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Found 54 results

  1. Now the UK has decided to leave the EU, what is the time scale to activate article 50 of the Lisbon treaty ?..
  2. The purpose of this thread is to initiate a discussion with fellow eToro customers to examine the possibility of bringing a class action lawsuit against eToro, with the aim of recovering all the money lost on missold products. eToro encouraged thousands of inexperienced customers to bet their money on risky Contracts for Differences (CFDs). I argue that eToro negligently failed to ensure that customers properly understood the risks involved. The majority of these customers would not have put their money at risk if they had been properly informed by eToro. I submit that eToro is guilty of: 1. offering and promoting the use of high leverage, which made the CFD trades extremely risky and tantamount to gambling (before the ESMA rules took effect, leverage as high a x100 was available on some assets, including extremely risky ones like gold and oil); 2. failing to make a good-faith effort to ensure that customers genuinely understood the risks associated with high leverage – their boilerplate warnings were not sufficient to enable inexperienced investors to make a truly informed decision; 3. actively encouraging customers to put more money at risk by telephoning them; 4. encouraging customers to copy so-called "Popular Investors", despite the fact that none of them are professional traders and suffered losses when the favourable market conditions ended. In my opinion, such a class action lawsuit has a realistic prospect of success and is also in the public interest. Customers affected by at least one of the four points listed above can potentially receive compensation if the lawsuit is won by the claimants. This year thousands of customers suffered losses either by using the high leverage that eToro recklessly made available to unsophisticated customers, or by copying incompetent “Popular Investors” like JayNemesis and Wesl3y, who are not qualified to invest money on behalf of others. Let's get some momentum going and start selecting the right law firm to bring this claim against eToro!
  3. Hi guys, On the 12th of september I had just had a mis-carriage and been discharged from hospital. I also had a flight that evening at 9pm to a family wedding in spain. I rushed to primark to gather last minute things; whilst grabbing clothes i was struggling to hold all my shopping and couldn't see any shopping bags near me so i places a PJ set and a bra into my actual handbag. Through the stress and rush I went to the cashier and paid for everything in my hand which was (£40+) and did not pay for the two items in my handbag - which is a huge oversight on my half (but i was very stressed and under a time deadline.) I was approached by security staff who told me i had not paid for items in my bag which i instantly gasped at and offered to pay. However, at this point I can not recall if I had technically left the store as I do feel as if the security had approached me just by the exit. I was very cooperative as I was trying to catch my flight - however one of the security officers was making me feel very uncomfortable telling me how pretty i look and asking me loads of personal questions (which i refused to reply to as I did not see the relevance to the issue at hand.) He then began getting rather rude with me and I asked to see the cctv footage to see if i had actually left the store without paying. They refused to show me the cctv and threatened with police. Which on a normal day I would fight but I had a flight to catch and just wanted the day to be over. I have now received the infamous letter from RLP asking for £150.00!! Just wanted to know what steps I could take forward? Do I send an appeal? I actually am moving to NYC and dont want debt collectors coming to my family home whilst away. Thank you!
  4. Purchased a BMW 420 Convertible on a 66 plat (Purchased August 2017) with less then 5,000 miles. EX Demo Car. 7 months in to owing the car, 3 of the 4 alloys have corroded. took the car to BMW of which tells me in May 2017 (3 months before i had purchased the car, 3 of the alloys had been refurbished and only carry a 6 month warranty. It was not disclosed to me that the alloys had been refurbished. I said to them i don't expect to purchase a car less then 5k miles for over £30k to have refurbished alloys. I requested new alloys as it was not disclosed to me at point of sale. they refused. The car is on BMW finance. Am i wrong by stating i want new alloys or is this what i should expect? looks like someone else got the same issue https://www.pistonheads.com/gassing/topic.asp?h=0&f=72&t=1541056
  5. Dear all I have just joined this forum in the hope I can request for some advice on my current situation. I have an NRAM together mortgage on a property bought in 2005. The mortgage is £99,500 and the unsecured loan is £23,500 outstanding. My property is in Stoke on Trent where house prices are slow to rise. The last valuation I have had shows the house to be wroth round £97-99k. In 2007, two years into the mortgage, while it was still with Northen Rock and before the crisis I was offered a job in London. My salary increased from £32k to £50k. I requested Consent to Let but this was denied. I nonetheless went ahead with the move to London and rented out the property. I understand that this was a risk, in breach of my mortgage t & c, and in the high spirits of the time when we felt the bubble would not burst I decided it was a risk worth taking; especially as my salary would offer greater security in my maintaining my repayments. Needless to say, I have never missed a payment, before or since, I supplement to mortgage (the rent I receive is £500 and the mortgage payment is £675.) I am not seeking to justify my decision, I knew I was in breach and I knew that I was taking a risk. I have landlord's insurance in which I told them I did not have consent to let and they said that would not affect any potential claim (now, whether that is true or not I cannot say in fairness, but I did ask.) Ok, so 7 years down the line, I am still in London, renting and still unable to fulfill NRAMs criteria to be granted consent to let; have not checked with them specifically, but going with the broad evaluation in terms of rental ration to mortgage, which is what they asked their decision on in the first request I do not believe I would be granted it. Unfortunately this has meant that annual statements are delivered to my stoke house and last year my tenants returned to sender not forwarded on to me (one of the other caveats of risk taking alas). I am now flagged on NRAM's system as a potential mortgage holder who is renting without consent and I also know that their remit, and incentive is somewhat different to a mortgage company; so that if they can find you are in breach of your mortgage conditions they will take rather severe and unforgiving action. I spoke with them on the phone about why the mail had been returned (lied and said it was due to a postal error). They clearly don't believe me for they have asked me to send them a letter with a utility bill to confirm I live there before they take whatever flag they have put on my account. I want to get an exit strategy in place before I come clean with them as that may leave me with a very limited time frame. Even though the unsecured part of my loan would quadruple in interest once it's decoupled from the mortgage, I am wondering whether it may be time to sell the house and cut my losses? If I'm on NRAMs radar as it were, then when they find out I'm in breach I am unsure as to what my options will be then. I have no problem accepting the fact that I chose this mortgage; I am and have been making all my payments on time and moreover accept the fact that the unsecured loan will cost me much more when I sell it. My anxiety is if I can sell it before NRAM find me out, if my options are significantly reduced when they do, if I am facing a prison sentence for fraud (all outcomes I hold my hand up to - I do accept any repercussions of my decisions), but I'm trying to gather as much information as I can to at least try and make some better decisions in the future. Any advice you may have for me will be gratefully received. Many thanks
  6. 'LET DOWN BY MY COUNTRY' Hero war vet, 50, who was Prince Charles and Diana’s driver left homeless sleeping in bushes and feeding off scraps READ MORE HERE: https://www.thesun.co.uk/news/5551197/hero-war-vet-50-who-was-prince-charles-and-dianas-driver-left-homeless-sleeping-in-bushes-and-feeding-off-scraps/
  7. Hello there. First time poster, found you when googling for help. I went to SCS 3 weeks ago and ordered a sofa, albeit halfheartedly as the salesman was like my shadow. I have since that day found out I will not be financially able to pay for this with their credit company, due to genuine unforeseen circumstances. I spoke to Ikano their credit people, who was very nice and cancelled when Id explained, and gave me a reference number to take to the store to cancel. I did and was told to call their head office, who then told me to go back to the store which I did. He said Oh no I have to have it as they (scs ) have already paid...err no I was having credit. As its only 3 weeks I thought Id get in quick before it's delivered, so my question is is can I refuse the delivery when and if it does come? many thanks for any advice given.
  8. My bank has just sent me an email with upcoming changes to my (and your account) which causes me great concern and wonder if other people have had the same. Basically it says: there will be no payments in/out of my account over the weekend. What really concerns me is they warn of a new financial system where TPP (third party providors) will offer to manage my bank account, they could ask for (that means WILL ask for) my banking login and password details. Of course the bank says, if I do this then it's nothing to do with them if my bank account goes to zero. I would think that new service will trigger a zillion crooks into action - beware! The email says this scheme is forced upon them by the EU (I thought we opted OUT!!) and it gets worse... Changes to Payment Regulations Thanks EU
  9. Hi there, I had a judgement in default made and have been trying to pay. It was originally through Capquest and Arrowe Global, but I tried ringing Capquest and they say they can't handle it because it's 'in litigation', tried calling Restons automated payment line - that didn't work either. Then, tried Restons website it says "We are currently unable to accept web payments against this matter, please contact Restons directly to make a payment." I actually have never received one letter from Restons only from Capquest. The second matter is that I actually wanted to defend but was in hospital when the claim form went through. I kind of want to try and overturn the CCJ, but it is important to me to be able to rent a property in the future. Also, why won't they let me pay? any ideas? Lastly my judgement was for 585, but I believe last time I looked the payment they want is 650. Thanks
  10. Please help, (I suggest a comfy chair and a cuppa, this is a big mess) Last year we had three new windows installed in our bungalow. In addition to this we also signed a contract (27th June 16) for a new composite front door to be fitted in our recessed porch which required raising of the internal step, removal of the old door and frame and replacing this with a door and top light on the front of the porch, not the recess. The fitter had to leave and collect another piece of glass for one window as it was incorrect (a small triangular window) and this delayed the job which I had been assured wouldn't take long. When completed the fitter said one window was too small so he would have to use additional trim. It was one fitter, on his own, fitting three windows. I was literally hovering around him as he was finishing off as I had to go to work and he had overrun. On my return from work I properly looked at the windows. Inside they looked fine but outside was shocking. He had hacked off all the render on the return edge and stuck large plastic lengths of trim in it's place. The trim protruded and there were massive chunks of sealant visible which was uneven and unsightly. As the trim was protruding you could see the yellow backing. It looked like my 4 year old had finished it off. I called the company and asked them to come and make it look better, I was told they never re render and always replace render with plastic trim. I advised them I had not been informed of this and would not have gone ahead with the new windows if this was the case. They asked for payment and I refused until they sent someone to look at it. They sent some fitters round immediately to have a look. In the meantime I looked at their website to see some lovely examples of new windows with the render still intact. The guys that arrived looked at the trim and agreed it was a real mess, that the trim was far too wide and was protruding. I asked them why the company removes the render and they informed me that they didn't as a matter of course and that customers should be consulted. They advised that sometimes render has to be removed and they advise that they will replace it as best they can and that the customer would then be responsible for painting it. I asked them to remove the plastic trim that was protruding and to re render it all which they did. This looked much better at this point then the lumpy sealant and yellowy trim. They told me the office was on the phone requesting payment and handed me a mobile phone so I could make payment over the phone. I said it looked better and paid in full. On comparing my new render with my neighbours I noticed that instead of it having a square edge it was rounded of, was uneven and when it dried it looked horrible. Painting it was not going to make it look any better. I also noticed there were layers of trim around the windows which seemed unnecessary and I wondered if this was because the windows were too small. I complained again and over the phone and was assured the windows were the correct fit. In the meantime the surveyor came round regarding the relocation of the front door in the porch. He advised me that what was proposed would not fit and the door would have to open outwards. I was not happy with this at all. He also said the proposed top light would not fit either. He ummed and ahhed a lot then said the door could open inwards and it would be packed out with trim, and gave me some paper to sign with a drawing showing a front door and built up step. I signed then called the company to ask if the price would alter now we were not having a top light to be told there was no change in price. I then contacted the manufacture of the company through live chat to ask their opinion to be told a top light would cost around £150. I informed the company that I was not happy with what was now being proposed, I wanted a top light and if this was not practical I wanted the price reviewed and they emailed me to say as a gesture of good will they were happy to reduce the price by £50. i was not in agreement with this and made this quite clear. They agreed to come back and look at things to reassure me, we arranged two appointments and they failed to show for both. He then turned up really late (October), obviously not very happy and said again that we couldn't have a top light, that the door would not be packed out with trim it would be the full size of the opening. I said this would be too big and wouldn't it catch on the internal wall edge, he said he didn't think so. I was really unimpressed. I felt that they really didn't give a toss now and that I may end up with a front door that wont even open as it would hit the internal wall edge. At this point I asked for the £250 deposit to be refunded as I didn't want to go ahead with what was proposed. They then said the door was waiting to be fitted so I would not be refunded. I asked why a door had been manufactured when we were not in agreement and they said that I had signed a contract with them. I informed them I had signed a contract for a door with a top light and they said that as I had signed the surveyors paperwork this was a contract. Back to the windows, the company have recently said they would send an independent surveyor for his opinion of the windows (the fit and the appearance), I agreed to this but they sent the surveyor who had originally surveyed the windows, is this independent? Furthermore, they will not provide a copy of the report, I have asked for it in writing several times to be told it is not their policy. Am I entitled to see it? They have said they are happy to come and remove more plastic trim and re render but they will not detail what trim will be removed. I have said they may remove too much or too little, what they do could be irreparable. I have absolutely no faith in this company and do not want them to now mess about with my front door and porch as firstly I do not want what is proposed and secondly I am still unhappy about the windows. I really do not know where I stand legally. my questions are: Is my signature on the surveyors paperwork a new contract? (I have queried it every step of the way and I have evidence) Can I get my £250 deposit back for the door, am I obliged to go ahead with having something I don't want fitted? Can I insist on an independent surveyors report for the windows and am I entitled to see the report? Thank you for taking the time to read this epic mess, I would really appreciate some guidance x
  11. Well I was halfway through a 40 mile ride yesterday in the pouring rain. I noticed a funny spray pattern coming off my front wheel and only eventually realised that it was air coming through the wet tyre surface at high pressure from a leak. I've been running tubeless fur about a year or so and it's been great because I have noticed a few pinhole punctures which haven't caused any problem and have scarcely resulted in any lowering of tyre pressure. This was different. On the surface it was about a 1 cm cut although it was only a very small hole on the inside of the tyre – as I later found out. Anyway the tyre lost a lot of pressure. I really thought that I was going to have to take the thing off and put in an inner tube on the side of the road in the wet. When I stopped, there was still some air in the tire and I decided simply to try super gluing a patch over the hole on the outside of the tyre to give the sealant a chance to work. It was amazing, I was back up and running within a minute and although I wasn't able to pump it up to a really good pressure, it was good enough to do the remaining 15 or so miles back home. I'm so impressed with tubeless. The other people that I was riding with – and who didn't realise that I was riding tubeless – were amazed as well.
  12. Needing help with regard to which route to go down to get back my refundable damage bond. To cut a very long story short, I booked a short caravan break through a private owner website. Paid the full amount upfront, included in this was a refundable £75 damage bond to be returned within 7 days of leaving the let, if left as found and damage free. I paid for the holiday with my credit card as refused to pay by bank transfer. I contacted the third party by email to book the holiday and paid by card over the phone, she said that the money would be paid into the owners account on the holiday park. Left the van on the Friday, contacted the third party on the Sunday to ask when I would receive my refunded damage bond. Heard nothing until I contacted them again on the Wednesday when I was informed that the owner had claimed that we damaged a piece of furniture in the holiday let. I was stunned to be honest, as left the property as found it, no damage by ourselves. Asked for proof of the damage, was sent two undated photos by the third party that were taken by the owner on the Friday we left (apparently). I asked the third party to contact the owner to ask him to send us dated photographs of the damage, she then said she wasn't getting involved anymore and we were to contact the owner direct. She sent us a name and email address for the owner. I have been in contact with him and again asked for my money to be refunded unless he had sufficient proof that we caused damage in his property and also to send us dated photographs of the damage. He sent a short email saying, because the let was so popular he hasn't been able to get access and he hasn't had time to get quotes to have the furniture repaired or replaced. No mention of the proof I've asked for or the photos. I replied stating that he was in breach of contract and has failed to provide any sufficient evidence that we damaged anything. Needless to say I've heard nothing back. I have been in contact with Citizens Advice and waiting to hear back from Mastercard. Is there any other measures I can take to try and get my money back?? Small Claims, Trading Standards?? All advice welcome.
  13. My Mum owns the freehold to her flat - one of 16. Most of the flats are owned as second homes (It is at the seaside) The management committee have a rule that the flats cannot be commercially let/ rented - they can only be occupied by the owners and their families. My question is: is such a rule enforceable ? Thank you for reading !
  14. Hi. I took a loan out with Avantcredit August 2015.. stupid idea! I pay 125 a month and the balance has only gone down by £300! The interest is so bloody high.. my own fault I know, but I had an urgent need for it and my credit wasn't the best so I was unable to get any better deals.. my credit union have agreed to clear this loan for me (I will pay my credit union monthly which MUCH less interest) however they will only make payments on my behalf via BACS/Bank transfer. Advantcredit are being difficult saying they won't give me their account number or sort code to pay with. . is there anything I can do to get around this? Would a complaint to the ombudsman do anything? I spoke to a lady from Advantcredit last week who said she didn't think it would be a problem. Then this week everything has changed and apparently they won't be giving the details to me? I feel as though they are placing barriers deliberately to inhibit me from paying this off early (and saving myself thousands in interest) Any advice would be greatly appreciated!
  15. Someone went into the side of my work van a couple of weeks ago whilst he was pulling out of a junction. It was his fault. There was some cosmetic damage, scratches etc. and the passenger door wouldn’t open. So I decided to put a claim in through his insurance company. I was given a courtesy van whilst mine was taken off to be assessed. A couple weeks later I received a telephone call to say my vehicle had been written off Cat C. I was offered a settlement and the option to buy my van back. However the offer was way below what it would have cost me to either repair or replace the vehicle so I declined it. I have now been told that as I declined the offer my claim has now been transferred back to my insurance company Hastings and the other drivers insurance company would no longer be dealing with it. I would no longer be able to buy my van back. The rental vehicle will need to be returned and I will lose my no claims. At no point was I told by Albany the implications of me declining the first offer. Otherwise I may have reconsidered taking the offer. Now I’m going to lose out. I have 3 options: · Withdraw my claim, keep my van and pay for the door to be repaired myself. · Settle the claim for below market value and buy my own van back from auction and hope that the settlement cost will cover the cost to buy it back and do the repair work. · Or Settle the claim for below market value and having to get some sort of finance to replace the vehicle. My van is sign written and has been fully fitted out for my work needs with a reversing camera so the cost of replacing all of this will be well in excess of what I will receive. And most of this would be removed before it is auctioned off. All I want is my van back and some money towards the repair cost. I don’t understand how this was an option when I got my first offer but Hastings are now saying I can’t get my van back. Poor customer service all round and the accident wasn’t even my fault.
  16. Hi all, is there a section where I can ask buy to let questions? I don't really see anything suitable except for maybe the banking section.
  17. Restrictions in Freedom of movement Being “Forced to work,” From Dawn to Dusk just to be given food to eat Not being allowed to accumulate and “Assets,” – Personal Possessions Being “Punished,” if you attempt to air an objection about this. This is what I learnt in History and it is called SLAVERY. Being forcefully ejected from your home. Even though the piece of paper says you own it. Being forced to “Pay Additional Costs and TAXES,” while others not of your hue, Religion or creed are not told to. Being hearded into Segregated Areas for Education, Career, and Residences. Being denied “The rights of a naturalised citizen,” in the country you were born in. This is what happened in South Africa, Germany (world war II), & South & Middle East. It is called geneocide. We were and are told it is not right. If you are being denied the RIGHT TO PURCHASE GOODS. Because the Banks, Finance Institutions are deliberately denying you those rights. To, have restrictions placed on your financial freedom so you cannot see a more profitable alternative for yourself. Being denied access to the Law and Legal Bodies to have SOMEONE/ANYONE to Fight for those rights in your corner. To be SICK AND UNABLE TO ACCESS a system that YOU PAID INTO via your NHS Taxes etc. And then to be told that because you are now classified as Disabled, Old or Mentally challenged and you OWN YOUR OWN HOME. That medical care facilities, benefits and assistance no longer apply to you. (Despite years of paying to a system which stated in was your insurance against the worst happening). This is tyranny. So tell me please WHY DID WE ALL VOTE FOR IT IN THE LAST GENERAL ELECTION? And PUT IT’S LEADER IN POWER!!!!!
  18. hi there, I need some advice as I am now going out of my mind. On Thursday 14th January 2016 I took out a contract with Vodafone pay monthly for an iPhone 6s in Rose Gold 16gb I received an order acknowledgement but no further information. I then called on 15th January 2016 to find out what was going on with the order. After being passed around at least 6 different departments and often without being told and just being put on hold I got through to a very helpful sales advisor. This advisor took it upon himself to cancel my original order placed on the 14th and place a new order with himself which was a much higher tariff and quoted exclusive of VAT. He also took £29 for the phone cost upfront and £9.95 for it to be delivered the next day before 1pm. I was promised a text message and email of this order in the morning for delivery which NEVER arrived. Neither did an email confirmation of the order. On Saturday 16th 2016 by 10am I had not received any email nor any text. Thinking this suspicious I called Vodafone to find out where the order was. I was hung up on 4 times, passed to 3 different departments and in the end my husband had to talk to them as I couldn't handle the stress ( I suffer from a depressive illness and anxiety disorder). I broke down in tears from the stress of it all. I was shown no empathy, no friendliness nothing over the phone. Just spoken to like I was an inconvenience My husband was told by their customer service person (as not one of them will give their names willingly) that the phone would not be here until the Saturday 23rd January 2016. She was adamant and all we could do is take her word for it, as she was at least the 7th advisor we had spoken to and despite having paid £9.95 for the next day delivery. That same customer service agent advised to go into a shop and sort out the contract there as it had already passed credit checks. My husband told her not to cancel the contract in case we weren't able to get it sorted in the store to which she agreed over the phone. I was listening to the whole conversation on loud speaker. Being the gullible/trusting people we are we went to the Vodafone Store to get this contract sorted out. They looked into the order to discover the last advisor who promised they were going to leave the account alone had taken it upon herself to cancel the contract, which she had promised she would not do. So the store set up a new contract for the iPhone 6s in Rose Gold, 64gb. I was also told I would need to pay £69 up front for this phone also. At this point in time Vodafone had taken £136.95 whether in debits or reserve payments. Just to get this contract sorted out I conceded even though that is a lot of money. All was fine until we got home after having to drive 30 minutes back from the most local Store and then a knock on the door came. It was the first mobile, iPhone 6s in Rose Gold 16gb. The very phone that we were told would not be delivered until the following Saturday and which the advisor had cancelled . This arrived at 3.38pm. So I was charged for £9.95 next day delivery before 1pm via Royal Mail which ended up with a cheaper courier not wearing a Royal Mail uniform. On both occasions I was misled by the tariff with the advisor's so I decided to cancel the contracts and instead use the business tariff. Since that day I have been on the phone countless number of times trying to cancel both these contracts within the 14 days cooling off period and return the phones for a full refund of the upfront costs. This has proved stressful, difficult and impossible. The first phone that arrived through the post has been returned and received but has still not been refunded. I am having to take time out of my business to get this sorted out and it's not forthcoming. The other phone that I purchased from the shop has proved near impossible. I tried to return it to the shop but they wouldn't accept it as the customer service team had already cancelled it. To this day I have not received the returns bag and have called every few days to chase a new one. I am always told it will arrive but has not till this day. I'm now out of the cooling off period and received a letter dated 4th Feb stating I now owe over £800 as am out of my cooling off period. The line was cancelled over the telephone well before 21st January and by recorded letter which I have proof of. I have also kept every online chat with service advisor's. I have tried numerous attempts to get through to a resolution or complaints team only to be told they don't exist. Their very own website points you back at customer services - no dedicated complaints service. Today I asked for a deadlock letter so I could see resolution through the ombudsman quicker to be told I couldn't have one as the resolution team have not dealt with it. So I asked to be put through to them. I was told that no I couldn't be as their is a process. I asked what their process was to be told they couldn't deal with it. WTF?!!? I'm at the point where it is now affecting my mental health. I get extremely stressed and anxious at the thought of contacting them to only suffer the same treatment each time. What can I do? I haven't received a refund for the first phone and the second phone has still not been returned due to not receiving the returns bag. Even when that is returned the process for getting my money back is really going to affect my health. I have filed a complaint with the trading standards team but too early for the Ombudsman to get involved (shy of 4 weeks). I have never in my life experienced anything like this. I just want these phone lines cancelled and my up front costs return with no further hassle. Why is it so hard? Any advice would be greatly appreciate, this is the worst experience of customer services I have ever experienced and I will be moving my business mobiles as soon as the contracts on them run out. Jody
  19. I recently phoned vodafone to settle an old account which is showing as defaulted in 2014, I don't have any paper work and asked them to check the account details based on all my previous post codes as I no longer know this telephone number as it is from an account opened in 2011. The person couldn't find the account details and confirmed that they have no record or account details for this debt even though every month its showing as a default on my credit file. I requested to speak to the department responsible for sending this information to credit ref agency but was told this is not an option. Can I add a notice of correction because I've attempted to pay off the debt but vodafone are refusing to accept payment or can't find the account details to settle this debt?
  20. It does look as though the regulator has done a U turn over this and now intends to investigate.. http://www.theguardian.com/business/2015/dec/09/fca-investigation-hsbc-whistleblower-complaints-credit-cards
  21. Hello Consumer Action Group members, I have been suffering from a mix of problems since last June. Long story short: Summary: 1. I purchased a laptop from Amazon, from a reseller. 2. Laptop's motherboard broke down, and I found out that I can receive a refund/ repair free of charge. 3. Amazon's seller (located in the US) agreed to fix the laptop, and provided US address 4. Sent it via ParcelForce, Amazon reseller cut down every means of contact and I have no clue where my laptop is. Hello everyone, AMAZON I purchased a laptop from Amazon, from a reseller. I needed a new laptop for many years so I decided to invest a hefty sum for a good laptop. I purchased the laptop, and within 2 months, I found out that its motherboard was broken. In order to get a repair, I contacted Amazon support team and they gave me the email address of the reseller. I got the email and I contacted them swiftly. They were based in the US, and told me to send the item to United States. PARCELFORCE After I received their instructions, I sent it to their US address immediately. After a week, I contacted them whether they received it, and the Amazon reseller cut down every means of contact immediately. In vain, I contacted Amazon whether they can assist in the repair. After checking my ParcelForce tracking, I found out that it is still in the depot and the reseller refused to pick up the item. This entire process took two months. Then I found out that there is an option from my Santander bank, which allows for a chargeback service. I contacted Santander and they agreed to look into my case, which took another 2 months (because I was in Korea at the time, and they requested a letter which is sent by post). Now it's October. I contacted Santander again and they told me that due to a mistake from their reps, they told me the wrong timeline and I will not be qualified for a chargeback service. This got me nuts. I contacted Amazon and Amazon refused to handle the case and every one of their reps stopped replying to my emails. I considered the last option, and I contacted Parcelforce to send me my item back. They told me that I should apply for the loss of an item, because they cannot track the item anymore. I did exactly that, and they rejected my claim because I should have applied for the procedure within 3 months. Now I am really angry. Every one of these corporations told me blatantly wrong information and now I am left with -1352 pounds in my budget, huge drain in my time and energy. What should be the next step that I take? Please assist me in the process, that would be incredibly kind of you folks. Best wishes James1738
  22. I currently have two complaints with the FOS, both have been upheld and we're at the arguing about redress stage. On both I have asked for bank charges, etc to be returned if they were incurred as a result of being without the PPI monies. I should add the bank charges could be a significant amount. On the first loan ppi, the adjudicator found against me, that the bank's offer of ppi repayments plus 8% interest was fair. I have appealed this decision to the ombudsman proper. They state that the all charges on the LOAN account have been returned, whereas I argue that the money to pay the PPI was originating in my current account and thus it should be IT that is restructured rather than the loan account, with the repayment of charges, etc. Similarly on the second mortgage ppi (this time the payments were directly taken from my current account). the (different)adjudicator has asked me for my expectations with regard to redress. I stated the same, that since the payments were taken directly from my current account, I expected it to be restructured with the return of any charges incurred as a result of being without the PPI monies, etc etc. to which she replied " I will let be taking the information you have sent me into consideration as I investigate your complaint. I will need to look into what you have told me about your current account. This is not something that is generally considered when refunds are calculated. You say in your email that this would be “as per [our] guidelines” but this would not be covered by our standard guidelines to businesses. We would need to see an exceptionally clear link between the sale of the PPI policy in question, and the fees and charges on the account, to say that the business should consider these costs. I will need to consider the specific circumstances of your complaint to see if that would apply here. I will let you know if I need any further information. I do not know at this time how long my investigation will take but I will keep you updated." What are people's general thoughts/experiences with the FOS with regard to charges incurred as a result of being without PPI monies? Are people generally getting them or not?
  23. This whole nightmare started when I upgraded to a sim only contract but they got it wrong (third time) so I phoned to cancel the upgrade. When they cancelled the upgrade they also cancelled my contract which they are calling a glitch. I now have had no service for 2 days and just want to leave. The problem is as they have cancelled my number so a pac code cannot be generated. It gets worse though because when I asked to just cancel my contract they told me the early termination fee would be £540! This is because the cancelled upgrade will only be processed when my service is reconnected. I had less than two months left on my original £38 a month contract. They are giving me a refund of line rental for the days I don't have service and £10 for the inconvenience (how generous!) Originally they said it would take 24-48hrs to get reconnected and now they're saying 48-72hrs. I feel trapped and don't know what to do in this situation. They've also deleted my account so I can't see bills or anything and as my number is cancelled I can't even phone them as you need to enter your number when you call. I've ordered a giffgaff sim in the mean time but I'm so angry at how they've treated me and others. I kept asking to be let out of my contract without penalty but they just ignored me #11196366
  24. We rent our home and have done so for the past 15.5 years, Our tenancy agreement is renewed every six months and the rent and the landlord are both good Looking ahead and a potential scenario, do we have any more "permanent" rights of tenure after all this time? We have no desire at the moment to cause any waves, just looking for guidance and opinions Thank you
  25. Hello, As experienced by other Hastings Direct customers on here, Hastings are refusing to allow me to buy my car back as part of a settlement on my written off car. They have agreed to release the car back to me, but only in order for me to conduct an independent valuation of the vehicle, insisting that a buy back option is still not possible. The car does require quite some work, but I am adamant that I want to buy the car back. The sentimental value of the car is huge, and I am utterly furious that I am not being offered any option to retain the car. This has been a heartbreaking episode thus far, and me nor my family wish to see the car go. My little girl is distraught. Any help from similar experiences would be greatly appreciated. Thanks and regards.
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