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  1. Hello, Sorry for the long wordy post. I recently paid a £500 deposit and signed a new vehicle hire contract for a Mini with Chilli Pack from Halliwell Jones. 3 days later they contacted me via phone to say that Mini had increased the price of the Chilli Pack and it's now roughly £1000 more expensive (this wasn't advertised on the Mini website). The sales rep said that there was nothing that they could do apart from try to find another car that's already been built with the old chilli pack. They managed to find one that had everything I wanted but was more expensive because it had heated seats. After some hesitation I agreed to this car but called back about 20 mins later to say that i was unsure about what to do. I tried to negotiate a better deal but they wouldn't budge and made out that I had already had as much discount as I was going to get etc. and i said that i needed to think about it. By this time they had already bought this car from another dealership. I told them over the phone that i was going to try and get a better deal from another dealer because i wasn't happy with it at all and that evening that's what I did. When I then asked Halliwell Jones for my deposit back they have refused on the grounds that i agreed to order the second car however, according to their terms and conditions the original agreement was cancelled when they could not fulfil it and the second agreement is classed as a distance selling one and because of this I have the right to cancel within 14 days and don't have to give a reason. Am I in the right here? Any help you can give will be very much appreciated.
  2. Hi.I'm new here and I need help to getting out off train4tradeskills contract and get refund which I have paid please...
  3. HM Revenue and Customs (HMRC) is warning taxpayers to be on their guard against fraudulent phishing emails, after almost 75,000 fake emails were reported over the last six months. The emails promise you a tax refund, and often ask for your name, address, date of birth, bank and credit card details – including passwords and your mother’s maiden name. If you provide the information, money may be stolen from your bank account and your details sold on to other criminal gangs, which can lead to identity theft. If you are due for a tax refund, HMRC never contacts you by email – they always send a letter through the post. If you get an email which claims to be from HMRC, and which offers you a tax refund, you should send it to phishing@hmrc.gsi.gov.uk and then permanently delete it. http://www.adviceguide.org.uk/england/news/whats_new_oct14_tax_refund_email_[problem]s.htm
  4. Hello, My ex hubby and I took out a loan in 2003 with Citi financial, it was never paid off due to running into difficulties. It is now been paid through the courts. After reading the paperwork from Reston solicitors we noticed we had paid ppi on the loan of £2373.53. I want to claim it back if possible but I have to much going on in my life to do it myself so want someone to recommend a company who don't charge the earth to claim it back for me. Thanks in advance, Debbie
  5. Hi all, In need of some of your excellent advice please. Almost 2 years ago I purchased a cheap laptop from a Currys store through my business, at the time the salesperson asked if I wanted any sort of extended warranty - I always say no, they are a complete con of course. Fast forward to now, I have just noticed that he did in fact sign me up for this at £9.58 a month, without my permission. I rang the Currys 'Knowhow' helpline and requested a refund; the lady said she could only refund 6 months' worth of payments, which I declined as I want a full refund, for obvious reasons. The total is over £200! I wrote a letter instead per her advice, but they have declined any sort of refund as I "signed up to it" and included an invoice (unsigned) from the date of purchase, where it dubiously mentions: 18147 WM/PREM - 9.58 I should have checked it, but I didn't. Naive of me to take salespeople at face value I suppose, but whatever. I am somewhat embarrassed that I/my accountant didn't notice this before now - but I suppose my defence of being a business account with over 30+ transactions a day through it goes some way to explaining it. Should I take them to the Small Claims Court? Or some other method like using my van to block the store entrance? As you can imagine, I am livid, and more than willing to "invest" some money to getting it refunded, as it's a matter of principle.
  6. Hi all Not sure which sub category this should go in so here I am in the general retail area. I bought a replacement seal for my oven door. This was direct via the Hotpoint spare parts department, bought over the phone. I gave the oven model number to the operator who advised the correct part and took payment. On receipt of the item I've found that it is very similar to the original part (but not the same) but does not fit the oven. I've called Hotpoint four times to try and resolve the issue, they are excruciatingly difficult to deal with. They are refusing to refund because the 'correct' part has been sent, have accused me of being incapable of fitting the part (seriously, fitment couldn't be more straightforward!), and have three times told me that they must check with their technical team and call back but have not called back. I have tried to escalate the issue but their operators refuse to let me speak to a supervisor and there is no number for complaints. A refund isn't really what I want (but will settle for this). I can't use the oven without a seal. This oven is only three years old! I'm a bit stuck and would be grateful for any helpful advice. TIA VB
  7. Hi all, I forget when, but some time between 2005 and 2007 I took out a loan with AA Finance for £5000. I was married with 3 kids and earning well at the time, owned a nice house etc. In 2008, and in rapid succession, my father died of lung cancer, my wife petitioned for divorce, I lost my job (and remained unemployed for nearly 2 years), the divorce courts effectively stole my house from me, making me homeless, etc etc. In other words, the whole house of cards came tumbling down. I tried to keep up repayments but there was just too much happening, and not enough money coming in. Eventually I walked away from it all and resigned myself to waiting 6 years for it all to drop of my credit report. Yesterday, out of the blue, I received the following letter from Bank of Scotland Customer Services: "We are refunding some further charges to you Dear MR J We previously wrote to you to let you know about a charge of £50.00 which we applied to your AA PERSONAL FINANCE LTD borrowing account containing the numbers xxxx when we arranged a transfer of your debt from AA PERSONAL FINANCE LTD to J&J Collections. Our letter to you also enclosed a cheque for £50.00 to compensate you for any distress and inconvenience and we also advised that we would contact COMPELLO GROUP to check the status of the account and arrange to credit the fee amount to the account. Your payment is enclosed We have contacted COMPELLO GROUP who have informed us that the account is closed and we are now enclosing a further refund and a cheque for £75.60 is included below. This payment includes the fee amount plus an interest payment of 8% for the period when we applied the fee up to the end of this year. I’ve included a table on the back that shows you how we worked out your refund. This payment covers your refund of the fee plus interest, as we have already sent you a cheque for £50.00 to compensate for any distress and inconvenience the charging of these fees may have caused you. We’re aware that some customers may have incurred other costs when the fees were charged, for example where you may have borrowed funds to cover the payments, or incurred charges, so please get in touch if you were also affected in this way. How we worked out your refund Original charge Amount: £50 Interest at 8% from 01/08/2009 to 31/12/16: £32.00 20% tax deducted from interest: £6.40 Total refund payable: £75.60 Check if you need to pay tax Part of this refund includes 8% interest. HM Revenue & Customs (HMRC) treat this as taxable income. Requirements from HMRC mean the bank has deducted income tax at the basic rate (currently 20%) from this amount. If you are a non-taxpayer, or pay tax at a lower rate, it may be possible to reclaim all or some of the tax deducted from HMRC. If you pay tax at rates higher than the basic rate any additional tax due on this should be discussed with HMRC. Please refer to the advice section of the HMRC website for more information, or call HMTC Tax Helpline: 0300 200 3300. To contact us about this letter please call us on 0808 281 0224 or visit your Halifax or Bank of Scotland branch where a member of staff will be happy to help. Yours sincerely J Graham Director of Collections and Recoveries" Firstly, I have not received the initial distress and inconvenience cheque for £50.00, and my surname has changed. Apart from informing BoS of my name change and chasing up the first cheque, should I take any other action (restitutional interest claim?) or just take the money and run? Thanks in advance
  8. Hi, does anyone have the link to calculate payday loan refunds?
  9. Hi All A company called GhostArk last year put a device on the market for pre-order called a GhostArk. If you pre-ordered the device you got a discounted price and two models were available. Orders were taken around August last year and we were told the devices would ship in December. In December they told on a post on Facebook in a video comment the unit would no longer have a built in speaker and would come with an external speaker at no extra charge. This upset a lot of people as the device is no longer an all in one as you have to carry the speaker around with you. They also informed us there would be a delay and the first 200 units would ship by the end of January 2016. People have started receiving their units but most of them are faulty with various issues below: Switches breaking Off (Poor Quality). Switches actually stuck (Seem to be glued?) Units not powering on (On/Off Switch Issues). An SD card needs to be inserted in the unit for it to work but most units do not recognise the card. Overheating Issues. There are lots on complaints on their Facebook page requesting refunds and the company common response is email tech at ghostark.com People have done this and some get no answer or silly answers not relevant to their question? I wish to get a refund the reason being it is no longer the item I ordered as it no longer has an internal speaker and have emailed tech at ghostark.com but have not had a reply which is very common? The company have just announced a statement on Facebook. Their page is GhostArk. All those customers who have received the first batch of GhostArk devices and who have reported problems related to the shielding system or box assembly can kindly send the defective devices back to Moko Technology in the form of registered letter at this address: Moko Technology 4F, 2nd Building, Guanghui Technology Park, Mingqing Road, Longhua, Shenzhen, China 518109. Phone: 86 13128850716 and inform us by writing an email to tech at ghostark.com in order to communicate shipping and the problems encountered; we will send you another, perfectly functioning, GhostArk device. However the shipping is expensive ( I was told around £46 by royal mail insured up to £250.00). My wife paid for this using her credit card company (was going to be an xmas present) and they (her credit card company) have informed her that I must send it back and get a receipt of posting so my wife can then make a claim with them. I then have to fill out a form to send to her credit card company with attached posting receipt. The question is how do I proceed? Do I pay the postage to progress the claim through my wife's credit card company? Any help appreciated TimbreWolf
  10. Hi! I was just wondering whether I can still claim for mis-sold PPI from NatWest. I have had a loan with NatWest that has been extended several times over the years. In 2004 I had a stroke and I am since disabled on benefits. In 2005 I defaulted on NatWest loan repayments after running out of my savings. Many Thanks
  11. Hi I wonder if anyone out there can be of assistance. Just over 2 weeks ago it was my daughters christening. A very good friend of ours is a priest and he agreed to perform the ceremony. He actually lives in Texas and has visited UK on numerous occasions so we were thrilled when he said that he would pass through UK (perform baptism) on his way back to the US after visiting Nigeria. The christening was actually scheduled to take place on the day that he was arriving (1.30pm). As the flight touched down at around 7am we thought that would allow plenty of time. He secured the necessary transit visa and when he touched down at Heathrow he called to let us know that he had landed. An hour later (around 8.30) he called to inform us that the booking agent in Nigeria had made an error with the return flight. Return flight had been booked for 09:45 the same day. He tried changing it but the problem was that he needed to pay a surcharge but the American credit card he possessed was not able to process the fee. I said that I would pay but the airport officials said that I could not do this over the phone- only in person. Around 9.30 am I rushed over to Heathrow and made my way over to the excess fee desk. I explain the situation to the desk attendant and provide the Fr’s details and flight reference no. The attendant informed me that a new return ticket would have to be issued with a return flight either that afternoon at 2pm ($200) or the next day (£881). We opted for the next day as the christening was happening 1.30pm that very afternoon and there was no way that he would have made the 2pm flight. Before he authorised me to purchase the ticket he was confirmed that purchasing the ticket would allow him through. I purchased the ticket and waited for him to come through. I waited and waited. Around 10.30 I called him and he informed me that Immigration was not allowing him through. When asked why the immigration officer told him that a visa does not automatically allow anyone into the UK and that she has the authority to reject any visa and that she is using that authority now. He was told that he would be leaving on the next flight out to the US and that he could either leave peacefully or she would instruct her colleagues to bundle him onto the flight. I was shocked and could not believe it. No explanation was provided. In fact I spoke with Fr when he arrived back in the US and he told me that there were other junior immigration officers present that were sympathetic and when the senior officer left the room they apologised profusely and informed him that this particular immigration officer was anti cleric. Fr was put on the 2pm flight and I rushed back to the church and arrived an hour late for the service. Luckily our resident priest had been kept in the loop and had agreed to perform the service (solo). However before leaving the airport I had instructed BA to cancel the ticket and demanded a full refund. They tried to refund the money back onto my card but said that as the flight was paid in dollars it was causing problems (not sure why exactly). In fact no less than 3 members of staff (each more senior than the next) had attempted to give me a refund but ‘the system’ was not allowing it. They were only able to refund £87 for some reason. The rest they couldn’t do. I was provided with a customer service number which I tried later that evening only to be given a reference number for the issue. I have since received a response from BA- see below. Any advice would be greatly appreciated. I think I probably have a strong case for the mere fact that Fr did have all the necessary papers and secondly I had cancelled the flight and BA had already attempted to give me a full refund. However before I respond I would like to know if there is anything else I can say. Thank you.
  12. Apologies if this has been covered before, I had a look but could not see a similar thread. And the reason I wrote the above is because I am imagining this is a familiar complaint. It relates to a desktop computer I bought online from PC World and now wish to return. I am within the required 14 day time limit so I wrote to them asking for a refund. I pointed out that I had switched the machine on to test it and they then pointed me to their Ts and Cs which say that by doing that I could not now return the machine. I wasn't quite so certain they were correct about their right to refuse me a refund on that basis and I cited the fact that I was within my rights to test the computer at home in the same way as I would test one in a shop and that I would have tested a similar model on display before I bought it. No, they said (repeatedly) although they repeatedly failed to address my central point about doing the same as if I was in the store. I also pointed out that they had no right to absolutely refuse me a refund as they should, at the least, refund me my money less any drop in value by having tested it. Again they weren't having that. So we are at stalemate - but who is right? I'd be interested in any views as I intend to keep pushing this one with them!
  13. Hi all, it's been a while since I last posted here, but have a bit of a question that I hope someone may be able to help with. My girlfriend has recently renewed her car insurance, although her existing insurance does not lapse until the 1st of Feb (a few days a way yet). The insurance she has just payed for is not due to become active until the old insurance lapses. Basically she has paid for her renewal early. Unfortunately her car has developed a major fault, so she now wants to cancel the policy before it actually begins. She had phoned her insurance company on the 25th and dealt with someone on the phone who took payment on her debit card. She has since phoned to cancel and has been told that she will not get a full refund. They want to charge a fee for legal cover, a fee for making a change to the policy etc etc. I suggested to her that she politely end the call and to say she would look into it and get back in touch with them, which she then did. I was of the understanding that under Distance Selling Regulations, any purchase made on the internet or over the phone that was not a "custom" order must be refunded in full within a 14 cooling off period. I would understand if the policy had already come into force, but it hasn't. Does anyone have any views, experience or advice surrounding such an issue? Many thanks in advance, Loaf..
  14. Hi, 23 days ago I bought a keyboard Razer BlackWidow Ultimate without knowing it's only a green color, also, without knowing you can beg for a refund. The keyboard is likely untouched, looks like new, same with the packing. There might be only a small tear after a tape. I own everything just not the Manual. Can I ask for a refund of this keyboard, as I did not know the backlit is only green.. . I still have one day left I suppose, please, I request the very fast answer.. . It costed me £105, I still have receipt. I found there's also BlackWidow Ultimate Chroma in their shops, can I add some more money and change for Chroma one? Thank you.
  15. I sold an item of my sons on Ebay before christmas. I was led to believe by my son that the item was fully working (I know I should have checked) On the day it was delivered the buyer messaged me to ask for a refund as it did not work. I agreed to this straight away and asked the buyer to return the item The buyer escalated the item to Ebay at the same time. The buyer sent the item back to me 8 days after they received it when I got it I tried to process the refund. For some reason Ebay/Paypal would not let me do this so I had to ask Ebay to do it (I suspect because the buyer escalated the case). Th buyer received his full monies. Ebay will now not refund me the final value fee as they say the buyer was unhappy. I am getting no where with their customer service, anyone got the CEO's email address. What a joke of an organisation they are.
  16. Hi, What do you think I should do? I ordered Business Fibre 152mb broadband in January 2015 Virgin required a £230 deposit which I paid. It is now a year later, hundreds of emails and hours of calls and 6 missed apointments and we seem no closer to an actual installation. Costs initially escalated from £60 for the install to a couple of hundred, and 2 months in I opted for a government Connection Voucher to cover it. Since then they have continued to rise and I've continued to agree to them as they are still less than the grant. Highlights include: a 3 month wait while Virgin was emailing the wrong email address to get the installation started being asked to pay £3895 excess costs which turned out to be a basic algebra error resulting from adding the £3000 connection voucher grant and actual £895 costs together waiting for contractors to not show up to do work on 6 different weekends I made a formal complaint in October and have a reference for it, but all the complaints department do is chase their Manilla call centre to give me an update, which typically doesn't contain any information. It has been a very frustrating year and the practical and financial impact on my business is huge. There is also no sign this is going to end with Virgin actually getting round to the installation... I've thought about complaining to CISAS, which is the ombudsman Virgin Media seem to be linked to, what should i be asking them for? Is there anything else I could do?
  17. A lady from Sheffield recently commenced court action against Unicom / Verastar to claim a refund of the termination fees she had paid to Unicom and also to claim compensation for the harassment she had to endure due to Unicom’s debt collection procedures. Unicom settled out of court and paid the full amount she had claimed. BBC Radio 4 ran an item about this on their You & Yours consumer programme and it can be heard by clicking here http://www.bbc.co.uk/programmes/b06wc6qp Further details can be seen by clicking here http://www.ispreview.co.uk/index.php/2016/01/sheffield-dinner-lady-wins-compensation-from-troubled-uk-isp-unicom.html I think this will be of interest to people who have been faced with demands for termination fees from Unicom.
  18. Bit of an odd one. The wife had a letter today from Barclays: The loan they are referring to is a loan she took out 8 years ago to pay for a new car (in fact the car salesman helpfully arrange the finance package, earning himself a nice fat kickback in the process, but the provide was Barclays). This was before I met her (the good old days), and when we got together I encouraged her to use her savings to get it paid off early, rather than continue to pay high interest rates. So I'm wondering why Barclays are now contacting her offering her money (albeit only a fiver). I'm sure it's not out of the goodness of their hearts. Has there been some recent scandal (like with the misselling of PPI) and they are being forced by a regulator to issue refunds?
  19. Hi all, toay I had a refund offer from My Jar/Txt Loans for £108 ...i took 2 loans out in 2009 one was repaid on time and then i took another out immediately although I defaulted on this one and late fees etc were added and a few months later I repaid it. Today after I raised a complaint re irrisponsible lending they offered a refund of £108. Safeloans have agreed to remove the ccj from my CRA. TrustedQuid have agreed to work with me to repay the last loan of £150 and remove all references from my CRA files when they receive the first payment FOS has upheld my complaint against Mr Lender, have to wait till 30/12/15 to see if they want to esculate - but should mean a refund of all fees and removal of references to loans from my CRA files Payday Express has said they couldnt look into my complaint in the 8 weeks they were given so now with FOS. FancyaPayday now with FOS after they rejected my complaint, specifically when they took £1300 from my bank for a defaulted loan Nova Loans - still waiting for a response re insufficient incoming and ougoings
  20. I recently paid for a uniform for a club that my daughter attends with cash and did not get a receipt. The uniform has not been given to us and she has now left the club. I have emailed the club and asked for a refund but have not heard back. I have no idea what my rights are, if any. Any advice would be gratefully received.
  21. Hi Lee/Vodafone rep, Ordered a Vodafone PAYG phone to be delivered to store. Never took delivery and so contacted Voda support for a refund to my debit card.However, promised refund still not received. Have chased multiple times since the beginning of October (phone & web chat) with no joy. Please assist. Thanks.
  22. On the 15th November we purchased a dishwasher drier from Currys in Worcester. We also paid a £19.99 installation fee. The dishwasher was to go where the washing machine was located so all connections were in place. They delivered the unit on the 17th November however they were unable to install the unit as the supply hose on the Miele has a large filter unit on the end of it however they did move the washing machine out of the way. We had to pay someone to come and cut a larger hole and connect up the dishwasher. The delivery people told us that Currys would automatically refund my credit card the installation fee. To date this has not happened. How long should we wait before chasing Currys for the refund?
  23. Hi, hope you can help? Recently, I had to replace my vehicle after it was written off. When it cam to get the tax back on it they only gave me £12.00 when there was 5 or 6 months left on it. Is this right??
  24. Hello all - just wondered if there's anything we can do? My daughter was due to travel to Paris today (should have been yesterday, thankfully she had to change it for today!) by Eurostar, and then there was the terror attack last night which was literally within the area she would have been staying and holidaying in. Now, French authorities are telling everyone to stay indoors, Disneyland and all other public places, attractions and many shops etc are closed, and the area is pretty much cordoned off, despite all this Eurostar will not issue a refund, they are only willing to change the ticket for a different date. My daughter does not want to visit Paris at a different date, neither does she have any annual leave left to be able to book anything even if she did want to try to go back. It was 2 tickets, at the combined cost of £210. Is there any way she can get a refund - even a partial one - of this? Thanks
  25. Between 1st-7th April a number of payments were taken from my debit card, to a company I have never heard of. I contacted barclays who put me through to the fraud team, who said I could open a dispute. I had to wait for forms, and as soon as they recieved them I would get a refund. When the forms arrived I took them into my local branch and asked them to fax them for me, so that they couldn't get 'lost' or anything. I then contacted the fraud department and was told that now I had to wait 10 working days for a refund. 3 days after that I recieved a letter stating it would now be TWENTY working days before I got a refund. I called the bank back and was told it would be 10 and the letter was wrong. 10 working days came and went so I called again, to be told it would be a further 10 working days as I had been informed it would be twenty, not ten (!) At this point I was fairly ****ed off tbh. I contacted the FOS who informed me that I should have received an instant refund when reporting the fraud. They also told me however that I had to follow the banks internal complaints procedure before I could put in a complaint with the FOS. So I put in a complaint. I was then contacted by someone who told me that it would be a 2 more days but for the incorrect information I had been given..he would credit my account with fifty quid as a 'goodwill gesture'. 2 days went, then I recieved another letter telling me my case had been passed to the 'complex investigations team' and would take ANOTHER 20 working days. I was foaming by this point. Called them back and they said to ignore that letter as it was wrong (again). I asked how long this 'investigation' was going to take, and now the timescale didn't exist at all. I was told it 'usually' takes 20 working days but could take much longer. I tried to register another complaint about again being given wrong info by many different staff members, but I was told that as I had accepted a 'goodwill gesture' payment nothing could be done! I hung up the phone in a rage at this point. Probably not the most mature thing to do but I really feel its taking the mick. When I calmed down a bit, a few days later I called again. And was told a letter had been sent to me I received the letter the next say stating that my complaint would not be upheld as fraud investigations take time and not every one is the same, and also stating that they are following FCA rules by withholding my refund for nearly 6 weeks. I was then taken into hospital so I have not contacted them again, nor have they sent me any letters or given me a refund. What can I do now? The barclays complaints department will not even entertain my complaint,. so I can't get a 'final response' letter which is what the FOS said they needed. I am out a large amount of money (to me) and barclays appears to be enjoying messing me around. Its really true when they say bad things come in 3s..had problems with brighthouse, fraud on my bank, and a hospital stay all within a few months of each other
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