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twinkles123

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Posts posted by twinkles123

  1. But surely, the fact I have agreed to a settlement they offered and are now going back on is Ludacris.

    I am now feeling so angry because they are now trying to accuse me of stealing 2 avocados and only paying for two.

    Surely they cannot be allowed to treat people in the manner.

     

    I used to enjoy shopping there now I can't bear going there as I feel like I am thought of as a criminal.

    at the time this happened I was collecting medication which led me to feel really anxious for a while after this happened.

  2. Hi everyone,

     

    After the advice I was kindly given this morning, I contacted the legal department who have been sending me out the letters by email and telephone to inform them I am willing to accept a written apology and the £100 gift voucher.

    I thought they would be happy to be done with this and agree since they offered it to me in the beginning.

     

    Prior to this I requested cctv footage which showed me removing the avocados from the counter, the same cctv footage would show me leaving 2 avocados at the cashiers till and paying for the two I required.

     

    After speaking to the Sainsbury's lawyer this afternoon to confirm I would like to settle, he informed me this will no longer be possible because they have a discrepancy as to the amount of avocados I paid for and the avocados I removed from the counter.. I was gobsmacked!!!...

     

    I asked if they were now insinuating that I had paid for 2 and stolen the other 2?.

    He said not at all but we would like to review the footage none the less to ensure what I paid for and what I took home.

     

    Immediately I wished I had spoken with him via email so this could be recorded. I am sooooo angry at myself!.

    I ended up being so frustrated by the insulation I would have stolen 2 avocados and paid for 2.

     

    I have been shopping in this particular branch of Sainsbury's which is in East Dulwich (Dog kennel Hill).

    I have spent a lot of my salaries purchasing shopping for well over £150 prior to this incident.

    I am disgusted in the way they are continuing to treat me unfairly.

     

    Any advice on what to do next.

    I will respond the the legal team confirming our conversation on the telephone which insinuated I might have sneaked the other 2 in my bag... well he said a discrepancy....

    any advice?????

  3. Hello everyone

     

    I hope someone can give me some advice, I am a loss as to what I can do.

     

    In February I went to purchase my prescription and do a bit of shopping at a local Sainsbury's supermarket. Whilst at the pharmacy counter I noticed there were some avocados in a clear bag left by the side of the counter. I took this to mean someone had changed their mind and decided not to purchase them. I thought just what I had been looking for. I took the avocados (2) along with the rest of my shopping and proceeded to go to a cashier at the check out who scanned all my items and took payment.

     

    A short while later I was on the bus making my way home when an unknown number showed up on my phone. It was the pharmacist from Sainsbury's store asking if I was still in the store, for a minute I panicked thinking I had left my bank card or wallet instore. The cashier proceeded to ask me if I had taken the avocados that were by the counter, I informed her I had and had paid for them, only to be put through to the security officer who accused me of stealing even though I informed them I had the receipt with the name of the cashier who had scanned my shopping showing the 2 avocados.

     

    My initial reaction was anger because my personal information had been misused. I have since resolved this with the pharmacy, however Sainsbury's apologised and agreed their security officer had not followed store guidelines/policies when there is suspicion of theft. I was left humiliated on the bus as other passengers could hear me arguing that I had not stolen anything whilst the security officer informed me should this happen again the police will be called.

     

    Sainsbury's initially offered me a goodwill gesture for £30 vouchers which I thought was adding insult to injury, they then offered me £100 vouchers which I refused to accept. I feel the stress I went through on that day which raised my anxiety levels warrants more than a £100 voucher. I have not been able to return to that Sainsbury's supermarket because I feel my every move will be monitored.

     

    this incident affected my health for a while. I have sent them a LETTER BEFORE COURT but Sainsbury's responded by stating I did not have a case. I am sure the way I was treated was wrong as their own guidelines were not followed by the security guard?...Can someone help please...

  4. My sister and I have had the same issue of numerous phone calls and living without gas for two moths due to their engineers fault, they refuse to respond to our telephone calls regarding compensation. we have contacted Ofgem who have said they will write to Scottish Power on our behalf so we are waiting to hear back from Ofgem. I am constantly told the person dealing with our complaint (3rd level complaints apparently) is busy and will call us back but never does. we went for two months without heating and hot water with a small child in the house, absolutely atrocious but they don't seem to care. How long did it take for the Ombudsman to have compensation agreed for you? The gas is now working but we suffered for two months, will be leaving them as soon as they refund the direct debits they took whilst we had not hot water and gas, mind you we'll be lucky to get that back from their lack of response. We have spent so much money on phone bills we are at the end of our tither. The worst energy company to deal with, any advice would be appreciated. Thank you

  5. Hi

     

     

    After not having hot water and gas for eight weeks, thanks to Scottish power bad customer service and negligence, we contacted Citizens Advice Bureau and finally we received a call from what they call 3rd Level complaints department and the issue was resolved. We were then asked how much compensation we expected to receive by the representative and we said £150 for each week we were not with hot water or gas (18 March till 16 May). We have now been ignored each time we call regarding the compensation and informed someone will contact us. bearing in mind we had a small child who suffers from severe asthma and was quite ill during the period we had no hot water or gas. At one point during March and April my sister literally had a break down after being passed back and forth by customer services which then led us to contact the citizens advice bureau meanwhile Scottish Power continued to take our direct debit payments for the two months and we still have not been refunded and they refuse to respond to any of our calls. We are at the end of our tither and don't know what else we can do to get a refund of the direct debit payments they took and the compensation for the suffering we endure for those two months. Any advice will be gratefully appreciated, thank you in advance.

  6. dx and ims, i will be calling the fos tomorrow. HFC was so rude as to write a letter to me stating they would not respond to anymore of my letters but instead file them upon receipt. I had to read the letter about five times because i couldn't believe they can get away with being so rude especially when they cashed my postal order!!!. It has been a week over the 40 days and judging from their last letter i don't think i will be hearing from them so i will see what the fos advises tomorrow. Thanks again for all your help.

     

    twinkles x

  7. Hello all

     

    I'm looking for some advice regarding a request -sar letter i sent to HFC bank along with a £10 postal order beginning of January 2012.

     

    I received a letter shortly after requesting I sign an agreement to accept a payment of £600 for misold ppi which would go towards covering my outstanding balance.

     

    In the letter is also stated if i did not agree to this, any further letters received from myself would not receive a response but would be filed away.

     

    HFC stated they will no longer respond to my letters, they obviously meant what they wrote I have not received a resonse for the sar letter i sent with the £10 postal order.

     

    I am not sure where to go from here as I fear any correspondence I send them will ony be filed away with no response.

     

    I think it is quite cheeky of them to have kept the £10 i sent with the letter.

     

    Can anyone offer som advice on what to do from here on..

     

    .I am actually in the process of looking for the receipt for the postal order but not sure what i can do even if i find it.

     

    I would really appreciate your help with this.

    Many thanks,

     

    twinkles

  8. I have decide to return the PPI offer letter crossingn out the part they put in about me agreeing the money offered

    will pay back the loan (well some ofit anyway) and write letting them know i amin financial hardship

    but am willing to pay of the remainder of the loan at an agreeable sum each month.

    Do you think this is a wise move?.

     

    I will state the account mentioned above for legalities sake.

     

    let me know if this could be a good idea or maybe just sign and return the paper work

    and not receive any money as it will go to the outstanding amount.

     

    i will send them an SAR next week for the charges they put on my account though.

     

    thanks heaps for your advice

     

    twinkles

  9. Hello asmilecostsnothing

     

    Thanks heaps for your advice, Quickquid has again refused an offer and told me they will be forwarding the debt to a debt collection agency in 90 days (after it has accumulated more charges/interest unless i can make an offer of £110 a month. so I'm lost as what i can do with this account. The Moneyshop I will try and call again with a different approach but the last time i spoke to them was the third time asking if they will accept a £50 payment and the advisoe i spoke to said thats all good but each month they would still continue to add interest onto my account which i find hopeless because most of the money i pay back will be covering the interest so i lost hope there.

    I have phoned Payday express and they have informed me they will be transferring my debt to The Moneyshop as they are a sister company and i should call the Moneyshop to pay this debt as well.

     

    Wonga whom i expected to be the worst at resolving this issue have been quite understanding to my surprise, I have been with quickquid and The Moneyshop longer (2 years) longer than all the others and expected a bit more sympathy as they have made quite a substantialamount from me yet they are the ones refusing to accept anything that i have offered. At times i feel i want to ignore all of them, change my number, not answer my door and ignore the letters but in my heart i feel bad but don't known what else to do with them. The good news is i haven't received ANY txt msges from Payday express (shocking) today so maybe they have passed my debt on. I just feel at least after a month of charges they could stop adding interest but it seems by the time the debt collectors get to me i will be paying so much interest from these companies because they refuse to send the debt untill after three months of charging me interest ...I am so stressed out, I know it is my fault for even borrowing from them in the first place but it got to a stage i couldn't pay my full rent because I was owing so much... apologies for going on and on, I will call all of the creditors again on Monday with offers and hear what they have to say meanwhile if you have any advice on how to handle the conversation please forward.

     

    Ever grateful

     

    Twinkles

  10. Hi all

     

    I took out payday loans from the above company and have been using three of them for the last two years and paying back each month without fail. Last month when i realised I couldn't pay them back the full amount I offered to pay back a reasonable amount, below is the outcome for each

     

    Quickquid - owe £1300 (thanks to interest) refused the amount i offered

    The Moneyshop - owe £300 - agreed for me to pay in installments but will add 25% interest of the amount each month even though I offered to pay back £25 per month

    Wonga - £700 - (thanks to £300 interest in charges) - Agreed to freeze interest and accept £40 per month for three months however will increase amount in January

    Payday express - now £500 - original loan was £300 - they refuse to accept installment and keep adding interest.

     

    I have now resorted to putting them all on hold after cancelling my card except for wonga who i will pay at the end of the month. I received 8 txt messages from Payday express in one day which was extremely stressful. and also they send me emails with the wrong amount saying i owe them £850, when i called them they acknowledged it was an error and to ignore that amount. I am not sure where to go or how to deal with this anymore apart from ignoring everyone now since they refuse to accept any offer i make and continue to add interest. Can someone help?.

     

    In future i will put everything in writting when responding to them, i now keep my mobile phone switched off because Payday express send me text messages every hour sometime 2 an hour, i don't answer my housephone either as Quickquid, the Money shop and Payday express ring constantly.

     

    Please help, I am at a loss as what more i can do

     

    twinkles

  11. dx and ims

     

    Yipeee, thats the best news I've heard all year,

    I will certainly be sending HFC the SAR letter,

    I'm not sure how to upload the agreement as i don't have a scanner but will upload tomorrow.

    I can't believe the cheek of HFC, after all the charges they put on my loan (which I can still reclaim) they had the cheek to offer me £500 with one hand and take it away with the other,

    i will certainly be claiming all the charges now..

     

    .I guess i shouldn't be too happy yet incase they find another way of getting out of it.

     

    On another note, dx i know you said HFC should stick their £500,

    I truely wish I could tell them to do that but I am in so much financial trouble the £500 would have been a great help...

    do you reckon there is a way i can still get that and propose to pay off the remainder of the load in instalments?..

     

    Also, not meaning to be cheeky but i am having issues with Quickquid and payday express, do you know any sites that give advice on dealing with loan sharks,

     

    they have refused to accept offers i have made to pay back loans i have been borrowing for at least 2 years where i have never failed to make a payment untill a couple of months ago when i lost my job. They keep putting up interest every month and one account is over £1000 due to interest as they say they will continue to do this till i pay the full amount even though i explained my situation at the time and offered an amount.

     

    sorry to add this on as well but your epertise in any of these areas will be greatly appreciated

     

    twinkle

  12. dx and ims

     

    Yipeee, thats the best news I've heard all year,

     

    I will certainly be sending HFC the SAR letter,

    I'm not sure how to upload the agreement as i don't have a scanner but will upload tomorrow.

     

    I can't believe the cheek of HFC, after all the charges they put on my loan (which I can still reclaim) they had the cheek to offer me £500 with one hand and take it away with the other,

    i will certainly be claiming all the charges now..

     

    .I guess i shouldn't be too happy yet incase they find another way of getting out of it.

     

    On another note, dx i know you said HFC should stick their £500, I truely wish I could tell them to do that but I am in so much financial trouble the £500 would have been a great help..

     

    .do you reckon there is a way i can still get that and propose to pay off the remainder of the load in instalments?..

     

    Also, not meaning to be cheeky but i am having issues with Quickquid and payday express,

    do you know any sites that give advice on dealing with loan sharks,

    they have refused to accept offers i have made to pay back loans

    i have been borrowing for at least 2 years where i have never failed to make a payment untill a couple of months ago when i lost my job.

     

    They keep putting up interest every month and one account is over £1000 due to interest as they say they will continue to do this till i pay the full amount

    even though i explained my situation at the time and offered an amount.

     

    sorry to add this on as well but your epertise in any of these areas will be greatly appreciated

     

    twinkle

  13. hi

     

    Thanks for responding,

    I came across the agreement which they sent in 2002

    although its not signed by myself,

     

    unfortunately i threw away statements they sent me after i made a decision to stop paying them

    after several phone calls asking them to reduce the charges each time which they refused to do

    and were always extremely rude

     

    thats when i stopped paying in 2004 because i figured with all the late charges i would have finished paying the loan already

    but i was constantly paying interest and charges.

     

    Unfortunately i don't think i would be able to reclaim the charges after the courts ruled in favour of the banks .....

    unless there is some loop hole ?..

    . How should i respond to the current offer of payment which they will put towards the outstanding loan....

     

     

    thanks again

  14. Hi

     

    I'm in need of help before i respond to HFC,

     

    I took out a £2000 loan in 2002 and stopped making payments in 2004 as everytime i was late paying back they charged me between £40 to £50

     

    after calculating all the late payments they kept charging me and I kept paying

     

    I was well over the amount of the loan I had initially taken out at 26% APR.

     

    Finally i decided to stop paying altogether.

     

    They have tried to collect the money through debt collection agencies who I have ignored since then,

    although occassionally i receive threatening letters from different debt collection agencies whom I assume they sold/sell my debt to.

     

    In August i realised HFC had charged me PPI when i took out a loan and wrote to them requesting repayment for the PPi.

     

    They have now responded (a few days short of 16wks) to let me know they are willing to make an offer for £500,

     

    however if accepted this payment will be going to cover the remaining balance of the loan i stopped paying in 2004 (arrears - £1500).

    Not sure what to do,

    I would have preferred to pay off the loan in installments to the debt company as i am really struggling financially and the repayment will be a great help.

     

    I feel they should pay me the £500, they wrongfully charged me,

    not to mention i was stupid enough not to request a refund of the extortionate late charges last year.

     

    Any advice will be appreciated as to how i deal with this.

     

    thanks inadvance for all advice

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