On the 11th Hour, 11th Day, 11th Month the First World War Ended "Armistice Day" In Flanders Fields Poem In Flanders fields the poppies blow Between the crosses, row on row, That mark our place: and in the sky The larks still bravely singing fly Scarce heard amid the guns below. We are the dead: short days ago, We lived, felt dawn, saw sunset glow, Loved and were loved: and now we lie In Flanders fields! Take up our quarrel with the foe To you, from failing hands, we throw The Torch: be yours to hold it high If ye break faith with us who die, We shall not sleep, though poppies grow In Flanders fields. Composed by Lt Col John McCrae at the battlefront on 3 May 1915 During the Second Battle of Ypres, Belgium

Firstly, EVERY point in this review and statement here is backed up with copies of emails, court filings and recordings. So whatever WMS say in response it is true and court records reflect that. What to say about WMS? http://www.wmsgroup.co.uk/motor-trade-warranties/car-warranty/ Sit back because this is a hell of a story. Well my father in law purchased a 5 star policy from them to cover his Range Rover Sport. He paid extra to have main dealer work undertaken should anything go wrong. 2 years into the agreement the engine was destroyed by an incident where was breached after an internal failure. Pretty much fatal. He tried to make a claim against this warranty. This is where our near two year battle started. At first it was declined because he didn’t use a Vat registered garage even though this wasn’t a requirement of the policy he took out. 
he was told he HAD to take it out of a main Caffyns dealer as they would not pay dealer pricing even though he paid for the 5 star warranty which included this. 
After 3 months we finally got them to agree to get an engineer to inspect the vehicle. They used ACE, a company they have used on numerous occasions and who does work under contract for WMS. Not surprisingly they decline the claim. Firstly they claimed low oil. Then aerated oil. Because it was oil related they said they would not pay out. At this point we were dealing with the MD directly, John Collingswood. We asked to appeal. At first WMS did not have a clue what they are doing. In fact pretty much throughout despite numerous requests they never once supplied me with a formal complaints for appeal process. Eventually they agreed we could get another engineer to comment. We did and they found that this was not oil related. We submitted the report to WMS who then asked a senior engineer at ACE to reply (he had and has never seen the car). He stood by ACE findings even though the report from DEKRA picked apart the claims. Claim was declined again. During this time we were accused of riving the car to destruction, low oil and not servicing the vehicle correctly by Mr. Collingswood who always had a reason to not want to pay out. We instructed a further engineer MET who also found that this was not oil related and not wear and tear. Report submitted to WMS and again ACE response via an engineer who had never seen the vehicle . The claim rejection was upheld. Again we asked to appeal. Again WMS had no idea of what their own policy or procedure for this was which was even more worrying as we were dealing directly with the company MD. Also over this time as I was helping my father in law, Mr. Collingwood called my employer and the police on me (I was sending him regular emails which in his eyes was harassment). My employer wasn’t bothered and the police said it was a civil matter. These bullying tactics were prevalent throughout – blocking email accounts so we couldn’t contact then, legal threats, insults (he accused me of having “special needs” in one email) We were eventually told a joint report would need to be undertaken as the final part of the appeal but this never took place as ACE and WMS kept moving the goal posts. Eventually WMS tried to charge us £1500 for this report to take place. Which obviously we refused. Not one cost had been refunded or met. They refused to issue a formal decline letter or settle on an actual reason for decline. They blocked further email accounts so we could not speak to them and would not take our calls.
 As this was not a FCA agreement we could not go to the Ombudsman and had zero come back. 

Most people would have walked away. We took the case to the small claims court. It took over a year. 3 appearances in a court room. And literally thousands of pages of emails, notes and work. 

WMS hired a firm of local solicitors (Stephen Rimmer) at great cost (the solicitor costs would have been at least 3 times what the final settlement and claim was if not more). They even hired a barrister to represent them in court (at probably several £100 an hour). At every turn they tried to out spend, out muscle and threaten and scare us off. They failed. After MUCH work and a whole day in court, a year later we won a judgment and pay out. 

WMS lost. And decisively at that. The judge ruled that this was NOT lack of oil, was NOT caused by not maintaining the vehicle, was NOT due to the vehicle being driven to destruction and was NOT caused by anything we could have foreseen. It was a mechanical failure and therefore the policy should have paid out. The judge dismissed the ACE engineer and his report, the opinions of Mr. Collingwood and awarded my father in law a settlement of just under the small claims limit. In short we won, we beat WMS and they had to pay out because they declined a claim for no just or reasonable reason. 

My father in-law still lost money – hire car charges not covered, loss of wages etc. (not to mention the cost of the worthless warranty) - but the money paid for the engineers, experts and the replacement of the engine which he funded himself out of his own money. WMS tried to bully us. Scare us. Threaten us. And lied. All so they didn’t have to pay out on what was a valid claim. If we lost we would have been liable for several thousand pounds in costs, court fees and expert fees. It was a risk but we were in the right and knew it form the off. They tried to spend more, use their solicitors to try to scare us off. Didn't work. The message here is simple: DO NOT USE WMS. Don't even think about it. Move on. Read forums and other review sites other than Reevoo (see below) They are a terrible company who use under handed tactics and bullying to avoid paying out. There MD is not above using underhanded tactics to scare you off – from calling employers, to the police and lying to both. If you do not have a FAC regulated agreement you have NO legal come back unless you are willing to go to court and risk losing. Again AVOID WMS like the plague. There warranty is not worth the paper its printed on. Checked out the Revoo score on their website ? 96% This is ONLY from people they have paid out to (read the small print) and does not reflect the real feedback that is all over the net. WMS do NOT payout. The warranty is worthless. More over the company are morally dubious in their tactics and way they treat customers. There is no external or formal appeal and if the MD doesn't like you he will try to ruin your life as well as take money from you. We are free of WMS now and their tactics after near two years hard work. Please don't put yourself in this position. (NB: WMS appealed this judgement. Today we went to court and the judge threw out the appeal. We have finally won this case after 893 days from the original issue occurring. We won. WMS have spent over £35k fighting this claim in court. )

hi everyone, almost 3 weeks ago like a plonker I rear ended a bmw causing £960 pounds worth of damage which im going to settle out of my own pocket save my insurance. it was totally my fault so cant complain and I was in my my 1 year old car so insured fully comp and and the car I went into was a 12 plated bmw. to save any further claims after I have paid out is there any kind of form I can print off get him to sign which he says he will so he cant make any further claims agiast me ? many thanks for any help folks.

I have an 18 year old friend who bought a brand new Ford Fiesta in May 2016 on HP. She drove it for just 1 month – in hindsight she feels was shoe-horned into the deal & was given 30 days free insurance by the dealer to get her on her way quickly. The car has been parked up since June (all monthly payments have been made) but no one would insure her at the end the 30 days free insurance period. Yes .. she should have looked into insurance BEFORE signing up (Naïve 18 yr old girl) Does she have any form of re-dress with the manufacturer (dealer doesn't want to know) or with the finance company?

Hi - my daughter completed her degree this summer and left her rented accommodation at the end of June. She forgot to cancel the standing order from her bank account to the letting agents and so a payment of £912 was paid to them at the end of September. The rent was paid quarterly and I think the summer one didn't get paid as she had no money in her account. She had just received her first month's salary which meant there was sufficient funds for the standing order to be paid this time. She called the letting agents as soon as she realised what had happened and they said they would send her a cheque less £10 admin fee. The cheque didn't arrive, so she called them again and was told the cheque was in the post and that is should arrive within the next day or two. It didn't arrive so she called again yesterday, and was told it would be put in the post and should arrive today, but it still hasn't. Could somebody advise as to the best course of action please? Thank you!!

we had a loan with blemain, which I will admit we didn't run well, however we got right through the 99 month term and paid as per the instructions and monthly agreed amount. However after the loan term ended I contacted them to make sure that we were clear and got told we still owed £14009 as far as I can see from the breakdown they have sent me this is charges for missed payments/letters/phone calls etc etc, but this is nearly 50% of the original amount we borrowed and just seems completely and utterly wrong, I got in touch with the ombudsman but because its an unregulated loan there was nothing they could do, I have had to agree to pay £245 per month until this is cleared, but I just don't feel right doing this, can someone please help, as I really don't know which way to turn, if I don't pay the monthly fee agreed they have threatened repossession.

I was a Plusnet phone and broadband customer until I found a better deal with another company for the same services at a cheaper price. I telephoned Plusnet before my contract ended to ask if they could give me a better deal or at least match the deal I would get as a new customer. They couldn't do it so i signed up with a new provider. I have changed providers many times when contracts have ended and usually have no problems My contract with Plusnet ended on the 15th of June 2015 and I moved to my new provider. I even received a refund from Plusnet for the overpayment I had made from my previous bill. I then received an email from Plusnet saying I owed them money. I logged into my Plusnet account and they have added an Outstanding Cancellation Charge. I telephoned Plusnet and was told that they had charged me a Cessation Charge for cancelling the Broadband on my telephone line. The rep then told me that my new provider did not accept MAC codes and that it was an Admin charge for passing on my details. I was furious and told him that I would not be paying this unfair charge as I am still using the same telephone line as before. I then telephoned my new provider who said Plusnet were being very naughty and they should be reported to Ofcom. New provider said that you no longer need a MAC code to change providers and Plusnet were just trying to make money out of me. When I signed up to my new provider I gave them all my details so I do not understand why Plusnet have levied this charge on my account. I have already made a formal complaint to Plusnet and I am currently awaiting a reply.

Hi I am having an issue with my current employer, I have received a letter inviting me to a meeting to assess whether my probation period is going to be terminated or extended on the basis of sales targets that have not been met . This meeting is to take place AFTER my probation period has ended? Can they do this, does this not mean that the probation period has ended and they therefore have to give me 4 weeks notice and can no longer extend the period? My contract says that they can extend my probation period but nowhere does it mention meeting any sales targets? Thanks for your help!

Hi folks, just joined and looking for advice. In January 2012 I entered into a 3 year trust deed. After about a year I sustained a serious head injury and was left with brain damage which meant I could no longer work or afford the £200/month payments. I contacted the company and they seemed very helpfull and agreed that while I was on benefits I would no longer need to make the payments. Last summer I was contacted by them and they asked if I could have a letter from a medical professional dealing with my case to confirm my injury was long term with a view to closing my trust deed early. which I arranged. I called them at the end of January to inquire about what was happening and I was told that the creditors were being informed and the deed was moving to closure. 2 weeks ago I was contacted by a member of the company who seemed quite angry and told me I had to pay all the £200 installments. I told him about my previous correspondence with his company and haven't heard from him since. I am however concerned that I am still not in receipt of my letter of discharge. Any advice would be greatly appreciated.

Hi I would be grateful for any advice. my mortgage with santander has come to an end and i have a shortfall of 40000. I work full time have no arrears. I can continue with payments but will they want to repossess for outstandnig balance.

Can anyone please give me some advice on the following problem.... My daughter has been doing temp contracts for the past year and the last one ended at the begining of July, the company she worked for (for 6 weeks) was in the process of being transferred to South Africa and the building is now empty. Anyway to the problem, last month she was paid a full months salary which neither of us are sure she should have been paid and again today they have paid her a months salary and even deducted an amount for a pension! We know she cant keep the money if she isnt entitled to it but we have no idea who or where to contact to sort it out! For now I have advised her to open a basic savings account and transfer the money to it and must not spend it! So if they dont ask for it back what do we do? And for how long after she receives the money can they ask for it?

Hello, all you wise and wonderful people. Heard about The Group from a friend, and would welcome any advice you can offer, on behalf of my son. He has a mortgage with Northern Rock and currently owes £67000 with no arrears. On 8th July 2004 he borrowed £17,400,he cannot remember who from, but subsequently G.E. Money Home Lending took over the loan.(He rather thinks 'his company' was bought out.) The monthly installments are £288.64 Current monthly rate was 0.750% He is a self employed steel fitter and has struggled finding work over the past few years, consequently, he fell into arrears. On 21st April 2011 a GE Money statement stated that the amount received since inception is £13.374.27, fees and interest stand at £7,804.01 and capital balance is £2,503.13 On 16th October 2011 the monthly arrears statement ran as follows:- Original amount borrowed £17.400.00 Monthly Installment £288.64 Account Balance £20,430.38 Type of Account Repayment Mortgage Original Term 90 months (7 years 6 months) Remaining Original Term 4 months Total cost to repay the loan £20,919.21 He informed them that he could not afford the settlement figure and it was agreed verbally over the phone that he would continue the installments. No paper work to confirm this was ever forthcoming. He was taken to CC for repossession November last year, he filled in a N244 and the judge made an order for £288.64 plus £50 for arrears, plus a chance to sell the house himself. It was put on the market,current value in region of £130000, best offer received was for £70.000. Unhappy about all the charges for late payment etc sent GE Money a SAR last Friday. Notified on Saturday by the CC that he would shortly be receiving a bailiff warrant for possession, enclosing a N244. Went to see a CAB officer this morning who said he could not fight the warrant, as there was now no paperwork to attach a N244 to. Would really like to get a view of the original loan agreement, would this be covered by the SAR? Would also like to argue that in view of illegal interest charges,we do not know the true figure of the loan. Is my son wasting his time trying to fight? The house is still on the market incidentally. He has spoken to Northern Rock today, who say they cannot interfere, "as nothing to do with them". I would appreciate any comments or help that you can provide. Thank you for reading.

My husband has been ill and receiving sickness benefits for nearly 2o years. He was assessed last year and put into WRAG group but wasnt well enough to appeal for a move to Support Group. Our money stayed the same in the changeover from IB to ESA but now his contributions based has ended we are £30 a week less - all I claim is Carers and CTC. So much was made of nobody losing out, and it seems although we are lucky to still be getting ESA, financially we're worse off than ever. Am I missing something somewhere?

hello after recent atos medical I went from support group to zero points taken off esa on 9th april rang dwp to ask them to look again at my case my doctor gave me a sick note and updated my medical reports which I sent in got a letter from dwp saying they will pay me £71 from 9th april and in the next paragraph says they cannot pay me from the 10th april as I have reached 365 days on contribution based esa does this mean I will not get any payments whilst in appeal I cannot get income based esa so do I still need to send in sicknotes any ideas please anyone

I was employed on the basis of basic plus bonus (the bonus was the majority of my wage). I ended my employment with holiday pay outstanding. The company have since confirmed in writing that 1) Holiday pay I received is for basic salary only. 2) Holiday pay is based on average earnings (basic plus bonus). 3) Other employees have confirmed in writing they were paid on basic plus bonus for holidays taken the same month. 4) My ex employers will not offer any explanation for the shortfall. I cannot go to the Employment Tribunal as it is out of time but any advice is appreciated.

I have recently ended a probationary trial period myself. I discussed the reason as to why with HR two weeks prior and stated that I did not approve of the office politics. After ending my trial period I handed in a Med 3 and self certification to cover myself. (two months). Do you think this will be the end of the issue or will the company make waves for me, as I am unsure of how much notice I should have given. Fortunatately I had not received a full contract of employment only a brief terms of contract in my offer of employment. I have no intention of making waves or taking any matters further, just to walk away quietly and put the last three months behind me.