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whatamess

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About whatamess

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  1. Hi fkofilee It was a month late because i didn't know the interest was on there and they didn't write to me or email to say there was an outstanding payment on £3.68 on there. Its a real shame as we worked so hard for 2 years to clear our files because we wanted to move, we are now in the process and it has affected who we can borrow from for our mortgage.
  2. Hi there I got a late payment entry put on my now clean credit file back in July. I tried disputing this because it was for an amount of £3.60 which was interest that was put on the account after the full amount was settled. They refused to remove it so i shut the account down. Just looked at my credit file again and they have now moved the late payment date from July to Aug.. When i have an email from them saying the late payment and fee was for June/July, why would they have changed it and are they allowed to do that? They told me they promote sensible lending but last month they upped my credit limit to another £100 even though they slapped a late payment on my credit file just a few months before.. so annoying. Late payments are so damaging as i have recently found out. Thanks
  3. Hi after a really long 6 years with 3 defaults on each of mine and my husbands credit file we are very nearly free from them. The last default dropped of my husbands file was in July and my last one will fall on in Jan. My question is how long does it take for our credit scores to go up? My husbands has gone up slightly but not much. We make all payments for credit on time so no late payments or anything showing. We would like to move next year but worried that we will get turned down for a remortgage unless our ratings go up. Any Advice is appreciated.
  4. Hi Guys Back in Feb i booked flights to spain and the flights are in 3 weeks. I paid a higher price to have ealier flight times at 6pm as i didnt want the later flight because i have 2 young children. I got an email this morning to say my flights had now changed to 20.40 so 2hrs40mins later. No apologies just said that i could get a refund.Which im not going to do as the refund will probably take a week to get to me and i dont have the money to book more flights without it. This is a huge inconvinence to us as not only did we pay the extra for the earlier flight, but will now cost us more to pay to keep our room on in the hotel, probably cost more in car parking and means we wont get home till after midnight. Is there anything i can do? I dont think its acceptable that they can just change our flights like that with no apologies or no option to have any money refunded for the extra i paid. As expected I cant get through to them as they probably have so many people calling about the same issues. Thanks
  5. I will be keeping an eye on your thread as I have just had a call this evening from priestly crow telling me the same. I sent a letter over a year ago to James findley and didn't get a reply as j know I'm owed PPI.
  6. They emailed me again to say I can take photos and send them to the liability dept who will deal with my complaint. I will try the photos again today. Not sure why they didn't give me that option in the first place. Or are they just passing the buck again? Shocking.
  7. Its Hoover/Candy that sent the engineer out to me. I think the tumble dryer was about £380 i need to have a look for the exact amount. I have tried taking photos but because its shiney and black they dont come out very good, they did send an engineer out on Monday who took photos. The dryer is in my kitchen. I spoke to Citizen advice and doesnt look like i have a leg to stand on. Here are the emails, sorry it makes this post very long My first email to complain: I would like to make a complaint about the customer service i have recently experienced from Hoover. I called customer services on 26th Jan to book for an engineer to come out to my home to repair my washing machine and my tumble dryer which are both under 6 months old. When the engineer turned up on Friday 30th Jan he told me that only my washing machine was booked in. I called customer services to complain and to find out why, and they confirmed that only 1 appliance had been booked in. I asked if the calls were recorded and could they please listen to the call i made on 26th Jan. Which they said they are recorded and they will investigate, I am still waiting for a reply from that. The engineer did manage to book in my dryer for repair on the same day but didn't have the part to repair it that day after taking the whole dryer apart. When the engineer left I noticed that both sides of my dryer where badly scratched which i believe happened when the engineer took the machine apart. When i called back customer services to complain i had to hold on for 27 minutes before someone answered the phone. The message was " we are very busy with other calls at the moment please hold on for a few more minutes and we will answer your call" when i eventually got through to someone i told him how long i had waited for him to answer and he told me " oh that's strange as our call centre isn't busy and we are all waiting for the phone to ring". Now that call has probably cost me in the region of £5 as i believe the premium was 12p per minute. This tells me that Hoover are ripping off customers by making them hang on the line when there are people in the call centre free and ready to take calls. I do hope you have my call recorded? Before buying my washing machine and tumble dryer from Hoover i had never bought a Hoover product and after my experience on Friday i will never buy another product from Hoover again. Please can you look into my complaint, and i look forward to hearing from someone soon. Reply: Good Morning, Thank you for your email, We were indeed sorry to learn of the issues you have raised and apologies for any inconvenience experienced, with regards to our internal investigation we are not obliged to advise you of the outcome, however we can assure you we take our complaints serious. With regards to the scratches on the side of the appliance after the service engineer has left we do advise customer should take out their own appliances, so no damage can be done to customer’s appliances we were sorry to learn that you waited 27 minutes on our telephone line and when the operator answered the telephone said they were waiting for calls this has been escalated to the call centre manager, however as a gesture of goodwill we would like to offer £30.00 for the inconvenience caused, if you would like to accept this offer please let us know whom to make the cheque payable to. Your return visit for the service engineer to fit spare parts has been made for Tuesday 10/02/15, job reference number 1125574. Once again please accept our sincere apologies for the obvious inconvenience caused, assuring of our best attention at all times. Kind Regards Customer Correspondence Team My reply: Hi Thank you for your email. I'm quite concerned that you advise customers to take out their own appliances, please can you tell me at what point is the customer told to take their own appliances out? I was never advised to do that. I'm also wondering do you also advise customers to take the appliances apart for the engineer? If you read my first email I said the damage was done when the engineer took the machine apart and the scratches where caused probably due to the parts being scraped along my kitchen floor. I feel you have pushed that part of my complaint aside by offering me £30 compensation which is not good enough, in the mean time I have a 6 month old dryer which is now cosmetically not acceptable because one of your engineers didn't take good enough care of it. Can you please let me know what you intend to do about the cosmetic damage to my dryer? Hoover reply: Good Morning, Thank you for your email, We can only apologies for the damage of the scratches made by the service engineer, whilst he was repairing your appliance, unfortunately as this in only cosmetic there is nothing we can do as it doesn’t stop the workings of the machine, but we have reported this to his manager. We would never advise our customer to take there appliances apart as this would void your warranty. The offer of £30.00 is our full and final offer. Once again please accept our apologies for any inconvenience caused. Kind regards Customer Correspondence Team
  8. Hi Not sure if i have come to the correct group for this. I bought a tumble dryer from hoover 6 months ago and something went wrong with it last week so i called out an engineer. After taking the whole dryer apart the engineer discovered the problem and ordered a part. When the engineer left i noticed a lot of deep big scratces along the sides of the dryer which wasnt there before, my dryer is stand alone and doesnt touch any sides so it couldnt be scratched any other way. the enginner didnt use blankets or anything and i have a tiled floor which would easily scratch a shiney black surface. I wrote a letter to complain and someone came to take photos of the dryer. I got an email back today to say that they ask the customers to pull thier own appliances out so there is no damage caused by the engineer and basically fobbed me off. I have written back to them asking when did they ask me to pull out my own dryer and also do they ask the customer to take thier appliances apart as well, its a ridicuals answer to my complaint. Is there anything else i can do? Im quite upset that i can spend so much on a dryer and they cause the damage and i have to just put up and shut up. Thanks
  9. Yep just seen it Default date July 2009. Phew thanks dx
  10. It has a Red D Sept 2010 I can't see before that date so it looks like that was the start of the default. When I look at the other defaults I can see as far back as 2009 when the default started. This one would have been the first out if 3 to fall of his credit file.
  11. Hi I have been checking my husbands credit file this morning and seems the default date has changed. SB was supposed to be Aug 2015 now seems the default date has changed to Sept 2010 which makes it SB in 2016. There is nothing showing before that date. I didn't think they could change the default date???? k Thanks
  12. Thanks Guys. HB I can't see the link. My mortgage is with a high street bank I will speak to them first. Cheers
  13. How would I find such a broker? And us this after my defaults have dropped off? If so how long would I need to wait before I applied? Thanks
  14. Hi there Myself and my husband got into some financial trouble 5 years ago which lead to some defaults. As of next year all the defaults will be due to drop off our credit files. We currently have a mortgage with no arrears for the past 3 years. We really would like to move in the next couple of years and was wondering how long after defaults are removed will a lender consider allowing us to sell and buy? Is there mortgage brokers that WILL consider applications with poor credit? Thanks
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