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 risk at least that much in costs? As the title says, their customer service staff either need some urgent training or Currys are idiots. It is so tempting to take them at their word ....

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 settling in process. Being new parents all of this was very important to us. We felt happy with our decision, read through the policies and procedures which detailed the above and signed the contract along with paying the deposit. Unfortunately none of this materialised when our child attended the nursery. Two settling in sessions were held where we dropped our child off for 2 hour periods. We did not meet the key worker nor did we receive the information sheets - given it was for a short period we didn't question the report sheets however we did question when we would meet the key worker. The key worker allocated was on long term leave with no immediate date of return so the other workers would chip in and help. We therefore did not have the chance to bond with a particular individual at the nursery. I should mention this nursery has children of all ages mixed together in one room. After this our child spent 2 full days at the nursery. Both times we again did not meet the key worker, communication was poor, no report sheets provided and therefore at pick up no-one could give us details of what our child had eaten/drank/nappies changed etc. This was not the service we were promised when we signed up. We were feeling very uneasy and wanted reassurance so we asked for a meeting with the nursery manager. The meeting got unnecessarily heated. The manager felt attacked by our concerns and was very defensive. It was confirmed that the production of the daily report communication cards had been halted for 2 weeks due to the hot weather - something to this day which still baffles us. This had not been communicated to parents. Additionally the allocated key worker still had no return date. At the meeting it was clear the relationship had broken down and the manager confirmed the nursery was not right for our child. We followed up with an email later that day confirming our child would no longer be attending the nursery. I should mention too that during all of this we received information from an ex worker there that safety standards were not being met (child to adult ratios), poor hygiene was observed (feeding babies with same spoon at mealtimes). This person has chosen to remain anonymous however a complaint may have been submitted to Ofsted by them - something I am unable to confirm. This information coupled with our experience clearly resulted in a loss of confidence in the nursery. Monies - we had paid over 500 pounds on what ended up just 2 days care (48 pounds per day). We requested a refund due to the breach of contract as they did not deliver the service they agreed. Within the contract they request one months notice and we would therefore not be entitled to any money back. A goodwill offer of just 150 pounds was proposed to us which we reluctantly agreed. When I have chased for the monies a week later they have responded confirming they have changed their minds and they will not be refunding any money to us. Clearly frustrated I feel I have a case to pursue this however would like some advice. Thank you in advance for your help on this.

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 to smell as a result. So when we noticed after a couple of weeks that the carpet still hadn’t dried out properly we then found that the flush pipe that went into the back of the toilet wasn’t fitted properly either. So again the same guy who did it all came out fixed it or so we thought. Again the carpet failed to dry and then we noticed it was coming out from the bottom of the cistern, the guy had forgot to put a washer back between the Cap That screws the flush pipe in place. In the end did it myself no problems. fast forward various other things going wrong being fobbed off as by letting agents. It’s led me to question the room size of a third bedroom. Currently we have two children boy and a girl aged six and four. My son is horrible to his sister and frequently makes her cry . He’s recently had a diagnosis of ADHD and now medicated, so ideally would like to put in his own room. We have lived in the property five years and never used the third bedroom except for junk. We came to fit a bed in there and nothing else will fit. Not even a chest of drawers. Have we been mis-sold a three bedroom house when in fact it’s only two what is the minimum area to be classed as a bedroom. Because just the bed isn’t very practical. The bedroom ones was a lot larger however it looks like the bathroom has been moved from downstairs, upstairs and cut this room and half to accommodate it. I keep googling and seen HMO been 70 ft.² but didn’t know if Applied to residential places as well. Wondered if people can help and advise me Thanks

Poor reporting by the BBC. http://www.bbc.co.uk/news/business-43912327

'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 to do anything as their terms state it's not a fault free service so if I want to go elsewhere I'll need to pay the fees.

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 first UC payment. Although still not great it is certainly better than before. So the question needs to be asked, and someone in power needs to ask it, WHY WAS THE INITIAL POLICY IN PLACE ALLOWED TO BE PASSED? I am certainly (as a new UC claimant from 2 weeks ago) going to contact my LA and ask the question whether I am entitled to this 2 weeks HB as what is classed as a 'new' claimant given todays budget news? Does it mean from today? last week? a month ago? define 'NEW' I am still £95.41pm worse off under UC than ESA and HB but I would not have been so ill or stressed knowing I had less of a wait and some HB to tide me over plus a full advance. Yes, UC has made claimants ill - I am one of them!

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 clearly a satellite signal issue. (I went through all the troubleshooting, replaced every single cable etc) I wanted the engineer visit to be complementary as I am effectively paying a subscription for something that doesn't work properly. Unfortunately the Sky advisors I spoke to just responded like robots with generic responses that didn't help and the bottom line was that I had to pay a call out fee. Part of me now wants to cancel and move to an alternative provider as I think it is poor that I am paying a hefty monthly subscription whereby half the channels don't even work and the only way they can attempt to resolve the signal problems is for me to pay yet more money for an engineer. Surely they are in breach of the contract. I think I only have 2 months left on my contract. Would I have the right to cancel this without being charged a cancellation fee based on the circumstances? I would be interested if anybody has had any experience in a similar scenario. I completely agree that if for example my box was damaged then it would be the responsibility of the customer, but when the signal sky are providing is of poor quality, surely the onus is on them to fix this as per the service I pay? Thanks in advance.

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 and delay made by HSBC bank, I was pushed into very worst situation. I had come across lots of confusions and lost my reputation around my family and friends in my native place. The beneficiary did not receive my payment for more than a week, wherein I have received the confirmation papers from HSBC about my debits. I thought it’s a problem with beneficiary account and was in confusion. I waited for few more days but the situation was same, beneficiary lost the trust on me which I promised them to help on his emergency. They thought I did not do any transfer and I am just saying. I thought they have received the payment and they are kidding me. Later the situation went worst with multiple arguments between us. And I was really ****ed off and called HSBC on 8th September and I got to know my payment was kept on hold for some review. And I was completely upset and disappointed because of the bank issue it had created lots of problem in my personnel life. I explained them the situation, also I have questioned them why it was not informed to the customer when they keep their transaction on hold and there was no proper response from them for my queries. The customer executive promised me someone will call from payments team within 24 hours as this is an emergency transfer. But nobody had called me within 24 hours from the time I called them. I hope they tried to reach me after the timelines that they have promised to me but I couldn’t pick that call. Later no call back from them and emails from them. By this time I have lost my peace and my reputation was already spoiled with my people, as I couldn’t help the emergency situation; I couldn’t keep up my words and promise, Moreover my relationship bond with the beneficiary was broke because of this. I was completely upset, mentally stressed and hurt. Even after a week later there was no update from bank, I called them again on 13th Sep the situation was still the same, and they collected some information to proceed with the transfer. I have given all the information they wanted from me. That time my only intension is to prove the beneficiary that I really tried helping them. After providing all the information to the bank I requested them to release the funds as quick as possible. But no luck with that calls as well. I have called the bank again on 16th Sep (not sure on this date) to check the status and it was told by them the information’s that they collected from me was not good enough to release the funds, which made me mad. I questioned them then why did they collect those and when they feel it’s not good enough why can’t they collect the required information, but again no response. Later I told them to cancel the fund and put the money back into HSBC Advance account which got credited on 20th September. In between I launched a complaint also in HSBC around 13th Sep and I got a response for that complaint on 6th October 2016 almost a month later… Meanwhile I have arranged the funds in India through different source by paying the extra excess interest. And for almost a month I was mentally stressed because of the problems I had with the beneficiary as they are very close relation with me. I was fully upset and couldn’t concentrate on work or anything, which could have led me to life damaging event. And to solve these issues I have travelled to India on November by taking leaves.. And I have filed complaint with Ombudsman in November regarding this. After collecting all these information and multiple reviews they have come up with saying 250 GBP can be paid as compensation. But before even filing with Ombudsman, HSBC staff called me and tried to convince me with the compensation of 30GBP, for the situation that I have been put through because of their mistake. I detailed him because of the bank mistake what all issues I have faced and moreover I have arranged the fund in my native to help the beneficiary by paying extra interest money along with the principal fund. Then he tried to convince me by increasing the compensation by equalising with the extra interest I paid in my native, which is 120 GBP. I did not accept. But Ombudsman Took almost 9 months to drive and finalised 250 GBP, which is not fair. Here no body has considered because of bank mistake how much it impacted one personnel and professional life which has put them on mental stress, loss of relationship, loss of reputation, more I have spent extra amount on arranging funds in India, I have travelled to India on my own cost, I have used my vacation leaves for this purpose, I feel all the above factors to be considered for compensation. I have spent almost 350 pounds for my air tickets, 242 pounds as extra interest in India, ten days of salary 1000 GBP, so total of 1592 Pounds I have spent for fixing the issue, But the pain I went through for that duration, which damaged my life with loss of reputation, loss in relation, mental stress, all these are to be considered. Please advice on this

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.

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 assistant witnessed the poor quality. I decided afterwards that it was not good enough and I just wanted a refund as time was ticking on the wedding and I was worried that it would fall apart on the day. They offered to sort it out which I rejected due to inconvenience. I sent them an email and then an official letter quoting the consumer goods act, how they had breached the contract and that the store assistant had already agreed that it was unsatisfactory quality. The owner is continuously saying that it is satisfactory quality and the manufacturer has offered to have a professional adjudicator prove this. They have said that I am not entitled to have my deposit back. I am concerned that they have fixed the dress since I went and that this adjudicator would not be impartial. What can I do next? I feel that the matter has been handled unprofessionally but we are arguing about what is satisfactory quality. For the price of the dress, I would have expected it to be perfect but it really was not good enough and I am a reasonable person. I work away so its really hard for me to get back to the shop to sort anything out. What can I do?

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 surprise there, he has never had credit) they refused to give him an authorised overdraft. He buried his head the sand a little longer and then finally took my advice to contact the Financial Ombudsman. HSBC initially denied to the FOS that he had made a call to them explaining his financial situation and asking for help but after we supplied a telephone bill detailing the date and the fact that he was on the phone for in excess of an hour they agreed that he had made contact. The FOS requested the conversation. However HSBC did not submit a recording of the phone call they supplied hand written notes. These notes failed to mention that he was experiencing financial hardship. Therefore the FOS said that he had no case. He stressed that he did state this in the phone call but the FOS decided that as it was not mentioned in the notes submitted by HSBC then that was the end of the matter. My son has paid in excess of £800 in charges on a paultry income and it feels that he has no redress against HSBC. Can they not be forced to submit the original recording?

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 heard contradictory theories as to when is best for me to repay the monthly amount. Do I wait for the monthly statement and pay it off then prior to the due date or am I best paying it off prior to the statement being issued? My theory on waiting for the statement is if I pay before this then my credit file will show my balance as 0 each month which, to some creditors, will mean they cannot establish if I am able to manage credit well as I have not used the account therefore they would be reluctant to lend me, in the future, a larger amount of credit. Any ideas on my best way forward would be appreciated. Darren

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. I`ve not been able to find anything on the companies house website - presumably the registered company is operating under a different name? How do suggest I proceed in tracking down this builder?

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 electronic patient records. This information is categorised as highly sensitive information as defined under section 2 (h) of the Data Protection Act and the Trust seemingly recorded this information unlawfully. Their response however is that the processing of this information was 'necessary for medical purposes'. The criminal matter has been long since disposed of in my favour however the Trust are continuously processing this information wherever and whenever possible. I am not clear on whether or not explicit consent was needed here. It seems to me it was. I should be most grateful for any input.

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 consumer rights? It seems like a very poor refund!?

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

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 includes an upgrade which is a joke), and a telephone package to make the various calls cheaper etc (blah, blah, blah) The latest bill they have charged me a 65.00 BT Engineer charge, which of course i'm disputing with them . . . tonight on live chat they've offered me 67.00 compensation, which of course i flatly refused and informed them i'll be sending them a letter before action notice and will let the courts decide on true compensation . . . and here is my request please guys . . . what steps do i need to follow to ensure I get what I want, which is a decent compensation and not a token fob off and the cancellation of the contract as it's left a bitter taste in my mouth and I no longer want them to supply our household . . . thanks in advance guys . . .

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

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 S7 edge came up with emergency calls only spoke to samsung live help (which were of no help at all) took the phone down to stoke (100 miles round trip) Samsung took the phone in and told me give us an hour to check it out, got a text telling me the phone is all sorted now, went to collect the phone to see the same fault, the advisor there then checked on a free website http://www.imeipro.info/ and told me phone was blacklisted, if I have any other problems feel free to go back and see her... Apple simply replaced and keep your phone working through out the warranty period, Samsung just didn't care

Housing prices out of reach, lack of affordable rents, where will the poor live ?

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 answered nor return my calls. The following week I rang his office tel, he answered and said my cargo was mistakenly shipped by Grimaldi, which was all lies. When I refuse to pay shipping cost, company withheld Bill of lading so that I risk losing my wife belongings inside the booth of the car; my wife complained, so I was compelled to pay for shipping a car I didn't like/want; pay clearing cost at the other end, demurrage, etc amounting to about £2000. And on top of that the car would need so much work done such as new dashboard, tyres, gearbox, handbrake repaired, body work, paints, etc which will cost me a fortune! I have sent text messages, emails and 3 letters to this company but no reply. I will appreciate with thanks any advice or suggestion.

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 request I return the payment less the agreed refund. I have not received a letter of apology nor a verbal apology from the company nor any other communication. I felt aggrieved and so ignored their requests feeling just deserts had been served. Now I am receiving letters from Judge & Priestly threatening court proceedings if I do not make the payment plus additional £40 charge and interest accruing at 0.10p per day. What should I do, this company treated me quite badly with poor materials and poor customer service.

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.

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 unable to confirm your order at this time and will email you soon when it has been confirmed" or well something along those lines at least. Anyway I was paitent waited till the late morning which is now for any updates as I was expecting this today.So heard nothing and then I got in touch with Customer service, asked about the status of my order, I was calm and explained in detail what happend, they were short but quick to pass me onto someonelse who could handle with my queries. When I mentioned that it specificly said "1 day delivery" they told me straight that they "doubt" it said that and was probably for dispatch instead. Which I could understand more if it actually said that, but it didn't so I felt like i'd been misslead and that apperently they "knew" what it actually meant or said despite me seeing it clearly worderd with the words " 1 day delivery" not dispatch. They then proceeded to ignore my other quires and asked me to end chat and fill out the survey. In regards with my other quries which were, with what happend with the system as it's not even able to send notifications out or update my orders status? Or will I even receive SMS notifications at least?? When can I expect to hear any updates??? And then from that service it got me thinking about how this kind of thing has happend before numerous times when we've orderd Cookers, and Washing Machines, Tumble dryers and all sorts from them. I don't know why Me and my family keep trusting them probably becuase I had hopes they'd improve and it was all just unfortunate circumstances but this has been too often now and I'm just rather peeved and needed to vent. Sorry if this isn't the right place or if my spelling/grammar is off, I maybe dyslexic but I'm not blind and can understand the meaning of the difference between the words Delivery and Dispatch. Honestly it'd be nice to know at least that I'm not the only one who's experienced repeated poor service so I feel less of a personal target by them even if it's unintentonal and just system/human errors. ~ Sincerly a foolish customer.

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 and gave no shocking increases in charges as a result, and in one of the cases resulted in a reduced premium with the difference speedily paid back into my account. I did not need to make any claim, so cannot comment on that side of their service. I left due to increases in basic renewal premiums/cost, parhaps due to the increased cost in customer service. No issues at all with leaving. and the 17 years NC was on the renewal offer and confirmation available for download from myspace on swiftcover. They also apparently confirm to other companies on request - per Hastings Direct.