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master99

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About master99

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  1. Hello every one got some rubbish news today from the financial ombudsmen and my i would like to say first when dealing with this it is very draining, furthermore from the get go, the adjudicator from the financial ombudsmen named "....", was on the side of Egg from the start, her attitude towards me her tone of voice was wrong, furthermore when speaking on the phone she was defending egg that's when i knew she had already made her decision Financial ombudsmen are suppose to be in the middle to settle disputes but unfortunately i have found out the hard way they are ..... Complete
  2. Hello every one got some rubbish news today from the financial ombudsmen and my i would like to say first when dealing with this it is very draining, furthermore from the get go, the adjudicator from the financial ombudsmen named "Christina Oreilly", was on the side of Egg from the start, her attitude towards me her tone of voice was wrong, furthermore when speaking on the phone she was defending egg that's when i knew she had already made her decision Financial ombudsmen are suppose to be in the middle to settle disputes but unfortunately i have found out the hard way they are ****
  3. Hello every one got some rubbish news today from the financial ombudsmen and my PPI CLAIM! "Egg credit card" i would like to say first when dealing with this it is very draining, furthermore from the get go, the adjudicator from the financial ombudsmen named "Christina Oreilly", was on the side of Egg from the start, her attitude towards me her tone of voice was wrong, furthermore when speaking on the phone she was defending egg that's when i knew she had already made her decision Financial ombudsmen are suppose to be in the middle to settle disputes but unfortunately i have found o
  4. hmm I did use paypal to pay paypal refused the charge back to Lloyds TSB. stating the goods (where as described) i basically i said "how do paypal know the goods where as discribed if they where not my apartment when i took it out the box? surly the customer would know not paypal " then after writing to the chief executive of paypal (email) they refunded me my money back. LLOYDS TSB have no grounds for asking for the item after 2 months they didn't follow proper procedure, if anything they should have ask me to send it back first but like I said the seller didn't wont the items back.
  5. If an item is not as described, faulty, non delivered, and you used a debit card to purchase the item, "for what ever price" and you card debit card has a visa logo on it, that indicates you have some protection under visa rules which the banks subscribe too. you can see for your self here: http://whatconsumer.co.uk/visa-debit-chargeback/ so does any one have any ideas how to defend this?
  6. There is no more to the story, that is it, i found it bizarre that now LLODES TSB are asking for the item back after 2 months when they already wrote to me 2 months earlier saying they refunded me and now the case is closed. they wont me now to send the item back to them. I bought this off ebay. using a visa debit card. item was not fit for purpose, nor as described. seller did not wont the item back. so i asked llodes tsb to do a charge back, they said there wear not successful then i complained then after a week got my money back, under the visa rules. then case closed 2 months later ll
  7. Hello to all, VISA DEBIT CARD: CURRENT ACCOUNT. I bought an item of eBay, lets say around £100, i received the item and it was not fit for purpose, not as described, so i tried sending the item back for a full refund. The seller said he does not accept goods back he was a private seller not a business seller, after weeks of trying to get the item to him he was not going to take the item back, so i went for a charge back with LLOYDES TSB who i bank with. They did a charge back but they said they failed to secure a charge back, ok i thought then i complained, then they
  8. Press releases 2010 OFT consults on unenforceable credit agreements guidance 05/10 27 January 2010 The OFT has today published draft guidance for consumers and industry on the application of sections of the Consumer Credit Act 1974 (the CCA) that allow consumers to request information about their credit agreements. The OFT is consulting on guidance because of concerns that some debtors are being misled into thinking that these sections can be used to get their debts written off and that some creditors are not following legal obligations to
  9. Thank you very much sir, so it looks like i will not be able to defend against it in court, even though they defaulted on this account hmm.. anyway thanks your a super star
  10. Thanks for your reply, how would i know if there front or back it seems there just 2 pieces of paper separate, and a letter from Lowell asking for money. has any one actually looked at the link i have provided? for information? hmm... can anyone point me to any good letters basically saying 1.) they are in default of the account because i sent the request on the 8th December 2008 and got some fake agreement on the 16th of January 2009, it also states on there letter they wrote to me that the balance of the loan was nill but still want me to pay them money. which is on the link i have
  11. can you close this thread now. Halifax has been done with. thank you
  12. please accept my apologies, i was not getting any reply's that's why i posted more threads. it want happen again. i bid you good day sir:D
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