Hi, does anyone have the link to calculate payday loan refunds?

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

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

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.

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!

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..

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.

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.

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?

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.

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?

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

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.

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.

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?

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??

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

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

Hi I have just received a letter with cheque attached from Santander stating that 'while reviewing my closed business account they have noticed they applied the wrong interest to the unauthorised overdraft on a business account between 2009 to 2014.' Now this account was closed after being paid in full in 2014, but what they have refunded is the difference between the wrong interest and the correct interest and then have applied interest to that as accrued to current date. While this is OK, my question is would I be entitled to compensation on this error as well as any charges on the account that were applied. The additional interest that I had to pay off at the time certainly delayed the settlement due to the extra interest added by them and this was at a time of hardship . I did not have use of that money for use by my family as it was paid to Santander, and it prolonged the time that it was reflected on my credit report. My thoughts are to request copy statements from them for the time period noted and details of charges applied so that I can check what they are referring to, details of how they have calculated the refund, have they included the amount of interest applied to the incorrect interest, along with a request for compensation for the hardship stress and lack of use incurred by their error. Any thoughts and additional suggestions on this would be appreciated along with what level of compensation would be reasonable to expect/ request. Thanks in advance for your thoughts and comments

I have been taken to the police station after being arrested in Tkmaxx 3 weeks ago by the offence “fraud by false representation”. I have been realised after receiving a simple caution, saying that ‘…committed fraud in that you dishonestly made a false representation, namely swapping price labels, intending to make a gain, namely returning goods for cash, for yourself...’ On the day of the incident, after I returned my purchase and left the till, two security guards approached and asked me to go with them. I didn’t even asked why as I was one of their regular customer for a several years, knowing almost each staff and been offered few times an extra discount from the managers or the supervisors for my loyalty. I have been taken to the security room. Firstly they accused me by shoplifting and when I refused this offence, they started to talk about my previous refunds on which they accused me with false representation. I didn’t deny. I said that the returning items are all bought from Tkmaxx but as they were past the 28 day refund policy (unworn/unused items from the past season), I swapped the barcodes with the new items that I bought this season. I do not say that I am innocent as I admit that I foolishly swapped the barcodes, but I didn’t steal anything or returned any items that doesn’t belonged to Tkmaxx. After this long conversation they said they don’t believe me, that I lie and I do the refunds to make a gain. Although I repeat saying they must have the CCTV record and they are able to check it, they interrupt me by saying that they never sold such items. They also add that they need to call the police as this is a case for them. I may say that I was happy to see the police as I thought it would be an opportunity to explain myself. The surprise came out to end my hope at the moment when the police officers asked me to turn back in order to handcuff me and held in custody. I just wanted to die at the moment. 42 years old, never been arrested, didn’t even get any single traffic fine, now taken to the police station for a crime. I was extremely embarrassed, ashamed, stressed, astonished and mostly, worried about my children. At the police station, I was now hardly hearing and trying to understand what was going on when the police officer asked me if I wish to contact my embassy (as am not British) and my solicitor. I was so frightened and felt under pressure as I wasn’t sure where this story was going on and if I might ever see my children again. After I saw the duty solicitor and being interrogated by the police officers, I was free to go with a simple caution and have been warned do not go again to Tkmaxx I paid visit to my job to talk to my manager three days after being arrested and to explain openly the incident. I said I could resign and leave the company willingly if they want to. She said "no need, we know you" She was upset for me and encourage me to get legal advice to clear my name. A week later I received a letter from RLP in which they are asking me to pay £417.47 (£219.97 for the losses and £197.50 for the contribution) I visited the duty solicitor to to get legal advice, he told me to pay this amount. I was googling and trying to get more info about this issue and payed an other visit to the CAB. At CAB they told me to pay this amount in order do not be taking to the court. I called RLP to ask the breakdown and why I will be charged for such amount as Tkmaxx still kept the 3 items they I returned? (the items I returned are not even taken by the police for evidence) I told them that I will contact them later as I will get legal advice. Long story short, can you please tell me * if I really have to pay this amount? *what will happen if I do not pay? can the Debt collector bring me a bailiff? *Can Tkmaxx take me to the court for this unpaid sum? *Can I be found guilty and jailed as I already get a simple caution? thanks for reading and help...

I am writing here because I'm at my witts end with Vodafone. I made an order on the 25th of September, for a Vodafone Smart Ultra 6 (handset only), but canceled it the same day, due to a possible 4 week stock delay. meanwhile, I'd purchased the same phone, from a branch. Despite having had confirmation the order had been cancelled, twice on the phone, and twice via chat, a delivery attempt was made, and the money taken (I refused delivery, as instructed). Fast forward to now (19/11/2015), I am still without my money, despite having made over 30 calls to customer service! I've been fobbed off more times than I can count, and passed back and forth like a football. I been promised that a refund process is underway 4 times, until about 6 phone calls ago, when it was claimed that my payment couldn't be traced by billing. They've had me go into a branch with my bank statement, to show the payment, then asked for it via email as well (provided)! It got to the point where I'd had enough, and so contacted my bank. They're trying to run through the process of a payment dispute, to get my money back, but need a refund voucher to be issued by vodafone. Well I contacted Vodafone for that, and you can guess how it went! 3 agents and half an hour gone, result; no idea what I was after, and no appetite to put me in touch with someone who could help. Please help!

Wow....One for the record books! HERE Source - Credit Today I'm mightily surprised about this! Time to get claiming folks!

Hi There. i've been reading some of the post and i thought i give it a try i used this template "I wish to make a formal complaint based on what I believe to be irresponsible lending and the amount paid towards the loan. On 26/02/2010 , I was granted a Debt Relief Order. Had you done sufficient checks you would have seen this on the Insolvency Register and on my credit report. This, added to the fact that I made you aware of the difficulty to repay and the offer of further finance should have been blatant that I was in financial difficulty at the time. I do not believe you performed adequate checks and should not have agreed to loan these funds. During this time I received calls and texts to the point of harassment from 'MMF ' and various people claiming to represent you. I was also threatened with a home visit within hours for removal of goods which is downright wrong. You should know you need to apply for a court order, for the court order to be granted and subsequently broken before even considering these activities. With regards to paying the loan itself, I have paid a total of £100 on a loan of £200. All of the charges you applied would breach the FCA's guidelines on collections activity as you have levied unfair and disproportionate charges to the account. Based on the complaint I request the following: - A refund of the sum paid above the initial capital of £500 plus a further 8% simple interest for four years - For the account to be settled as paid - A formal apology concerning your collections activities and subsequently an offer of compensation for the distress caused over numerous years Should this matter not be resolved adequately I will be taking my complaint to the FCA for further investigation This Week i received a reply from complaints saying this " Thank you for contacting QuickQuid. The contents of your email were duly noted. Your query raised several questions on what loan affordability is based on and what statutory checks are processed before assessing credit approval. Please be advised of the following information in relation to your query: -We processed a credit check, the search id: {Took this out} confirms one of the affordability checks that were ran. You can find additional information on checks by contacting Callcredit which is one of the Credit Reporting Agencies we use. -We also run various checks, which include but are not limited to, affordability assessment based on current financial commitments, as well as verifying any personal details provided on the application. -After the application was submitted, we send our customers an email which contains the pre-contractual agreement and also contains a hyperlink that leads to an audio version for your convenience. -Prior to making a lending decision, your loan application is reviewed and all of the information discussed above is analyzed and taken into consideration. -Once that information is reviewed, we make a decision and subsequently contact the consumer to advise of the final credit decision. After careful review of your account and the information you submitted at the time of your application, we have determined that we diligently followed our processes and conducted a credit and affordability assessment on each credit application that was granted. Furthermore, your request for a refund on the charges and fees associated with your loans has been denied. If you have any queries, our Final Resolution Team is here to help. Kind Regards, Tiffaney What can i reply here : shall i report it to FOS. This loan was back in 2005/2006 Thanks

E.ON have announced (internally) that penalty charges previously charged for unpaid DD or cheques at £10 a time will be refunded. Affected customers no longer with the company will receive a letter and then a cheque if they have a zero or credit balance. If they're in debt then this will be reduced by £10 Current customers will receive a refund to their account but no letter

Hi I placed an order with Vodafone online on 18th October for an iPhone 6s and paid £69:99 for the handset upfront then realised that I didn't require the order anymore so spoke to someone on live chat on 19th which I have the transcript for who told me that the best thing to do was refuse the delivery at the door and it would be sent back to Vodafone. My delivery arrived on 20th Oct by DPD and as instructed I refused delivery at the door, I then gave them sometime to return the phone to Vodafone and for Vodafone to refund me the £69:99. On the 2nd November I chased up the order return again via live chat which I also have the transcript for and I was given a ref code and told my refund would be with me by 3-5 days. As the 9th was a Monday I expected the refund by Friday at the latest. It has not materialised and judging by the threads online on various forums it seems that using the CAG and speaking to Lee is my only hope of getting my £69.99 back. I'm keeping my fingers crossed he can help and have put my ref code in my thread title so he can find it.