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  1. I have just been told by Customer Services at Currys that they cannot discuss my claim with me, only my solicitor. Further, even though they admit that they have breached our contract and been negligent, they don't have to pay me anything in compensation. Apparently you only get damages in court if you're injured. After I informed them that I was recording the call, I have the poor girl saying that of course if she's wrong Currys will pay all my costs, including the solicitor. So for the sake of a claim for a few hundred pounds, Currys are willing to ri
  2. Hello, We have had a terrible experience with a local children's nursery and I wanted some advice before I submit a case to the small claims court for a refund of our fees not used. After researching various nurseries we chose this particular one which ticked all of the boxes for us. A relative worked there, we were assured at the initial show around that communication with parents is key and a sheet is filled out daily containing all of the details of the day (food eaten, wet/soiled nappies/milk consumption/activities). A key worker would be allocated so we could have a smooth
  3. Hi all, I was told that this site may be able to help. We currently Rent via a letting agent who to be honest isn’t the best. Neither is the landlord of the property after we had a lot of bodged jobs doing we have had to rectify a number of things ourselves. Example of this was the toilet cistern been replaced which then leaked from the restrictor valve which was fitted. They came back and bodged it again the valve still leaked, finally The guy listen to what we said about the leak and found it . The carpeted bathroom (terrible idea carpeting in bathroom) was saturated and started
  4. Poor reporting by the BBC. http://www.bbc.co.uk/news/business-43912327
  5. 'm having an ongoing fault with o2 in that the mast is down! I first reported this issue on the 5th October. Since then, I've had further updates on ; 12th October 18th October 25th October 1st November 14th November 28th November 12th December 10th January 23rd January All these updates state that they are still looking into the issue and will be in touch soon. I was told to get back in touch today for an update and it's now going to be continuing for an unspecified amount of time I have had my airtime credited for this month however complaints are unwilling
  6. After the news in today's budget and the back tracking on certain UC policies it seems that if it CAN be done then WHY WASN'T IT IN THE FIRST PLACE? Originally, if you transfer from another benefit or a new claimant - NOT A PENNY FOR 6 WEEKS apart from an advance of 50% when claim approved Now: - No 7 day waiting period on new claims - Advance now full amount (not 50%) paid back over 12 months instead of 6 - Previous HB claimants now get 2 weeks grace on HB from their LA when claiming UC So all in all no waiting period and a 2 week HB grace and a cut in time for your fi
  7. Hi I have had a Sky subscription for the last 5 years and just recently I am experiencing some satellite signal issues on certain channels. The picture just glitches and I receive an error message stating 'no satellite signal received.' When checking the signal strength and signal quality in my sky settings, the bar is virtually at zero. I have contacted Sky about this and they have notified me that I will need to pay £30 for an engineer to come out because my box is out of warranty. I advised the customer services that it has nothing to do with the box and it is clear
  8. Hello All, I would request someone's help on how to proceed my case in the court. I have made overseas funds transfer from my HSBC account to one of my Indian friend account on Sep 1st 2016. I have received the confirmation from HSBC about my debits to my address but the transfer did not happen from their end. I understand there are some processes they have to follow it, but I feel which is not properly streamlined and it’s really putting the customer into frustration. It was an emergency situation that I need to support financially through this fund, but because of the issue
  9. A client of mine has an overpayment that's arose from a grey area due to having long-term mental health problems (the latter is what he is using our service for). Councils seem to vary with how they handle vulnerable adults, has any one any advice or central information? His health has deteriorated and he is worried about further action. He receives income support, HB and CT reduction.
  10. I put a £900 deposit down on a dress in October 2016 with a small wedding dress shop. I signed a contract that said that it is not possible to have a refund of the deposit. It was ordered and when the dress arrived in March, I went into store to try it on. It had loose threads and rows of beading falling off the front of the dress (costing £1700 in total). The store assistant apologized and said that it was not good. I left the store and the dress in their care and said that we would try and sort something out. I had to leave and I did not take photos. A family member and the store
  11. Hi, my 19 year old son who has recently been diagnosed with depression got himself into a muddle with his banking due to inexperience and the ease of contactless payments. He was paying charges of £80 per month for the majority of a year and was unable to get himself out of the financial mess he had got himself in. Once I became aware I advised him to speak to the bank HSBC and ask them to give him an authorised overdraft so he could limit his charges and get himself out if the situation he found himself in. He contacted HSBC and as he failed a credit score (no surpri
  12. Hi Folks, I'm a 45 year old male who is at the start of a very long process in rebuilding my credit score after years of poor credit management, pay day loans etc caused by gambling (now in remission!). All my creditors are being paid back on time each month as agreed. In order to help rebuild my credit I have managed to acquire a high interest rated credit card (Ocean by Capital One) with a basic limit of £200. I'm going to be using this card to pay for my petrol each month (no more than £130 per month) and obviously pay off each month in full. My question is simple, I have hea
  13. About a year ago we had some building work done which has now turned out to be sub-standard. I have tried to get hold of the guy, but his home phone and email no longer work, and I suspect his mobile number has changed also. All I have is a name, a bank account/sort code, and a post code. With the beauty of hindsight I should have never used a tradesman who didn't put his full address on his paperwork. I have done a WHOIS lookup on his website, and I have a registered address from that, which is different (but close) to the "contact us" details on the website.
  14. Dear all, I unfortunately suffer from chronic depressive illness and have done so for many years with the condition significantly worsening over the past few years. In the year 2011 I had been subject to police investigation. I attended a police interview on a voluntary basis. Due to my debilitating depression I had an appropriate adult also attend this interview who I understand was a social worker at that time. The social worker, without my explicit consent, went on to record the details of the alleged criminal charges I faced on the NHS Trust’s IT system and within my
  15. I was thinking of watching a movie the other night and went on blink box added it to my account and then realised that I had already seen it. I asked to cancel the movie without having watched any of it, they know that. They have offered me what I think is the worst refund I have been offered!! And for a virtual product!! They want me to choose another movie of the same value within seven days or the credit will expire and my money will be gone!! I have contacted visa debit and they have told me that there is nothing they can do, but do I have any options when it comes to my UK cons
  16. Guest

    Poor Credit Rating

    Hi everyone After years of struggle and bad choices whilst being young, all of the defaults and old accounts have dropped off of my file. I was happy about this but I have just checked on clearscore and my score is still extremely low 313 ... can anyone tell me why? I haven't taken out any credit until a recent £500 PayPal credit. Please see screenshots attached (with private info cropped) What can I do to improve it? Many thanks
  17. Hi caggers, Please could you advise my next step, absolutely at the end of my tether!! We had TT installed at our new house approximately August 2015 and also had broadband . . . alas there was a crackle on the line from day 1 and after a few days i contacted TT to tell them . . . they sent an open reach engineer out and although his report was credible it didn't resolve the problem and so it continued, month, after month, after month until now when finally they appear to have sorted the problem out!! After paying them approximately 50.00 per month for calls, broadband (which also
  18. Hello I'm new here, but just wondered if anyone has experience with successfully challenging and overthrowing an ombudsman's final decision. The Financial ombudsman has made lots of poor excuses and failed to look at the significant evidence that yes car credit/direct auto have mis sold ppi and other insurances without permission. Many thanks if u can advise
  19. in the past I was total apple iphone only upto the 6 I would replace both my handset's every year with question until they released the 6 so thin it looked liked the camera was superglued on the back such a bad handset (hopefully the new one will be better) I always buy my phones second hand to save on money, in the past I have purchased an iphone that got network blocked, I took the handset back to apple who told me the phone was blacklisted in the UK but not to worry and promptly replaced the phone with another without any questions what so ever so a few days ago my wife's Samsung
  20. Housing prices out of reach, lack of affordable rents, where will the poor live ?
  21. I contacted a freight forwarding agent(FFA) to ship a car oversea. But on booking the car at Port, I noticed car is not road worthy, I bought said car in the evening so I didn't observe its true condition. So next day after booking I ring seller requesting for full refund, he accepted. I then ring FFA to cancel booking, he hesitated, I then ring shipping company, Grimaldi directly they said I could cancel it as my request is early and ship will depart in about 12 days. I ring back FFA and insisted he said ok but did nothing. After a couple of days I rang FFA repeatedly he neither answe
  22. Hi, I purchased some marine plywood from a merchants for my shed roof last september. It was delivered on a Friday, I put it up over the weekend. On Monday it was warped and useless. After inspection from their Area Manager and efforts to blame me for the issue, the timber merchant sent new material and finally offered a £100 refund. I had to tear down the new roof and spend another weekend and purchase additional materials to put up the second new roof in as many weeks. About a month later I finally received a refund for the full amount. Followed the next day by an email r
  23. I'm enquiring about claiming money lost on an ISA after poor advice from the bank. My mum and Dad lost thousands. Dad got I'll and died. He wasn't told about the risks. Mum is now struggling with a dramatic decrease in finances and this money lost by investing will be very useful in making her life a bit more comfortable. She's a pensioner and disabled. She did get a call from a company offering to sort it but they wanted 40%. Can you help or point me in the right direction.
  24. So the issue itself is kinda "resolved" as I'm told to wait up to 4 days for it to arrive. But I'm left feeling misslead with the information that was provided when I made my order, and anoyed that whenever anyone from our household orders from Argos it always seems to encounter an issue!? Basicly I orderd a game that was due for release today, and I chose argos as it stated specificly that if I placed it I would get "delivery within 1 days" shame that's not the case however. As it was only till after my payment had been processed did it give me the typical error of, "Unfortunaltey we're
  25. http://www.autoexpress.co.uk/car-news/65567/best-car-insurance-companies-2013 I'll add my own experiences with swiftcover through and beyond this period start 2013 - start 2015 It was initially very difficult to contact them if you had doubts or problems with 'self management' at the start, but by the end of my time with them, the email contact had improved massively and the responses were good rather than just a response referring you to the premium rate number as it was at the start. The self management online changing of features/cars was effective and penalty/charge free
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