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Found 6 results

  1. 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.
  2. Hi everyone. Need some a little bit of help. Got a letter from westcot, saying my account with them had been fully paid, and was now closed. And to stop making more payments to them. Also it said the balance was: minus £303. Phoned them up as I thought there was more to pay on this, and the lovely lady, after putting me on hold for a while, explained that the originator of the debt had informed them it had been paid, then retract that message later. She would contact them, to get an explanation. But there was still £1400 owing. Where does this leave me? I have a letter saying the debt is cleared. Can they comeback and say "oops, mistake, keep paying" or is the letter legally enforceable? In the eyes of the law, is the debt now clear? Thanks doomsponge
  3. Probably not the right place for this.. however... Health professionals for years have said that Butter is bad for us - Dairy farmers cut back on their herds and/or went out of business whilst consumers turned their attention to low fat spreads or margarine. Now... Meanwhile, thanks to the scaremongering - small dairy farmers have gone out of business and the Consumer is now forced to pay higher prices for not only the raw product - but anything that contains it !
  4. I have been contacted today by shoosmiths to repay a mortgage shortfall. In 2008 they began repossession of my home at the begining of the case i owed £71,000 to HSBC and £7,000 to EPF (EPF was acquired by HSBC after i had taken out the loan). So total owing was £78,000. The property was sold at just over £82,000 in 2010 under the mortgage rescue scheme. Shoosmiths are asking me to repay a "Mortgage Shortfall" of £8,000 This is not a shortfall, it is court costs (which i have asked for a breakdown of on many occasions and not received) I believe that calling this a shortfall is fraud they would have only six years to claim court costs by calling it a shortfall they have increased that to 12 years. I know that there is a clause in the contract allowing them to add costs to the mortgage but surely this clause must be unfair if it only allows an act which would otherwise be unlawful. I am currently unemployed so they have no chance of getting it anyway. I would like to stop them calling this a shortfall. They also spent 6 months arguing (HSBC and EPF which by this time part of HSBC) who was going to show this so called shortfall. charging more interest whilst they did it. I have to reply in 14 days any views or ideas
  5. Ok all Have been assisting a friend with this. DWP Debt Centre contacted friend in Dec 2012 stating old social fund load hasn't been paid repay debt. They repaid this debt some 5yrs ago and obviously after such a length of time doesn't have all the paperwork but does have some and 3 letters from DWP stating thank you for payment of £XXX. Now the classic DWP state they mean nothing as DWP own thank you for payment letter isn't a receipt. Gets better one of the letter they have from 5yrs ago matches exactly the recent letter to pay the same debt but from a totally different debt management centre. So what has been done so far: 1. Tier 1 Complant letter sent to DWP Debt Management Centre with copies of previous document and receipts from 5yrs ago asking for full investigation, breakdown of debt amounts and copies of all letters. Note the letter was signed for by them on 27th Jan 2013 (royal mail electronic proof). 2. Friend recently contacted DWP demanding why complaint not responded to and was informed initially not received until pointed out electronic proof signed for. Suddenly admit they have complaint but over 3 months backlog. During conversation it ends up the reason they cannot find debt on system is because it on there old computer system not linked to new system and will look into it and get back to them. DWP contact friend and now insist it is correct and the debt is now for some other imaginary loan must pay and will respond as per complaint. 3. Today friend receives info from DWP or complete lack of info all they received was a) Letter stating amount to pay with no breakdown. b) Payment forms. Now please bear in mind this was a Tier 1 Formal Complaint which they have failed to respond to except what was received today. My thought are. 1. To send another letter now demanding that initial Tier 1 complaint received and signed for by them on 27th Jan 2013 that they have failed to respond to is now dealt with as a Tier 2 complaint and that DWP has also breached its own Debt Management Contact Centre Customer Service Standard. 2. Also sending a Subject Access Request with above letter. These DWP PDFs may be of use to others: What are your opinions
  6. Hi Folks Need some advice please. Recently had some work done by an electrician, queried the bill as soon as it arrived and asked for a breakdown of materials. Was not happy as materials were twice verbaly quoted BUT sent cheque for full amount with a polite letter of displeasure. Cheque was sent within the 28 days terms of payment and recieved inside that time by trader and cashed by trader after 31 days of invoice. So today get letter from debt collectors saying I owe 200 odd quid to settle debt to trader. He has obviously done this out of spite, how do I proceed ? I have asked my bank for a copy of the cashed cheque and I know I have to respond to the debt collectors. Thanks Croc
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