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Everything posted by jock_munro

  1. Hi there. Apologies if this is posted in the wrong thread, or this subject has been covered many times over. I will give you a brief overview. I have built up mortgage arrears with Halifax, (approx £5000). At present I cannot pay them the agreed monthly amount, let alone clear any arrears. I have been on a plan with them and have been making token payments. However they have now withdrawn that plan and have said that unless I pay the agreed monthly amount they will commence legal action against me. I am keep to avoid a CCJ and even worse, repossession. I am
  2. Please explain ... "haven't you realised yet that T&Cs are always subject to your statutory rights?" , I thought if you sign T&Cs you are entering into a contract, regardless of whether they are fair or not, you've agreed to it ? You'll have to excuse me, I just havent had the time to really dig deep into this and see what options I have available. As for the evidence. The only thing I have is a timeline that I logged of all the technical cases I raised with BT, copies of all correspondance between BT and myself, and the ombudsmen and myself. I have screen dumps of t
  3. the problem is, I signed their terms and conditions, so legally I may not have a leg to stand on. Morally, thats a different matter.
  4. Thanks for the response Rebel and Bankfodder. I've already done the formal complaint and got the letter of deadlock from BT, hence escalating to the Ombudsmen Services. After a discussion with the ombudsmen services they say that all broadband providers only gaurantee a service into your home. I.e from the wall socket to your router. Anything other than that they dont garantee. I know, its outdated, its ridiculous and needs to be changed. 95% of peoples devices in the home are all connected wirelessly, for a provider to have in their terms & conditions that they dont garantee w
  5. Hi All. Apologies if this has already been covered. Last year I signed up with BT Infinity, using their Homehub 3. The wireless was appalling, with all of our devices having bandwith and connection problems. It was obvious that this was not a fault, just that the home hub 3 is useless. I raised several cases with BT but of course there was no way they could fix the issue. I asked to try a Homehub 4 but they wanted to charge me extra. Out of principal I refused. As they couldn't fix the problem I moved provider. Since then my wireless has been seamless. So, BT are trying to
  6. Hi There I owe £11k to Egg that I racked up on one of their credit cards. Unfortunately when the credit crunch hit I lost my job, and since then have not been able to pay it back. I consulted the CCCS and provided Egg with an income/expenditure and have been making token gesture payments of £1 per month. The debt has been passed to Arc Europe Ltd. I sent them a letter offering £1000 as full and final settlement of the debt. (Yes, very cheeky considering how much is owed). They refused to even send that offer on to Egg. Surely its not up to ARC to make that call ?
  7. Barracad, thanks for confirming this. I just needed to know either way, or if Royal Mail were doing the slopey shoulders thing. The problem with contacting the sender is that he's quite an established & famous musician, and what he sent out to me is quite a rare occurance, and for fans its a real collectors item. I would feel a bit of a plum going back to him and saying "thanks for my ultra rare letter and signed CDs, they turned up damaged, could your find time in your business recording schedule to write and complain to the German post office"..etc.. Thanks for providing the
  8. Hi There, I received a package from Germany in the post (I live in England). It was very badly damaged, the jiffy bag had actually been bent in half so much that it had burst open, with its contents hanging out. The contents to me is extremely valuable, it was a letter from a musician who I am a very big fan of, which was very personal and also signed. To me this is priceless, but understand that it doesnt have any real monetary value. However there were also two signed CDs in the jiffy bag which were damaged. I wrote to the Royal Mail to complain and received a default reply stat
  9. "Fuel comsumption figures are quoted to help with a purchase decision" And NO, you DONT understand the point I am making at all. The MPG figures advertised were for a normal 1.9Tid engine, not one with a Hirsch Upgrade. This is FALSE ADVERTISING. And my purchase decision was BASED ON INCORRECT FIGURES. Christ almightly. Its not rocket science. Do you lot work for Saab ? And yes, I obtained the correct MPG figures from Hirsch directly, and they differ hugely from the standard 1.9 TiD engine. They are a lot closer to the economy I am managing.. which is fine... BUT THESE FIGUR
  10. no, I reached the COMBINED 41 mpg figure, whilst free wheeling over 50% everywhere over long distances, with no air con, in perfect weather conditions, whilst using more expensive diesel to achieve better fuel economy. City Driving published figure is 37mpg. Long Distance Driving published figure is 56mpg !!!!!!!! If I drive the car sedately and in normal driving conditions I get 31mpg. So you can see, that the car can only manage the average MPG, only in exceptional circumstances. But all this is irrelevant. You seem to fail to grasp the basic issue here. Which
  11. read my previous posts. They advertised the fuel consumption figures for the normal engine. Not the figures for the saab approved hirsh upgraded engine. So regardless of how I drive, they have put the wrong consumption figures on their advert. Whether unintentional or not, surely its false advertising. And yes, I do realise that more performance comes at a cost. I did a test back in August, after filling up with BP Diesel Ultimate, resetting the trip computer, switching off the aircon and every other electrical system in the car, and also coasting with the foot on
  12. yes, I realise that. But if they have published consumption figures for the wrong model of car, then surely thats false advertising ?
  13. I have had a lot of credit cards in my time, and the majority of them I have always had problems closing them down. They deliberately make it hard for you because they want your business. They want you to keep the card, even with a zero balance, just incase you need it. They know that you'll eventually be tempted to start running up more credit again.
  14. yeah, I've had that response from the Saab online customer service website. And yes, its out of order if they arent reflecting realistic and acheivable consumption figures. If that isnt annoying enough. In my case I have a Saab 9-5 1.9Tid Sport with a Hirsch Engine Upgrade. But the fuel consumption figures advertised are for a bog standard 1.9Tid. Which are even more inaccurate. Surely theres a case there of false advertising ?
  15. My wife has returned to work after taking her maternity leave. She was a manager at the company before she left. In her absence the company promoted an existing member of staff to manager. Now that she has returned she has found that a lot of her responsibilities has been removed and given to the other manager. You could interperet this as the employers failure to give my wife her old job back, as she clearly does not have the same levels of responsibility as she did before she left for maternity leave. She is going to resign, as the company have been inflexible and
  16. heh heh. I honestly thought that the third party would attempt to take money from my credit card account and that it would be refused. Then they would write to me and I'd be able to resolve it directly with them. I've got no issue in paying the money to vodaphone (the third party), as I said its only about £20. I think what ****es me off the most is that whenever I've attempted to close any credit card account its never straightforward. Its as if they go out of their way to make it as difficult as possible, so they can keep you in their grasp and suck interest off you like
  17. yeah its frustrating. Because the transaction in question was for a corporate phone bill, which I had no access to their details as it was all handled at work. Therefore I had no means of contacting them to stop the payments. Obviously I wrongly assumed that if an account was closed, that no further transactions would take place. I think its fair to assume that if you close your bank account, that account should no longer exist, and anyone who tries to take money from that account should not be able to. I did manage to stop the third party from taking money from my credit card. The
  18. I purchased a Saab last year, specifically for commuting. Therefore the fuel economy figures heavily influenced my decision making on what car to buy. The original car advert states the wrong fuel economy figures. My car has a performance upgrade on the engine management system. This was stated on the advert. Yet the MPG figures are for a normal engine. This means that the car's fuel economy doesnt even come close to what Saab have advertised. I was only aware of this after buying the car and spending some time investigating why my fuel economy was so poor. I managed to speak t
  19. Has any other forum member had a similar problem ? I cleared the balance on my Halifax credit card account and instructed their customer services to close the account. Which they confirmed as closed. A month later I received a statement, and a transaction had gone through on that account. I queried why this could be allowed to happen, as my account was closed. Halifax honoured the payment because it was a regular payment that I had set up and it was my responsibility to stop the transactions with the third party. I was told this is in their terms & conditions. I
  20. Hi, I have looked at the FAQs to see if they can help. But havent been able to find anything relating to preliminary hearings. I have gone through moneyclaim online, and have had the case referred to my local court. I have received a notice of preliminary hearing from my local court. Did anyone else get one of these ? what does it mean ? and is this what I need to get my court bundle together for ? What action do I need to take now ? I phoned my local court manager, hoping to get answers to the above, but they were not very helpful. Any advice would be appreciate
  21. hi Caro yes, I did add interest on the money claim. sorry to be an idiot, can you point me in the direction of the bank templates library. I am having difficulty finding it. cheers
  22. thanks, with regards to the interest. at 8%. when do you calculate that from ? whats the formula for working it out ?
  23. I received a letter from DG Solicitors today in which FD are offering a full refund of charges going back 6 years. Also they have not asked me to sign a confidentiality agreement. Since this has all been going on I've paid £220 in court costs. Is it worth trying to get this back from the bank too ? Furthermore, what about adding on interest ? Or should I just accept their offer ? I've looked at the FAQs but was unable to find anything. So any feedback would be appreciated.
  24. thanks for the re-assurance !! I'll keep you updated.
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