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Sommer42

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  1. I have to say that I have received a prompt and efficient response to my complaint from the FOS. That being said. I shall await the outcome but as far as I am concerned I have acted within all the time limits and am awaiting until 8th February for the 8 weeks to be up and hope for a response from the company I am complaining about!
  2. Hi all, What fascinating reading! My story of course is similar! I have been living overseas for many years, so my credit rating is zilch here and I, (who must have had been devoid of any intelligence when I called these people) gave my debit card number over the telephone after being bamboozled by one of their "advisors" who assured me that I would not lose any money! I cancelled my agreement as per their terms and conditions and wrote to their Wales office, requesting a refund (well within the stated 14 days) and to date have heard nothing! I have tried to call customer services, waste of time, as has been pointed out and I even tried the call back service, as advised here in the thread. Agent was "unable to discuss" and stated that he would put me through to cs and of course, on hold and nothing! I have contacted the Financial Ombudsman, who will write to them today for me and they have until the 8th February to respond, which will take it to the 8 week period. I shall sit back and wait and see if they contact me, but I shall not let it go! I shall let the FO deal with this now, who also told me to keep a record of all my calls to them and I could claim for those also! It is worrying that people are psychologically bombarded into giving over precious card details so that this can happen. I talked it over with my bank who stated that as I had returned to the UK, I could have a loan after six months of having my account with them, that was three months ago and I shall wait for that to come through, in the meantime, the loan I wanted was for a car, however, my father has loaned me his! I have gained lots of helpful advice from this thread and sympathise with all who have suffered as a result of this and the poster who has given all the helpful information and detailed how this company works, thank you! It certainly made me sit up and think. I have a template of a letter that I wrote to No Worries if any one would like a copy. For me now, it is way past the money stage and getting a refund, it is the damage that's done and I have the tools to do what I can to gain my money back, some people do not! I have learned a hard lesson, I hope many have and the reason why these companies work, is because people do exactly as I and many others have done and that is give over our card details and allow them to work! It is not the agents fault, they are as has been pointed out, simply doing their job, pointless taking it out on them, however, I know I would have a problem working for a company like this who uses such tactics. I hope I get somewhere with the financial ombudsman! Good luck everyone who is trying to deal with this!
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