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androobe last won the day on January 20 2007

androobe had the most liked content!

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About androobe

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  1. I'm with Virgin Active Gym... I signed a 1 year contract, but if I don't cancel it by 14 days before it expires I automatically get another 1 year contract. I don't want to cancel at the moment, but I did think it was a bit unfair when I joined... so 3 months in some ways is not so bad!
  2. Keep at it, they will pay up in the end, including interest.
  3. Received my cheque this morning - First Direct suddenly got their act together when they had less than a week to go. It's taken 6 days for 2 letters and a cheque to come from them to get this settled. Took them 3 months for 2 letters before this! So, I have from them... *refund of all original charges *refund of contractual interest (at authorised rate) *8% stat interest *£80 court fees *over £50 in my own costs which I added onto the claim when they really started messing me around. Something tells me HSBC/First Direct REALLY don't want to go to court! Good Luck to
  4. I don't see the relevence of most of this. The T & Cs can be the clearest anyone has ever written anywhere, but this has absolutely no bearing whatsoever on how legal they are. I don't think anyone has claimed the banks charges have been unclear and are claiming them back on this basis? Sliding scale of charges - some banks have these too - no penalty the first time you exceed your limit, so much the next time, and more again the third time. Again, this does not make them legal. Similarly if you are forced to pay a cancellation fee for a holiday and it then gets re-sold, the penalty c
  5. Please don't give up on this one now... I have vowed never to fly with this lot again after shocking customer service from them recently, and would love to see them start to get screwed over things like this.
  6. Any offers from Jet2 on this yet? When is the hearing? I'm hoping they do show up in court because I'd be very interested to know the outcome.. but I'm guessing they will settle to avoid costs. Also, their HO has now moved to Leeds, so it's not so much of a treck (although their lawyers could be anywhere I suppose...)!
  7. Congratulations Clare! Looks like they had a busy day sending out offers yesterday
  8. Finally got my full offer from First Direct today... still holding out on the cheque though and my acceptance letter told them as much!
  9. The site is about guidance, every case is different. Basically I was claiming contractual up until the point where I issued moneyclaim, at that point I added on the 8% - after all the contractual is what they had charged me anyway, and the 8% is what I could have had if the money had been mine and I'd invested it somewhere. So it seems pretty fair to me. In addition to this they messed me around by asking for the same info over and over again, and ignoring many points in my letters, so I started charging them for every letter and phone call I had to make. Basically it has proved they
  10. Finally received the letter I've been waiting for... FD have offered full refund of all charges plus: Contractual Interest, Statutory Interest, Court Fees and my own costs. Never give up, they will ALWAYS pay up in full before court. They have asked for confidentiality, which of course I will not be giving them. They will also have until Tuesday to get the cheque to me or I will still expect them in court on Wednesday
  11. Well, I've had another letter from DG asking me to reply to their offer.. which I already did. The court date is 7 Feb so only just over a week away now. I think I'll just send them a letter reminding them of the total new amount as the interest is going up, see if they offer it in the next week or actually turn up in court!
  12. You'd be best off going down the next stage of the complaints process, you will at least get a professional individual response: Putting things right We'll look into your complaint immediately and try to sort the issue out as fully as we can. If you're unhappy with our decision, ask for one of our Customer Service Team Managers to investigate further. An impartial view We hope that we will have been able to sort out any problems by this stage. However, if you are still not satisfied after speaking to one of our managers and would like an impartial review, please wr
  13. Blackers, your original post is confusing... You said "decided to monitor my monthly payment for any anomolies" but your next paragraph says "I discovered 2 weeks ago that after the 3 months free isurance ended 02 had been charging me £4.99 per month for insurance" So this suggests you didn't monitor your payment? If there was a fault with viewing your account online did you pursue the matter to get it fixed - it can take a couple of weeks but they always should get fixed if you complain. Also, you state you knew there was 3 months free insurance, so I'm sure you would have been aw
  14. Yes it is wrong I'm afraid (would be nice if it wasn't!)... you can only claim interest from the date of each charge. So if they first charge was 2409 days ago, you can claim 2409 days interest ON THAT CHARGE. If the next charge was say 2000 days ago, you can claim 2000 days on that charge etc etc... if your most recent charge was only 90 days ago, you can only claim 90 days interest on that one. Make sense?
  15. We are aware they charge an admin fee. The point is if it's not reasonable and in line with their costs, it's unlawful.
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