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  1. I would be grateful if anyone can help me with this please. I joined RAC breakdown cover in December. I have not used the service at all and hope to never need it, but it is there just in case. Other than the initial confirmation email and card arriving by post, that was that. Until 3 weeks ago when I started getting several emails from RAC and others in connection with the RAC, ie FeFoo who were doing a survey on behalf of the RAC. I never gave RAC permission to annoy me with emails and certainly never consented to them giving my email address to 3rd parties such as FeFoo.
  2. Dont know if this is the correct section: We have a 13 year old boiler and have paid Boiler care cover for 11 years which also covered pipes, electrics etc... Basically their top cover. Over the past year we have had boiler failures around 4 times and its usually the odd filter, pump etc... although 4 months ago they changed the circuit board. They did advise during the last visit that we would really need a system flush at over £500 but we thought this was steep so didnt get that done but at the same time not advised that failing to get that done could cause damage that would
  3. Just to let people know about the trouble I have had with budget insurance. I took out van insurance with them in May this year, as well as the insurance I took out break down cover. This month I had purchased a new van , when I tried changing the insurance over to my new van Budget wanted to double my premiums even thou through an online comparison site they were quoting £20 cheaper than I was paying. When I queried this they said that was for new customers and not for existing customers and they would not budge. I decided to cancel the insurance and has to pay £50 cancellati
  4. Hi Peepz Firstly, new to this forum so Hello to all. I need some help & advise. I had my daughter tablet, a nexus 7 2nd gen 32gb covered for accidental damage for the past 4 years. Last week she put on the side of the bath to use the toilet and it fell into the bath which her mom had just ran for her, She is only 6. It caused the tablet to become water damaged, nowhere on the knowhow's policy does it state anything about water damage. What is more annoying is that it is called whatever happens & they state "mishaps & accidents do happen" but when I u
  5. Hi Again I come to get great information and help. I was with PayPlan Plus for about 5 years, paying £22+ per month for payment protection. My questions are ... 1 ... Can I claim Payment Protection from a Debt Management Company even though it was a free plan 2 ... Can you advise of the address of payplan as i have since emigrated and no longer have anything from them 3 ... If successful They are not allowed to pass this on as a split to the creditors are they Many thanks for your help again. Very much appreciated especially as I no longer reside in the UK. Grumpy
  6. Just needed some advice please . I took out breakdown cover in july on the go compare website . It was £27 with max 4 call outs. In august i had a flat battery at my home called them they came out and jump started me everything sorted drove and got a new battery , no problem . Today i get an invoice for £ 30 saying that there is an excess on every call out and i should of seen it on the go compare website . I read all documents sent to me , and it does not mention £30 excess on them , also the lady i spoke to when i needed them never once mentioned there would be an excess c
  7. hello i have a cover for my kitchen electric goods my dryer stopped working on 2/10/17 i rang to report this and book a repair this was then booked for the 10/10 repairman said he would have to order the part, came on the 12/10 and fetched wrong part and would contact me when part becomes available, i did not hear from them again so i rang D n G back up on 25/10 said they would replace product and be in touch within 24 hours ive not heard from them, ive tried to ring them but left for over half hour on phone. a month without a dryer, can i cancel my cover. its a rolling cover
  8. I bought a car from stoneacre in 2014, i have 3 year warranty with vauxhall until september this year. My engine has failed on the motorway with no warning at all. We have had the car serviced and the book is stamped. However we lost our invoice, the garage cannot provide an invoice due to not having it on their computer system. genuine parts and oil was used. Now vauxhall are telling me that the engine wont be repaired under warranty due to not having an invoice however the book is stamped. can anybody advise me on what to do? thanks
  9. Hi I have a claim with a legal cover insurance for a car accident that happen in 2015. This is covered under my house insurance, so it is no no win no fee claim. They have sent me to a doctor. He created a report that was wrong since the beginning. I have object to it but the insurance insist it would not make a difference to my claim. Then the doctor send me for MRI scan for my shoulder that I had issues with since the accident. He came back to say " in his opinion after looking at the MRI scan, the issue with his shoulder, joint to hand, is degenerative and is been brought forwards
  10. I rang the GP surgery due to having problems with the online booking system, this particular bad mannered receptionist talked down to me in a demeaming manner, telling me to use the online booking system at 7.45am in the morning. I tell her the online booking system is showing the next 3 weeks as not available to book an appointment and question her why? Her response to use it 7.45am in the morning or ring for an appointment at 8am. I tell her I can't because I'm travelling to work that time, she responds thats the only option and she gets more and more agressive during the call, like she's on
  11. Hi Cagger's I know I've been very dumb I know it, anyway I bought something from Bright house last year and I was told if I did not have contents insurance I would have to take out the OSC. In fact I was dumb again the same year and bought something else and was told exactly the same thing. It is my intention to pay these items off and no longer use bright house. but I have since learnt that you can cancell the OSC at any time and I have already drafted a letter using a template from this site. However, I am reading conflicting information about getting a refund for the OSC
  12. Really need some advice on the best course of action here, here's a summary of what's happened. Taking it from the start: I bought my vehicle back in April, a Ford Fiesta, 14 reg. It is covered by the manufacturer's warranty (3 years / 60,000 miles), it's just over 2 years old now and has around 40,000 miles clocked. I am the 2nd owner of the vehicle, having purchased it from a Ford Evans Halshaw dealership. The vehicle was serviced at that same dealership in August, with everything stated as being in good condition. 2 weeks ago now, travelling down the A1,
  13. ive taken on this for my mother. Long and short of the query is she took out cover for a dishwasher to be fixed with D and G. - D and G agreed to take over the appliance which is over 12 years old if they could fix. - came out twice last year, first visit asked for some plumbing to be done, second visit a fix was done but to unsatisfactory standards. - the appliance still leaks and the door was fitted back on incorrectly. - i stopped the direct debit due to the poor work and asked for it to be written off due to poor service - since then we are getting alot of chasing letter
  14. Firstly, Had an 'ECO' grant towards the cost of solid wall insulation all taken care of by Energycare Group of Haynes. http://www.energycaregroupltd.co.uk/about Surveyor came and said it would take a 2 weeks or less in Nov 2013. Work was completed in March 2014 after 50 calls to them. I was told by the surveyor and installers there was a SWIGA (Solid Wall Installation Guarantee Agency). The quality of work was very poor and they had to come back numerous times and caused damage to the property. Due to sight problems in the winter light I relied on their super
  15. As this is now included as a forced, non optional add-on, has anyone been able to reclaim it and how can you find out what proportion of a payment is "insurance"? i unfortunately use brighthouse atm and have also used them back when it was crazy georges so i potentially have a sizeable reclaim to work on.
  16. I signed up for a year of cover on a washer dryer and have just found out that they have been taking the payments since 2011 without me realising or indeed authorising it. I spoke to them and they were incredibly unhelpful - a rude and arrogant woman on the phone who said that they were not regulated by anyone and fundamentally they could do what they liked. They claim to have been sending me renewal notices each year which I have not received - I moved property so cannot verify this. Their main line of defence is that when they sent the first renewal letter it said that unless
  17. Took out a British Gas homecare agreement a few months back and paid a £99 initial call out charge where they come out and inspect/fix your boiler and then you pay £22 a month for a minimum of 12 months. If they don't want to take on a boiler they reserve the right to not take on the agreement after the initial inspection. They took on my boiler and 4 months down the boiler has broken down again. The engineer came out today and advised that the boiler is not worth throwing more money at and cancelled my agreement. When I spoke with British Gas they said that the Ferr
  18. I was in a legal dispute with a University over a discrimination issue. It was concluded by Consent of Order and I was awarded damages, but without admission of liability by the University. In the Order it stated the matter against the Defendant was concluded. I have a couple of queries... 1) Could I bring a claim against a couple of individuals from the University - as my previous claim was against the University, not individuals. I am not looking for financial award just a declaration of victimisation. All documentation and Court papers has
  19. I work 3 hrs every other Saturday on the counter in a pharmacy. The week I work Saturday I take the time off another day so that I am still working my contracted hours in that week. If I book holidays on a week that I am due to work the Saturday, I am expected to arrange my own cover with the other person who also does the Saturday and vice versa. As I am not expected to arrange cover Mon-Fri when on holiday I want to know is this allowed?
  20. Hi all. A very good friend of mine has had to resign from his job at the local council department (planning) due to the extreme stress he was put under. He raised this isuue many times with the department running up to his resignation but they did not offer any help at all. My question is if he were to send them an SAR, would this cover internal memos/emails about him? If so, please can someone help tailor one to cover this as I only have a standard SAR letter for bank charges era from years ago. Thank you in advance for any help offered, Buel10
  21. Does anyone know how Legal Expenses cover works in general - i assume it is not for a event that has occured ? or it their a backdate time frame? .I am referring to employment issue Oddly , i looked at the documents of Policy Expert and they conspicuously make no mention of exclusions regarding employment issues (page 2) http://www.policyexpert.co.uk/wp-content/public/downloads/optional-extras/legal_expenses_and_id_theft_Keyfacts_PELEIKF1012.pdf
  22. Hi My Son has gone away for weekend, driven through a ford. Water has gone into exhaust and car cut out. He got pushed out and managed to restart engine, let it run for about 5 mins to blow any water out but suddenly The airbags have deployed and broken windscreen and hurt his arm. He will call AA in morning to get him and car home. My question is.... will his insurance cover this. He has fully comp.
  23. I don't know whether this is just another conspiracy theory, but some people believe that some recent aeroplane crashes have been caused by them being taken over by remote control devices from the ground. Apparently according to aviation experts, it is now possible to take over the control of most aircraft from the ground. I find this a little scary if true and if there was any possibility of this then it would be covered up by the airlines, aviation authorities and governments. There would be sudden reduction in the number of people booking flights, until some reassurance had
  24. Hi there, I am not new, I have another account but I have forgot my login details also in the past I have post content which was not acceptable and I have learnt from that mistake and I am very sorry and it won't happen ever again and I created a new account as I need some very urgent advice. On 5th of February, I made a complaint against my advisor at Job Centre because she keeps threating me with a sanction on my Universal Credit claim all because of my gay slogan t-shirt which has the slogan (NOBODY KNOWS I'M GAY), she said that if I keep wearing my gay t-sh
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