is also a precedent case on strict conditions for obtaining cashback where the FSA decided on the side of the consumer.

 

I have taken my small (£100) claim to small claims court, explained to their solicitors my case, and they gave in, after placing a defence, offering me all my money + court fees.

 

Don’t let them con you out of money even if it’s only a few £100.

 

If you need advice or templates please le me know, only to happy to help.

I'm having problems with Cool New Mobile....

Sent me claim off with all the documentation on time. Had email to say they recieved it etc. Waited for two months, had email to tell me cheque was going to be sent.

Then I recieved a letter telling me that I hadnt included one bit of documentation (I HAD !!!) and that this and future claims would be invalid. Total lost £420 !!!!

Even though this piece of documentation was included on the claim form (its original despatch note), the T+Cs when I took the contract out did not mention this at all. I notice now T+Cs have been changed to say claims will be invlaid without this document.

My wife has done the same deal (a few days later) so I'm waiting for a similar letter!!!!

Easy way for the company to make £420 or what? Play along as if everythings OK then at the last minute 'lose' the documents and say the customer never met the T+Cs...

Any advice or templates I'd be grateful....

I've written to them advising them of my attitude and threatening legal action.

6 months ago started a mobile contract where after x months you send a

bill in and claim cashback....

Anyway, did this a few months ago, and send all the relevant docs as

per the terms and conditions of the offer. Today I have had a letter

telling me my claim has been disallowed because the handset despatch

note was missing from my claim. Funnily enough, this letter was

recieved 1 day after the 60 day limit on claims had passed, so I cant

sort it out, so they're not going to pay at all...

However, a few things to note:-

1. I did sent the despatch note with my claim - and I sent it all

recorded delivery. Bit convenient that one important doc has now gone

missing.

2. The original T+Cs (which I printed out when I took out the offer)

did not mention the despatch note in any case. It appears the T+Cs on

the website have since been changed.

I've pointed this out in writing to them, and am hoping they're going

to see sense.

All sounds like a bit of con here by this company. Surely they cant

carry on like this?

If they say no, what can I do about it? OK. I can take them to small

claims court but what are my chances? Amount is £84, so how much would

that cost to start a claim?

BTW. My wife also did the identical same offer, but started a few days

after me. Whats the betting that shes about to recieve a similar claim

denial letter ???