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Merker

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Everything posted by Merker

  1. I have asked her now a few times for the full history over the last 2 weeks since starting the thread. She said she would find all of that out but still hasn't. I will remind her to look again, if not she will just have to sort it by herself. Thanks again and I will update the thread if I get told that info
  2. I only know certain details (will add more as I know) but thats so much to all who give advice. Truly appreciate it. Lets say it's like this for now (Don't punish me, i'm just the messenger): My girlfriend got a CC out with Halifax. For whatever reason she had problems repaying it. From what I heard her Monthly charges got out of hand and became more than what she can afford to pay back per month. She asked for an interest freeze and a repayment plan to be set in place.... They said nope. She has been trying to repay bits and pieces when she can (Literally on a shoestring b
  3. Thanks very much CagBmn. I think that seems like the option then (phoning them). I'm sure opening a new basic account would be quicker but the only problem then is I would have to change over about 7 direct debits and change the account my weekly wages go into. Thats a relief that it would be paid into the account, just means it's 1 less thing when/if Santander play ball. I dont understand their concept of "secure messaging". I always thought it was a system for people who don't have enough free time to go into the bank or wait on the phone to talk direct about account enquiri
  4. Wondering if anyone knows about downgrading my bank account with Santander. They have been quite useless so far. In the middle of last year I wanted to downgrade my account from a Current Account (with a visa debit card) to a Basic Account (with just a cash only card). There is a logical and personal reason for this which I won't go into too much detail about. Anyway. I went down to the Santander branch to ask, they said they could not discuss it with me as I did not have photographic ID. I tried phoning them a few times but each time the line was busy and I was put on
  5. Thanks all, I'll take that advice and contact them, also will order 1 there thanks honeybee. Ganymede. I guess that's a fair point.
  6. Hey all, Not sure if this is the right section, had a look though and there doesnt seem anywhere else to post it. Just trying to get my first adult passport. Decided a few months back I was going to have a few holidays overseas, so of course I would need to get a passport. Complete horrified at the requirements as it seems like this government are forcing us to stay in this country. Problem 1: I have to send my mothers birth certificate and mine to them. As quoted from the government website "You must send originals - photocopies or certified copies won’t be accepted". P
  7. Thanks, Cant say im surprised with ebay being like that. It's highly unfair since ebay's profit comes from us seller's, so why should we have a 2nd class service. Ebay really need a kick up the backside or something. I'm still waiting to hear back from the person. They have had it a week or so and havent heard off them for a few days. I might do what you did. I'd rather have my account suspended than pay money back I simply don't have, especially with a potential loss of £500 on the line (if the customer has broke it)
  8. Thanks, will suggest that to them, hopefully they do that. I really think they want it to work, they seemed really keen and happy to have it when they said it had arrived. If it isnt down to the way they have it installed then it could well be that they received it, realised it's harder than what they thought to get used to and so don't want it
  9. Thanks dx100. The problem is its highly unlikely that it is a faulty item and at current I just have their word to go on, which I'm inclined to not believe (A new mid/top of the range bit of professional studio equipment is unlikely to go from working perfectly to partly not working during delivery). If SOGA was applied and they did co-operate and send it back to the retailer, the retailer would probably do extended diagnostics and more likely than not will find it fully working and so wouldnt have to issue any refund? Then it just comes back to the ebay seller, they cant
  10. Yea I agree with you. Usually with hardware faults either it works 100% (not just the demo tracks) or the whole thing doesnt work. or as a sign of excessive use over many years, 1 or 2 keys may stop working and could need re-soldering on their boards. Feels really frustrating just sitting and waiting because at any point the buyer could just open an ebay dispute to leave me out of pocket... We will see
  11. Thanks, I'm not too sure with the warranty on it but it's highly likely it would cost me to have it repaired. As it was a sold as seen item by the retailer, I have no idea if the manufacturer would repair it out of their own pocket. Plus if they did, the ebay buyer could say it isn't fit for purpose or cant be "new>other" if it's in need of repairs barely a few days after receiving it. Just messaging at the moment, they said they are getting their friends who know a lot about them to test it in their studio setup's and they will be in touch soon. This Keyboard/Synthesiser'
  12. Thanks for the reply, It's the Roland Juno Di. The slogan on the box is something like "made to travel" because these are very well built and designed for both studio use and heavy gigging on the road, so I just cant see there being any fault with the keyboard as it would of only been plugged in twice (Once at mine and once at the person who bought it's house) I Googled for possible problems and fault's and theres only been a handful of problem's with these, nothing on manufacturing fault's. Most were to do with the person not using the right software configuration or not having it p
  13. The problem hasn't fully happened yet but it's on the verge of it and I could end up £500 out of pocket. I'll try and be brief. At the start of this month I bought an electronic item off a website (Music studio keyboard). The RRP was £520 but I got it for just under £500 as the box was a bit crumpled from warehouse storage (The item inside however was brand new and completely sealed). When it arrived I took it out of it's box and realised it's a bit too big to fit where I wanted it. I knew I wouldnt be able to get a refund as it's not faulty so I decided to take it on the
  14. Thanks all, will have a look into the suggestions. Ummmm, forgot to say that was another mistake. I didnt sign a consent form. Well my original consent form was signed upon 1st arrival, when they ignored my local hospital's notes. The consent for was for a local anaesthetic nerve repair. However after it was delayed and I was finally called in for op, they changed it to general anaesthetic and the woman said "youve already signed a consent form so we can operate now".... I only signed a form for local anaesthetic nerve repair. Havent seen my consent form at all if im honest, I didnt
  15. I cant recall if I posted about this a while back (I think if I did it was more to do with claiming some ESA benefit instead of the mistakes by them). I really think they have messed up my arm bigtime. So it was just over a year ago. I had a laceration in my left arm which cut through my tendon. My local hospital diagnosed it as a cut "Flexor" tendon and "Radial" nerve. I was booked into a specialist hospital in another town to have an operation and the screw up's began. Upon arrival they ignored the notes from my hospital and claimed it was just a nerve injury... So less s
  16. Heres what happened... I always pay my orange bill via direct debit. My bill date is the 22nd of each month and Direct debit then comes out on the 7th of each month. In March I decided to pay my bill in advance via my card. This was so I didnt have to worry about my phone bill for a few months. As per their website regarding this it says: "On the top of all your bills you'll find your bill date. It's important because, while any payment before that date will lower your Direct Debit for that month, any payment you make after that bill date will go towards the month afterward
  17. Well to update... result. Santander have agreed that I was given the wrong information (That my loan was cleared and £0.00 was outstanding, even though there was 1 repayment left). Which lead to me thinking it was cleared and taking the money from my account to spend on things. Thus I incurred the £25 "unpaid direct debit charge". Once I had money in my account again and realised there must of been 1 repayment left, I phoned them, they confirmed there was 1 repayment left and so I paid it instantly. I explained to their support about the charge and how it was unfair (since if I
  18. Anyone? Saturday 13th (yesterday) has been and gone... They actually didnt try to take the missed loan payment. Cant understand it. Since it was marked as paid and up to date of my credit rating, could this mean their systems are indeed a mess and they think March's loan repayment has been paid and received? Still in limbo with it all, no idea with missed payment charges, interest or anything. Emailed using their secure email support system yesterday and didnt get a reply
  19. Hey guys, I took a 1 year loan out with them last year and I also hold a bank account with them. The loan was paid into my Santander bank account and repayments were made via Direct Debit from that account. Some time last month I had a letter off them which showed what amounts of my loan has been paid off. Repayment date was always the 13th and I think I had this letter before the 13th March. I had a quick read through it and it said all had been repaid, no missed payments. I checked on my credit report which updates every 30 days (last update was 9th April) and it shows Santand
  20. Thanks, she isnt getting housing benefit or anything like since she owns the house outright. Im guessing that £60 pension credit must be made up of pension credit + carers premium to top it up, meaning she cant get more than £30 a week for underlying entitlement. So if I was to claim both CA and IS.... that would give me just over £100 a week and I could do a £30 weekly food shop for her or something like that out of my cash so she isnt losing out. Edit: Just rechecked her pension info form and it says she gets "Pension Credit guarantee credit" so that must top it up
  21. Thanks, yea she is down as a carer from what the forms said (underlying entitlement) but wondering how much that is per week? so we can work out if its worth me going on it (like if I got paid more than what she gets for this "underlying entitlement", then it would be worth me claiming it instead). It doesnt say on any forms how much that would be and on her pension form it doesnt mention the underlying entitlement or carers premium
  22. Ahhh I see, how much would that premium be that she could be getting? Basically I know a few years back my grandmother spoke to a social worker who told her she would not get anything for carers allowance so she never actually applied. Just strange that she had a letter as well as me saying that they know she has an "underlying entitlement" and that her pension paid is that high per week. Typical of the DWP they didnt actually give amounts she was getting. Trying to work it out because if she will lose £60 a week and I will be paid £60 a week, its hardly worth me becoming the na
  23. Thanks guys, well it could be 147. I only glanced at her statement a while back. She did say she had a pension form with her name and new pension rates for april and it didnt say anything about carers allowance on it, just pension credit. I know whatever the amount is, its over £100 a week thus wouldnt that mean no carers allowance top ups would be paid as you have to be on £100 or less a week to get carers allowance? edit: just seen her total amount from april is £180.67 per week something like £120 for pension then an extra £60 for state pension credit
  24. Been a few problems with my claim... They send letters back saying my grandmother has "underlying entitlement" to carers allowance. Strange because she told me she has never applied for it before as she was told she wouldnt get it due to her pension. She gets paid something like £177 per week (Which shows on her statement as DWP pension credit or something like that). I have no idea how it will work out now, is £177 per week the normal for a pension? Would it mean if I sent back the forms and put myself as person to be claiming carers allowance that she would lose money? Th
  25. Thanks for the reply. I guess it may be difficult to backdate my IS from the sounds of that. I guess it was almost like "I dont know" as back at the start of Feb when my ESA payments were stopped, I didn't know that would be when the DR would stop giving me sicknotes (1 visit I was given a sicknote, the next a few weeks later I was better and didnt need 1 according to them). Then the ESA people only told me about going on Jobseekers, since my fit for work form only gave me the option of saying I was fit for work and was claiming JSA or that I wasnt given a DR's note but still consider mys
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