Hi Everyone, I am hoping someone can give me some advice on whether or not I should make a complaint about Mis sold PPI on two credit cards and a loan I had with Halifax when I worked for them. I started working for Halifax in 2002 and with a couple of months of starting I was offered a credit card and a loan as other staff members needed to hit their sales targets. I applied for both by basically sitting beside a colleague in the office who did the application and told me it was successful. He never once mentioned PPi and I was not aware of it as I worked in savings and investments. I would also like to stress the card or the loan was not on any special staff rate. anyhow my girlfriend has being pestering me recently to call Halifax to check if I had PPI. I was very reluctant as I was 100% sure I didn’t have PPI. Anyhow I called them and was shocked to learn that I in fact did have PPI. I left Halifax a year after starting and continued paying the credit card and loan for 5 years after that. I was off ill from work for 8 months during this time due to an undiagnosed illness. I was investigated for Chrones but it came back negative and thankfully I starated to recover from the mystery Illness. My point is if I had of known I had PPI I would made a claim. I just dont know if my case is strong enough as I have no paper evidence. any advice would be greatly appreciated

Hi all, I bought an ipad in 2012 which was "4G" ready. My Ipad has never worked outside the home and I've barely used it since. I have now learned that these were missold by Apple and they have asked me to contact the seller) to claim under Consumer Rights laws. When I bought the ipad, I also bought a cover. I used vouchers and credit card. The credit card amount is one pound under the cost of the case - I also bought the extended warranty in a separate transaction, on the credit card. The seller have told me they will provide a pro ratered refund. Do I have a section 75 claim with the credit card provider, on the basis that the ipad was on the same receipt as the case? Without the case, the ipad cost would have been covered by the vouchers, however I would have bought the case with vouchers anyway, leaving the same amount to have been paid on the credit card if I had bought the ipad seperately.

Hello there, I would love some help as I believe I have been mis sold membership to David Lloyd gyms. When I signed up I said I wanted a good deal and did not believe in signing up fees. The lady who signed me up said there was no signing up fee but with their membership there is a refundable deposit of £375 for my reserved place in their club which has a limit on members. That was all fine a lot of money but it is a nice club. However I have just cancelled membership two years later after always paying on time and I have been told my 'deposit' is a 'non refundable joining fee'. There is no way I would ever give as gym £375 just for the paperwork and I made this clear. I feel very cheated and powerless to get the deposit back but I want to challenge this properly. Please can anyone advise what the best course of action will be? Thanks, David

Hi All, I was unlucky to have experienced car accident back in February (other driver liable) where my Audi A1 was written off and I'm going through physio for my whiplash. In March I decided to purchase a used Audi A1 and found one on Autotrader via a private seller. I still have the description of the vehicle which stated what the car came with and also that the car was in 'EXCELLENT CONDITION'. My Dad went to check the vehicle, asked standard questions and took it on a test drive - all seemed fine and we made the transaction via a bank transfer. I received a bill of receipt signed by both parties with date, reg etc. Within 24 hours of receiving the car, The EPC and engine management lights came up on the dashboard and judging by the noise the car was making it was clear it was misfiring. The car was booked into the Audi garage and they advised one of the cylinders was misfiring and it would cost £130 to fix then it should be fine. Within days the problem came back and again I took the car back into Audi. They called to say it would cost £1600 for work to be done to ascertain exactly what was going on (I'm no car expert but it involved removing the engine). Anyway, at that stage I started to research online to find out what my legal rights were in terms of getting either a full refund from the seller OR have them take responsibility for the repairs. Under the consumer rights act 2015 I have no rights as the legislation applies only to traders AND we should have checked the car was fit for purpose. I then found a piece of legislation called the Misrepresentation Act 1967 which states: A misrepresentation is a statement of fact (not opinion) which is made by a seller (individual or trader) before a contract is made. If you relied on that statement when deciding whether or not to go ahead with your purchase, and this then turns out to be wrong, you may be able to claim compensation. There are three types of misrepresentation and your path to redress will depend upon whether the false statement was made fraudulently, negligently, or innocently. I don't know which type of misrepresentation but I thought fraud as the seller stated the car was fine when she knew it wasn't. The general remedy for misrepresentation is cancelling or unwinding the contract so that both parties are put back in the position they were in before they made the contract. Damages will also be available in some circumstances, either in addition to or as an alternative to unwinding the contract. The challenge we have is that for misrepresentation in the advert (in my opinion) is that the seller stated the car was in 'excellent condition' (an opinion not a statement) when we now know that the seller knew MONTHS BEFORE she sold us the car that it was misfiring/lights coming on 'sporadically'. As she knew, I'd argue that she misrepresented the vehicle in the advert. I have evidence from Audi stating the issues (in the cars computer system) were apparent from January and have been sporadic ever since. Thus far we have emailed the seller with the original quote and diagnostic from Audi requesting she cover the costs of repair but no reply so far. I'm guessing we can take this to small claims but of course if I can use the Misrepresentation Act I'd try that first (writing to the seller including all the evidence I have) in the hope she'll cough up the money to rescind the contract (as the law states) or have her cover the costs of repair. I am incredibly saddened that a woman who knew I was in a serious car accident and undergoing physio would blatantly omit information when she must have known (dashboard warning lights and noise of engine). Please can anyone advise or share their experiences? Many thanks in advance

Ford Finance tell me that they have no record of PPI payments because the account was paid off more than 6 years ago. However a CMC tell me that for an upfront fee of £70 per claim they can get access to this information without any paperwork or account numbers. They call this fee a deposit which will be refunded on completion and suggest payment by credit card. They then charge 25% of any subsequent compensation. Any advice would be appreciated

If my mortgage was missold. I understand that the capital loaned to me has to be repaid, as mortgage no longer exists. My question is, if this happens, would all the payments I have made over the last few years go towards this?

Whilst helping out with the paperwork after my Brother-in-law's recent death we have come across a so-called Accidental Death Insurance policy taken out through Barclays Bank, we know he made 141 payments @ £8.50 per month. We've been in touch with Stonebridge asking for details of the policy and we're still waiting for the info to arrive but have reservations as to their selling techniques. We know he went to buy a policy that would specifically cover his funeral plan, he had already been long-term diagnosed with COPD (Chronic Obstructive Pulmonary Disorder) with Emphasyma had fully explained this when buying the policy in Barclays Bank, his daughter was also present during this process. Does anyone please have any advice as to how we should proceed with this, if at all, or wether we have a case for misselling?

Hello, I am brand new to this forum so please excuse my lack of knowledge. My mother is a pensioner who was missold PPI from Littlewoods on a credit card years ago. (Barclaycard?) She has no documentation for this currently. What I'd love to find out is 1) How do I make a claim/Who do I need to contact or address a letter to? 2) What proof/documentation would I need to do so? 3) Is the process very complicated, would I be better going through a company to do it for me or is the percentage they usually take too much? Sorry if I sound completely clueless, as indeed I am I'm afraid! Thank you so much in advance for any help.

My partner recently purchased a car at auction which was advertised in the catalogue as having full service history. After picking up the car the auction told him they are still waiting for the previous owner to drop off the service history. I was shocked that the auction sold the car as having full service history without having any proof from the owner and just going on his word. The auction have been in contact with the previous owner who has said he'll drop it off but failed too, and now wont return any calls from the auction. The auction claim they haven't paid the previous owner for the car yet (which i think is a lie, as anyone who is owed money wouldn't be ignoring their calls) a nd keep fobbing my partner off with lies and false statements. Since then my partner has paid substantial money improving the car to sell on and had some interest but will only be able to sell it for the price he thought it was worth with full service history and devalues considerably without full service history. He now wants to return the car to the auction and get a full refund for the car and compensation on top for improvements he has made and also time taken off work so loss of earnings in attempt to sort this out. What rights does he have as I've read purchasing from auction differ from traders in terms of rights?

I have been told by every single company/bank i had protection with that due to being self employed it would never have benefitted me .I have all the offer letters sat here 7 of them Heres the rub and I suppose I'm seeing it only from my POV but I was sold this on advice , I mentioned I was starting a buisness and told that it would cover me if the company ran into trouble ,peace of mind etc , when it did run into trouble and I tried to claim this led to me being in the finacial mess , I lost my house ,Car the lot because none of these policies were valid, no money no payment no roof essentially was the chain of events despite being told i was protected So the culmination of events cost was far more than the paltry 1000 quid here or there I'm being offered, could I now claim damages after all the insurance would not have covered me and i had done all i could to protect myself leading up to this? The wording on the letters states I accept this as full and final redress for the PPI and in signing i can take no further action (Natwest in particular)in relation to this, surely this cannot be correct they have admitted they were wrong and now owe me the money i shouldn't have paid in the first place? In reality (or maybe im daydreaming here) the redress would be to put me back in the financial position I was in , where if i had been financially covered i would still be living in a house and had time to find a new position without being placed in such an untenable position it was literally hell on earth trying to get out of. the irony of it was the letter i received stating after 1 months missed payments that my insurance was now null and void . ..you couldn't make it up plus there was literally hundreds in charges both bank and credit card for missed and late payments eventually I just dissapeared I had no address for them to send threatening letters or abode it took years to get back on my feet before the letters started appearing, too late BARRED BY STATUTE WAS THE REPLY Any ideas or advice would be greatfully received or am i just after an unlikely revenge, should i just let sleeping dogs lie

Hi,I wonder if anyone could advise me please? On Thursday, I purchased a MacBook Pro from PC World. I inspected the display models, and saw one I liked. It was £100 more for the retina display model, and didn't really feel it was worth paying the extra, so paid £899 for the non retina display model. When I took it home, I couldn't quite put my finger on it, but for some reason, I didn't like it as much. I passed by another PC world branch on Saturday, and decided to pop in. The retina model, is considerably thinner than my version, and also, my version is a 2012, the retina is 2014, now I feel that I purchased the machine. based on the display model. I asked in that store if I could exchange it, and pay the extra, but was told NO as I'd used it. Do you think I have grounds for exchange, as I feel, the display model was not indicitive of what I was actually buying? Many thanks in advance. PLK

Hi, Just looking for a little help/advice. I have just returned from a 2 week All Inclusive holiday with Thomas Cook. My complaint with them is that they miss sold us the holiday. The jist of the complaint is that we booked 2 separate rooms as a party of 6. We booked a Junior Suite for 2 adults and a Suite for 3 adults and a child at the hotel. We were told/the description online/pictures all claim that the junior suite is "Junior Suites (3 adults or 2 adults and 1 child, plus cot) have twin beds, integrated living room, air conditioning, flat-screen satellite TV, safety deposit box (payable locally), Wi-Fi, mini-fridge, coffee-maker, kettle, toaster, microwave, hairdryer, bathroom with shower, and balcony or terrace with land view." This room was fine and was infact upgraded to a Suite on arrival. The second room we booked was a Suite whice online in travel agent etc was described as "suites (2 adults and 2 children or 3 adults and 1 child, plus cot) are as Junior Suites but larger with a separate bedroom with land or sea view. Land View Family Suites, as Suites with bottle warmer, puree blender, baby monitors, high chair, baby bath" The description on the hotel website for a Suite says "as Junior Suite, and additional with seperate bedroom" Due to this we expected and were told a suite would have the twin beds etc in the main toom and a separate bedroom this wasnt the case. The only beds are in the separate bedroom so an adult had to sleep on a couch and a child on a pull out floor level drawer from under the couch!! We complained onsite to our rep who agreed and offered us £160 compensation and a free excurstion this was turned down by ourselves. Our complaint will be that and adult and a 14 year old had to sleep on a couch and a pull out bed instead of the twin beds as advertised, ther was then no seating area for 4 people. No area to get dressed, store clothes for the people not in the bedroom etc. I just want other peoples opinions to see if this would be classed as being mis sold before I take it further with Thomas Cook. To make it worse after complaining to the rep on 27th June (2nd day of hols as she wasnt there 1st day) the TC website & hotel website still havent been edited!!! thanks in advance. Lisa (PICTURE OF JUNIOR SUITE ATTACHED IF I HAVE DONE IT PROPERLY!) "

Hi All i have had a court summons for a credit card from 2005. i was miss sold ppi from the outset can i use ppi miss selling as a deffence i think the debt was sold on to Marlin as it was ann egg card i have had a copy of CCA and had all statements thanks in advance for any advice D

Hi All, Please help, this is killing us...the stress is causing us so many problems...we can't eat and its ruined the family. We took out a Endowment policy in the 90's via a broker. The Endowment policy is Prudential, and we were told the Endowment policy will pay off the total mortgage and pay me a lump sum at the end of maturity. We found out today there is a shortfall of £35k!!! We complained to the FSA/FOS, who stated because the broker is no longer trading we cannot claim compensation. They cannot make the claim against anyone we have been told. We spoke to Money Advise Service who stated, its our word against theres therefore we cannot do anything. Im stuck, I can't eat, sleep and is seriously impacting my life! Can anyone help with this, please? Thanks All. Jane

Hi, I recently signed up to a contract with O2. I started at carphone warehouse and was offered a 4g package with a free phone for the princely sum of £37 pm. Since the provider I was looking at joining was over the road I decided to go directly to O2 to see if I could get a better deal, You'd think you would be able to! Right. When I went over there I was told for the same network, tariff, data and same phone free the cost would be approx. £42 pm. At this point I obviously pointed out that I could get a better deal from a third party store. At this point the sales rep offered me a 30% discount on the airtime which would bring the contract in line with the offer from carephone warehouse, the only catch would be that I would have to pay the initial £42 for the first month and then a reduced rate of £36 and something. which would make the cost exactly the same. I would usually have said if you cant match that cost I will take the other offer but because of the time spent in the shop, the fact it was late in the evening, and they had the colour phone I wanted I decided to go ahead with the deal. The sales rep even wrote on the top of the contract that we would receive a 30% discount and signed it. We made the first payment as arrange then we changed the direct debit date to match up with our pay day. The adjusted amount seemed high but I believed it was because we had changed the direct debit date and without doing the calculation I would not have known at this stage that the price remained the same. This month the bill is still £42 pm. I contacted O2 directly over webchat but quickly realised that they would not be able to see the contract and thought it would be better to contact the store directly and speak to the staff member who sold me the contract, after all he said if we didn't get the discount he would put me on his family and friends personally which was a bigger discount. This has left me wondering why he might say this! I called them and he was not available but the person on the phone said he would get the manager to contact me the next day, that was Friday and I have heard nothing since. As a side note since signing up with O2 I was not informed in store of the price rise (RPI) that was due the next month and we were sent a notification of this on the 8th day of the contract after the cooling off period. I was given the impression I was getting O2 tracks free for a year but not told this expired in December two months prior to the contract start date and was subsequently charged for this service despite the fact I never actually used it. And I keep getting text messages saying I missed a call from so and so when I have had the phone on and next to me, not sure if the signal is a problem but it is very annoying I am not recieving all my calls when I should be, the network map shows this an excellent signal area and it is also happening in other area's. We left EE because of the signal issues we were having and now I feel I jumped from the frying pan into the fire and no longer feel I can trust this company like the trust we had with EE(T-Mobile) who we had been with for over 15 years. I no longer want a contract with O2 because I have contacted them 4 times in the last 2 months with complaints, I am far from impressed and feel mislead and undervalued as a customer. What can I do??

Hello All, Looking for some advice about a new Ford Fiesta we purchased from a ford main dealer. When I started my initial negotiations with the salesman, he told me the car we wanted available, and that the car came with factory fitted privacy glass and upgraded alloy wheels. After collecting the car I noticed that one of the rear trim panels was loose above the window. Whilst attempting to reattach the panel I noticed that the panel was in fact damaged. On closer inspection I also noticed that the glass was not totally black like our Focus, but had a plastic film placed over all the windows which was badly fitted. I spoke to the salesman to complain that he had not supplied a vehicle with factory fitted privacy glass as agreed, and that in the process of having the film fitted the car had been damaged. Disinterested is a mild way to put it, they said they could probably look into replacing the trim and that was it. We then found out from the salesman that they had charged us for the film tints and added it onto the finance agreement! I then asked to speak to the sales manager but he never returned calls so I had to get ford involved before he bothered to call back. He said he was not aware of the issue, said why are we complaining as the films we're a cheap option and they often do it and that he think it was very unfair to ask for our money back!! The real privacy glass is a 200 pound optional extra, I have asked for this back plus the cost of the films with interest. Am I being unfair as Seems to have fallen on totally deaf ears with the dealer. Where can I go with this? Cheers

I have made numerous formal complaints already with no success, I have also complained to abta with no success. Is court action the next step and if so how much can I claim from them. I will try to keep this to the point. Booked a holiday to Tunisia all inclusive, me my partner and 12 month old daughter. We booked the destination based on the short flight 2h35m and a transfer of 20 mins. This was incredibly important as my daughter was an awkward age, very difficult to keep her occupied and she had recently stopped breast feeding so food stops very important. The flight turned out to be 3h35m and the transfer 45m. I know delays can always happen but there were absolutely no delays, the pilot actually announced we were 10 mins early. Thomson simply advertised the time wrong and still do! There was more mis advertisement ie: photos of a lush indoor pool which turned out to be a pay as you go spa pool, the actual indoor pool was tatty run down and small. Again another main point of booking as we have the 12 month old. We had numerous service issues but I know these are a bit subjective. We had problems like only 3 (broken) high chairs for the entire hotel. The cot that was provided on arrival was very dirty and had about 5 of the upright bars missing, I had this swapped with an hour of arrival. It was swapped for a brand new one. My daughter slept well for the first two nights, on the third she slipped though the bars legs first and ended up hanging by her her head/neck. Luckyly I heard her crys and woke to save her, the rep the next morning actually laughed and asked if I had photos of her allegedly slipping through the bars!!! No other cots were available so you can imagine how we slept from there on. I'd had enough so I paid for a hotel swap, the rep passed me a brochure and said pick one. After explaining I had chosen this hotel and failed so I asked that she used her experience in the area to choose a hotel for us that provided a/c, facility's for my daughter and food that would suit my daughter. We then moved to a new hotel on day 4 of 7, it didn't have a/c even though the brochure and rep said it did! It was very hot at night! Apologies for the way this post is bashed out, I am on my phone and have lost all my text once already. If I think of anymore major points I will add them below. James.

Hi guys,heres my story,hope you can give me some good advice. Approx 20 odd years ago I was self employed with an expanding familly and took out a loan secured against my house with a firm called J & J Securities to build an extension to my property. A few months later because of the recession my business collapsed leaving me with little income. My main mortgage provider was very helpfull but J & J took me to court suing for repossession. The courts found in their favour and my house was repossessed. I was later contacted by a firm called Knowle Portfolio who claimed there was still a debt outstanding and demanded repayment. I was advised by Citizens advice at that time to make token repayments to them which they agreed to. I have stuck to these repayments despite the severe hardship it caused me initially. I have now been contacted by a firm called Asset Recovery uk demanding an increase of repayments or they would take me to court to get a charge against my present property and also they would reinstate interest charges from the date of the debts start. They also want to a financial summary of my present situation and say that if I do not provide them with the necessary information they would have to send someone to my present home to discuss my financial situation. Sorry my story is so long but Ireally would appreciate any advice

How far back can I claim for mis-sold PPI`s please? I have one which was mis-sold to me in 2001 by the Halifax and one from 2002 by HSBC? Am I still able to claim please? Thank you.

just discovered my father has been paying over £550 p.a. on home and contents insurance and it has been auto renewing for at least 15 years. the value is also under accepted rebuild costs so had a policy claim been made i understand it could have been declined. the main reason for the amount (apart from my father intransience with regards to challenging it - he is 75) is i believe because when he worked he was self employed so he likely paid extra for using the house as his business premesis. However on the basis of his age (his is natwest bank , credit card and insurance customer so they know his age) i consider by automatically renewing the policy they have missold the insurance? for the record on moneysupermarket i found over FORTY companies offering BETTER cover than he currently gets for UNDER £250., less than half. i guess i can cancel the policy (it auto renewed last month) but they would want £50 cancellation fee. Dont know whether just to challenge them for the mis-selling and hope to get them to waive the admin fee or if we could get more for all the overpayments he has made. Advice please....thanks

My Bank, (HSBC) has been negligent and mis-sold me an overdraft on the basis of funds coming from an investment which turned out to be a con trick the bank had said the investment was sound and actively encouraged me to run up a large overdraft knowing I only had a very small income- they were so desperate to get all of the funds from the investment deposited in their bank they advised me badly and when it was found to be a con trick, they placed a charge on my property to cover the overdraft and are now trying to repossess my home! I have complained to the FOS but they were biased in favour of the bank, so I complained to the Independant Assessor who said I`d been treated badly by the FOS and things had been done wrong and awarded a small amount of compensation- I believe things were done wrong as they were biased in favour of HSBC. Now the Bank is going for a repossession order for my property so I`ve been to see a solicitor today who`s told me I have a good case and may get legal aid but after ringing the legal aid line I was refused legal aid...probably because I`m not on any benefits! I can`t afford to take the bank to court myself as this whole fiasco has ruined me financially and seemingly I can`t get free help but surely there must be something I can do? Please help if you can as I feel so helpless and am at my wits end. I was at Court on 10th June for a Possession Hearing and put in a Defence and the Judge adjourned to enable me time to submit a fully pleaded defence and counter claim but I can`t afford a Solicitor to do this? The day before I was at Court in June, HSBC e-mailed me and offered to knock the amount they claim is owed down from £91500.00 to £59500.00 and no costs would be payable, provided I signed an agreement saying I wouldn`t take any further action against HSBC either now or in the future...I find this `offer` all very odd and feel I`m missing something that HSBC are worried about? Sorry for the length of this- can anyone advise me please as I`m due in Court again next week...thank you

I recently took out a new mobile phone contract I had a very long conversation with a salesperson explaining that the most important factor was ulimited internet as it was for my son, she told me about two plans i selected the latter and thought no more about it untill a few weeks later on checking my account I relised that there charges and discovered that the unlimited internet was in fact 250mb a month. So I contacted customer services to sort it all out and there my problems began I was sent round and round in circles was told they dont have a department that I can talk to and a team leader would contact me I am still waiting so i tried twitter and the nice customer services people there answer once a day with another question until a whole week and a bit has passed still no resloution or indeed a address where I can write to to complain have spent most of the morning on the phone only to be told that they are not allowed to give me the address only a team leader can do that and someone will call me back! and I can upgrade the contract is there anybody out there that can help with a address have tried calling emailing and twitter and still no joy from Tmobile.

Summary: If you have had a similar experience with Anglian Home Improvements please contact me directly. I am taking them to court and want to get as many witness statements as possible. Detail: Anglain canvassed our area offering free no obligation quotes 50% off. We got a quote for doing our house. We were conned into signing a purchase order which they now want us to pay. We were specifically told the following lies by their representative: We handed over £50 to “guarantee the price of the quote”. This was actually a deposit. We foolishly signed a purchase order. However, we did not know it was a purchase order, in fact were told it “was just a template for measuring the windows”. We were told “we could choose to go through with the purchase at any time for the next 12 months or not if we chose otherwise”. When the representative left our home we had no idea we had committed ourselves to any expenditure. This is of course in the small print of the purchase order (which we were told was not a purchase order). We are now way past the cooling off period and Anglian are demanding we pay the full value to get the windows installed, or 80% and get nothing. This way of getting business is clearly negligent misrepresentation, and I would argue fraudulent misrepresention. If you have been told similar lies by Anglian (even if you never went through with the purchase) I would love to hear from you to help build my case (or indeed strengthen yours if you are going through something similar). I would also be very interested in hearing any success stories from challenging similar contracts. Thanks in advance

I had a loan from Natwest for £2500 over 3yrs started in 1994. ( I have a Natwest account) My monthly payments were £87.54. my 1st payment broken down into £54.80 and £32.74 interest. (reducing with each payment). When I took out the loan I was sure the interest rate was in the region of 7.9% but having looked at my statements I calculate this rate to be 15.7%! I called the Natwest PPI helpline but of course they have no records. They said that if I had PPI it would have been stated on my Natwest statement. Have I been missold PPI or conned by the Interst rate? It was the rate and amount for "loan only" stated on the leaflet at the time that I was paying, and not the rate with protection. the leaflet stated 7.9%(ish) How do I find out the advertised rate at the time? I also then had a loan for £5000 from A&L for either 4yr or 5yr and the rate for this works out as 12.5% or 20%. The stated rate was also in the region of 7%.

Hi Helping my friend claiming missold ppi back,shes got account numbers its on credit cards and morgage. I Know first step is sar but shes got all info. What letters do i send. Kind regards amy29