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Found 184 results

  1. Hi Redroy. Any luck with obtaining these hire costs back yet? Am asking as it seems I am in the exact same position as you are right now. Ive been told by OCL solicitors that third party are Hi Redroy, any luck with this yet? I am in exact same position as you was last year. Have been told by OCL solicitors that third party are disputing the excessive car hire amount and want to know why i chose to take an expensive car out of hire. I feel trapped as i explained to OCL that One Call insurance deferred me to the hire company and made it seem all seemingless and painless. Now its been 7 months and I am dealing with a court mitigation with third party regarding costs for car hire and injury. This was a 100 percent non fault claim.
  2. I was involved in a non fault accident one call insurance put me on to a company to give me a hire car and reclaim everything from the 3rd party . i had a hire car for 8 weeks i tried to return but wasnt allowed .now after 9 months i have received a.letter saying they havent recovered costs from the third party and are using OCL solicitors to reclaim the debt by court action using my name . has anyone being in this situation . they are asking me to sign forms to authorise this . please help Thanks in advance
  3. Saw my car with a clamp on it this morning and found out it was due for non payment of a PCN which I appealed against. Now i never received the council's response to my appeal and the only letter i recently received was on the Wednesday ( which i was told by the enforcement office, was hand delivered! which I think was posted via royal mail) The letter from the bailiffs stated i owe £200 as the for the PCN and court an legal fee due immediately. I was actually going to response to their letter today, but then saw the car clamped and i was charged £438 which had to be paid within 2 hours otherwise it would have been towed away at an additional charge. Had no choice but to pay and now am fuming over this ridicules fee which i cannot afford at the moment. Apparently once it goes to court, I don't get the court's decision and goes straight to a bailiff. Would appreciate advise on how i can take some of the charges back.
  4. Hello, In November 2018 we booked a large barn through Airbnb for a friends hen do for May 2019 - paid the £1100 non refundable deposit which equated to 50% of the total accommodation costs Unfortunately the wedding has been cancelled and we cancelled the booking for the hen do last week -giving over 4 month notice Airbnb and the host are refusing to refund our substantial deposit even though within a day of cancelling the barn has been rebooked by another party. Clearly they are taking advantage - I have complained but haven't got anywhere and am just ben ignored by the host. Any advice on what to do next would b great.
  5. bit long winded this one, sorry folks. I had been working for an outsourced company in a well known bank. Whilst in training I received strange emails from the trainer. This was following from a conversation in training were I asked a question. He explained (in answer to my question) it was in relation to couples who had a joint account and subsequently split. He said “say you and I were in a relationship”. Three days later I’ve seen he’s gone into my email and sent himself an email from my account/computer “that joint account we were talking about, do you fancy it? Can we get back together” (paraphrased, I have a copy) One of my colleagues saw this email and told me to take a copy to “protect yourself, that's really bizzare”. I replied to him saying “he’ll nah” thinking nip that right now! he’s then ran into the class in front of everyone and said “not up for it no” then left the class. From that moment on every single word that came out of my mouth he seemed to take offence to. Everything. Even just hello. The end result being I chose to just sit in silence in the corner, segregate myself from everyone else, keep myself to myself and not speak to anyone. I did speak to the manager about it and she told me “I get on with him so..” and that was that. Once he told off a member of staff for coming in hung over. Fair enough. However, the next day he’s come in hungover himself and stated “I’m hungover I can’t be (expletive) training you today”. On another occasion I had a difficult call and he grabbed a team leader, they then proceeded to stand watching, laughing at me. On another occasion during “coaching” he took my entire group out for a smoke I “wasn’t allowed until she asks me herself”. i stated "I'm not engaging in that power game, sorry" I was then left sat alone completely ostracised whilst they all went out for a smoke. It later came to me that during this he’d called me a “bitch” I then spoke to his manager who agreed I had a legitimate complaint “but she’s off today so” and that was the end of that. We’ve then gone onto the floor and continued training. We were told we would receive multiple one 2 one coaching. This happened once. When these coaching sessions had been booked onto our schedules we’d be left sitting around doing nothing for hours. the manager told us “the training we said were giving You’re not getting it , I don’t have time”. On the one occasion I did receive coaching I had a call fail for following incorrect procedure. I explained I remembered the call and put my hand up and did what the trainer told me to do. I still failed. This happened multiple times with different members of staff.The end result was hoards of new staff(and old seemingly) on the phones not knowing what their doing (and saying it). I witnessed several regulatory breaches at all levels of staff.. I am PTSD (undeclared, following on from being stalked for two years by a colleague, sexually assaulted and suicide attempts..) and found this exacerbated symptoms. I didn’t declare PTSD to the employer however i did state to trainers the lack of appropriate training was causing severe anxiety attacks. Nothing changed. During my time on the floor training it was agreed that mine would be extended for another week. I was entirely happy with this and expressed the fact that I was going to ask anyway. A few days later I’m told oh no that’s not happening now your going live Monday. I had zero input in this. Decisions are being made around my development with zero input from myself. I stated to them outright "I don’t know what I’m doing!!!" So I’m making my way to work Monday 24th December and had a panic attack in the street. I’ve not had panic attacks for 6 months. I just went home and txt the recruitment number “it’s not for me”. This was a clear resignation with immediate effect. Training group; Bullying was rife amongst this group. One in particular would talk about everyone when they were not around in a derogatory manner. According to this individual several members of staff are “sociopaths”. She would mock me to my face around my degree “shut up about it”. I suspect jealously because we did the same degree and I did better. This individual would relentlessly pick on someone in the group (who had an obvious mental disability of some sort, autism or something I wasn't rally sure). He’d speak in class and this individual would mutter “shut up” he’d sit next to us and she would intentionally and deliberately move away from him then stand around giving dirty looks. He picked up on it because he came and spoke to me he told me it was “making me sad”. I could give many many many many more examples of this persons behaviour. Another individual, the self confessed personality disordered individual(bpd). She started spreading rumours about me and a trainer. I was "into him" apparently, I wasn't. Rumours that were entirely baseless, again. She can deny deny deny but her “friend” told me And I heard her talking about it with my own ears. When I would sit next to the group she would intentionally move away and I’d hear her talking about me. On another occasion this individual was making £5 bets on “who would cry first” this is so nasty I have no words. One of the trainers said to a colleague “I come in here and play with my phones then I go home and play with my girlfriend..” hes 55 shes 19...bleughhhhhhhhh Another time this trainer was ‘helping’ me I got something correct myself and said ‘was I right,yeah?’ He said ‘had to happen sometime didn’t it..”. Bullying. This particular trainer got "barred" from being around trainees because of multiple complaints around his behaviour. Wages; During the 24/12/18 and 7/1/19 I received no communication whatsoever from the employer. I have then emailed on the 7th jan asking for confirmation of what my final wage will be. The response was; “Hi x, Your final pay will be 28th Jan due to your leave date. You will received payment on Monday 14th with any hours worked up till 6th Jan then on 28th you will received any remaining hours due and leaver Annual leave. Thanks x Executive – Compensation and Benefits” I have then received a payslip which just states states “zero”. no deductions nada, just blank. I’ve queried this stating, as per your own timescales I left on the 24th and therefore should receive 1 week outstanding wages and outstanding holiday pay on the 14th jan NOT the 28th as per your own email. At this point someone should have joined the dots that something had gone wrong, they didn’t. They then proceeded to IGNORE subsequent emails and failed to respond or amend my pay. I have then received emails a supposed HR senior: “Hi x, I requested the details from our team and they confirmed an AWOL letter – request to contact was sent to your address and email as attached both on 27th December. As they failed to hear from you it proceeded then to a disciplinary on 7th January again the invite dated 3rd January 2019 was sent to the address we have on file. This meeting went ahead in your absence and was held by x and x. An outcome letter was then sent to you via post which I am happy to hear an appeal should you wish to send through. Can you send me this evidence of your resignation so I can review ( I sent this twice one week prior fyi)? If not, can you confirm who you sent this to and to whom did you resign on the 24th? This resignation had not been cascaded to the team and thus your leave date being 7th Jan via dismissal due to AWOL. If you have evidence of sending your resignation then I can deal with the appropriate person as this has clearly caused a number of issues none more so than your final payment date being pushed back to the 28th January. Regarding names, that’s fine although this can limit our investigations which will be carried out by the training manager when on site in x next week. In regards to your pay & any outstanding monies owed by the company: Ø You will be paid firstly for hours worked from 23rd Dec – 6th Jan on 14th January 2019. Ø Your final pay will then be on the 28th Jan which as both x and x from our Payroll Dept. has advised will include any outstanding hours and unused AL." None of these communications were received by myself. I have then received a call from someone on the floor stating there has been a “GDPR breach”. In that all the wages are incorrect and members of staff have other people’s personal information contained in their own payslips. I was also told they were “wiping the system clean and in putting everyone’s data again. No one from x informed me of a data breach. I have then received copies of the email/letters x claim to have sent me. The email has gone to an address that isn’t mine. The letter has gone to a postcode that isn’t mine. The letters contained within are marked “private and confidential” and contain private personal HR information. This is causing distress. in that I have not left my home for days, I'm trying to secure accounts, I cant eat, I have not slept, days later I have not received a single response from the employer regarding the breach. I am losing my mind. I have been paid zero. Recently I noticed my mobile number has ben used to sign up for shortcode txts. i didn't do this. I DO NOT give my number out. ONLY for work. I believe the two are related. I pointed out this breach to x on the 11/1/19 they seemingly hadn't noticed, it is now 14/1/19 and I have received not one single response from them. I believe they have not noticed this breach, it was me! I have spoken with the ICO who tell me the breach (ive filled in the personal breach report form myself) hasn’t been reported (yet) I believe the 72 hour time limit is breached-the letter sent out was dated 27th December 18. So I have been unfairly dismissed based on data that wasn’t received and has breached my personal data! I also have not been paid a single penny today on my wages. Nothing. I am now unable to make rent and again exacerbates symptoms of PTSD. I also didn’t receive a copy of the contract, despite asking. what can I do here?
  6. I found the threat about Fendy-v-HSBC https://www.consumeractiongroup.co.uk/forum/showthread.php?83821-Fendy-Can-I-Get-Statements-From-Old-Midland-Bank-Account-20-Years-Ago I was interested because i was a customer with Midland bank, then rolled over to HSBC when HSBC took full control over Midland Bank. I had a situation where, after rolling over to HSBC, i spent time away losing contact with the HSBC representatives who Dealt with my every needs (Year 1994-1995). I returned to HSBC in 1997 to open a new account, staff then did not want to provide me details of older accounts (1994-1995 accounts). i opened new accounts and lived my life avoiding the intimidation. In 2016 I read an article the HSBC can trace or locate Midland bank accounts, and that there is an Inactive account process where HSBC may hand dormant accounts to the BBA. i filed forms with HSBC and the BBA to see if they could locate the accounts. I was not asked, but the accounts i held in 1994-1995, the accounts i wanted to recover where frozen due to attempts of Unauthorized access. I only assumed they had gone in to dormant or inactive account process. HSBC representatives tell me The bank only holds records for a period of seven years, Unless i can prove HSBC holds records for a longer period of time. I referred to the Inactive accounts. Now HSBC Inactive accounts state that "If your account is in credit and has been dormant for at least 15 years, we may transfer balances of dormant accounts to Reclaim Fund Limited (RFL)" HSBC also claim that Yes Midland Bank became part of the HSBC Group in 1992; therefore we can help you trace any dormant Midland Bank accounts and reunite you with your money. how do i get in touch with the right people working for HSBC, to get reunited with my Money as, so far, They claim they can not find any records as HSBC only holds records for 7 years. Let me know if you guys know of laws or other i can highlight to get better assistance from HSBC who do not reply to me after i highlighted HSBC holds dormant accounts for at least 15 years.. I was trying to get back over A £ 1 million pounds, But i do not know how to get HSBC to find the account that was frozen during the 1990's due to unauthorized access attempts
  7. High Fellow Caggers, Please could you give me some advice. In August 18, I placed an order for a new chainsaw with Amazon and requiring it fairly immediately, I accepted their kind offer of a prime trial, believing that I would be entitled to next day delivery. In the event I received an email from Amazon stating that the chainsaw would be delivered on the day after the expected day of delivery. My partner and myself waited at our home all that day, no delivery was made. In view of non delivery and anxious to make the best of August Bank Holiday weather, I rang the importers of the chainsaw direct on the following day. I was at the time unaware that the importers were only some 50 minutes drive away. Thinking that Hermes might deliver that day, I requested the importers if they would be kind enough to keep a unit for me until they closed at 1.30pm, explaining that I might get a delivery and not require their kind assistance. By 11.00 am, there was no sign of any delivery so I went to the importers and picked up a new chainsaw of the model I wanted. That afternoon I sent an email direct to Amazon by their Help page messaging system. In it I asked them to cancel my order and refund my credit card account if they had debited it. Approximately a week ago, I looked at my credit card statement and was surprised to see entries for a chainsaw from both Amazon and the importer. I immediatey sent a message to Amazon by their messaging system, explaining that no chainsaw had been delivered by Hermes and no card left by them. Their response to say the least was unhelpful, citing that they could do nothing as 20 days had already elapsed and denied they had ever received a notice of cancellation at the time of their alleged delivery. Where should I go from here Amazon are the seller of the goods, Hermes their delivery agent? Amazon say they did not receive my message, Hermes claim they made a delivery to a secure place on the second day after ordering (no proof of delivery), I say no chain saw was delivered. I am aware of Sec 75 posibilities. With thanks Carningli
  8. Interest rate increases without informing the customer CONC rules i.e customer not informed:- ? surely there is a time limit before they introduce increase, and the customer given a chance to disagree and state no further use will be made of the facility and just pay off outstanding under original interest Rate????
  9. Hi Caggers! I have a friend who is at the end of her tether with Scottish Power. She has a Gas Key for prepayment, however, has not used gas for approximately 6-9 years, possibly longer. This was due to the boiler breaking down and this was the only usage of gas, therefore she only uses electric immersion for the water heating. SP sent an invoice for money owing and after she quizzed them due to none usage they told her it was for X amount of standing charges for the gas meter. The agent for SP told her to ignore the bill due to none usage of gas and therefore she accepted that until she received another demand. Once the next agent told her a different story she requested the gas meter to be removed from her house. This request was made approximately 6+ years ago and was never actioned, until April 2018.Now of course they are demanding the standing charges for the last 6+ years at approximately £465. After numerous calls chasing up the removal and she was always told they were going to send somebody to do the removal. After many years of waiting they now sent her a bill for the entire periods of standing charges, which she disputes as she requested the removal, common sense eh? Now due to the hassle factor she has agreed to pay weekly when she tops up with her Electric Key to stop the hassle, but they do not appear to register these payments against her account as they have now issued a DC to chase her for the 'debt'. Now she contacts SP to inform them she has already made 3 payments to the account which they confirmed, but since then they know nothing of these payments and the DC keeps hassling her. Firstly, can she fight SP to actually cancel this debt in the first place as her request for removal was ignored? Secondly, how can we get this monster of a company to realise her payments already made need to be linked to her 'gas account' although she never buys gas? Any help would be greatly appreciated. regards stuscfc
  10. HSBC UK have not complied with my Data Subject Access Request (SAR), submitted under the new General Data Protection Regulation (GDPR). The DSAR was requested on 16/06/2018 and should have been disclosed by 17/07/2018. 16/06/2018 - Request sent to HSBC UK for DSAR under new GDPR 18/06/2018 - Acknowledgement email received from HSBC UK Customer Care Team 22/06/2018 - Acknowledgement letter received from HSBC UK Data Protection Office 17/07/2018 - Data not received, so contacted HSBC UK who stated that they were not aware of this request and have not even started to gather data for the disclosure 17/07/2018 - Internal complaint made to HSBC UK Customer Complaints Team 18/07/2018 - Complaint made to Data Protection Office and Letter Before Action sent to HSBC UK. Telephoned Data Protection Office and confirmed that they have received both email and LBA. When asked for timescales in relation to compliance for my DSAR, a team manager has advised they don't know and cannot give any timescales. I have made them aware I will be reporting the non-compliance to the ICO, but they didn't seem at all bothered. 18/07/2018 - Information Compliant Handling Form submitted to ICO 18/07/2018 - Complaint acknowledgement received from ICO Next steps: Now waiting for the Data Protection Office to make contact with me to progress DSAR and also waiting for HSBC UK complaints team to pick up the complaint. No doubt this will be towards the end of the 8 FCA timescales! Also, waiting to see if HSBC UK will comply within the 5 working days afforded to them in my LBA. I very much doubt they will, due to the large amount of data they will need to gather, redact and securely send on to me. Will potentially need to look at submission of a POC for a County Court claim if not. Submitting a GDPR POC is unchartered territory for me, so if it comes to that point, could really do with some help. Hints/Tips: Some may already be aware of this, but I was not. None of the calls received at the HSBC UK Data Protection Office are recorded. So when I asked for copies of all recordings to their department, they advised me of the above. Also, HSBC UK Data Protection Office don't advertise or easily give up there email address. So if you do need to email that team, you can do so here roi.poc.fulfilment@hsbc.com. It definitely works, as I have emailed them my LBA and complaint letter and they have received it the next day.
  11. Hello, I purchased two baby pushchairs on Amazon from two separate retailers last March 2017. Both prams developed faults after 6 months, which was documented in emails to the manufacturer Cosatto, who told me each time how I could make the repairs myself. I didn´t make the repairs as, after subsequent faults appearing, I went back to the retailers on Amazon (Babyland Fife Ltd and Online4Baby, who say after 4 months they are no longer liable for the warranty or a refund, and that I have to take it up with the manufacturer. The man. (Cosatto) say explicitly, that they have nothing to do with it, it´s a transaction between me and the seller. I have been going round in circles about this between the retailer and Amazon since May 23rd. Finally, Amazon said they could do nothing as the products are older than 120 days. What is the best thing to do please?
  12. Hi all, I wonder if there is anyone that could advise me in a pressing matter. Below are the details: Myself and two others held a lease for a commercial property between June 2012 to June 2017. In 2015 upon the breakdown of the business we had agreed with the landlord to surrender the lease and hand back the keys. The keys were handed back amicably however we were foolish in not signing any documents and neither was any provided or suggested. Until this time all business rates had been paid and settled. In the last two weeks a letter was received at my parental home (where i resided at the time but have not been for the last few years) about a liability order that had been at the Mags Court. This letter was handed to me via a family member and this is the first instance were i learnt about any of this issue. I immediately called the local council and told them the facts who had informed me that the landlord had informed them that we were liable for the business rate payments for the period of August 2015 until June 2017 (beginning the the circa when the keys were handed back and end of the original lease) I advised the council that the lease was surrendered upon agreement with the landlord and there was no paperwork besdies WhatsApp messages providing undoubtable proof that there was an agreement and the keys were given back to such extent the landlord requested the keys so that he could put it back on the market. I sent the council copies of the WhatsApp messages to review and explained the circumstances. They did not respond to this. Earlier this week, a family member called me to inform me that an Enforcement Agent had visited my parental address looking for me. The Enforcement Agent was informed that i do not live at the address - he spoke to a 15 year old 'minor' and left some correspondence. I was supplied with this Enforcement Notice and proceeded to call the Agent informing him that i did not reside at that address and asked him why he had spoken to a child to which he replied he was not aware and then claimed that this is the address that they have. I complained and asked him why a sensitive piece of correspondence was left in the knowledge that i did not reside there and i currently have no fixed abode. I also questioned him on their registration with the Information Commissioner (i am a Data Protection expert) and noticed that the company Onesource was not registered and in a number of places are non-compliant with Data Protection regs - he immediately hung up. I proceeded to contact the business rate team and asked them if they had reviewed the WhatsApp messages to which they replied they had not but would not review them as they do not think it is sufficient but asked me to speak to the landlord and get some documentation. Having spoken to the landlord he refused to acknowledge that we had agreed to terminate the lease and would not speak further. However, upon reading 'implied surrender' there is no doubt that the nature of the messages provide outline that 'the agreement is inconsistent with the continuation of the lease' as such there is an 'implied surrender'. I again messaged the council and asked them review the messages as there is no prescribed method for an 'implied surrender' if they are not able to do so then they should escalate. This is all in addition to a notice to the Information Commisioner with regards to the data processing activities which are non-compliant and subject to substantial fines. My family members at my parental home (whom i have little contact besides a younger family member) are as far as i am aware working on a Statutory Declartion to advise the council and enforcment agent of my non-residence. I did not receive any correspondence from the council or courts as i do not live at the address and any that was sent there was likely returned or destroyed - i do not know. I have tenancy agreements for residences that i resided over the last few years but do not want to provide them. As mentioned at this time, i am living with some friends and couch surfing whilst i find a place to rent. I have not assets or cars or anything of substantial value - not even a TV in my name. Additionally, I am no longer in touch with my business partners and do not know exactly where they live. They only have my address. The business was run under a Ltd company (now dissolved) but the lease and business rate were in individual names. Is there a way to appeal to the courts? or the council? What are my options? I would appreciate any advise you can give me.
  13. I intend to get professional legal advice on this as I'm making my Will, but I thought I'd test the water here first. Please don't ask questions about the reasons for my wishes, it is a complex situation and I don't want to discuss it. Circumstances: I own my home outright, I am the sole owner. I bought the house outright with no mortagage and only my name is on the deeds. My girlfriend moved in with me when I took possession and a few months later her son moved in as well with my agreement. They are both named on the Council Tax and have bank accounts and mobile phone bills at the address, her son is an adult and out of full time education. All other bills are in my name only and my partner makes no contribution to the bills nor has she contributed anything to the maintenance or improvement of the property over the 6 years we have been here. If my partner does a food shop alone she uses my credit card account which is in my sole name but she has a card as 'Mrs Homer' so it's not actually in her own name. As we are not married and according to information I have been given, my partner has no legal claim to the property at all upon my death. I have checked and that does seem to be correct, despite some people saying common law rules apply, which I understand to be false. I intend to write a Will which will bequeath the property, savings and goods to my sister and her children, with advice for the house to be sold. My question is: Can my Executor give notice to my girlfriend and her son to move out so the property can be sold and do they have to comply? My intention is to Will an amount of money from the sale of the property to my girlfriend's son to help him get on the housing ladder and the rest of it to go to my Sister's family. Nothing will be bequeathed to my girlfriend, so she will have to make her own living arrangements (I am sure that will be with her son). It doesn't sound too complex but I wondered if anyone had experience of this?
  14. A friend has asked me the following. He saw a car on the internet and without looking at it he decided to put a deposit on it £1,000. Next day he changed his mind the dealer has said the deposit is non refindable. What are his rights on this he paid by debit card his bank is Nationwide. Thanks
  15. 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 feeling isn't worth the hassle for £25 but I am furious! They didn't even try to help or contact Royal Mail or file a lost item case at all. I have asked at the delivery office and nothing is being held for me there or misdelivered to neighbours. Non-delivery can only occur when a seller receives payment and fails to ship the buyer's order. It seems that this purchase has, in fact, been shipped by the seller. If the shipment hasn't been received, it may have been lost or delayed in the mail. We realize this type of situation can be difficult for all parties involved. However, Etsy is unable to hold a seller responsible for shipping delays or errors, as long as the seller is able to prove that they shipped the order. As the seller has provided sufficient proof of shipment, we must close this case. Although the case is closed, you're welcome to work together to resolve this transaction outside of the case system. We recommend that you contact the shipping service for assistance with locating the package.
  16. Good Morning I am looking for some advice and support as now really fed up! To cut a long story short, self employment ending in March, role I was in was made redundant... received JSA for approx one month and then found a role as document collection agent via Job centre website on a self employed basis. Started part time first month and was paid, second month increased my hours and to date the company owe me £990 (approx 6 weeks) Invoice was due for payment this week, so early days I know, but all attempts to contact them have been ignored, and all the director has said is that they are 'playing catch up due to Jubilee weekend'!, .. . subsequent attempts to contact them have been ignored. This is where my heart sinks as I did some on line research as alarm bells started ringing and it appears there are other field agents, being owed money, I just do not know what to do. Should I prepare a letter before action and need to know what agencies I should inform about their practices? Above all I need to get monies owed to me..I cannot afford to carry on. If needs must and I have to apply for JSA , how would I stand?. .they have not sacked me and I guess the role is still there!.. but talking to an agent who has already instigated County Court proceedings and won by default, payment has still not been made., so I am not prepared to take on any more appointments. Apologies for going on , but am pretty fed up this morning. moving on
  17. Hi there, looking for some advice on how best to handle this situation. We bought a new house, but rented it for 3 months prior to completion. We did not live in the house until the completion date, so the gas and electricity meters were started that day, with OVO energy, which was the same meter readings given by the previous owners, when they left. Unbeknown to me, the previous owner had given Eon (her supplier) my name and they have been contacting me to pay just over £300. I have spoken to EON on the telephone, to put them in the picture and have returned emails, but they kept sending the demands. They have now sent it to Arvato, who have strangely said that the balance is £40 They obviously have no signed contract or anything from me, as they only know my name from the previous owner. What is the best course of action? Thanks in advance
  18. Hi My sons moped was written off after a van reversed over it - non fault He has been receiving letters from his insurer asking for the outstanding premium to be paid, I havent been in this situation before and unsure of - If the remaining premium needs to be paid If the at fault party should cover the unpaid premium is there anything I should be doing instead Thanks in advance for advice
  19. My son has a Mk 4 VW R32 ,( Fast Golf ) and as well as being a long term project in keeping it standard and in tip top condition ,it is also a money pit , but he loves the car . His latest project came about because of a leak from the sun roof ,. The leak caused staining and other damage to the head lining ,so having replaced seals to the sunroof , using the cars VIN number he ordered a new headlining , which was special order from the factory The replacement head lining material is not a match to the rest of the interior trim ,” A” posts “B” posts and sunroof inner panel etc , VWs answer is that there may have been a specification change to the head lining , and could not guarantee that if he ordered the rest of the interior trim it would match the finish of the headlining . Here is the crunch ,due special order , VW will not accept return , even though there is a mismatch with existing interior trim . There was NO indication on the official VW parts list the dealer used to order the headlining to indicate that there was a change in specification or material type ,so at present my son has shelled almost £400 for a useless part . Not fit for purpose ? or any other reason we can persuade VW to accept return. It is a awkward situation as my son has ( up to now ) a good relationship with the dealership , having bought many parts to keep his pride and joy looking its best .
  20. I would be grateful for some advice from you guys regarding an on-going matter I have with a company called Park Watch. I was using the car park at the One Stop Shopping Centre in Perry Barr Birmingham and dropped someone off in an area which the company claimed was for busses only. They then wrote to me and issued me with a Parking Charge. I was going to pay it until I decided to Google the company and found that someone else (markavfc) had had the same experience and with your guys help had had the fine rescinded. Following his lead, I wrote to Park Watch saying that I would not be paying the fine along the following lines: With reference to your recent letter reference number ,,,,,,. As the keeper I will not be paying this so called charge as there is no contractual obligation and you have not complied with schedule 4 of the Protection of Freedoms Act 2012. I heard nothing from them for 3 weeks and then I received another letter claiming that I hadn't responded to their first. I think this was due to them changing addresses but with companies like that it might have just been another tactic. Therefore I responded again with the following: Dear Sir or Madam: Parking Charge Notice ..... I received a letter from you dated 28th June 2017 pertaining to the above matter. The address I was given to write back to you was given as: Park Watch, Payments Department Suite 12, The Shippon Church Road Dodleston Chester CH4 9NG I wrote back to this address on the 8th July accordingly. A copy of the letter is attached for your convenience. I received a letter dated 27th July indicating that the parking charge is overdue. However I did not receive a response to my original letter and I await one at your earliest convenience. Please note as stated originally, as the keeper I will not be paying this so called charge as there is no contractual obligation and you have not complied with schedule 4 of the Protection of Freedoms Act 2012. I have today received a very odd response from them which I will attach and would welcome your advice on how best to respond. I look forward to hearing from you
  21. I sent a SAR off in July and have now received a reply from Egg that they cannot trace me and has my name/address changed. Well no it hasn't and they are the first company to have this 'problem'. They want me to provide all sorts of evidence including a valid account number (obviously I don't have this as I would have provided it) details of previous names/addresses and proof of my DOB. Other companies have just supplied the information where I don't know account numbers so shall I write to them again advising nothing has changed and I will be complaining the the Ombudsman if they do not respond within another 40 days. They do say they have destroyed my cheque as there is no charge for this service.
  22. Hello, I usually hang around on the rental section, but Mrs Carpet cleaner is having and ebay problem, it is this.. She bought 2 jewellery rings from a seller based in UK, she duly received a small parcel and it only had 1 ring in it, as this was a few days early from the expected delivery date she waited before getting in touch. On the expected delivery day she got in touch with the seller, and said that she had received 1 ring, but the parcel had nothing else in it except for a small plastic bag (empty) and that the parcel had not been ripped or opened. She promptly received a message back telling her that she must have dropped the ring and to look properly... Also that they have CCTV and record all packing of envelopes and can prove that the parcel was complete (utter bullpoo I think) .... Now Mrs carpet cleaner is not stupid, she knows what arrived... and wrote back and told them so.. they then threatened her that Royal mail take a dim view of people accusing them of losing items in the post. Mrs CC then reported the item as not received and has to wait 8 days before going any further with it.. BUT today we received a letter to be signed for from our usually jolly postie... A bit sticker on the front in bold print states: Signature required Mrs CC (full name given here) is claiming that items were stolen from her post in December.... What the hell can we do about all this?? Cheers, sorry it is a bit long winded...
  23. HI I am getting a lot of grief from mercantile credit. I got some money back from a PPI using an agent and agreed to pay them an amount. I did not receive the invoice i got threatening letters from Mercantile saying they had taken on the debt and were taking me to court and coming round my house ( from Liverpool) I panicked and wrote to them saying i will pay the original invoice but not the charges added as i had not received the invoice. They would not accept my dispute i paid £110 and agreed a repayment over the phone of £100 a month for the next 3 months. I was supposed to pay 30th September but didn't now they are threatening me again. Who are mercantile ? What can they do? Thanks
  24. I recently stumbled upon this https://www.rightsnet.org.uk/forums/viewthread/11714/ i did little research myself and according to this http://www.legislation.gov.uk/uksi/2015/437/pdfs/uksiem_20150437_en.pdf The DWP would appear to be correct in its decision re non-entitlement of payment ESA @ assessment rate from unsuccessful MR decision to tribunal hearing decision they have some how managed to make it law that any person can only be paid esa @ assessment rate (same as IR JSA) from unsuccessful MR decision to Tribunal hearing once only during their entire lifetime, regardless of a significant worsening or even a new health condition? i don't see any reference to any time limits, can someone please clarify this, surely this can't be correct? especially if the DWP accept there is a significant worsening of an existing condition or there is a new condition
  25. Would someone please kindly point me in direction of some recent schedule of costs examples for circumstances like this? Thanks
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