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About Me


Found 5 results

  1. Hello and happy new year! I have recently noticed from my bank statements that in 2011, a deposit for a flat was never paid back. It was £400 holding deposit, £50+VAT admin fee and the rest and £87+VAT referencing. The contract I have on email states non-refundable if the letting is 'frustrated', and defines that as, if credit info is withheld from the application OR if I cancel the letting. The agent actually cancelled the letting, and no referencing was carried out because I checked with the referencing agency. So I did not 'frustrate' anything and never moved in. Yet all the money was kept. I was planning on writing a letter before action for the full amount of £565(approx) plus 8% interest from 2011, and giving 2 weeks/10 working days to repay. (I went to the Property Ombudsman website and if I go through them the process looks to be much longer and more complicated). So hopefully this can all be resolved in a couple of weeks. Is this the best course of action? Thank you for reading!
  2. Hi everyone. I have read a lot of your posts and want to thank you all in advance for the contributions made on this forum. It is incredibly helpful and am grateful for what I have read already: I worked for a company in Jan 2010 - April 2011 selling vehicles. I was a trainee for Jan, Feb and March 2010 not supposed to sell cars. My shady Dealer Principle asked me to sell in March and verbally told me I would be paid in front of everybody also there. Along the way he even used my good performance to motivate the rest of the team. This was my first job ever full time under contract & handbook in a proper place. In March 2010 I outsold the team (I needed the money for my father's treatment and he KNEW this!) and when it came to March 30th he told me that there was no commission sheet for me and that I wouldn't be paid. I was so angry because I had worked 7 days a week to do the best I could. Should have been about £4900 in commission for 23 cars sold. In April 2010 I had a letter this time saying I WILL benefit from commission in writing, but it was not paid to me again. There was a complaint from a customer so the Dealer Principle said to me again that I would not be paid for the whole of April (around £4700). It is in writing in a letter! He demoted me to trainee for 3 months. In May 2010 (21st) he changed his mind and had me start selling again back to Sales Executive. I sold 9 vehicles earning £1489. This was paid to me in the June payrun. I got a letter stating the change back to Sales Executive but as of June 1st despite this payment of MAY commission being paid to me in June 2010 (on time). I wrote to them as I now know I can claim money back even at this time... and they have said in a letter that after completing an INVESTIGATION... I can only ASSUME that the payment of £1489 is for April and it was paid late in June's payrun (no payment has ever been late). And that because I was a trainee, I was not entitled to be paid for March 2010 at all. I have evidence of what I sold, who I sold it to, the letters stating I will be paid, my bank accounts, my payslips showing I did not get paid, First letter, second letter even showing the breakdown exactly of who, what and how much sold for. Do I go straight to a Letter Before Action? The last letter says "I confirm receipt of your letter dated 7 October 2015, written in response to my investigation findings. As Per my letter of 24 September 2015, it is my findings that no commission is due to you". He has basically given me a corporate hands over his ears. He didn;'t even acknowledge any of the evidence I gave in my previous letter at all and is closing the door shut despite it being a very clear case.
  3. Hi all some advice needed, last Thursday went to withdraw £350 from my local Barclays at 6am only for the machine to make lots of noise then "Thank You" and the cash draw opened and closed with no cash. The machine then displayed "out of order" so i went along to the next cash point but the £350 had been taken from my account. So at 10am i went into the branch and noticed the cash point was still out of order the cashier told me there was indeed a problem with the cashpoint and the withdrawal should right itself overnight it was not there in the morning so went back in only to be told i should contact my own bank. On doing this i had to answer lots of questions and was then told it would take up to 2 weeks to resolve the matter as they had to contact Barclays and wait for them to reply. Now £350 may be nothing to some but this was my weeks wages and i have bills to pay and shopping to get in my bank say they have to wait for Barclays and Barclays are saying they have to purge ? the cashpoint no one seems to care i have been left with nothing what can i do
  4. Jessica Gorst-Williams helps a reader who received 'threatening messages' from debt collectors acting for eBay. I am currently being harassed by debt collectors acting for eBay and will be grateful if you can help. The problem has arisen because, without my knowledge or consent, eBay advised someone to return a Kindle Fire that they had bought from me. eBay reimbursed the buyer and is now seeking reimbursement of £143 from me. The buyer claimed that the item was not described properly and did not work satisfactorily in the UK. This is wrong on both counts as it was clearly described in detail in the sale particulars and I had used it very successfully in this country for about a year. The debt has now been assigned to a company that initially left eight or nine threatening messages on my answering machine when I was out of the country and has now written to me four times. This is worrying and time consuming. I spoke to eBay, which said it could not get to the bottom of this and found it hard to give a definitive answer as to the rights and wrongs of the case. As in fact do I, particularly on the question of where and how this Kindle Fire could or could not work. You though are certain you gave all the information required. Therefore, eBay has now reimbursed you as well as the buyer. So you now have your £143 back. You say you should also have something for inconvenience but I am afraid that is not on the cards. Link http://www.telegraph.co.uk/finance/personalfinance/consumertips/jessicainvestigates/10095661/eBays-debt-agency-kept-threatening-me.html
  5. The 9 Best Kept Secrets your Insurer would not like you to Know. (Try to avoid) 1. The Courtesy Car. Many insurers offer a courtesy car if you use their “Approved Repair Centre” this would reasonably appear to be something they pay for. NOT TRUE. The cost is borne by the repairer with no additional revenue or supplement, so even before the repairer lays a hammer on your bent motor he has to recoup the cost of that car somehow. 2. The Insurer Approved Repairer. This is a garage who has agreed with an insurer in exchange for a supply of their policy holders damaged vehicles, to a stringent service level agreement which includes a range of free services and at a discounted rate, typically 30% below normal high street rates. So every time you visit one, they will be paying back to your insurer a hefty chunk of your repair bill in discounts and rebates. Ask yourself who benefits from that? Also remember that you are not obliged to use them, as a policy holder its your choice who repairs your own vehicle, there are however a few exceptions to this rule, where its written in the small print. Approved Repairers will always try to the best they can but their hands are tied and they have split loyalties when it comes making decisions about how your car is repaired. 3. Repair Methods. Each time you visit an “Approved Repairer” the method of repair to your damaged vehicle will be strictly controlled by that insurer and every decision taken in that process will only be driven by one criteria and I’m sure you know by now what that will be. Exactly.. COST. Example:- Someone has bumped into the back of your brand new car and now its at your insurer “Approved Repairer”. The bumper has a nasty crack in it and as we know all bumpers are designed to take a 5mph impact without sustaining damage so to protect you and your passengers it should be changed. But your “Approved Repairer” will be made to repair it so it looks good as new but obviously won’t be. Silly, as chances are, your insurer will get all the money back form the other insurer as it wasn’t your fault. But you’ll never know this. 4. New Parts. A large number of insurers will instruct their “Approved Repairers” to fit NON-GENUINE parts to your vehicle and some of them do it without telling you. If you look closely in the small print you may see they reserve the right to fit “Equivalent Parts” or parts of an equivalent quality. Reason being, obviously COST. When your car sustains damage you would want it put back to pre-accident condition and if FAKE parts are used that’s never going to happen. No one will guarantee that those parts will perform or deform in a subsequent accident exactly as the original equipment would. But you’ll never know this. 5. Insurer Paint Deal. A large number of insurers have agreements with vehicle paint manufactures and insist that their “Approved Repairer” takes on that paint type and uses it to paint their policy holders vehicles in and yes you’ve guessed, every time one gets painted the insurer gets paid a rebate by the paint company. So in effect every time you crash they get paid. How does that benefit you? 6. Total Losses. You may find yourself in the situation where your vehicle, after an accident becomes beyond economical repair and deemed Total Loss. Hopefully your insurers will agree a reasonable settlement with you and you can buy a new car, but what happens to your old one. One would hope that your insurers dispose of it ethically but do they? Typically it will be sold to a major salvage company who will then sell in an online auction to the highest bidder and vehicles categorised C or D can be bought and repaired by anyone to any standard including cutting two cars in half and welding them together which is perfectly legal and put back on the road with no real checking or testing apart from a ‘Vehicle Identity Check’ done by VOSA which only confirms the chassis number matches the V5. Vehicles bought by eastern European countries can be taken away and repaired to be re imported with a new identity. Some insurers will even dispose of their CAT D total losses into various outlets and decide not to actually categorise them first. So when they are repaired and sold they appear “Clean”. So if you buy a second hand car be sure to get it checked thoroughly first. 7. Insurers & Accident Management Company’s. Insurers are now increasingly referring their own policy holders, for a referral fee, to accident management companies on discovering they have been involved in a non fault accident. This then results in the accident management company hiring the policy holder a like for like vehicle and arranging repairs and advising them of their rights to claim compensation for any personal injuries sustained in the accident. The cost of all this then goes to the “at fault” insurer resulting in a much higher bill for them and a commission coming to the clients own insurer who in turn will charge their own policy holder extra on their premium next year because they have been involved in an accident. 8. Claims & Underwriting Exchange. This is a list, unavailable to members of the public, is compiled and kept updated by all UK insurers with details of every motor claim including policy holders name and vehicle registration and date of incident and if there is any personal injury involved. So when you come to renew your motor policy and forget to mention that last incident you were involved in even though it wasn’t your fault, your new insurer will still put you on cover and take your money but should you make a claim they may throw it out when they check the CUE. 9. Insurer’s Penalty Excess. Some insurers will charge you an additional insurance excess if you exercise your right to use your own repair centre to repair your vehicle. They should however point this out to you at the inception of the policy as it is NOT a normal caveat and as such should be brought to your attention when you buy the policy, If it is not that could be MIS-SELLING. So be extra careful when buying on-line and check that you are able to use your own repairer, otherwise you could be faced with an extra unwanted bill. Insurers that do this include Aviva Direct, Esure, Sheila’s Wheels and Swift Cover.
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