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  1. I don't know if this is a question, a warning or a rant but having just experienced the worst car journey of my life, I am feeling pretty traumatised and having flashbacks of the nightmare I had yesterday. These are just the highlights. I was driving from North Perthshire to Lancashire and just as I was south of Glasgow, the car jolted and my car's amber engine light came on along with a red light with a message saying ENGINE SYSTEM ERROR. I pulled onto the hard shoulder, switched the engine off and then restarted. Everything seemed fine for about five minutes and then it happened again. The car's revs were capped at 2,000rpm and due to the road and driving conditions, this meant that there were long stretches of incline that I could only achieve 20mph. I have 'Silver' breakdown cover with Eversure/PEX (for reference only, I have included the details below) I phoned them and explained my situation but the operator refused to offer any assistance saying that my policy did not cover warning light issues. I tried to explain that it was not a just a warning light, there was an error light. I was told that so long as my vehicle could move, I had not broken down. I asked to speak to a manager and was passed to a supervisor and got the same story. Eventually, I got to speak to a manager but he just said the same although he did offer to send a truck to remove the car from the motorway for £100 but said that it would probably take an hour and a half before they arrived. I refused this because I was so outraged that I was being denied assistance and I had no way of paying it. I was told that it was standard within the breakdown industry not to cover warning light issues and kept telling me to read my policy documents (as if I had access to them right then - they were e-mailed to me and were on my laptop). Again, I tried to explain that it was an error light, not a warning light. In the heat of the moment, I said something which later realised was not true, I said that this was the first time I had ever needed breakdown assistance with any company and was disgusted that on the first occasion that I needed it, I was being refused. However, I later remembered that I had an old camper many years ago for which I needed assistance (with either the RAC or AA - I don't remember), once for a broken fan belt (the battery light had come on), once for a burst radiator and once for a detached exhaust, none of which, by their criteria, would qualify for assistance - I could have driven until the battery was flat, I could have kept filling the radiator with water and I could have carried on driving making a racket with no silencer. The upshot was that as far as they were concerned, there was no reason that I could not continue my journey, even if it meant limping along at 20mph with trucks driving three feet behind me flashing at me. Consequently, I had no choice but to drive up the hard shoulder until I reached the next exit which was Abingdon Services where I tried to think what to do. I was 190 miles from my destination. I figured that I could maybe take the back roads but no matter how I tried to configure CoPilot on my phone (strictly avoid motorways), it continued to present a route which took me onto the motorway. Eventually, I changed the satnav vehicle to bicycle and it got the message. I hadn't really got a clue where I was or where I was going. I drove about thirty winding miles along ancient bumpy, pot-holed roads linking villages and hamlets imagining the carts which passed a hundred years before me with my car juddering away thinking that I was in a nightmare that would not end. I then found an A road and after some time hit Carlisle at rush hour so it took almost an hour to get from the north to the south and heading to Penrith. Still having to stop to let the understandably impatient past and then stopped for half an hour to let the traffic calm down. In the outskirts of Penrith, at one point, the satnav told me to turn right but before I even considered it, immediately to my right, the road I was supposed to take was blocked by this: I just found the photo on a local news site. I had thought that my memory had exaggerated it. Still at the mercy of the satnav to avoid the motorway, I realised I was heading into the Lake District and followed it blindly until I saw a sign for Kirkstone Pass which, for anybody who does not know, is 1:5 in parts (20%) and by this time it was pitch black. The prospect of retracing my route was too much so I attacked Kirkstone Pass ascending in first gear at about 5mph. After a while, I then came to a turn which seemed a bit wild but did as I was instructed which led to a track crossing a dual carriageay. I followed this for a mile or so until I came to a farmyard with a locked gate. At this point, I reverted to car mode and I had no option but to go back and join the dual carriageway on which I just kept pulling over to let traffic past. Each time I pulled over, I switched the engine off and restarted it which gave me a few minutes of grace before the error came on and I suddenly had no power again. After struggling through Kendal and trying to get onto the A6 but found myself on the M6. Thankfully, by this time, the traffic was fairly light and although there were still lorries who seemed to enjoy driving right up my backside when there were two clear lanes to overtake, I eventually reached my destination. It usually takes just under five hours but I was in the driving seat for eleven. Everybody I have spoken to is outraged that the breakdown company refused to help including the mechanic who is now hopefully fixing my car. The policy document does state under things which are not covered, 'Assistance whereby your vehicle dashboard warning lights are activated, however your vehicle has not broken down and is not immobilised'. As a former aircraft mechanic, I consider amber lights to be warning lights, red lights are faults. The LCD display said ENGINE SYSTEM ERROR, which is not a warning, it is saying that something is wrong. Every web page I have looked at today says that red dashboard lights tend to mean that the car requires immediate attention. Red means stop in every language, doesn't it? I'd be curious to know what other people think. When I get home, I intend to look into getting this clarified and make a formal complaint. Information from the insurance certificate: Section 1: Basic Cover Roadside Assistance 30 minutes Local Recovery Up to 25 miles National Recovery Transport to home or destination Section 3: Silver Cover Offers the following in addition to Basic Cover Benefits: Onward Travel i) Alternative transport ii) Overnight accommodation (£75 per person, £250 in total) iii) Replacement vehicle (£100) Home Start At or within 1 mile of home address Callout Limit 6 callouts Claim Limit Max £2,500 total claims per year
  2. Hi, new here, apologies if i have post in the wrong place. i need legal assistance to write up a claim against a high street bank. Never in my life have i met a company like it. Deny, delay, deceive and shift liability at all costs seems to be the tactics at play. Brief back ground. 2007 i re mortgage to a tracker mortgage 2009 i start getting letters stating my two year tracker mortgage is coming to an end alarmed at this news, i called bank to notify them of my own change in circumstances i was now on ESA DLA etc due to illness, and, to challenge the idea that i was on a two year tracker mortgage not a life time tracker which i asked for! a phone call to the bank informing them (call A) was had and i was not offered any help, no product change no offers nothing, all they would do upon request is put me on interest only holiday payments. i was seriously ill at the time and could not fight them there and then. around 2011 i decide to raise a complaint, a financial advisor for the mortgage broker insisted that the bank should have made me an offer or an affordable product as soon as i informed them i was ill and on the sick. the bank did no such thing and never has to this day! i requested to see the original signed documents to ascertain whether or not i did in fact sign for a two year tracker or if the bank was changing my terms and conditions because my payments on the tracker were very low due to the low interest rate.. the upshot was an ombudsman complaint, about the bank not showing me the original signed contract/agreement. the bank sent a copy of a direct debit agreement and an insurance agreement to prove i was in a contract with them, and the ombudsmen accepted that as evidence of contract. no where in contract law does that stand as a contract, its not even a confessionary judgement, just some circumstantial nonsense. i was naive to the ombudsman process(still am) and allowed the adjudicator to convince me she was the ombudsman and i thought that was it done. i moved onto try and get a copy of (call A) again, i asked for the call in writing, by phone, the citizens advice asked for it, the ombudsman asked for it, the bank refused access to the phone call, concealing the evidence that i had indeed informed them of my ill health. their complaint handler based his whole refusal of my complaint around computer notes and refused to listen to the phone call. demoralised and defeated, i made one last attempt to rectify the situation by calling the bank, got a great woman Spent 4 hours that day trying to get to the bottom of the problem in 2013. S she called me back in the afternoon, and said, you were right! the complaint manager had now listened to the calli i had informed them of my illness that i should never have been on interest only payments that they had set me up for payments of £235 per month That payment was to always remain the same. T Brilliant, i though, finally got to an agreeable solution. she also said the letters i was receiving informing me that my payments were going to go up was a banking error... two weeks later, the letters started to arrive on the door step again. i called the bank they refused to stand by their previous offer/arrangement and proceeded to set me up to fail in order to gain a false legal basis to repossess. i2014 the bank filed for possession , i filed a notice at first and gained an order for my complaints against the bank to be investigated at the next hearing! i filed a 67 page bundle two days before the hearing and the bank ran away, adjourned with an opportunity to restore but had to do so within 1 year or else they would be struck out! 2015, they relisted the hearing, i filed more paperwork they adjourned again for another year, 2016 i requested an adjournment myself, which pushed it into April 2017, when finally the bank failed to relist their claim and consequently were STRUCK OUT!. the bank have since added 6-7k worth of legal costs to my account, despite protest of course, they are now currently ramping up their threats whilst in all this time they have never made me one affordable offer! ive been bullied, threatened, lied to, deceived, misrepresented and set up to fail! the Judge said in 2014 that he agreed with my counter claim, the basis of which was unfair treatment and relationship had developed. Now i want to file a legal claim against the bank but feel i need someone with the legal head to help me write the claim and comprehend the procedures. at very least to bounce ideas off... whom in here want a crack at a major high street bank? one of the worst organisations i have ever dealt with, they will say and do anything to avoid liability, they even lied on their witness statement by claiming the arrears had not been capitalised only last week admitting that the arrears HAS been capitalised!.. im at my own wits end and need some support and help.. any forthcoming will be appreciated..
  3. I Phoned up to change the seats on the flight on Friday night, only to find out the hotel we'd booked into 16 months ago (and requested special assistance a few days later because they were not open when the holiday was booked) is not suitable for those with walking difficulties (nor is anywhere in cap salou apparently) I was open about my disability from the first call and that of my children but wasn't told about the resort or hotel (I'd asked for 14 nights all inclusive but left the resort open to Thomas Cook while explaning I have sever walking issues) I received a phone call back offering Furturaventura a week earlier but my wife has never flow before and is really panicked so a 4.5hr flight isn't an option, also our kids zone out with theme parks and that's how they escape, hence Salou being a good fit. I'm awaiting a call back as I then asked for a hire car to be provided to us for our stay, if Thomas Cook refuse this, there is nowhere else for us to go and we're really stuck, I can't walk more than 10 meters I use crutches and wheelchair etc, so where would I stand about getting a full refund without being deducted anything? We're under 60 days out now, not that a full refund would help with such a short amount of time left. Sorry I appreciate its long one but my head is in a spin we could only afford this holiday as a one off because of my health etc and now stand to lose everything.
  4. It's not really programming – but I'm not sure what to call it. Anyway, I use a printer program which generates a log file. After every print, the log file is overwritten. I want to extract certain information from the log file and put it into an Excel spreadsheet so I can keep track of the prints that I do and the settings are used. I don't want to have to muck around. I want to be able to do it with one click to start the script going. Here is the log file. Most of the information I want is contained in the two lines which I have coloured in red. The data I want is coloured in green. The field names are the word before the = (equals sign) I haven't picked out all the fields or the data in green in the list below – but you get the picture. As to be one click, which then extracts the data and inserts it into the correct fields in the spreadsheet and then saves it down. The first column in the spreadsheet should be the date that it was done. Can anyone help?
  5. Hope someone with legal knowledge can help with this matter, We have sold our house in scotland and complete in 4 weeks. We have since discovered we have an inhibition order that was renewed for an old CCJ obtained in England that we need to get lifted. The story is this. We had a default judgement registered in england in january 2008 for 19k by a debt collection company. We went to court to get it set aside/defend as we were living in Scotland at that time. We were challenging jurisdiction and the amount plus. The judge issued a revised order in may 2008 amending the original judgement to £8k and requesting claimants to instigate mediation thereafter. No order was made about jurisdiction. We subsequently also found out after the judgement that PPI was included and the agreement has a false signature. This information was not available to us at the time of the second judgement in May 2008. The claimants registered the original CCJ in Scotland so they could pursue which resulted in an inhibition order, however, the inhibition order was issued in 2010 quoting the original CCJ in default issued in January 2008 of £19k and not the revised amount detailed at the hearing in May 2008 . The 5 year period expired and the inhibition was renewed in feb 2015. Is the inhibition valid given it quotes A CCJ amount that was subsequently amended by the court? What can we do to get it lifted quickly? We have subsequently moved back to England. Would appreciate any help available.
  6. I booked disability assistance in Stansted Airport. The driver and his colleague of the disability vehicle taking disabled passengers from the plane to the airport building acted unprofessional and reckless. When the car started driving (and speeding!), the driver left the door opened right next to where an elderly passenger sat, she was petrified. After some commotion the car stopped and they closed the door. Then the car started speeding again and then suddenly braked throwing me to the floor, I was wearing a spinal brace at the time. They were saying they drove into a chain that was supposed to have a sign on it and it didn’t, trying to justify that it wasn’t the driver’s fault (although, had they not been speeding, I believe they would've seen the chain and even if they had to break I would not have fallen). Despite the incident, I was not allowed a doctor, any medical help, not even a first aid box for a plaster, etc. When I asked to speak to a manager, I was told the manager wasn’t there. I wanted to log a complaint, but they wouldn’t allow me in any way to record the incident, for various reasons they made up. Absolutely everything was refused, apart from a glass of water. I was travelling alone, and I remember severely shaking at one point. All of this should be on CCTVs. I had refused to leave the airport until a complaint/incident was logged and a first aid box was given. The guy said there were no first aid boxes around, or to that effect, and there was nowhere to log the incident or complaint. As I refused to leave, he then paraded me around the airport in the wheelchair while he (non-enthusiastically) kept asking random employees for a plaster and how to log this incident, this took a long time and it was obvious he was trying to get me tired of this so I would drop everything and leave. It was a humiliation of the first order and I can’t begin to express how stressful this was. In the end, I wasn’t’ going to leave the airport, so he had no choice but to get me a plaster, which he found on a colleague, and apparently logged a report on their computer in the disability office. Still, I wasn’t allowed a copy of the report or a reference number. I was assured that someone would contact me about this. No one ever contacted me. As the result of this incident and how I was dragged around the airport my prebooked transport was already gone. This was not a difficult hour of the night and the airport would not help me with getting home. I had money for a bus that went to Victoria station in London, so I got that, but I have a huge memory blank of how I got home that night, I think I was so stressed or in shock I have a memory loss. For many months I was so stressed about this incident that I couldn’t even fly to my cousin’s wedding in Europe. I couldn’t face contacting Stansted airport to chase up this incident either as when I would think about it I would go breathless and my heart would go into palpitations and out of rhythm (I have a medical heart condition). Some months later, when I could get myself to do it, I wrote to Stansted airport to find out about that complaint someone was supposed to get back to me about. I learnt I was mislead in the airport and there was no complaint on the system. Then I sent them a fresh complaint by email, they accepted everything that happened, but blamed me for it as apparently it was my fault I didn’t put a seat belt on in the disability vehicle. (Note: as a result of my heart condition I often feel dizzy and faint so I can easily overlook things like seatbelts. I book special assistance in the airport to help me physically with basic things like mobility and seatbelts. I don’t understand why this is my fault). The complaint was also not accepted properly because I emailed them just over 6 months after the incident (-apparently what I logged in Stansted airport was an incident not a complaint – a technicality I didn't know about, and apparently I had 6 months to log a complaint – another technicality no one told me about). I felt like I was a victim of some sort of Stansted airport mafia. I found it impossible to complaint to Stansted airport. What can I do about this please? Is there anywhere else I can take my complaint to? Or is this all at the discretion of the airport? I feel the incidents that happened in Stansted airport, how they were handled, and how passengers like me are presented with barriers to complain about such events makes Stansted airport a very dangerous place for disabled passengers. Any advise or feedback is most welcome.
  7. Thames Water has a fund in place which can help to pay your water bills if you satisfy their hardship criteria. If you have used this fund before or if you decide to use it now, we would be interested to hear about your experiences of it. You can post in the Utilities forum:- http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?121-Utilities-Gas-Electricity-Water Other water providers may well provide similar schemes. Check on their websites and let us know.
  8. Hi All, Brought a car from Yes Car Credit in May 2004, arranged with Yes Car credit to return due to change in circumstances in September 2004. Debt was transferred to Go Debt, apx £6000. Payment plan in place with my DMP and balance currently apx £1600. Been paying this since 2004 to present date. Looking for a way to end this and looking for best way to try? I was missold the PPI on this agreement and was told i could not proceed unless it was taken, PPI was also apx £1600. is there any option to try with this? This was just before the FSA came into effect in January 2005. Also the deposit of £110 was subtracted from the Insurance / PPI section on the agreement not the Vehicle, seen a few comments on here that this can have an impact on the agreement. I have a copy of the agreement but have sent Go-Debt a CCA request. Any Ideas / Best way to proceed? Thanks.
  9. Having a real headache after purchasing an item from OCUK (Overclockers UK) and feel as though they have played me for a bit of an idiot. Am in need of some advice if possible, as this doesn't seem to fall into any current consumer law or grant any protection that I know of. Sent this letter recently and is a rough breakdown of events. 07/02/2016 Dear Sir or Madam, REFERENCE: .(name)../Overclockers UK (OCUK Ltd)-Gigabyte GeForce GTX 970 G1 Gaming 4096MB GDDR5 PCI-Express Graphics Card I have owned the item, a Gigabyte GeForce GTX 970 G1 Gaming 4096MB GDDR5 PCI-Express Graphics Card, since 13/12/2014 which I purchased from Overclockers UK (OCUK Ltd). I paid £289.99 GBP for this item and it has a 3 year warranty period. I have discovered that the item is not fit for purpose. I initially received the card on the morning of the 13th December 2014. I initially had a few issues regarding the performance of the product and managed to find a solution online. The card worked adequately enough until the 20th December 2015, at that point I began to experience what seemed to be large red graphical flashes and lines on the screen. I attempted to troubleshoot and research online regarding the problems I had experienced, specifically without touching any hardware. I was then advised to try a different port on the back of the graphics card to attempt to show the display without these large flickering lines, red dots and pixels. I managed to record video evidence of the issues and have confirmed that the other display ports were also faulty. I ultimately deemed the product unusable, as it could no longer function as originally intended for. I proceeded to contact the manufacturer 'Gigabyte' regarding an 'rma' procedure for the product, in which their response was to ' please contact the location where the original order was placed'. I then contacted Overclockers UK and spoke to a gentleman on the phone who immediately acknowledged the issues that I had faced and stated that he knew what the problem was in these cards (gtx 900 series) and that I should send the card back to them for an 'rma' procedure. He then gave me an 'rma' number/code for the return shipment process. I would like to stress that the card did have an incredibly small scratch on the back-plate (which is there on this particular model to protect the pcb and evidently costs more). On December 23rd 2015, I then sent the product back to Overclockers UK with 1st class shipping with UPS with added insurance and recorded delivery (£25.79). Received response to me via email: Dear Mr .(name). .(name).., Your RMA RMA295815 has been received at our offices. All RMAs are tested in compliance with manufacturer requirements. This testing process can take around 5 working days. Once this has been completed we will e-mail you again with an update on progress. If your item has been returned for DSR (Distance selling Regulations) refund please note that all refunds will take up to 5 – 7 working days to be completed. We also reserve the right to test and inspect high value items returned under DSR (Distance Selling Regulations). For items over 28 days of purchase please be aware we send these back to the manufacturer for repair / replacement. This process can take up to a maximum of 28 working days. On the same day I then received this email : 'Dear Mr ..(name) ....(name)..., The product GX-147-GI on RMA295815 has been returned to you. It has been rejected for the following reason. "CARD HAS BEEN TAKEN APART, SCREW MISSING FROM BACK PLATE AND SCRATCH TO BACKPLATE. WARRANTY VOIDED ". Overclockers UK then emailed me further to state that they would be sending this item back after rejecting it outright without testing it, apparently due to a scratch and a screw missing (which wasn't to my knowledge). I then received the item back on the 4/01/2016, whilst inspecting the item I noticed a number of plastic covers had been removed and not replaced, I was also able to account for every single screw in the card in which one was 'apparently' missing. I contacted Gigabyte(manufacturers) regarding the issue of voiding the warranty, the representative stated that excess physical damage (not a scratch), or aftermarket additions or modifications would breach the warranty and taking the card apart was in fact perfectly fine. Overclockers UK have no information anywhere regarding what successfully voids a warranty of a graphics card as I spent time researching their website and elsewhere online for information. On their official forums they have clearly labeled guides such as these: (cannot post links as i have a low post count) (http)://forums.overclockers.co.uk/showthread.php?t=18677735. Titled 'Here is a little guide to show you how to take apart a GTX980 G1 gaming card from Gigabyte, clean the GPU core surface and re-apply fresh thermal paste before re-assembly'. It is now dated 07/02/2016 and I have not had a functional product for over a month and a half with no positive outlook or solution on the horizon. The Consumer Rights Act 2015 makes it an implied term of the contract I have with Overclockers UK (OCUK Ltd) that goods be as described, fit for purpose and of satisfactory quality. As you are in breach of contract I am entitled to a replacement at no cost to me for the reasons outlined above. I also require you to confirm whether you will arrange for the Gigabyte GeForce GTX 970 G1 Gaming 4096MB GDDR5 PCI-Express Graphics Card to be collected or will reimburse me for the cost of returning it. I await confirmation that you will provide the remedy set out above within 14 days of the date of this letter. Yours faithfully, ...(Name).. .....(Name)..... Basically received a phone call on the morning the letter was signed for on the 10/02/2016 asking If I would send the card back into them so they can test it and process another rma 'again' so they could send it off to the manufacturers to get it repaired or replaced. the issue I have with this is that I don't trust them at all, especially as they have already told me a month ago that the warranty has been voided. Also the manufacturer may take up to 2-3 months according to their online information which means I am out of an important component now since December 2015 and may not receive anything back until April/May? Any advice would be much appreciated, unfortunately I am not made of money and cannot keep ordering new parts all of the time.
  10. Morning A friend of mine is having a multitude of issues with her local council mainly due to not disclosing changes of circumstances leading to overpayments of housing benefit and council tax benefit. This is just for the council tax. In the first instance, her local council did a recalculation of benefits after I got involved but for the years 2013-14 they have presented a bill for nearly £500. After some communication with them, they have stated that they will not be able to agree a payment arrangement until a liability order is in place. In this area, a LO adds another £75 to the bill. Surely they should be willing to enter negotiations before it gets anywhere near a court?? Another small(ish) issue was that the council sent her a final notice for her 2014-15 demanding full payment within 7 days except they posted the letter out via a third party and I got the letter with 2 days to spare. They threatened to get a liability order which would incur another £75 for a debt totalling less than £12. Surely they should not have done this! Complaint letter done and will be posted later
  11. On the 2nd of October 2015, I placed an order at www.xldata.co.uk for some marketing data. This was a personal purchase and was made under my name and using my personal home address. However, in error, I entered my work email address into the form. The company emailed me the data to me on 5th October 2015 and included an invoice which was due for payment within 7 days. I noticed that the invoice had the name of my company on it, albeit, the other details were correct (my name and home address) and because I didn’t foresee any issues with the purchase, on 11th October I made payment via BACS to the details provided on the invoice from my personal bank account. The total sum being £948.00. On the 12th October, I received an email from the company advising that payment had not been received – I advised the company that I could see the payment had been made and that they should expect it over the next couple of days. Over the coming days, infact every day, the company emailed me (the same person – Mr Clive Brown), advising payment hadn’t been received, I confirmed time and time again with my bank that it had been sent, however, there was a question about the success of the transfer that was raised by one person at the bank who advised usually a confirmation message is seen by the sender to confirm payment had been received successfully by the recipient, this was not present for this payment – the bank began to look into the payment. On 20th October, after a barrage of emails and phone calls, which got increasingly curt in tone, I emailed the company advising that I would like to cancel the purchase and confirmed I had not used the data and it had been deleted from my computer. The company refused to accept this. On the same day, I received an 2 emails from Mr Brown advising that he was to instruct his solicitors to commence legal action, not against myself, the purchaser, but against my employer, when I questioned this and reiterated that my employer had nothing to do with the purchase and that in any case, I was not an authorised purchaser and furthermore no purchase order was generated by the company, this was ignored. On 21st October a letter before action was issued to my employer. I have repeatedly sent proof of initial payment (screen shot of online banking statement) and advised again and again that this was a personal purchase, but the company continued to proceed and finally made direct contact with my employer where they forwarded all emails and correspondence from myself and made a demand for payment, threatening legal action through the county court. On 28th October, I received a phone call from my employers CEO, who was understandably, very angry, demanding to know why I had ordered data under the company’s name – I clearly explained I hadn’t and that it was a personal purchase, in his anger he demanded that I had 15 minutes to get rid of my employers liability or I would be asked for my resignation. Clearly, only being 3 months into my employment and totally taken back by the whole situation, I called Mr Brown, under the supervision of a member of senior management and paid another £948.00 by debit card, I also reminded Mr Brown that I didn’t have the data and that it had been deleted. To additionally clarify, there are no terms and conditions at point of purchase on the website at all, or on the invoice. My questions here are: • I do not want to continue with this purchase – my experience has been appalling • I have suffered great defamation of character at work and loss of trust and respect from my employers/colleagues • My personal affairs/information/purchases – my data – have been shared with my employer without my authority. Ultimately, I want my money back and the purchase cancelled – I am now £1,896.00 out of pocket, with nothing to show for it apart from a damaged reputation and my employment at risk.
  12. Hi All I wonder if you can help? I am looking to send complaints to the following PDL companies for unfair treatment, irresponsible lending and other poor practices but cannot find the details to send them to. Anyone know the email addresses? Minicredit CFO Lending (the major one) Wagedayadvance txtloan poundstillpayday Provident moneyinadvance Thanks in advance
  13. I am hoping someone with a similar experience can help. This morning I was about to park behind a parked vehicle and did not stop in time causing my bumper to be quite severely bashed in and the front parking sensors have gone funny but the other vehicle just suffered scratches. Anyway, contacted Hastings and gave all the details and explained the incident and the lady I spoked to (Lauren) was polite and helpful. In the end, she told me Albany Assistance will find me a local garage who handle all the repair work which I thought at the time was good. Anyway, I was put through to them and after the formalities, I was told the "local" garage was 25 miles away. I explained the journey there would be at least 40 minutes on a good day and more if there is traffic so hardly "local". Also, I need to drive the vehicle there just for an estimate which is a good hour and a half journey there and back. But i was told that is the closest approved garage to me and when the car comes in for the work, I will be provided a courtesy car so the journey back will be fine. (After reading about the courtesy car issues here, it does not sound that attractive at all.) Anyway, I then googled the garage and it is a Vauxhall garage who is going to handle my Volkswagen Golf. So I called Albany back to ask can i not use a local garage of my choice and one who has more experience with VW. They said, they can cancel this job now, and I should call Hastings back to explain that I would like to use a more local garage so I did. Unfortunately it was about 1pm and Hastings do not think people need to make a claim on a Saturday afternoon because their offices had already closed. Sorry for rambling on, but the question is, I will now need to wait until Monday before I can talk to anyone at Hastings about it so is it likely they will insist on using Albany or can I choose my local VW dealer which is 5 minutes drive away or even a local independent German car specialist which is 2 minutes WALK away rather than a Vauxhall workshop 25 miles away. Does the fact I turned down Albany now delay my car getting fixed anytime soon? And will Hastings 'persuade' me to stick with Albany by incurring fees and hoops to jump through? Any help or words of comfort is much appreciated, I just don't want to stress too much over the weekend. Thank you.
  14. Good afternoon, I have been tagged at the MOTO Birch West services from 05/05/15 12:02 to 05/05/15 14:54. The letter states that the 'free parking period' is 2 hours, of which i extended from this. This has never happened to me before and i was totally unaware this was even possible, especially when spending money within the establishment. I had arranged a business meeting at the services, bought 3 coffees in total (which i have receipts for) and stayed for the duration in a business meeting. Total fine: £60... extending to £100 if not paid within 28 days. For me, i had absolutely no idea there were charges applicable and if i had seen signage, this would not have been a problem to pay as it would have gone on my expenses for work. I find this absolutely disgraceful that this has now extended to my personal finance and would appreciate all support in hitting back at these bullies. Any other details required, please let me know. Regards
  15. I really need advice please: I went to court end last month: Last yr laptop repairman took my laptop to quote on repairing broken screen, brought back the next day with much damage to hinge area etc, he denied it so I took him to court. There he admitted fault, but I lost the case. All my evidence was correct, half of which I sent to court was lost by court including quote I obtained, judge had no idea about costs of repairing computers, many court mistakes especially including the fact I lost the case. I asked for appeal, it was denied by same judge. Now I need to solve this, so far all I have is vague suggestion to write letter of complaint to said court, or solicitors @ £500.00 per consultation alone. Thanks for all you can do. Sorry it's rather urgent due to court complaint policy.
  16. Afternoon all having been a long time lurker on this forum I thought I'd post and ask for some of you experts on here to give some advice on a situation with K & Co (Shop Direct). The background to the situation is as follows. My mother in law opened an account with Great Universal some 20 years ago. They have now changed to K & Co and are part of the Shop Direct Group as you are all aware. The problem arose when a customer of my MIL (in fact my Sister in law) ordered a number of items on BNPL one of which was a note book computer type thing. My SIL states that the notebook was fully paid for within the interest free period, but despite this K&Co applied the full interest amount to the account balance (which i note from the statements I have they seem to do as a matter of course one month before they state the interest will be applied). This caused a dispute and my SIL refused to pay the interest amount therefore the minimum payments made were lower than K&CO requested on their statements. This started in April Last year. My SIL bless her has endeavoured to sort it out through telephone calls (eek!) to K&Co "Customer Excellence" and has as you can imagine been fobbed off at every pass. She has written to K&Co numerous times about this dispute and eventually escalated the compliant to the FO who were next to useless but in fairness having seen the letters I do not think enough info was provided by my SIL or enough evidence to back up her claim. As the minimum payments have been lower than requested my MIL has accrued a number of charges on her account. My MIL's position is that as my SIL was her "customer" and K&Co were fully aware of that fact then they should be pursuing my SIL for the notebook not my MIL. K&Co however deny all knowledge of my SIL as a customer of my MIL and therefore state that my MIL is liable for the entire debt. No-one is denying that money is owed, they simply dispute the amount and the validity of charges imposed when K&Co were fully aware that the balance amount was disputed. The matter has now been referred to NDR and my MIL has panicked and asked me to look into it. I have told her that NDR are just a trading company of Shop Direct and I have written to NDR (cc K&Co) explaining that my MIL will not be speaking to them on the telephone as the account is in dispute and that no payment arrangement other than the one currently in place (£84.00 pm) will be entered into until the dispute is resolved. Therefore my questions are: 1. K&Co final decision letter was written on 30 June last year. Can we still CCA and SAR them? 2. Is it worth sending a CCA as there obviously is an agreement in place (goods ordered/received etc) or is it best to go straight to SAR? 3. Does the fact that the FO was involved mean that no further action can be taken? FO involvement ended abruptly in Nov/Dec last year when MIL and SIL fell out over this. Any suggestions very much appreciated!
  17. Hi Everyone, My family and I would really appreciate any assistance/advice re the local council and bailiffs I think they've enlisted. Feeling very demoralized, no matter which way I approach the local authority, the result is the same. .. the continuation of their policies and my experience of complete helplessness. Hope I can receive some guidance in this matter
  18. Hi all, Don't go there but I have, again, got myself into a situation. Long and short I owe Uncle Buck £742.23. I emailed them over a week before it was due that due to devastating personal change in circumstances I cannot pay and I offered £40 a month. Very slow to respond to emails and was told, on the Wednesday that an I & E form would be sent via email. It turned up Friday, the day the loan was due to be paid (25th April). But they are asking for too much and seems very intrusive. The I & E form is very long with Excel tabs outlining every area of life! Here is the email: "Please complete the attached income and expenditure in full to enable us to determine what is a fair and reasonable repayment plan for you to repay your current outstanding debt. When you return your income and expenditure form you also need to provide 2 further proof documents: If your are in receipt of any benefits, a recent letter that confirms the type of benefit, the amount and how often you receive the payments and a complete bank statement dated within the last 3 months, showing receipt of your income and general expenses. If you are employed, wage slips to cover one month dated with the last 2 months and a complete bank statement dated within the last 3 months, showing receipt of your income and general expenses. Please ensure you return your completed income and expenditure and proof documents by the 29/04/2014. If you have any questions or need any other help, please call us on 01959 583979. We are available from 8am to 6pm Monday to Friday." I have major issues with sending any of this really. Can anyone tell me where I stand and the best way to progress? Thank you, Swanleyboy
  19. Hello Is there any direct representetive on here from EE ? I have a continuing issue with mthe billing and reception aspect with my contract AG
  20. I am a member of an organisation which is a Limited Company registered as a mutual society. We had a visit two weeks ago(26 March) from a Marstons employee, informing us that he had a High Court Writ to seize goods and collect payment for a Supplier. We have an ongoing dispute with the supplier regarding their breach of contract - and increase in fees after their takeover of a company we had previously dealt with.They said the Consumer Credit Agreement still stood! - they themselves terminated the contract, issued a default notice under the CCA 1974, in the sum of £395.11 obtained a default judgement in the sum of £2958 plus costs and then escalated via Marstons to the High Court. We had no paperwork at all from the Courts, suppliers or Marstons about this and had no knowledge until the HCEO arrived. (I have since obtained this from the Courts) We refused him entry to the premises (commercial) it was 7pm in the evening and I was brought down to the premises after a phone call saying someone was on the premises. I told him I was paying nothing until I had evidence from the courts ( he wouldn't show me the writ) but handed me a prescribed form 55 with two items listed saying he had seized the goods. He didn't execute his levy correctly as the WPA was not signed. The next morning I emailed Marstons, the supplier telling them that they were in breach because a debt cannot be enforced in the High Court if it originates from a Credit Agreement (I think I'm right here) We heard nothing until Monday last week, with a WPA attached to a letter from marstongroup saying we had 48 hours to sign and return, this was not done. Meanwhile, I compiled all the information with an N244 with a witness statement and supporting documentation, and obtained the procedures from both the High Court and County Court of what to do. Today another officer from Marstons arrived with the new set of Controlled goods forms and entered through an open door and took an inventory of the small amount of assets we had. This was scribble signed by me. He then wanted me to pay the full amount to stop him seizing goods. I said we would pay only the amount of the Default Notice, not the CCJ and had filed the forms with the courts and were awaiting them back. He rang his office who stated they wanted half of the now £3600 debt immediately in cash, or I could get friends to use their debit/credit cards!!!!!!I said no and after an hour or two stand off, he agreed to the £395 payment with a verbal agreement (recorded by him of course) to which I'm made clear a monthly payment would be made commencing 28 days later, on the understanding that it would be paid only pending the stay being granted by the court. I went to the court this afternoon, it was closed until 10am tomorrow! any advice on what to say or do next please! is it a case of waiting for the judge to decide on the stay! Apologies for the length of this.
  21. Hello, Firstly thank you to those that are able and willing to advise. I sent an SAR on behalf of my Grandma just as a stab in the dark (on her request may I add ) to see if she could be entitled to any PPI on her borrowings over the years. Despite my SAR requesting copies of all Data held in relation to all dealings and accounts relating to Granny in all formats, all that they sent back were Loan Statements showing only the 'Payment Received - thank you' and 'interest charged' entries. I'm looking at these now thinking how much use these documents are without the actual agreements, which is what I expected would have been sent out, along with her current account 'ins and outs'. Interestingly, on the 2nd, 3rd and 4th Loan Statements (in chronological order of the loan provide date) the final entry on these statements says "Rebate of Loan Protection Insurance - NIL" Why would this show on the Loan Statement if PPI was not added to the loan because it doesn't appear on the 1st, 5th and 6th Loan Statements? On each of the Loan Statements, there's a sentence in the small print saying "Any fees payable under your loan agreement are added to your current account". Does this mean they may have charged PPI but they will try and bury the charges in the current account and out of sight of the Loan Statements? Looking for assistance in next steps please, certainly in relation to the above but also if you could advise whether I need to go back to them with another cheque for ten pounds for them to send me the agreements? Many thanks in advance, Jamie
  22. I am posting this on behalf of a relative who has received two Claim Forms out of Northampton (CCBC) County Court. Both are for debts originally with HSBC a) Credit Card (1***.** and b) Bank Loan (1****.**). Both Particulars of Claim are basically the same except the Credit Card uses the wording 'a regulated agreement' whereas the Bank Loan uses the wording 'a loan agreement'. Both say that a Notice of Assignment has been provided to the defendant with a date on the Bank Loan one but on the Credit Card one there is no date. Also that a Default Notice has been served on the defendant (no dates given on either) Finishes with wording that The complainant has complied as far as is necessary with the Pre-Action Conduct Practice Direction. Claim Forms are both dated 29th April 2013. Both claim forms were acknowledged with intention to defend all the claim and asking for the extra 14 days. A letter has been sent for each claim asking under CPR 31.14 for the disclosure and the production of a verified and legible copy of the document(s) mentioned in your Particulars of Claim: 1. The agreement. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached. 2. The assignment 3. The default notice 4. A statement of account showing how the amount claimed has been reached. These letters were sent by Special Delivery and were received and signed for on 7th May by MKDP LLP. In addition to this a SAR was sent to HSBC again by Special Delivery and was received also on 7th May. My relative states that they have not received any notice of assignment or default notice for either of the debts. In addition they also believe that they have not made a payment or acknowledged the debt for the 6 years prior to the issue of the Claim forms (but is close) To date they have received no acknowledgement from MKDP LLP. What is our next step please? Do we now send N244 and also should we also have sent a SAR to MKDP LLP
  23. Hello! After several weeks of reading threads and really useful posts on here and other forums I am almost ready to submit a claim to Lloyds for the PPI I paid on several loans from them. Before I do this, I would like to be able to calculate how much I ought to be expecting them to offer me as a refund and have tied my brain in knots trying to do the sums. I wonder if someone on here might be able to assist me please? There are 4 loans in total which all had single premium PPI on them. One was a standalone loan which I took out, paid back at the set rate and then paid off early. The other three ran consecutively and were refinanced. All loans were through Lloyds and each loan was paid off automatically as I refinanced them. 1. LOAN 1: Loan was £10,000.00 (£11,397.60 after interest) PPI was £1,332.72 (£1,518.84 after interest) 36 month term. Settled after 26 months. 8.7% APR The loan was paid off early and for which I received NO rebate for the PPI. Therefore I would imagine that I paid the full PPI amount plus interest when I settled the loan and therefore should expect to receive the total cost of the PPI plus the interest that was added onto it (£1,518.84 + 8%)? 2. The other three loans were consecutive loans that were refinanced to put a little more cash in my pocket each time. This is where I get confused about exactly how much PPI I paid. Below are the loan amounts followed in brackets by the "after interest" figure. Underneath each loan is the PPI amount that would have been charged if I kept the loan for the full term. LOAN 2: Loan was £7,500 (£8,238.24 after interest) PPI was £668.62 (£734.40 after interest) 36 month term. Settled after 10 months. 6.2% APR PPI Rebate: £321.58 Settlement figure at close: £5,867.62 LOAN 3: Loan was £12,261.24 (£14,065.92 after interest) £5,867.62 paid off old loan. £6,393.62 in my pocket PPI was £2,193.67 (£2,516.64 after interest) 48 month term. Settled after 15 months. 6.9% APR PPI Rebate: £912.31 Settlement figure at close: £9,555.86 LOAN 4: Loan was £13,612.56 (£17,233.20 after interest) £9,555.86 paid off old loan. £4,056.70 in my pocket PPI was £3,625.39 (£4,551.00 after interest) 60 month term. Settled after 13 months. 9.7% APR PPI Rebate: £2,227.04 Settlement figure at close: £12,085.41 I would also be grateful for any pointers regarding the letter I should send to the bank. Specifically in terms of how I should word my grounds for complaining. After all, I signed up to the PPI loans and cannot recall what (if anything) was discussed but would presume I signed the paperwork. I know that hearsay complaints are being rejected so I would be keen to hear suggestions about how to best word the letter. Do I only need to mention the magic words "single premium policy" to get a refund or will I need to argue my case in more detail as to WHY the single premium is unacceptable to me? Many thanks to all who read this and for any assistance you can give!
  24. Hi guys & gals, found this website and thought / hoped some-one on here may be able to help. It’s a bit of a long story so I’ll give you the initial outline and then I’ve done a bullet point list to help more clearly display what has happened to date over the last 4 years. In 2005 I took out an unsecured loan (I’ll keep company anonymous in attempt not to give too much detail away) I made regular repayments on the account with the last payment being made on 26th May, 2008. However, following a credit check in 2010 I discovered an outstanding balance still showing as in default in respect of this loan. Story begins......... · 18.02.2010 Called loan company (LC) I advised that I understood the loan had been completely re-paid and settled for a long period. That I had not received any correspondence from LC or a 3rd party organisation advising me to the contrary. LC advised there was a balance of over £4,000 showing as outstanding on their system and this was on verge of being passed to a 3rd party. He confirmed that no regular statements / chasers had been sent however he did believe it was company policy to send an annual statement. I responded by confirming that no annual statement had been received. He lastly confirmed that the “Account was charge off. The loan had expired and interest had been frozen since 30 April, 2008.” · 10.05.2012 Letter from LC advising that loan was being transferred to Britannia recoveries S.a.r.l. and will be managed by Arrow Global Receivables Management Limited (AG) w.e.f. 21.05.2012 · 14.05.2012 Letter from (AG) confirming Notice of Assignment. · 07.08.2012 Letter from (AG) – Annual Statement. · 15.10.2012 Letter from Rossendales Collect (RC) – trying to establish if I lived at the address they had written to. · 05.11.2012 Letter from (RC) advising since they had no response to previous letter, further action may be taken and debt will be pursued. · 26.11.2012 Letter from (RC) intending to recover debt immediately. · 28.12.2012 I sent Royal Mail recorded / signed for letter to (LC) asking for full copies of all contract which they believe existed. List of transactions and statements. Copies of documents etc. etc. Letter received by (CF) 31.12.2012. · 07.03.2013 Letter from Transcom Worldwide (UK) Limited (TW) on behalf of (AG) chasing payment of balance. · 15.05.2013 Letter from (AG) confirming Notice of Assignment from Britannica Recoveries S.a.r.l. · 13.12.2013 Letter From Akinikia Debt Recovery Limited (ADR) – trying to establish if I lived at the address they had written to. · 23.12.2013 Letter from (AG) advising management of account has been transferred to Akinika Debt Recovery Limited (ADR) · 30.12.2013 Letter from (ADR) confirming their appointment, their intention to recover the outstanding debt and their further intention to arrange for a Doorstep Collector to visit my home to confirm liability of the “overdue balance”. This is where the story ends... for now. Should I respond to any of these debt collection companies by phone, in writing, or perhaps I should just continue to ignore them. I understand the debt becomes statue 6 years after the last payment had been made (unless person in debt had accepted liability for the outstanding debt in writing - of which I have not done) Pretty sure these debt collection companies have no powers (as a Baliff would have) but the threat of sending some-one around to my house has now got me a little concerned. Sorry for the long posting and if I need to explain anything clearer please let me know. Yours faithfully
  25. Hello everyone, I'll start this from the beginning: In February 2012 I went away in Kenya for two months with work where I had no internet/mobile phone access of any sort. In the March while I was away I missed the final payment of my car insurance with Premium Choice. I'm not entirely sure how that happened and hold my hands up to having to pay it. I was currently paying around £30 a month for my car insurance. What is interesting to note about this is that there was no physical correspondence sent from Premium Choice about this failure to pay - when I returned home I had no letters from them saying I'd missed a payment. I returned back to the UK at the end of April and as I said above there were no letters from Premium Choice so I didn't think anything was wrong. From May 2012 until around March this year I've been getting periodic letters from Icon Collections saying that I was in debt with Premium Choice who have now sold my debt and Icon want a whopping £159.36 from me. At this point I was a little confused as to how I owed Premium Choice this money because as far as I knew my annual insurance with them ended in March. I emailed them and received a very polite response from them saying that pretty much they tried charging me in the March but for whatever reason it didn't go through so they tried again in April and the same occurred. Due to the fact I was in Kenya I had no idea this was going on so this couldn't have been nipped in the bud when it first happened. In the email from Premium Choice they also said that the matter was out of their hands now as they've sold my debt (which to them, with additional charges they put on was something like £61. Icon also emailed me at one point and I emailed them back and informed them that I was willing to pay the actual amount I owed Premium Choice but they could (politely) shove it if they thought I was going to buckle and give them an extra £100 just because they said so. I received no response to this email. In March this year I went off to Afghanistan for 6 months and while out there I got another email from them (along with a bunch of letters at home which I obviously didn't read. I don't want to think about the number of times they rang my mobile as it was switched off at home). The second email they sent was rather generic and said they were still collecting the £159.36 and that was it. I replied to their email saying that could they continue any correspondence via email because I was unable to answer my phone/read their letters because I was abroad, and that once again I was willing to pay the actual amount owed and not the fantasy number they have apparently made up. I received no response to this email, again. Fast forward to today and I got a letter from Icon saying the following: I'm getting sick of this now. On two occasions via email I've offered to pay back the amount I actually owe (in the region of £60) but I wasn't going to let them slap an extra £100 on top for giggles. They haven't responded to these offers at all. What would my next move be as I have no intention of letting them rip me off. I know that I do actually owe them (or rather, owed Premium Choice) some money but surely they have no legal right to just add arbitrary amounts to a debt? Thanks in advance, - CableDolt
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