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  1. My wife felt her glasses that she uses for driving were not as sharp as they used to be and called Boots to make an appointment. Off she trotted for an eye test. They told her that she needed new glasses for reading, but she told them she was happy with her reading and just wanted her distance vision correcting. They then tried to sell her varifocals, but once again, my wife reiterated she just wanted her distance vison correcting for driving. When she told the optician that her eye consultant told her not to have them due to a slight issue with a cataract, she was answered with a "pfffft', and a shrug of shoulders, the inference being that that was a ridiculous thing to say. Anyway, she chose some frames and I was present when paying for them when the manager said;"You'll really notice the difference with these specs..." When she collected her new glasses, once in the car she did a side by side test with her old glasses to find that they were no better, and possibly worse. She stuck with them for a couple of days, but repeatedly found no improvement. I then took them back to the shop for a refund only to be refused and told" nobody forced your wife to buy them". I left them on the counter and after several failed attempts managed to get hold of the regional manager who repeated the, "nobody forced...", mantra. I was having a measured conversation with her when she said, "We are going round in circles here" and put the phone down on me! My point at this stage was that my wife had been mis sold the specs as apart from her reading requirement, her long distance vision prescription had changed by the smallest amount measurable. After a small amount of googling, it became clear that many opticians would not prescribe new glasses for such a small change as the difference would be unnoticed by the wearer. At no point was my wife asked if she wanted new glasses when there would be no no percetible difference. She already had 2 pairs of glasses which the opticians were aware of, having checked their strength on a machine in the shop. It became apparent at this point as well that the store wasn't even a proper Boots Opticians but merely a franchise. I escalated this to Big Boots in Nottingham and went through customer service levels until I got to the team leader of the Opticians team. She was rude, patronising and completely obstructive. She was talking to my wife as she refused to listen what I had to say, dismissing my points with "You weren't in the room." She constantly tried to trip my wife up on her statements to try and discredit her point. In the end she said,"Nobody told your wife her prescription hadn't changed, she bought the glasses anyway". She seemed to think that was her winning point and would not take on board that proved the specs had been mis sold as it was clear to the optician, if not my wife, that that was the case, and clearly didn't need them from a practical point of view. I spoke to this harridan again (Customer Services shouting? Epic fail!) who just point blank refused to do anything about the £150 wasted and refused to tell me the name of her superior. She also told me that as we had used a franchise it was them I should deal with and not Boots. Utterly gobsmacked with their attitude. Am I being unreasonable in wanting a refund? Can't believe Boots are behaving this way, totally bizarre.
  2. My wife bought a Mini Cooper from Masters Mitsubishi in September 2014 - They sold it saying the car had run flat tyres - She had an issue with a flat tyre and took it to a tyre specialist who told her they were normal tyres not run flats. We contacted Masters and told them that they have not provided the tyres as detailed in the sales pitch - The managers said nothing he could do now and said the sales agent does not remember saying they had run flats and that there was nothing he would do for us. As far as I am concerned this breaches SOGA / Trading Standards - please correct me where applicable. I find it very frustrating to be fobbed off like they don't care which they obviously do not. What course of action would you say that I now pursue? Thanks Justin
  3. Hi folks, This thread may be over as soon as it's started... Back in the 1990s I was one of the many people who were mis sold a private pension. There was the Pension Reiview in 1994 and the company who sold me the pension admitted they were incorrect in doing so and offerred redress of around £27k (to be added to the pension pot). Of course, muggins here didn't follow it up and I now realise that there was a time limit (31st March 2000) to accept their offer. I think at the time I must have been under the impression that they would just add it by default, which of course they wouldn't. Question is, is it now too late to do anything about it? Thanks.
  4. Hi, i bought Nissan micra today from a private seller. Seller didn't mentioned us about any car accident history. It was unluckly rainy weather today.. i couldn't check car properly. When i reached home i noticed car radio security code is locked. then i opened bonnet and noticed that front light is broken as well. then i checked HPI online and findout its category 'D' previous. I did mentioned all this to seller but now he is not picking up my phone call. Please help, i will appreciate your advice.. i paid £2700.
  5. Hi all I have recently been on the look out to purchase a Nissan navara on contract hire, while browsing the web I found a site called contract hire and leasing that gives prices from a number of different companies, I requested a quote from several company asking for a Nissan navara inc. sat nav.(I have all the emails) the following day I had a quotation from a company First Call Leasing which looked competitive so decided to opt for them and pay there £250 acquisition fee, because we were in a hurry to get hold of this vehicle I pushed the agreements and contracts through "without really checking the vehicle spec to be honest" as I assumed this vehicle was what I requested. I was due to take delivery today and on arrival of the vehicle I noticed that there was no sat nav installed so I did not sign the delivery note. now they are saying it will cost me a further £500+vat to cancel as it is my fault for not checking the contract, regardless of them so say being a experienced and reputable company who have clearly mis sold me a car I did not request. Do I need to take this further or is there something or someone else I need to inform of this??? Many thanks in advance
  6. Hi I purchased a 2 1/2 year old 14,500 mile DS3 THP from Randles in September the advertisement stated that it had a full service history and excellent bodywork and I was assured that because of the age it was fully covered by the manufactory warranties as well as their own limited 3 month warranty. I paid £10,000 when I got home I washed the car as it was covered in dust/grime immediately I notice body work damage on the passenger side and around the back panel /light cluster there was clear evidence of a poor re-spray with creasing and flaking to the paint work, I then looked in the books and found that there was no service stamps ( I know should have checked first but this is a Peugeot Franchise ) and it clearly states that this re-spay and damage voids the paint and corrosion warranty for that part of the car and as it has no service history I am worried about the engine/part warranty. I contacted Randles and explained via telephone and letter the issues and asked them to remedy the issues. The sales manager and franchise director have both turned around and said that if I want the damage fixed to take it back to them and pay them to fix it and that they serviced the car and if I post the service book to them they will stamp it for me though they will not give me the technicians log book for the day my car went in for this supposed service. Randles will not - offer to fix body work for free offer payment for myself to get it fixed even admit there is any problem offer to do a full service for the age of the car Do anything I have got my own quotes for the work - £1700 for the bodywork £250 for a service from Citroen I paid top list price for this car which should have been in as new condition with all stamps and warranties and I now have warning lights on my dash which I don't know if Citroen will do under warranty, flaking / poor paint work , damage to passenger sill and no service history. Apart from taking them through the small claims which feels a bit daunting is there anything I can do????
  7. Hi, Back in 1996 I was mis sold 4x insurance policies by Lloyds bank. London & Edinburgh - Commercial Overdraft Repayment insurance LTSB General Insurance - Health Cover 5 Star Ambassador Insurance Co - Private Medical Insurance Royal Sun Alliance - Hospital Income Plan Consolidated M&G - Accident Protection Plan All policies were sold by Lloyds. If anyone has any additional information on these policies it would be appreciated. At the time I run a small business with two employees with my father as a partner. After ten years of trading and being with Lloyds I simply applied for a bank overdraft facility extension (£5k-£10k, but ended up being made to sign up for 4x policies - these were made a condition of the overdraft being granted, with pressure selling present by two Lloyds bank manager who came to our office 'for a chat'. I protested - and asked if there was anyway the overdraft could be put in place without the Policies, but the answer was a emphatic 'no'. All policies started and were cancelled within 3 months of each other. After the policies having ran for 5 years, and when the managers had moved on - I asked a back off staff member if I could cancel - to which the reply was 'of course', a further discussion revealed that the policies were never actually 'required' for an overdraft. A few months later I moved my account to another bank, who put in place a £10k overdraft, and never once asked for one insurance policy ! Both my father and I remember having a bad taste in both our mouths after they left ! But we trusted Lloyds bank, and buried our cynicism. Only when the PPI saga emerged did I realise we had been mis sold, and we had in fact been milked by our bank for as much as they could get, not a very good way to build trust as a customer ! I am now in the process of dealing with Lloyds bank, but it is proving difficult as I have no bank statements or original contracts, I do how ever have my Sage Accounts nominal records and original Inland Revenue Tax Returns (along with my Year End Accounts) - which verify the ledger year end figures on the nominals. The nominals show all the payments made, and the IR Returns verify theese amounts paid. I also have a prinout from Royal Sun Alliance confirming 3 of the 5 years 'Hospital Income Plan'. On another forum a few posters feel my 'complaint' of mis selling is invalid. My father and I both remember the long winded and rambling meeting, and us looking at each other when they had gone sensing something wasn't right, clutching a bunch of papers that insured everything including my right toe nail. We felt we'd been mugged off to be honest. The policies were wholly unnecessary and not what we asked for, we simply wanted an extension to our overdraft.
  8. I have posted below a copy of an email I sent to jeremy darroch @ bskyb com. In the past when I have hit a brick wall with Sky customer service this usually resolves the matter fairly quickly. On this occasion I have not even received an acknowledgment let alone a response. I sent the email on Wed 26/11/2014 at 18:26 so maybe I am hoping for a response too soon, but I need to plan my next move should an adequate response not be forthcoming. My main question is that given that Sky mis sold the fibre broadband can I cancel my whole Sky contract? Retentions dept seem to think not as I am apparently I am tied into line rental and TV for 12/12. I didn’t realise I was signing up to TV for 12/12 again and assumed the whole line rental/internet go together. I would not have agreed to a 12/12 contract for these if I knew the fibre would be for 18/12 so by misrepresenting the fibre contract I feel the whole thing should be called off. I am also not too happy they misled me about my potential line speed. Dear Mr Darroch, I write to you as a Sky customer of 10 years and I will try to keep this succinct. My Sky broadband recently failed resulting in a call to Sky. I was suspicious the router had failed as it was acting odd, but during my call a line fault was diagnosed. I was told it would take 72 hours for an openreach engineer to investigate and I would get a call between 2-3pm the following Tuesday. After 2 days with no internet I decided to try an old router I had lying around. Not so surprisingly this worked confirming my suspicion the original router had failed. Sky then phoned me on the Monday but being at work I missed the call. Thankfully they called again later and seemed surprised I had my internet back. They explained my router was out of warranty and if I was ok they would close the sport query and I could just carry on. This incident prompted me to investigate if fibre broadband had become available. I discovered it had so called Sky on 12/11/14. After much haggling I was offered a 12 month contract which included fibre broadband. Having seen online that fibre contracts tend to be for 18 months I queried this point and was told that new customers get an 18 month contract but being an old customer mine would be for 12. I was also not informed that I would have no 14 day cooling off period and I was also told the maximum speed available to me was 40Mb. I have a recording of this call. Following the call I received an email which appeared to confirm a 12 month contract (see email 1 below). Over the following days I received my Sky hub and my fibre went live on 25/11/14. To my surprise I received another email detailing an 18 month contract (see email 2 below). Obviously I had not agreed to this so called Sky again on 26/11/14. Eventually retentions told me they could remove my fibre contract as it was miss-sold but this would remove my 6 months half price fibre and increase my monthly bill, or I could simply accept an 18 month fibre contract. I explained I was not happy with either of these options but then I was informed I could not fully leave as I have allegedly re-contracted for TV and phone so these will remain with Sky for 12 months. I believed I signed up to Sky as a whole package for a certain amount of time for a particular price, I was not aware of different contracts tying me into services separately. I am not happy to pay any more than the price that was agreed or be forced to stay with my entire package for any longer than I agreed. The annoying thing is I would most likely still be a Sky customer long after 18 months anyway but I take exception to being forced to via misrepresentation. If I do end up leaving following this incident I would have to remove all my services to another provider to ensure I get the best deal. I cannot simply just take my fibre broadband elsewhere. I do however not wish to leave and would rather find a more amicable resolution. I have since further investigated your packages and note that you have a Sky Fibre Pro service with a 12 month contract so it is clear that 12 months was available. I have checked my line speed with BT wholesale and it confirms that I can get up to 80Mb downstream and 20Mb upstream. I was not made aware of this during my original call only being told my line would support up to 40Mb. I now know this is what the service you have given me is actually capped at and not the limit of my line as was suggested to me. I do however note that this service is more expensive that the one I have been signed up to. I would appreciate you looking into the issues I have raised and I look forward to your reply and suggested resolution. Kind regards xxx Sky Account No: xxx Mob: xxx EMAIL 1 – 12/11/14 Dear xxx Account Number : xxx I'm writing to confirm that you have agreed to take up our fantastic Line Rental for 9.99 GBP for 10 Months (Recontract) - Existing UK Customers. We also wanted to remind you that as part of this, you've agreed to re-subscribe for a new minimum term to the products listed in the table below: Subscription Contract Start Date Contract Length Sky Broadband 12/11/2014 12 Months Sky Talk 12/11/2014 12 Months Sky Line Rental 12/11/2014 12 Months If you cancel or stop paying for your subscription(s) before the end of the minimum term (other than where you have a right to do so under your contract), we may charge you early termination charges. These will be based on the amount of subscription payments due for the remainder of your minimum term less any costs we save, including the cost of no longer providing you with the service. We will give you reasonable notice in writing before making any charge. We're sure that you'll continue to enjoy all the great services that Sky offer - if you need any further help, please visit sky.com/help. The Sky Team EMAIL 2 – 25/11/14 Dear xxx Account Number : xxx I'm writing to confirm that you have agreed to take up our fantastic Sky Fibre Unlimited. We also wanted to remind you that as part of this, you've agreed to re-subscribe for a new minimum term to the products listed in the table below: Subscription Contract Start Date Contract Length Sky Broadband 25/11/2014 18 Months If you cancel or stop paying for your subscription(s) before the end of the minimum term (other than where you have a right to do so under your contract), we may charge you early termination charges. These will be based on the amount of subscription payments due for the remainder of your minimum term less any costs we save, including the cost of no longer providing you with the service. We will give you reasonable notice in writing before making any charge. We're sure that you'll continue to enjoy all the great services that Sky offer - if you need any further help, please visit sky.com/help. The Sky Team
  9. Hi there, I have a Lloyds TSB Credit Card debt. Until 3 months ago, they were happy to recieve payments via my DMP Payplan. Despite that, they havent actually written to me for 2 years. No sign of being passed to a DCA. Now my PayPlan account is closed as I have decided to deal with all my creditors myself. Not sure if I should just wait to hear from them or take some other course of action? The outstanding balance is confusing because of PayPlans shoddiness, and my over-reliance on them. For example, I have another bank a/c debt with Lloyds. Payplan said the outstanding was £179. Since stopping with PayPlan, the debt has been passed to Wescot, who say the debt is £451. (This is on a separate thread). So back to the Credit Card debt - I am unsure of the amount outstanding, and wouldnt CCA request them because - as far as I know - Lloyds themselves are still dealing with it. Thanks again in advance
  10. Hi my girlfriend was recently mis sold a vehicle by a main dealer we asked if it had ever been in an accident which we was told no, we recently found out that it was reversed into by a lorry causing extensive damage to the rear of the vehicle. They have then told us the repair was carried out by them but will not provide any proof of this, what action should we take and what sort of outcome should we be looking to achieve. Obviously she does not feel very confident driving the vehicle now. The garage don't seem interested with any of our concerns and keep trying to avoid being of anyhelp. Can someone please help me on this as i really dont know where we stand or what to do Thanks richard
  11. We have a Paragon secured loan and were told we couldnt have it without PPI. I wrote to them about it and was told I would have to contact my PPI company direct. This was news to me because I thought all my dealings were done direct with Paragon and I certainly did not employ my own company. I have no idea what to do now. Can anyone help please. It was a very large loan and the PPI adds up to about ten grand not to mention any interest on it as it was all front loaded. I dread the interest rates going up. Help !
  12. Hi there, On July 31st a Vodafone Sales Representative have promised me the following: - Upgrade to 4g - Unlimited data for 3 months - 7 GB of data - Free upgrade in January instead of Apri - Vodafone Insurance - Free Spotify All of this just for 5 pounds more a month. Unfortunately I found out with my greatest surprise that the Insurance was not there. Now they don't have the recordings anymore because they only keep for 60 days, is there anything I can do? Thanks, Marcello
  13. Can anyone please help me. I have been advised to make a written complaint to the bank who gave me a considerable amount of money as a personal loan in 2006. I don't have a clue where to start. Thank you
  14. Have been an avid reader of CAG for some years and am interested to know your thoughts on mis-selling of consolidation loans. We are well aware of the PPI scandal. But of even greater harm is the banks mis-selling of conslidation loans. My wife was sold one 'under best advice', when she clearly had insufficient income to manage it. Lloyds have admitted this. They also stated in their 'agreement that they would be responsible for clearing any lloyds group debts from the consolidation loan. (Credit card/overdraft). They neglected to do this. My wife, being one of those people who trust authority figures totally, f elt she had done something wrong when she couldn't make the repayments and used the money left in her account to cover the loan/credit card and overdraft payments. (itwasn't long before she had used up the monies left in her account, extended her credit card spending and overdraft to cover the mounting debt payments. She has already suffered a stroke through worry and stress caused by lloyds and is now considering bancruptcy. Something has to be done about this practice. The banks give people who cannot afford the repayments a consolidation loan, knowing full well that it is not 'best advice' and that it is adding to that persons poblems. I have been through the oft sharade, they found in favour of the bank and said they could not comment on legal matters. The bank have agreed to repay interest charged, but it is not enough! I do not see why they should get away with a clear mis-selling and subsequent breaches to BCOBS. My questions are; 1) How many more customers have been mis-sold conslidation loans. 2) Does it not breach BCOBS 3) Is it common practice to break loan agreements by not clearing other debts and leaving the monies for this purpose in a current account wher they know it will get used. Then neglecting to cancel credit cards/overdrafts that made up part of the consildation package. 4) If all goes wrong and as in my wifes case- she panicked and used the monies to cover debt payment shorfalls, and the debt spirals upwards. Is it common practice for the banks to turn round and say, well you spent it, you have to pay it back! Any comments would be greatly appreciated. I know you guys are overworked.
  15. Hi there, I am looking for some advice as in November 2013, we went into the Vodafone store, as I had two phone contracts (mine and hubby's) and one iPad contract under one account which were due for renewal. At the time we felt pressured into getting a 4G contract with the promise that 4G was being rolled out to our area very soon. We have been into the local stores on a number of occasions since, asking when it is likely to be rolled out and each time are told that there is no set date yet but it is likely to be soon. After beginning to get fed up of waiting we decided to Google it and discovered that it is not planned soon and in-fact won’t be rolled out until 2015, by which time the current contract would have ended. Had we known that 4G wouldn’t be available until our next contract date, we would have waited and so I rang 191 to see if we could reduce the contract back to a 3G plan until our renewal date. I was put on hold while the operator spoke to “migrations” who said that it is only possible within 7 days of the contract start date and therefore it is too late. Apparently, you can upgrade your contract from 3G to 4G but not downgrade! I am not happy at all for having to pay for a service that we are not getting. Obviously, had I known within the 7 days that we would never get 4G coverage during our contract term I would have downgraded within this period but we were promised it was “coming soon”. Does anyone think I may get anywhere asking for the contract to be reduced and if I take it further would they consider backdating it since I was quite clearly mis-led? I know asking for it to be back dated may be a long shot but at the bare minimum, surely they could reduce the contract now as they are fully aware that it wouldn't be rolled out to our area yet - right?? I appreciate any help at all in this. Claire
  16. We took out our mortgage in Nov 2004 and we believe it was mis-sold. We fit more than one of the criteria in the recent Which report. Can anyone recommend a claims company as we are not confident about a DIY claim. Thanks.
  17. http://www.moneymarketing.co.uk/news-and-analysis/regulation/fca-hits-insurance-broker-with-30m-fine-over-misselling/2006613.article
  18. Hi I have a few areas where I need some advice. I was a FTB in 2006 when my sister & I bought our first flat. I am a hairdresser & my sister is a project manager. We still live in the same property. We bought our Legal & General insurance policies & our Northern Rock mortgage through a Financial Advisor who was working at Kinleigh Folkard & Hayward. It was face to face & not over the internet or telephone. There are a few points I'm concerned about & need a bit of advice of where we stand. I've just been having a look through all of our insurance policies & have noticed that we are doubled up on a few of the insurance policies. We both have separate policies for DECREASING TERM ASSURANCE WITH CRITICAL ILLNESS and MORTGAGE PAYMENT INSURANCE (2 each). I also have a policy for MORTGAGE PAYMENT PROTECTION INSURANCE because my sick pay is not as good as my sisters. From my understanding of talking to a few people is that we should have a joint policy which would be more cost effective? I have a deferred period of 52 weeks on my Mortgage Payment Insurance so I was told I needed the the Mortgage Payment Protection Insurance because the deferred period is 60 days ... But ... if i can't work because of any injury to my hands, tendons or muscles because of a work related cause or any mental issue arising from it they won't pay a claim. I have no recollection of this clause being explained to me as I'm sure I wouldn't have agreed to that. Also some of the details are wrong on my Mortgage Payment Insurance policy ... The type of work, hours worked & it says I haven't been in continuous work for the previous 36 months (which I had) and on the Mortgage Payment Protection Insurance policy the information is correct. I know this is my fault for not checking after I got all the paperwork. I'm going to phone L & G today to tell them so that it can be amended. We were also told not to request to have a look at our medical reports before they were sent to L & G as this would slow things down. Looking at the part of the policy that details how much the advice costs there is an initial lump sum but then after month 49 there is a £1.09, £.40, £0.99 & £0.43 amount that it will cost until the end of the policy? Is that why were sold 5 individual policies when joint one would have been better? He also organised our mortgage through Northern Rock. We had a little deposit (7%) which he advised us to keep to do some DIY & rather get a 114% mortgage on an interest only fixed rate for 5 years. £184 000 which was a mortgage & £30 000 of which was an unsecured loan. I would like to know if I have a leg to stand on as I feel we have been ill advised. Any advice would be greatly appreciated Thanks
  19. Hello there guys! My father had a credit card for many years and since divorcing was unable to make significant repayments to the credit card thus was simply paying the bare minimum required of him every month. One day he was in the bank and they said that he could be elligible for a bank loan to pay the entire credit balance and then pay the loan off with a set amount of interest. He was taken to a side room and his circumstances were discussed and he was given a loan of £1000 which would cover his credit card balance and give him the first few months payments without having to worry about them. he proceeded with the loan and agreed to the terms thinking that the loan was being taken out over three years. around two months later I am in the bank with my father and we go to customer services for something totally unrelated and the cashier flagged up to my dad that his £1000 loan repayments were infact spread over 7 YEARS!! She also told him that he would have to pay back a total of £2300 for his £1000 loan over the 7 years. We were told that the only way that the agreement could be changed was to either put in an official complaint (which the bank manager and cashier who was with us seemed quite adamant that we shouldn't) or to borrow MORE money and pay back that loan then pay back the £2300 over a shorter amount of time. My dad finds money a tight squeeze at the moment, as we all do however myself and my siblings told him that we would contribute towards the repayments so he didn't have this credit debt hanging over him so he knew that he would be able to make the repayments of around £60 a month if he had taken the loan out over 3 years, which he wanted. However I think the person who did the loan for him looked at his current circumstance only and pretty much ignored what he said and gave him the loan quite misleadingly and over 7 years at the minimum payment per month for which he was previously paying on his credit card repayments. I hope this kind of makes sense. But I feel that he would seriously mis-sold this loan, or the details were not properly explained to him and I think it is quite ridiculous that the only way to change the terms of the loan is to put in an official complaint against the person who took out the loan for him or to take out the entire amount in a separate loan to pay it back early (which makes NO sense). I want some clarity really on where my father stands and what we can do to try and get this ridiculous situation sorted out. Many thanks, Joe
  20. Hi I bought a cooker off a seller on gumtree yesterday. I met the seller halfway from his starting point and my home at another buyers address to pick up the cooker. When I arrived they bundled the cooker into my van, it was wrapped in plastic wrap, I had a quick look and handed over the money. I was in the van having a look and never noticed them leaving as my partner was on the phone at the time. I noticed through the plastic wrap that the enamel was damaged but this wasn't a problem as I was willing to fix it. But I then realised that the cooker wasn't a double oven as the seller had described in his ad. His ad stated that it was a double oven which is what I wanted. I phoned him straight away and he told me he was 20 miles away but to text him my address and he would pick it up at 6.30pm. But he never showed. I text him and he said he didn't see the problem so I explained about the double oven to which he replied a double oven in stand alone cookers means a seperate grill and oven. I explained about a double oven being a top oven integrated in the grill and a main oven. And now he isn't answering any texts. I can't afford to just throw away £95 and I have even offered to return the cooker to him so he wasn't wasting more money on fuel. Is there anything I can do? Thanks Sharon
  21. I have recently taken a complaint to FOS, regarding us being mis sold our mortgage by Halifax. We approached several mortgage companies in 2007 for a mortgage and were refused by everyone except for Halifax. At the time my husband was working and i was and still am on benefits as i am disabled. They offered us a mortgage at fixed rate. In 2009 my husbands health deteriorated and he had to take early retirement which meant that we began to struggle making repayments to the mortgage. Halifax were very unhelpful in assisting us with how to sort our problems out. Everything we suggested such as adding our daughter on the mortgage they refused. It has since come to light that they had made assumptions when it came to my husbands pension and had foolishly calculated his yearly pension as his monthly incoming???? we took the complaint to the FOS and they have come back to us and we have in writing that halifax have ADMITTED mis-selling our mortgage yet our only options are to pay the arrears or sell our home??? Surely if they have admitted liability then they are responsible to give us some compensation? all we want is to remain in our home with payments we can afford and not the £900 a month they are asking for. can anyone help or advise?
  22. Purchased a mechanical reclining 3 seater sofa last year from Cousin's Furniture Store on interest free credit. Repayments have been accurately made on time and in accordance with my agreement. They also sold me an insurance plan to cover staining, mechanical failure of the motor etc, together with structural faults including excessive loss of resilience of seat cushion foam, broken buttons, broken zip operations and peeling of covering leather or broken stitching.It also covers for accidental damage. Now, unbeknown to me the sofa seats, foot extentions and arm rests are filled with foam. However, the back of the seats are fibre filled and are not therefore covered by this policy. We were not given an explanation of it's fillings neither was the policy explained to me about the different fillings. We were not given the opportunity to have a choice of fillings either! Now, you know what's coming - the sofa has seated dreadfully and wasn't even 16 months old when I reported this problem. The rear of the seats have seated so much so that we can feel the wooden frame in our lower back and as my husband has Osteoporosis this is extremely painful for him to have in the reclining position. To my understanding, this is NOT FIT FOR PURPOSE! I contacted Cousins who said as it is over 12 months it is nothing to do with them. I then contacted the insurance and they have eventually sent out a technician who has replaced the foam in the seat and foot extended panel of the sofa but he couldn't do anything involving the back part and so went away. I have since received a letter from the isurance company stating that fibre filled furniture is not covered and there is nothing more they can do. I will be sending the finance company a letter advising that they are jointly liable for this problem, I will continue to make repayments but will advise them they are made under protest because I am paying for a sofa which is not fit for purpose but I would like your advice as to what else I might be able to do in this matter please? The policy is still valid for another 4 years and don't think I can say it has been mis-sold. I think my problem is with the suppliers because they failed to inform me of the fillings or offer me an alternative but hope someone can guide me how to approach this please. Thanks for looking in Shelley
  23. Hello everyone. (I am a newbie) I am trying to take up a complaint of the Mis-selling of a pension. I have all the details of the pension, date sold, policy no, value etc and also the company who sold me the pension. I am not sure if I am allowed to mention the companies by name, don't want to get into trouble with my first post On the 22.10.2013, I phoned the company who sold me the pension and they advised me to send an email, to which I did on the same day. I never received any confirmation of my email, and nobody contacted me. On the 29.10.2013, I phoned the company again and was informed he couldn't understand why nobody was dealing with the complaint and as advised to send the email again with "for the attention of Mr.(the chap I was speaking to), to which I did on the same day, again I never received any confirmation of my email, and nobody contacted me. On the 07.11.2013, I phoned the company yet again and talked to a different employee and she couldn't find the emails I had sent, even though the first employee I had spoken to, had seen the first email I had sent, she advised me to send the email yet again, this time I made the email high priority and asked for a return receipt, I sent the email on the same day, again I never received any confirmation of my email, and nobody contacted me. I have to be honest and say they were very patient and helpful on the phone, and I am very surprised that nobody contacted me. I don't hold up much hope of getting a good result with the mis-sold pension anyway as we are going back to 1990, but I would at least like to get information from the company and then I could consider whether I would pursue this matter. What advice would you give, should I phone them yet again or should I send a registered letter, or something else. Thank You Wayne
  24. Really appreciate your suggestions on how we can take it forward, many thanks. We signed a 24 months contract with EE as a small business customer (we are also running a charity) a month ago. As we do international calls and travel a lot, we were suggested to get on the 24 months roaming contract. My colleague and I both spoke to the sales guy. We asked questions about making international calls and making calls while travelling (US, China, South Africa etc), we were promised the roaming contract's unlimited minutes covers it all (it actually covers more than 30 countries I believe). Then I asked him to confirm that there won't be extra cost to the minutes we use unless we call other countries not specified in their list, he confirmed that too. (he then sent me an email to confirm the terms), please see part of the email quoted below: "As promised I have detailed below the offer we discussed 24 month contracts 4 lines Unlimited UK calls to mobiles and landlines Unlimited UK texts 4GB UK internet allowance per user • the Unlimited minutes and texts can be used in the following countries: Austria,Belgium,Bulgaria,Croatia,Cyprus,Czech Republic,Denmark,Estonia,Finland,France,Germany,Gibraltar,Greece,Guadaloupe,Guernsey,Hungary,Iceland,Isle of Man,Italy,Jersey,Latvia,Lithuania,Luxembourg,Malta,Netherlands,Norway,Poland,Portugal,Romania,Slovakia,Slovenia,Spain,Sweden,Switzerland,Reunion Isles,French Guiana,Monaco,Liechtenstein,San Marino,Azores,Canary Isles,Madeira,Martinique,Vatican Armenia,Australia,China,Hong Kong,Israel,Macau,Macedonia,Martinique,Turkey and USA" We started using the new phones, making international calls as we intended to. A few days ago, we got a £1,600 bill, I thought it should be around £160. I immediately called EE, the lady who answered the phone treated me like an idiot. She told me word by word very slowly many times that we could only use the unlimited minutes and texts when we are travelling outside the UK. If you make international phone calls, that's chargeable. She couldn't do anything else to help me... We felt that we were mis-sold the contract, we were given misleading information and EE should correct that and honour the contract. Grateful for your suggestions. Best regards, Michael
  25. I need your advice. I believe that my husband was miss sold products by Barclays bank. We have lived overseas for the past 6 years. In that time he could not be considered a UK resident. He opened an account with them whilst overseas, and he used his sisters address as his own address. He did this as the last time he was over in Northern Ireland. While he was there he opened bank acc with Barclays using this address. This was in June 2008. He was then advised to open up a More4more acc. over the telephone. This was opened in April 2009 from Thailand. After reading their small print, it clearly states that you have to be a UK resident to utilize this acc. for tax purposes. Have they been in breach of any regulations? After a short period of time he open a Barclays Market Master acc. That is a share dealing account which again states that you must be a Resident. This is some of Barclays terms and conditions :- * Information on this site does not constitute an offer or solicitation to conduct investment business in any jurisdiction other than the UK. * This Site is not directed to, nor intended for distribution or use by, any person or entity in any jurisdiction or country where the publication or availability of this Site or such distribution or use would be contrary to local law or regulation. * Our internet site is designed for use in the United Kingdom only. * Certain countries have local securities laws that may prohibit you from using our Service. We are unable to offer our Service in these countries. * Our website is intended for use by UK residents only. You must not open any accounts using our website if you are outside the UK. * It is your responsibility to inform yourself about and observe any applicable laws relating to investments. * For guidance on rules governing your use, please contact a legal adviser. In particular, but without limitation, this Site is not directed to, or intended for use by, residents of the United States, Japan, China, Malaysia, Taiwan or India. It must be noted that my husband also set up a Market Master account online whilst living in Thailand. It was all completed over the internet. We know that Barclays monitors their customers locations and they would have been able to see from our IP address that he was most definitely not in the UK. And he could not be considered a resident of the UK since 2006, as he has only been back fro three months in that period Here is some more of Barclays Legal Info :- * If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information * We and other organisations may also access and use this information to prevent and detect fraud, crime and money laundering, for example, when Checking details on applications for credit and credit related or other facilities Managing credit and credit related accounts or facilities Recovering debt Checking details on proposals and claims for all types of insurance Checking details of job applicants and employees * Please contact us on the Barclays Group Information Line on 0800 400 100, if you want to receive details of the relevant fraud prevention agencies. * The information recorded by fraud prevention agencies may be accessed and used by organisations in the UK and in other countries. My husband was only able to open up the very basic accounts over there as his credit rating was very poor due to unpaid/disputed mobile telephone bills. Had they have done any of their checks my husband would not have been allowed to access any of these accounts. These are my reasons:- He is has not been a UK resident since August 2006 When He opened both his More4more account and Market master Acc he was in Thailand This can be seen from his IP address. When he opened these accounts he never signed any paper work to validate either accounts. It was all completed over the telephone. My husband was also persuaded into opening up a spread betting Account which completely contravenes Thailands laws on gambling. Gambling of any shape or form is illegal in the kingdom. The More4more acc states that only people living in the UK can obtain this account, and this again was opened up over the phone with the staff well aware of our living situation. In this period my husband lost our entire life savings. He has tried to commit suicide twice as he can not come to terms with what he has done. Our family life has been shattered. He became an alcoholic and extremely depressed. He had to be committed to a Temple for his own well being as he was going insane and a danger to himself. He has destroyed all our hopes and dreams for our children with his foolish actions. I just wish that he’d talked to me first. I am finding it extremely hard, as I have a three year old daughter and a 1 year old son to raise. We try our best, but it falls way short of the mark most times. Please help us. Is there any way that he could possibly retrieve any of his monies? Any help or response would be greatly appreciated. Thank you for taking the time out of your Day to read my mail. I eagerly await your response.
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