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vallo1956

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Everything posted by vallo1956

  1. Hi I am trying to decide whether to try to reclaim PPI from Egg as I have had a credit card with them for years (now closed and moved to Barclays, but still paying monthly) and several loans, including 2 top ups (one of which is still current, although no longer have ppi on it). I cancelled all my PPI products on mortgage, loans, credit cards (with Barclays and Lloyds as well as Egg) in 2007 and have some paperwork relating to some of it. However I'm pretty sure I took out at least some loans and my credit card with Egg over the internet. The card and initial loan applications were pre 2007 and I seem to remember some instances of the ppi option box being pre-ticked, so thought that to untick would reduce my chances of getting credit. I also had absolutely no idea that you could get PPI insurance elsewhere, until a chance conversation with a friend in 2007. I researched it and then wrote to all lenders (have copies of those letters) cancelling and then took out mortgage ppi and income ptotection instead. This was much cheaper. What is an SOC and what did you give as reasons for mis-selling? I think mine would be that they did not make me aware that other products were available (but were they obliged to online?) and that the pre-ticked box made me think that PPI was preferred/essential to get the card and /or loan. Also at that time I thought that the only alternative to an 'optional' PPI was not to have protection at all (as I know now, I probably would not have benefited from expensive PPI as my work sickness policy would have paid out for 6 months full pay and four months half pay, but I do know that online sales are classed as 'unadvised' so they didnt need to check my circumstances). I am trying to get my head around it all before sending anything off to the lenders. I am going to request info from egg and Barclaycard re how the loans,cards etc were taken out as I am not sure whether some phone sales of PPI were involved along the way. Any info gratefully received.
  2. Hi I have had huge problems with aboutcomms. They stopped responding to my emails and although they promsied to refund money I was paying out for a contract they didn't buy out, as promised, nothing came of this. In the end after waiting 8 weeks from time of complaining to them (go through the'contact us ' link on what passes as a website for teh company and ask for their complaints procedure and foloow it, copying everything you send) I went to my local trading standards, who contacted same in Gosport. Yesterday had grovelling email from a Gary Murray and the money in my bank by end of business. All because Trading Standards told them to sort it out! Try contacting garymurray @adn-uk.co.uk (not allowed to post email addresses as a newbie, so push those together to make one) with your complaint and say you will go to Ofcom and Trading standards if they don't respond satisfactorily. Also you can send a brief summary of your complaint to Ofcom and they'll advise you where to go next. Be persistent and assertive. Good luck!
  3. The phrase I used for claiming compensation from aboutcomms , apart from the loss of earnings because of all the time I had to spend dealingwith them, the bank, the insurance company , Ofcom etc, was 'compensation for undue stress and adverse effect upon my day to day life'. They have a duty to provide a service which is fair. You can also look on the OFCOM site and fill in an online form with brief details of your complaint (be careful- it's word limited but lets you go on and on then says you've exceeded the limit, so you have to go back and edit til it fits!) I did this originally and received a very detailed and useful email back saying that while they can't investigate individual complaints, they do log the complaint against the company. When they get enough complaints I assume they go further, The email also gave me the number and website address of where to go next- in this case Consumer Direct. Also if Orange or any of the big providers use dealers or agents to sell their products, they have a duty to ensure that they do so in a way that is fair and legal, so they can't dodge responsibilty because they didn't sell to you directly.
  4. Just to say that they had previously promised to re-imburse me 'within 48 hours' for money I was being charged for a contract i couldn't use and they didn't buy me out of my old contract as promised at point of sale. Needless tosay, they didn't. Yesterday they promised the money would be in teh bank by end of day, and it was. Please go to Trading Standards- you are more likely to get these people to take notice as TS can force them to put things right and fine them up to 10% of their profits if they don't. Don't know what the small claims courts can do. Yam950-Contact Gary Murray (they won't allow me to place email link because I'm a newbie but make an email address out of gary.murray @adn-co.uk) at aboutcomms- he's the chap who is doing all the back-pedalling in my case. Tell him you'll go to Trading Standards if you don't get any joy. If you look on Consumer direct website there's loads of info specific to making complaints about mobile phone contract mis-selling. BTW- Was told today by Orange Customer services that, while they know that firms like aboutcomms operate, what they do is 'backdoor upgrades' which are not really the right way to do it. Makes you wonder why they go along with them though! Woman said they (orange and the like) pay these 'sellers' commission (have heard tell its about £500 a time) so claiming back £500 for distress they cause you is fair.
  5. Hi You should contact your local Trading Standards- you can do this through Consumer Direct website. I did this when mis-sold a mobile contract by aboutcomms, who also then passed on my financial details to an insurance company who then proceeded to set up a direct debit without my knowledge and take money out. I contacted the bank and, under the direct debit guarantee scheme, the money was refunded. Aboutcomms refused to act on my complaints so eventually gave up trying on my own (you have to give the firm 8 weeks after you first complain) and contacted Trading standards where i live. They then passed it to the Trading Standards in the county where aboutcomms is based. A month later (yesterday in fact) i received an email and calls offering to reimburse me for all i was out of pocket plus a promise to sort out all the problems they had caused and a £50 'goodwill' payment. I refused that and am now asking for £500 compensation. All this back-pedalling because they'd had a call from Trading standards. These people have the clout the individual consumer just doesn't have. Let the company you are having problems with know you intend to do this and give then say a week to put things right before going to Tarding Standards.Take the name of anyone you speak to and note the date and time. Keep copies of all correspondence.Good luck!
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