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Everything posted by Migster

  1. I don't think your £6k loss logic is correct. If the purchase price is above the £30k limit then S75 doesn't apply.
  2. Their privacy policy is on their website. https://www.1stcentralinsurance.com/legal/privacy-policy
  3. This sounds like it could be a business to business contract, in which case I don't think CRA applies. You will still have rights under SOGA. Make sure you check before you start quoting the wrong legislation at them.
  4. Why don't you just bid for it when it is auctioned? If you can get it for around £2k then great, but if it starts going up towards £5k you can walk away.
  5. As I understand it, there is no appeals process in the same way as you have for a parking ticket. The FPN is an alternative to being prosecuted in court, so you either pay up or your mum goes to court and pleads not guilty.
  6. The signs are visible in the second photo. Streetview image here has them - no idea if they are legal/compliant. Hopefully someone will be able to give you a view on this. https://www.google.com/maps/@51.3189505,-0.5566913,3a,75y,231.82h,75.82t/data=!3m6!1e1!3m4!1sjxcVEfKu8raIHIQcUNfoEQ!2e0!7i13312!8i6656
  7. The opt in/out boxes when you sign up on websites, typically relate to marketing material i.e. you are opting in/out to them contacting you with info of special offers, deals, etc. As I understand it, the company can still contact you about other matters and an email about their service, even if it is a survey from a third party, is allowed.
  8. If you're just after larger sizes, you could try the Jacamo site - it has up to 5XL
  9. Here maybe? https://www.google.co.uk/maps/@51.6857236,-3.934319,3a,75y,58.21h,86.31t/data=!3m6!1e1!3m4!1s3W4AeMvjrAw24uSadmeIDA!2e0!7i13312!8i6656
  10. You don't mention if anyone else has physical access to your PlayStation. While Fortnite is a free game, it does have in-game purchases and some of these match the amounts you mention. Given that Sony claim the transactions were from your machine, is it possible that someone else in your household has been playing the game and is responsible?
  11. I think the normal chargeback window is 120 days, so your bank may not be keen (or even unable) to help after more than a year.
  12. Presumably she got the 07:35 from Euston, with changes at Crewe and Chester, arriving Holyhead at 11:20. The sailing was at 11:50, but the Irish Ferries website states that check-in closes 30 minutes before departure, which would therefore fit with what you have now been told i.e. "Apparently train got into port same time as ferry gate closed." Sounds as though she was simply on the wrong train to catch that ferry, so unless she was advised to catch this particular train by Virgin or Irish ferries, I'm not you'll get very far with your complaint.
  13. Depending on you phone, you might to be able to get info of your whereabouts from that e.g. the Timeline section of the Google Maps app on my phone shows my movements on 26th (i drove to my local Sainsbury's).
  14. Different model and circumstances, but... http://www.dailymail.co.uk/news/article-4845486/The-new-BMW-2-series-hot-forecourt.html
  15. Is there any chance you could convince a locksmith to change the locks for you? If you explain that you have no access to the property following your father's death (maybe omit to mention the step-daughter issue) and offer to provide your ID (driving licence/passport), they may be willing to change the locks for you.
  16. There's also a growing problem with claims relating to holidays ruined by sickness. http://www.bbc.co.uk/news/business-40348282
  17. I'm pretty sure that PO's banking services are routed via LINK, so a counter cash withdrawal is pretty much the same as an ATM withdrawal. Unless it's changed in recent years, LINK settlement s on the next working day, which is the same as Visa and Mastercard, so your bank account will be debited on the same day regardless of whether they put your payment through correctly or not. The only potential downside (I can think of) for you would be if you ever needed to go down the chargeback route for one of your purchases at this PO branch, as this would not be available to you if they'd processed the transaction as cash. Should they be doing this? Well, no they shouldn't, but they're not breaking any regulations per se, other than the internal ones they sign up to with the Post Office (your branch will most likely be a franchise). If you want to report them I'm sure you can find some "contact us" info on the main PO website, but it just sounds like they are a small business doing their best to maximise their revenue (albeit by being a bit sneaky).
  18. You can use the PO to deposit/withdraw funds on most UK bank accounts, so it sounds like they have processed your £11.98 as a banking transaction, rather than a normal retail card purchase. Assuming this wasn't a mistake, then I'm guessing that they've deliberately done this as they will be paid a separate fee (by your bank) for this transaction type, which they wouldn't get if they put it through as a card purchase. Ultimately they shouldn't be doing this, but it doesn't really impact you as a consumer so I'm not sure it's worth making a fuss over.
  19. You have the right to a refund within the first 30 days. "Under the Consumer Rights Act you have a legal right to reject goods that are of unsatisfactory quality, unfit for purpose or not as described, and get a full refund - as long as you do this quickly. This right is limited to 30 days from the date you buy your product. After 30 days, you will not be legally entitled to a full refund if your item develops a fault, although some sellers may offer you an extended refund period." http://www.which.co.uk/consumer-rights/regulation/consumer-rights-act
  20. There are instructions on the Sonos website for setting up your PC. Do these not work with the speaker you have purchased? https://sonos.custhelp.com/app/answers/detail/a_id/261/
  21. Is it possible it's just a different version of the date and time i.e Jan 17th @ 18:18?
  22. If they suspect money laundering they aren't allowed to say anything to the customer, as this would be "tipping off". Instead they should complete a SAR (suspicious activity report) which someone else will then look at and investigate further if required.
  23. We've already reserved say £1,000 so we just continue to process the payment as normal, even though we won't be fulfilling the customer's order. This debits the customer the next day and the pending value disappears (as we use the original auth code we have). Obviously this leaves the customer £1,000 down with nothing to show for it, so we credit their account via faster payments at the same time to make them whole.
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