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GreatWonder

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About GreatWonder

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  1. It's not Very is it? (4 asterisks in your e-mail and they have been mentioned recently in the media for a complete hash of handling Mothers Day flower orders / deliveries).
  2. And you have had confirmation from the prospective employee that these three 1 month late markers were the ACTUAL reason you had your job offer retracted? You do realise CallCredit only show selective credit history, you would need all your credit files (inc. full Experian and Equifax reports to get your complete history, and 6 years worth of addresses). I cannot really see (though obviously cannot definitively comment on behalf of the company) on how three 1 month late markers would lead to job offer being retracted. A default, CCJ's, CAIS, CIFAS or strings of 2 or 3 months arrears
  3. To cut a long story short, I moved address end of August this year, all my credit card companies / banking accounts were happy to accept change of address via their website / online facility. Excepting 1 company whom would only accept COA in writing. Duly sent letter confirming new address and have since received statements at my new address. I have in the last few days requested further finance from this company and only during a telephone conversation this evening discovered that they did not receive, or more likely did not correctly process my change of address. This
  4. Is this account in arrears? As txtloan only offer £100 fixed loans for 1 week as a rule.
  5. British Gas do - and others are set to follow suit.
  6. I believe 'Service Charge' is their way of making 'Interest' sound much nicer! I opened a JD Williams account and within 5 months my credit limit was £900. I have not purchased anything since my initial small order. Slightly O/T but I'm amazed at some of their prices on high street lines, sometimes over double other retailers selling price and then their extortionate interest on top!
  7. I stopped at a Travel Lodge with a partner about 3 years ago, we were out for the afternoon and on our return the television was on with a static almost teletext looking page stating that smoking had been detected in our room and we would be charged as per their t&c's. Neither my partner or I were smokers. What we did notice though was that the fire detector / alarm had been covered over with a dust protector and a solitary cigarette butt in the bin in the corner. We never did work out if they were there on occupation of the room or mysteriously appeared over the course of the day we were
  8. Refer them to their own Fair Fees policy which states that no charges are incurred if your account is brought back within it's OD limit (or back in to credit if no OD limit) by the end of the day the transactions occurred.
  9. Refer them to their own 'Fair Fees policy' which states that they will not charge a fee for any request of £10 or less. I'm not sure how or why they have charged you £25 for each £10 transaction. They also state they will never charge more than you are over limit by (which means if you were less than £134 OD in the month they are also breaking their own rules).
  10. I recently noticed an account for 'Santander Cards' on my credit file too. It was only when I looked at the credit limit that I realised it was my store card (Topman in this case) which used to be run by GE Capital but now seem to have been taken over by Santander.
  11. Having watched other stories about non-payment of cashback through Quidco unfold, I am certain that there is no comeback if your cashback is not validated or declined. The offer of cashback is not part of the 'contract' you have had (in this case) with Virgin trains. Cashback is an incentive but is never a guaranteed component of a transaction with a merchant who offers cashback through Quidco. Better put, it's a bonus that is subject to availability. They do state that they promise to give you 100% of the cashback that you earn (minus the £5 annual membership deduction) but they cannot
  12. Pathetic claim. What if a child had a bad accident and needed immediate attention to a deep cut or ressucitation or similar? The trained first aid staff the nursery should have would not be able to touch the child and possibly leave them to die? Can't have it both ways.
  13. As I've had a previous interest in autographs I have just checked this website and I must say some of the 'authentic' autographs they are stocking are a COMPLETE JOKE! There is one in particular which is NOTHING like the artist's signature, more akin to a 4 year old's scribble. I can't comment on many so I'm sure they do carry some perfectly legit items, but please if they are so called experts in their field surely they would compare some of their stock to widely available examples of the celebrities actual signature. I personally would avoid any site like this. The best way to obtain a
  14. I've never encountered a Letting Agent that undertakes a fresh credit check on renewal of a 6 month tenancy so I wouldn't worry about that. They may ask for a further 6 months rent though again if you've been a good tenant and kept the property in good order and not had any bad words with the Agency I would think they may just offer a renewal (if available) under normal terms. My last tenancy began with a Guarantor being required but after the first 6 month term this was no longer asked for. I would recommend contacting the Agency and asking what the renewal conditions are li
  15. I know this won't really be considered help, but I would seriously consider changing banks when this is all resolved! I know these charges are technically not legal however there are banks where you would have been a lot better off in this situation. For example I bank with HSBC and for those 4 transactions occuring where there were no funds available, HSBC would have charged me £0.00. Any amount £10 or under is not charged and any above is never charged at more than the amount itself, up to £25 max per single transaction. There are more lenient banks out there (while we wait
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