Jump to content

Search the Community

Showing results for tags 'lifetime'.



More search options

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Campaign
    • Helpful Organisations
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV and Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - you need to register to access the CAG library
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
  • Work, Social and Community
  • Debt problems - including homes/ mortgages, PayDay Loans
  • Motoring
  • Legal Forums
  • Latest Consumer News

Blogs

  • A Say in the Life of .....
  • Debt Diaries
  • Shopping & Money Saving Tips
  • chilleddrivingtuition

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


About Me


Quit Date

Between and

Cigarettes Per Day


Cost Per Day


Location

Found 12 results

  1. I’ve been stupid and was caught shoplifting in Sainsburys and looking for some advice. I’ve searched the forum for similar situations, but I still have a few questions. I was taken to the back office office and asked for my name, DOB and address. I didn’t want to give them photo ID so showed them my bank card. They appeared to just look at it to confirm my name and didn’t take any photocopies of it as far as I’m aware. I was very compliant, stayed calm, handed over the items immediately (very low cost: less than £9 in total which I then paid in full before leaving). I was then given a lifetime ban letter and was escorted to customer services where I paid for the items and then I was free to go. I apologised and asked numerous times if they were going to call the police and/or if the police will come to my address. They kept saying they weren’t going to call the police and that if police were to be involved they’d have called them then and there. I’m at university and they did say that it’s not worth getting a criminal record over etc, warned me not to do it again, and gave me the printed off letter. From reading the forum and just common sense, I’m assuming that this is not currently and will not escalate to a criminal/police matter since they weren’t contacted and that this isn’t a criminal record (i.e not a charge, caution, etc) and will not appear on any background checks? I was told I will be getting a letter regarding compensation charges but from reading here it appears it’ll be a standard comp charge which I don’t have to pay? I understand they’ll keep writing to me but I gave my university address and barely get post sent there anyway so hardly ever even check my pigeon hole. Is it safe to just forget about it and ignore the letters which I’ll be sent (but probably never get...) I’m also of the understanding that I’d only have to pay if any loss occurred and because I paid for the items in full, there’s no loss right? Plus they can’t charge me for wages/time already being paid for (security etc). my questions are as follows, any help would be much appreciated: 1. Why did they ask my DOB (I just don’t see how that’s relevant, what can they do with that info)? 2. Since I gave my university address if I don’t respond and just ignore their compensation letters will they contact my university and ask for my home/permanent address? 3. I paid for the items on my debit card, could they either track me and further personal details, including home address, from that? 4. I’ve seen a template of a response to the letter basically saying no further correspondence will be entered into. Is it better to just completely ignore their letters or send something like that back to them? 5. As queried in my post, would it be safe to just ignore the letters and put this behind me? I’m stupid and have learnt a big lesson today, so please, no judgement. Am I right to think this will not escalate to a police matter (providing I don’t go back into a Sainsburys store)? 6. Is there anything I should know or do, anything that will put my mind at ease. Thanks in advance for your help. Oh and when I said that I gave my university address I meant my halls of residence uni building (as opposed to a private rented student house) hence I’m worried they could ask my university for further details/my home address since my address given basically is the university.
  2. I was caught shoplifting from a Sainsbury's earlier in the week, huge mistake I know. Does this mean I can't order my groceries online from Sainsbury's too?
  3. I have had my car (Ford Fiesta) since June 21st last year. Now my issue is I have a knocking noise coming from the front passenger side of the car. No idea what it is. I rang Stoneacre up and they asked details and such and said your service is due, I had said, the service has been done through someone else because well they were cheaper then what stoneacre could do. He said ok, but your lifetime guarantee is invalid in that case, because you needed to get the car serviced with us for your warranty to be still valid. ok then, he said I can get the car serviced again with them and get my car looked at and repaired under my warrenty. I said Ill get back to him. I looked at my lifetime warranty book and it does say i should of got the car serviced with them. The car is less then 2yrs old. why cant I still get it done under the Manufacture warranty and not stoneacres. Im really confused on what i can do. When the car was serviced Ford parts were used on the service.
  4. a lifetime nationwide mortgage was purchased within a year of someone dying probate was delayed for several months whilst legal issues were dealt with that has now been issued. we have been told by the nominated executor solicitor that all issues... ..i'e the sale of the house to meet paying the lifetime mortgage must be dealt with within 1 years. when does that clock run from? the death or the probate date? we have a feeling the solicitor are pressuring us to accept a lower offer because the clock is ticking from death, when in all truth its nt that date, just to wrap things up quickly when they cant be bothered to properly market the property to attain a better value... who's correct? dx
  5. Hi all Going through some old paperwork I found I had a 3k loan over 18 months back in 1996 with RBS. It has a loanguard booklet and have before seen a letter I am fairly sure saying I had this. I also found two personal illustration letters from 1999 talking about a lifetime assurance plan and mortgage protection plan. Sounds crazy but RBS, or RSA? collect a £5.00 a month d/d from my account which I thought was something I had to have...but don't actually know what its for as no reference numbers attached :/ What is the best way forward on this please? I did a few with Lloyds for my Dad but had all the paperwork, however this is much older! Found some paperwork, the £5.00 per month is for Royal Scottish Assurance Life Protector, I am sure I was told this was compulsory when you have a mortgage though? Mortgage started 1997 £45k but has changed lots and not even with RBS anymore! It changed to Aviva, or they took over in 2011. My mortgage also isn't with RBS anymore so all their information would be wrong. How do I stand with this please? Many thanks E!
  6. Savers who put cash into the new Lifetime ISAs are being warned they could lose almost half of what they earn in exit fees. The Lifetime ISA is set to launch in April next year and lets savers put away up to £4,000 a year between the ages of 18 and 50. People will then get a 25% bonus on their savings from the government when they retire. But experts warn that if savers dip into their cash pile before they reach 60, for any other reason than buying a first property or because of critical illness, the government bonus is clawed back and a 5% penalty will be applied. Research from AJ Bell, which sells investment funds, has found these charges would have a massive effect on savings. If someone saved the maximum allowable over 10 years, they would build up the ISA to £62,432 with 4% annual growth. But the exit charge would reduce this by £15,608, or 45% of all the growth over the previous decade. https://www.aspokesmansaid.com/money-and-insurance/stories/content-9527/warning-over-exit-fees-on-lifetime-isas http://www.thisismoney.co.uk/money/pensions/article-3778023/Lifetime-Isa-savers-face-stiff-25-penalty-early-withdrawals.html
  7. Hi all, I am wondering if anyone can help me. I bought a second hand car in 2014 from Stoneacre Grantham for £7,000 the salesman who sold it to me (who actually was the branch manager) offered me lifetime warranty for the car for £1000. I took him up on his offer and had the lifetime warranty added ONTO the value of the vehicle - bringing the total goods value up to £8,000. I've now had an issue with the vehicle which I would like to claim on the warranty for - however Stoneacre are telling me that they have no record of me purchasing the warranty. Having trawled through the masses of paperwork I was given when buying the car I have managed to provide proof that I do in fact have lifetime warranty, but Stoneacre are backtracking saying that they never add the warranty price onto the value of the vehicle and therefore it must have been given to me for free... I am PLEASE asking if anybody has also purchased vehicle lifetime warrant from Stoneacre and also had the warranty price added onto the value of the vehicle? I have contacted two different Stoneacre branches pretending to be a new customer and both advisors have told me you cannot get lifetime warranty for free ever. Citizens Advice Bureau have told me that if I can get confirmation in writing from another customer that they also had the warranty price placed on the goods price then I can strengthen my claim and get my problem solved.. . I'm completely at a loss! Please help! Many thanks, Jennifer
  8. I wonder if anyone would know the answer to this? My son is slowly paying back his student loan. If we start a Lifetime ISA which was announced in the budget, will any savings in this ISA be taken or seized to pay back his loan quicker? Or, is it totally separate from his student loan and can't be taken into consideration? I hope I have posted in the right forum, and please move this if need be. Thank you. Miss Anxious
  9. Hi My paents (mid and late 70's) have an interest only lifetime mortgage which they took out on a 2 year fixed rate. After the fixed rate period it was to revert to Halifax Standard Variable Rate (svr). Shortly before the expiry of the fixed rate period, Halifax wrote confirming the expiry date and telling them they could switch to one of the current fixed rates, as existing customers coming to the end of their deal. I submitted the application for them on line. They were told they would be called. They weren't, so I arranged a branch appointment. At the branch, they were told it couldn't be dealt with there as its a lifetime mortgage and Halifax isn't doing them anymore, but someone from that department would call. They did, but my parents were told that they couldn't switch to a new fixed rate because Halifax no longer does this type of mortgage. They have to either stay on the svr, which is, of course, variable, or re-mortgage - Scottish Widows was suggested. I've checked SW's web site - nothing on there about lifetime mortgages and as I understand it, they withdrew from that market before Halifax. SW do offer the same fixed rate that my parents wanted from Halifax (they're in the same group, namely Lloyds Banking Group), but it carries a £999 fee, whereas Halifax has no fee. However, I can't see why Halifax won't switch the rate. I can't see that the fact that they no longer offer lifetime mortgages is relevant at all. Indeed, their web site specifically has a section for existing mortgage customers and it says that if your deal is coming to an end or you're on the svr, you can switch to one of our fixed rates. No qualifications. The end result is that Halifax is happy to let them stay, but on the svr, even though its a mortgage type that they no longer offer. But it won't let them stay and switch to a fixed rate, because it's a mortgage type that they no longer offer. I can't see the logic and I can't see how this squares with this duty to treat customers fairly which has been bandied round recently. How is it fair to force them to stay on the svr when every other customer on the svr can switch to a fixed rate? It seems that Halifax is trying to force them to re-mortgage elsewhere because they don't want this product on their books anymore, or will punish them for staying by keeping them on the svr. They could save £40 a month on the fixed rate as opposed to the svr, not to mention the peace of mind. The only other lifetime mortgage provider I could fine will charge twice the interest rate. I've queried this with Halifax but have been told that I need to speak to the lifetime mortgage department who don't take calls, they only make calls, so I have to wait 48 hours (only working days count) for a call back. They said its because the department is very busy - funny, since I've been reading in newspapers articles that date from the time they withdrew the product that it only represented a very small part of their business. By the way, my parents were never informed that Halifax was withdrawing from this market and how it would affect them in the future. Again, seems to conflict with one of the six outcomes for the policy of treating customers fairly. Has anyone had any similar experience? I'm thinking of making a formal complaint.
  10. John Lewis is to trial a new product-labelling scheme that, for the first time, will give consumers the lifetime electricity running costs on the most popular household 'white goods' such as washing machines, washer dryers and tumble dryers. Backed by the Department of Energy and Climate Change, it is intended to enable people to better understand how energy efficient products can bring real savings to household bills. By choosing a more energy-efficient washer dryer when replacing an old appliance, for example, it is claimed that consumers could save over £500 on its lifetime energy costs. The six month pilot involves displaying the average lifetime electricity running costs in a number of John Lewis product categories. The aim is to test the effect of putting the lifetime running costs of appliances on product labels – as opposed to just how many kilowatt hours of energy they use per year, information that will still remain. It is hoped that the labels will lead to an increase in the number of energy efficiency products being sold. http://www.theguardian.com/environment/2013/sep/09/john-lewis-product-label-scheme-energy-efficiency#
  11. I have elderly relatives who now need help with their finances. I was going through the paperwork and found details of a lifetime mortgage with Aviva. They borrowed £17,000 in 1999. It seems that the interest charged on the loan is OTT. £3,574 has been added in the last 12 months and the interest rate was fixed at 2.9% compound. They owe over £58,000 as at the end of August 2013 on the original loan, so that is 14 years worth of interest. They are in their mid 80's and could possibly have another 10 years of interest to pay. How is this interest worked out and is Avivas calculation near the mark.
  12. Hi I had my vehicle serviced by a garage. It is, or was fitted with a K&N air filter - which is a lifetime filter which just needs to be cleaned. It's supposed to give increased performance & mpg. I checked it today and found it to be replaced by a throw away filter so I have a £48 filter missing and was no doubt charged for the inferior part they replaced it with. K&N filters have been around for along time and are clearly marked up, so I assume a young inexperienced mechanic/trainee was doing the service and hadn't been told to look out for them. I've emailed the garage today to see their response - has anyone come across this before?
×
×
  • Create New...