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dipstick99

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  1. Hey there, thanks again for getting back to me. The value isn't huge, only £150. I really appreciate your response and will follow your direction, hopefully it leads so some success. It's more about the principle than the money, the feeling of being ripped off/short changed never sits well with me. Sincerely, D
  2. Thank you very much for your response, to add some extra context, it has only been 6 days since the delivery date. I know that my approach has somewhat been casual, but in the past I have had instances where items purchased online were directly sent to the tailor for amendments and this is the first issue of this kind faced. The company I purchased the jacket from is not playing ball by phone or email, they have offered 25% off the cost of the item as a final gesture. I am still unhappy with this, as it is not the purchase I intended to make. The inferior jacket is being forced upon me without any alternative options on the table. With regards to checking the item, I really did check it, but last seasons jacket and this seasons are identical apart from the collar, buttons and pockets. Not things I personally check upon delivery. It looked like the product I ordered, so I assumed it was. But, lesson learnt - I will be more diligent when checking deliveries in the future. How would you proceed from here? Send a letter refusing the item and request a refund/exchange? They have said in an email to me that there is nothing they can do as it has been altered. Sincerely, D
  3. Hello all, I recently purchased a new blazer from a well known mens formal clothing company for a black tie event I have coming up. The blazer was received and as I have long arms, I quickly checked it and called my tailor to collect it to lengthen the arms. She collected the jacket and returned it a few days later with the alterations being made. This is when I tried it on with all of the trimmings and noticed that the collar was different to the picture on the website - the product I thought I had purchased. I only noticed it was a totally different style of collar once I had a bow tie on. I checked the pictures online again and the cuff buttons and inner pockets were also different to the picture. I did some research and found via the brand website that I had actually been sent a jacket from last season, for this latest seasons cost. Obviously I am extremely unhappy with this and the company is refusing to exchange the item for the correct one as it has been altered. Apparently it is my responsibility to check the item "thoroughly" upon receipt - hence they have nothing they can do apart from a small refund on the price paid. I checked the item, of course, but the differences were not shouting out at me on first glance. I feel really hard done by here, as I have paid for something that is not as advertised and I have also paid for alterations on a jacket that wasn't the real McCoy. I do not think the differences were significant enough for me to have noticed straight away, but it is indeed a different jacket. What are my options here? As the company are not playing ball at all - even thought they have "99% feefo" etc etc. I feel cheated and want the item I originally purchased or a significant discount for the fact it is old stock.... Sincerely, D
  4. I opened my natwest account under the impression that i was going to get 2 years free business banking. Yet i have been charges for banking for over a year. I know its stupid of me not to have checked properly but how can i go about claiming these back. Also i am a student and had a student account on the side with a £1300 overdraft. I was told i did not have to pay this until i finish university and that it would be interest free until then, somehow natwest have got it into their heads that i am not allowed both a business account and student account. Yet when i opened the student account the my business manager knew very well that i was a student. So right not they are trying to consolidate my red balance from student and my red business balances into one, to get me to pay them off. Customer services are useless, my business manager is useless and i am lost. On the phone today a girl actually hung up on me. I will never bank with Natwest again, by far the worst banking experience i have ever had. Please advise on what i should do, any advice would be much appreciated. Thanks Dip
  5. Ok basically i have received a default on my credit file through no fault of my own. If you read the letter i have prepared below, you will get a grasp of my situation. Any helpful advice would be much appreciated, i have had a mortgage application declined due to this. It is putting so much stress on me and my family. I really need this removed. The letter is as follows: Capital One Card Services 
 P.O. Box 5283 
 Nottingham 
 NG2 9HD (Executive Office, Capital One, 
PO Box 5281, Nottingham, 
NG2 3FA) 27/07/10 Dear Capital One, I am extremely disappointed with the service I have received from you as a company. I had an account with you from 2006 to 2009, I cancelled my account in early 2009 and paid a final balance of around £34. This was my last payment to Capital One Ltd. Shortly after this I moved home and received no further correspondence from Capital One. Today I checked my equifax credit history file as I had trouble with a recent mortgage application. My credit history showed a defaulted account with Capital One. It is evident that the account was not cancelled when I was advised that it had been; I was told that the card was no longer active and would no longer be usable. The cancellation was completed via one of your staff from your call centers based outside the UK. Why are your sales teams fluent in English and easy to talk to? As soon as I requested cancellation of my account I was put through to an overseas call centre where the gentleman on the other end of the phone could hardly understand what I was saying. Now I am faced with the prospect of a defaulted account on my credit history, which is going to affect my life drastically, not to mention my family’s life. All of this stress due to an incompetent member of your staff. The balance on the account was minimal, it still is minimal (£98.8 even though interest has been charged since the day I cancelled; I have no idea what the outgoing payments from the account are even for. I have not seen my credit card since 2009 and I have not thought about Capital One since the day I cancelled my account. Capital One has drastically reduced my chances of being a successful mortgage applicant – which is going to affect me for the next 6 years. This is why I have taken it upon myself to forward this to the Consumer Credit Ombudsman. This red strike on my credit report was unwarranted and undeserved. Please can you help me resolve this matter amiably, I just cannot comprehend how this has happened. I have been on the phone all day, I called your call centre, which to be frank was no help at all, so I then contacted debt collection agencies in order to retrieve my account details. I have not received a single phone call from capital one, a single letter: no contact at all since I moved home. Again i would be so grateful to any advice givers out there. Thanks
  6. Ok basically i have received a default on my credit file through no fault of my own. If you read the letter i have prepared below, you will get a grasp of my situation. Any helpful advice would be much appreciated, i have had a mortgage application declined due to this. It is putting so much stress on me and my family. I really need this removed. The letter is as follows: Capital One Card Services 
 P.O. Box 5283 
 Nottingham 
 NG2 9HD (Executive Office, Capital One, 
PO Box 5281, Nottingham, 
NG2 3FA) 27/07/10 Dear Capital One, I am extremely disappointed with the service I have received from you as a company. I had an account with you from 2006 to 2009, I cancelled my account in early 2009 and paid a final balance of around £34. This was my last payment to Capital One Ltd. Shortly after this I moved home and received no further correspondence from Capital One. Today I checked my equifax credit history file as I had trouble with a recent mortgage application. My credit history showed a defaulted account with Capital One. It is evident that the account was not cancelled when I was advised that it had been; I was told that the card was no longer active and would no longer be usable. The cancellation was completed via one of your staff from your call centers based outside the UK. Why are your sales teams fluent in English and easy to talk to? As soon as I requested cancellation of my account I was put through to an overseas call centre where the gentleman on the other end of the phone could hardly understand what I was saying. Now I am faced with the prospect of a defaulted account on my credit history, which is going to affect my life drastically, not to mention my family’s life. All of this stress due to an incompetent member of your staff. The balance on the account was minimal, it still is minimal (£98.88) even though interest has been charged since the day I cancelled; I have no idea what the outgoing payments from the account are even for. I have not seen my credit card since 2009 and I have not thought about Capital One since the day I cancelled my account. Capital One has drastically reduced my chances of being a successful mortgage applicant – which is going to affect me for the next 6 years. This is why I have taken it upon myself to forward this to the Consumer Credit Ombudsman. This red strike on my credit report was unwarranted and undeserved. Please can you help me resolve this matter amiably, I just cannot comprehend how this has happened. I have been on the phone all day, I called your call centre, which to be frank was no help at all, so I then contacted debt collection agencies in order to retrieve my account details. I have not received a single phone call from capital one, a single letter: no contact at all since I moved home. Again i would be so grateful to any advice givers out there. Thanks
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