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Tergwin

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About Tergwin

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  1. Hi, The same has happened to me, I was called, offered an excellent deal on a loan and was told the paperwork would be sent out. They said no funds would be taken until a loan agreed. Got the letter through, realised it was a [problem], and phoned them to advise not to proceed, they asked if money had come out I said no, they said they would delete application and no funds would come out. Guess what??? They took the money the next day and also sent my details to their fake company Ralph Marlon Ltd. I contacted them and was told to follow their refund policy, advised this is not a re
  2. Hi, Here goes... We moved into our current property in October '09 and since we have been here there has always been a nasty smell in the basement, we have mentioned this to the landlord on numerous occasions, we have also had problems with flooding downstairs. Last weekend this all culminated with the mother of all floods in my sons room which turned out to be raw sewage from the flats above and from the mains pipe. I immediately contacted my landlord to rectify the problem and he sent out a drain flusher. I then requested that he contact environmental health to work out what
  3. wasn't looking to you LP but thanks twas more of a general outburst
  4. I know exactly what you mean, I have had a couple of half assed attempts at things like getting my bank charges, arguing whether I owe money or not, I have CCJ's coming out of my ears, the bank have warnings flash up whenever I go in and I am not allowed to use telephone banking! So it hasn't really helped, I am so trying to get my life in order at the moment, I have just been made redundant, my boy has been diagnosed on the autistic spectrum (I believe I have similar issues) and everything is just spiralling out of control, for the first time in my life I do not know where I am going or
  5. This is epic! You go Frettful! I would also have responded positively to LP's rants, sometimes we all need a bloody great kick up the arse!!
  6. You ar eright Zamzara, I have been misinformed, and that is the nature of the problem. The good news is though Bezzer, they admit they were in the wrong, and I have a case for compensation. The main reason for my question is that I was hoping there might be a way to move things along more quickly, I really can't wait for the time it taskes to write read and respond to a letter, I will be ok in a few weeks, it's just now, because of this I cannot afford to pay my rent, and I am worried my landlord might start the eviction process.
  7. Hello, I have just returned to work after nearly a year on Incapacity Benefit. On Monday I was advised by Jobcentre Plus that i would get a 'run-on' of my IB for 4 weeks after I start work. Now when I checked my bank today, I noticed they hadn't paid, :mad::? I phoned payment office only to be told they don't do run-ons, if I had known that I would have delayed my start date, as my family are now penniless, i went into the branch (during work time i might add - new job and all) and they admit they have mis-advised me, however, all they can tell me to do is write in and complain, this
  8. Hi guys, firstly apologies for not starting my thread sooner, things have been so hectic of late, what with my 11 month old wonderboy Hugh, as well as my wife being pregnant again!!! She not been well recently. Plus we have had an ongoing issue with Family Tax Credits and have had to get my MP involved. Anyway I digress, I have been with the Halifax for a number of years, and having always lived on the breadline have incurred a lot of charges which I have always thought of as unlawful. I originally ordered my statements 2-3 months ago and after lots of chasing they finally arrived to
  9. Although I am not qualified on this subject, this sounds to me like they are threatening you without anything to back it up, see what others say, but i would stick to my guns
  10. Hello, I have been charged a couple of thousand pounds over the last 6 years, I have been to my bank many times to ask for help and say these are unfair charges, now finally i believe I am going to get some of this back, good work guys!! Thanks for the advice, I am with the Halifax, and really struggled when my baby boy was born, I contacted them before this but they did not care just carried on charging me, I now want to take this as far as I can, I am even willing to go to court if I have to!! I do believe that these organisations have been unlawful for so long and it is high time they
  11. Hello, I have been charged a couple of thousand pounds over the last 6 years, I have been to my bank many times to ask for help and say these are unfair charges, now finally i believe I am going to get some of this back, good work guys!! Thanks for the advice, I am with the Halifax, and really struggled when my baby boy was born, I contacted them before this but they did not care just carried on charging me, I know want to take this as far as I can, I am even willing to go to court if I have to!!
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