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About Me


Found 10 results

  1. Hello all, I have recently been awarded a judgement by the FOS against an FCA regulated company for not providing a service I had paid for. The company in question now wants to pay the award in monthly installments. They initially offered to repay over 3 years. I rejected that outright because it's far too long, and the Ombudsman will not get involved if I agree to a payment scheme and the company fail to pay. Now the company has offered a new repayment plan to repay in 12 months. This is far more attractive as they claim they cannot pay it all in one go but based on past
  2. I bought an item from Etsy about a month ago and since I have been going back and forth with the seller because it never showed up. They showed me a proof of postage with my postcode that they had generated from the post office (no tracking) and this sufficed for them to win the non delivery case. The seller and Etsy are telling me it is my responsibility since they can show they shipped it. I am new to Etsy but this is a stark contrast to eBay who hold the seller responsible until they can show proof of delivery. I do not know what to do but file a chargeback which I am f
  3. Feb 2016 a purchase was made following a telephone call to the seller for advice and to confirm the correct parts were ordered for my vehicle registration on eBay with PayPal for £289.97. Shortly after fitting the clutch, it failed. The seller refused a refund or to cover mechanics costs, instead charged me to return the kit for warranty replacement. The replacement parts actually consisted of one new flywheel and other used parts with visible contamination rendering them unusable in several mechanics views, and missing all fitting bolts. The seller told me to get bolts and he would refu
  4. Hi , I am writing this on behalf of a friend. Original CCA request to M&S in early 2013, not complied with and an application form received , ( and more card 2004. ) This was passed to First Credit, my friend had housing issues so did not become aware of the correspondence from them until a claim form from Northampton. I helped her with the defence, no CCA. I spoke to the legal dept at First Credit as friend received another copy of the Application form, and they say they have now complied with the CCA. The 'Lawyer' from first Credit said they b
  5. Simple really, Ombudesman has made adjudication in my favout and part of that is for Scottish Power to cough up £100 and an apology within 28 days. they have failed to do so so I am now wondering about my next step, go back to Ombudsman for determination (equivalent of court order) or go after them myself. awaiting copy of credit file from 1 of the CRA's nothing on the others though but they were threatening to report a debt. It stems from them getting their customer files confused and sending bills to wrong house so for the DAY I was their customer I havent had a bill buy they wanted hundre
  6. After over 12 months, the court hearing between Lowell Portfolio 1 and myself has been found in there favour of the DCA, although rarely posting on here I have found in the past that DCA are normally unsuccessful in the court and use court action is used as a threat as the DCA. From the issue of court papers which was to incorrect with the usual lack of information set out, to CCA and CPA requests which was sent finally sent 2 days before the court date 8 months after requested, I followed the procedure as recommended by others who have been successful but the
  7. I recently purchased a giant fish tank from eBay. It was advertised as fully functional and the complete set up. I inspected the item before purchasing and it looked OK. Got it home and paid a professional firm to deliver it in one piece. Although it is a beautiful tank it is not functional. When I took the filter to the fish shop, they opened it up and found it was so dirty and worn it would not function. All our fish died. It was advertised with a heater but none arrived. eBay said because I inspected before purchase I have no case. The faults are not visible
  8. Hi everyone, I have some question regarding child tax credit (CTC) and would be most grateful if you could help. Going back to oct 2013, I appealed against a decision where HMRC didn't pay the disability elements of our child's tax credit for 1 full year during oct 12/oct 13. My child at the time was on high rate care and mobility. After a lengthy battle, my appeal has been accepted my the tribunal judge in my favour. It was my first time at the tribunal, so I was extremely nervous. In fact I was that nervous, I forgot to ask what happens after the appeal. This is wh
  9. Hi there, First time posting here but looking for some advice if at all possible. I've been successful with a number of claims and I've had a claim outstanding with the ombudsman for a while. The background to the story was I found a letter telling me I had PPI on a mortgage I held with the Clydesdale Bank, Initially I wrote directly to the bank who told me they looked at my claim and while I did have a PPI policy it was not mis-sold. I disagreed with this and wrote to the ombudsman for a ruling. I received a response after 8-9 months saying they had reviewed the case and had decided
  10. Hi I phoned ESA on Monday to see if I would be receiving my payment today and whilst on the phone asked if they could tell me about results of medical and operator said the decision has gone in your favour. Had letter today failed medical zero points so phoned them again call centre had no record of sending me a failed letter out and took details for them to contact me back and no decision has been made. What is going on with these people I even asked him again "so the decision has gone in my favour" he said "yes the system has not updated yet and your file is with the payments sect
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