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

No one?

Hi all, Just a bit of advice regarding following: We took an interest only mortgage back in 1996 (endowment) and had the Commercial Union homemaker to pay off the mortgage at the end of the term (we have since moved to repayment type following the the forure of the endowment type mortgages) . The homemaker plan was sent to us with a covering letter from our solicitors.* As first time buyers we were excited at getting the mortgage, so we signed and returned the documents. Now we were not asked what PERSONAL protection we had at the time, we both get SSP, Death in service in our pensions, and redundancy. If it was just a case of saving the endowment way to pay the mortgage then OK, but did we really need all those extras? We were not asked! We stopped this policy back in 2006 when changing to a repayment term, but did not cash it in, so it is still getting bonuses. Royal London took over the insurance for the repayment mortgage, it was cheaper so it seemed ok, but on closer inspection found yet again that what the policy had we got through our employers, ie sickness, redundancy, death benefit. This was also not asked at the time. We have quite a few benefits in our jobs, I work in the Civil Service, and my wife's private insurance/pension is pretty good. We have cancelled the Royal London policy. Would we have any sort of claim? sorry it goes on bit. Cheers for any advice peeps

Cheers for that, keep asking the staff but not helping so will try the PAL's team.

Hi guys, sorry it's been awhile, and thanks for your words of support. Now for an update, the handcuffs were not used, mother-in-law trying to to make us smile, although he was brought home in a police car, but the police were ok, as they had done this type of work before! Father-in-law back in hospital having assessments as to what drugs will help, and what type of care he will need. In all probability, he will need to go into a nursing home as my mother-in-law says she cannot cope. She had carers coming in twice a day, but he has defo got worse. On top of this some of his clothes have gone missing at the hospital where he is!

The doctor has told my mother in law that my father in law must go into care, as she is now looking unwell, on top of all this my sister in law is currently undergoing chemotherapy, so even more stress for her. Earlier this week, I think it was respite, they left my father in law in a care home that has special care for dementia sufferers, a little sigh of relief for my mother in law and my sister in law to have a little breathing space. Later that day, I think, they sent my father in law back home in handcuffs by the police!! Saying he was getting very agitated. Why have a care home for dementia sufferers, then send him home as not being able to cope with him. All this has really upset everyone, doesn't anyone care anymore?* Where do we go now? Terry

A visit has been arranged, that was a pain as they were unsure, so my sister called them (Eaga/warmfront) and demanded they came.

My mother had her new heating installed last month, it looks an eyesore with heating pipes on the Walls. The pipes would of gone under the floorboards, but seeing as no one was going to get them up, decided to go up and around the Walls, I was horrified as she could easily burn herself on these *bare pipes. I sent Eaga/Warmfront an email stating this must surely be dangerous, and a visit must be arranged: Eaga warm front, Dear customer management, I would like to firstly like to thank you for the installation of my mothers new central heating under the government scheme. But the bad news it looks an eyesore, none of the pipework was hidden, due to not enough notification time regarding getting the floorboards up.* My mother lives alone and would of got me (son) and friend to get preparation work done so as to make the work more straightforward. Regarding the bare pipework, there must be a risk of my mother burning herself if she should have a trip/fall when the heating is on!* This really gives me concern, a risk assessment must be advised. Please either contact me by emai or write to my mother Yours sincerely* Terry Hackney Sorry if it's in the wrong category, but if anyone could show me the way to go with these idiots I would be most grateful Terry

Hi people, Well it was not sorted, that is why i have not posted for a while, here follows the sorry state of affairs i had with BT Broadband, get a cuppa before reading:lol: 17/07/2010 Reported Internet fault to Bt, did a line check and found fault on the line, was told to inform my supplier (post office home phone). Rang Post Office Homephone to report above fault, they would also run a check and to call back in 10-15 minutes. Called back to see what the problem was only to be told by an Asian sounding guy they would call back later, I explained to him that I was asked to call them regarding a fault, he insisted that they were busy and THEY would call me later, I also insisted that I was to CALL THEM within 10-15 minutes, told him that I also work for Royal Mail Group and was not happy with the way I was being misshandled, he kept being argumentative about THEY would call me later, I was so hacked off I hung up fuming. I then recalled, was answered by a very helpful lady, who informed me that there was a fault and would be reported to BT engineers. Now that last call put me in a much better frame of mind. 18/07/2010 Still cannot connect to the Internet, although I could after 10pm last night and before 10am this morning. Broadband should be top performing 24 hrs a day as it has been up until Saturday (yesterday). 23/07/2010 BT called me and said that the broadband problem is at the exchange, and should be fixed at the end of the day, a call from the egineers etc would confirm this. 2100 had no call, broadband still not working. 27/07/2010 Nobody turned up from BT, rang them and told them an engineer was booked for today, they said nothing was on Their system I said that I received a text message last night confirming today's visit "We'll visit you on 27/07/10, between 13:01 and 18:00. To change any of these details call 0800 111 4567. 20:33 2707/10" Spoke to their complaints manager, who said that 10 days was not good and would speak to the engineer side so as to make this a priority, and would call back, I pointed out that I would contact Ofcom if this continues, he wanted to get it sorted and would call me back tonight. Seems as though the right hand dosnt know what the left hand is doing. BT called back and said they are running tests on the line (yet again) and will call me back. Probably tell me there is a fault and to report it to my supplier (yet again). Called me again to inform me an engineer will call Wednesday 28/07/10 between 13:00 and 18:00 06/08/2010 Broadband down again Called Bt to make a complaint. Told complaints manager He/BT are not fulfilling thier part of our contract 18/08/2010 Broadband still not working. BT called to inform me that work is being carried out and should be completed by Friday. I informed him that I have made a complaint to Ofcom. He had a could not care less attitude. Another engineer will be arranged to visit me (4th) and another half day lost. 20/08/2010 Bt complaints called to say an engineer will call o Tuesday 24/08/10 and hopefully problem sorted, I sasid this have been done ages ago, she did appolagies and mentioned compensation regarding their customer code. Time more time wasting excuses. 24/08/2010 No engineer, and still no service, BT are the most useless bunch of idiots around. called BT, guess what, nothing on their system for a visit. 27/08/2010 had enough, signed up to Sky, managed to find, through mobile costly internet, the ceo`s email address, message was as follows: Dear Mr Livingstone Myself and BT have a contract, I pay for a service ie Total Broadband, and you supply the service. But since 17/07/2010 I have recieved little service, and since 13/08/2010 I have received no service at all! This is a breach of contract, and I am cancelling this on the 02/08/2010. I cannot belive BT run a complete inept service, I used to be a great supporter of the Total Broadband service before the afore mentioned dates, but I do not want an unreliable service, unreliable engineers and an unreliable customer service who never seem to know what's going on. I have raised this issue with Ofcom, Ref no 1154753556, who also agree that you have breached the contract between us. I should also point out that I will be seeking compensation, to which I am entitled to. Yours Dissapointedly T Hackney (Mr) I had a call that evening from senior complaints manager, Darren Rogers, and an email: Dear Mr Hackney Thanks for speaking with me today and I'm sorry we haven't been able to sort this out for you. What I've have done is to provide a MAC - (valid until 26/09) Also, once you receive your final BT Total Broadband bill, there may be termination charges on there. Don't worry about these, I'll arrange for these to be removed. I hope you're happy with what I've done for you. I'm sending an email about how I've dealt with your case and BT in general. Please give us your honest opinions. If there is anything else I can help with please give me a ring or drop me an email. For anything else our customer services are happy to help on 0800 800 150 or online at www.bt.com. Once again, I'm very sorry for the problems you've had. Darren Rogers Executive Level Coplaints (BT Retail) I have not recieved an email about how he has dealt with my case, and BT in general, I have, of course kept the email, incase they decide to chase me for the money i may owe on cancelling my contract early, i would love them to take me to court, as i have plenty of memos that i have kept on bt on a daily basis regarding their crap service. 09/09/2010 Back on Broadband with Sky. BT could not fix problem for 7 weeks, gone over to Sky and problem sorted within hours!! BT are CRAP. I hope this note has not gone on too long, but i felt i had to let you all know, that BT are the worst for customer services etc, and do not put up with it. As i may of stated, you pay for a service that is not supplied, to me that is breach of contract. Any comments peeps?

Thanks locutus, It seems all sorted now as new piece of wiring was changed, new inbuilt wall asdl filter also fitted, and today received a new homehub, so far so good. Thanks for the info, have kept it in case

Hi all, Have had problems with BT Btoadband since 17/07/2010, at one stage i had no service for several days, which meant i could also not use my BT vision (as it runs via broadband), i also missed a mortgage payment which meant a £40.00 charge! as i do a lot of my banking online. I have also called thier customer (none)services, which did put me on priority, the problem was found between their green box and the exchange, and would repair it asap. It has been running and dropping since. The last one dropped big time last Friday, I called again and this time told them as we (myself and BT) have a contract, it was them that was breaching thier side as i was paying for a service which i was not getting supplied with, am now waiting for engineer to visit me. If nothing is sorted out to my satisfaction, where do i go next? would legal action suffice? Terry

Getting back just over 2k from Black Horse, including 8% interest within this month, they wrote saying that they had not mis-sold ppi, but as a goodwill gesture they would pay it anyway, yeh right then!! No good with Wagon Finance, there was not a policy with the loan. Just waiting to hear from Northern Rock now.

I sent the first letter, above on 26/11/2009, 2 months later, all sorted. As with LV, this was about the same timescale. Now in the process of squeezing Northern Rock & Wagon Finance, although i dont have much chance of success with Wagon Finance.

Me v Lloyds - won 3.2k Me v LV - won 6.1k I just sent them this email: Dear Sir/Madam, Re: Loan reference: / Payment Protection Policy No: I purchased the above policy from you in connection with the Loan referenced above. I believe that I was mis-sold this policy for the reason(s) given below, and wish you to investigate my complaint according to your normal complaint procedures. .. The policy exclusions weren’t explained to me before or at the time I took out the insurance. I was therefore unable to make an informed decision as to whether this insurance was appropriate for me . . . It was not explained to me that the policy premium would be paid upfront as a single premium and would be added to my debt and attract interest. . Please now investigate my complaint within the eight weeks allowed to you. Yours faithfully, TH Nice to squeeze thier pips dry (ppi) And all sorted within 8 weeks.

Thanks for the info, will start a thread when things start rolling. Terry