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  1. Hi, I received an email from my lease company in December, advising of a PCN with the reference number to login and view/appeal/pay etc. It was my son-in-law who had been driving and got stuck in a box junction. He logged on and paid the £65 fine. Then we received a letter from TFL that the PCN was going to be reissued to me as the lease company had provided my details. If the PCN had been paid then it would be reunded by CHEQUE. No cheque was ever received, and my son in law didn't notice the money be refunded into his account - it was a few days before Christmas.
  2. Hi I had ordered 3 dresses from an online company on 18th January. They didn’t fit so I returned them on the 22nd. The tracking code confirmed that the parcel was received by them on 25th January but they have not refunded me. I have sent numerous emails and only had one response saying they would investigate and I’ve not heard anything since. That was almost a week ago and I’ve since sent 2 more emails with no response. What else can I do to get my money back? The only phone number listed is a 0845 number and reading reviews, they’re not quick to answer so it wo
  3. I know this is only small change but we went on holiday in August and put a £50 deposit down on a caravan (private owned) this was to cover costs of any damage refundable upon return home as long as there wasn't any damage. It was forgotton about till I mentioned it to the wife in late October she checked her bank and noticed it hadn't been paid back so she text the women who was away on holiday out of the country till early December and said she would check herself when she got back. We got a text message on the 17th December apologising saying she had checked and noticed she hadn't
  4. I mentioned yesterday on the forum that since the new regulations came into effect in April 2014, the Local Government Ombudsman has dealt with 304 enquiries relating to a council tax complaint that involved bailiff enforcement, and 418 enquiries relating to a penalty charge notice (including congestion charging) that involved bailiff enforcement. The following decision has just been released and again, another local authority has agreed to refund bailiff fees an Out of Time witness statement has been accepted at the Traffic Enforcement Centre. The following is an extract of the deci
  5. Hi I had an account with Vodafone (never again) and the 3g just would not pick up in my area along with the 70 mile train journey between norfolk and suffolk. I mean I know its rural but really in this day and age. vodafone said no they can't do anything and that I have to pay the full amount to cancel (£557) blah blah. I disputed saying hang on you're not providing a service and they just kept replying with we only need to provide a service at your home address. Hang on a MOBILE phone and they only have to guarantee service at your home address, very stra
  6. Hi, I placed a part payment on a used car recently and am now unable to complete the transaction and would like my part payment back. I have asked the dealer directly and they refused and now need advice on how to proceed. When placing the part payment I was not made aware verbally or in writing that it was non refundable. I was given an order form where I filled in my personal details at the top and car details on the right and the salesman signed - but I did not sign. There were also no terms and conditions on this form or on the website stating deposits or part payments are n
  7. Hi Guys Long winded but will cut it down best I can, will start with the numbers loan 1 July 98 for £3000 PPI single policy of £443 added to loan (paid 46/60 payments) £144 of ppi refinanced by loan 3 loan 2 Dec 98 for £1400 PPI single policy of £198 added to loan (paid 39/48 payments) £50 of ppi refinanced by loan 3 loan 3 April 02 for £5000 PPI single policy of £1174 added to loan (paid 13/60 payments) £980 of ppi refinanced by loan 4 loan 4 may 03 for £7500 PPI single policy of £1762 added to loan (paid 11/60 payments) £1500 of ppi refinanced by loan 5 loan 5 may 03 for
  8. See here >> http://www.derbytelegraph.co.uk/Bailiff-tried-television-says-Derbyshire-landlord/story-28724803-detail/story.html From Scoop
  9. I appreciate any help and advice I can get on my case as I feel I have hit a brick wall with Vodafone. I will try and keep the summary below brief. In short I sought to upgrade my old 12m contract to a new 12m contract and upgrade my old iPhone 6 to a new iPhone 6s Plus. I placed a pre-order, only to receive a 6s and not a 6s Plus which was delivered around 5 weeks ago now. Phone was returned promptly as possible. Vodafone charged me for the upgrade via direct debit and have yet to refund me for the returned handset. Furthermore they have not rolled back my tariff as I was advised to ask
  10. In simple terms this is 1 of my 3 accounts, its literally used for a couple of direct debits that I want to keep separate. Having second thoughts considering I keep missing them. I had a direct debit come out this morning which I had forgotten about, checked my bank and it had been paid so I thought best transfer enough in so i'd not go overdrawn which I did. And being extremely cynical of banks I take screenshots of everything just incase. Interestingly I just checked back and that same direct debit has now been bounced and if you have a look at my screenshots fro
  11. Hello! I am surprised that no customers of Acenden/Southern Pacific Mortgages Limited have mentioned the recent refund of charges from SPML? I have been battling with them for years over what I believe to be overcharges and MANY others have made comments on the forums stating the same. We received a letter dated the 2nd of July from SPML, saying that they have agreed with the FCA that certain charges made between 1st of January 2009 and 31st of August 2012 were "found to be higher than the market norm" and have refunded the difference back to my mortgage account. T
  12. My wife put a claim in for PPI cover she paid on a loan from HSBC and also for a Credit Card. They have approved the loan but rejected the CC claim. Their reason was as follows : "Our records show that in DATE, you applied for an optional Cardholder Repayment Protector to protect your HSBC Credit Card. This policy is designed to repay 10% of the outstanding credit card balance for a maximum of twelve months in the event of sickness, accident or redundancy. Life cover is also included in this plan. The Policy Document and Product Information Pack explained how the po
  13. I recently purchased some office products from an online office supplier. The products were very cheap and the sale went through and money was taken from my account. The order never arrived and I contacted the office supplier who informed me that they have cancelled the order due to a stock discrepancy at the warehouse, and a refund had been issued. The products are still in stock by the supplier, but now at a much higher price. The question that I have are companies allowed to cancel orders once money is taken?
  14. I have been helping a friend over the past few months. They were struggling financially and asked for my help. They had been aware that I often post in various forums on CAG. But did not ask for my help until it was almost too late. The debt was a credit card from 02/02. Defaulted in 2007. Since I started to help them in early January '14 and I have written just 9 letters and 11 calls (recorded). Today I got an email from my friend stating that the account is now closed and will be marked as satisfied on their credit file, plus a nice amount of cash left in credit that was refunded by
  15. I have just received a letter from Barclays saying they offered a PPI refund in July 2012 for two visa cards but i only queried these on 30/09/2014. One is paid and closed but the other is defaulted with them with a balance of £1800 and they are offering £720 refund but they want to pay the full amount towards this balance. I also have a transaction summary from them and on it it says this account is unenforceable. My question is o i accept the refund and advise them i am offer it to pay the account off as a full and final settlement to get r
  16. I have recently contacted Nationwide regarding getting my bank charges refunded over the last 6 years, £760, they have written back to me asking me to complete an Income and expenditure form for myself and for my partner. I didn't include my partner in my letter as this is not a joint bank account, from my understanding I didn't think I was obliged to fill out a form of this kind unless a court has ordered it. If I do not complete this form, will it affect my situation? Thanks
  17. Hi everyone, I am new to the forum and would like some advice, I will explain the situation and see what advice others have to offer me. I moved into a flatshare in 2010. I was not on the tenancy to begin with as somebody was subletting to me. They then moved out and I was offered to take the tenancy over so I agreed. I was sharing the flat with 4 other people. When I signed the tenancy agreement with the landlord, he confirmed this was okay with him so I signed the agreement with him and gave him my deposit. The house was in pretty bad shape and I paid some money for improvements.
  18. I bought an item (via ebay & paypal) on 10th march, which was never delivered - seller disappeared. I opened an ebay case on 29th April, which has resulted in them telling me i "cannot escalate the case to a claim for refund due to expiry of Ebay's 30 day timeframes for submission" This is not a legal reason to deny my refund and Ebay are simply cutting down on their internal adminstration by blocking people from claiming refunds after 30 days has elapsed. I intend to challenge this by submission of proceedings against Ebay Europe SARL via the Moneyclaim county court service i
  19. More than 5,000 parking tickets will be refunded after "confusing" signs led motorists to park in bays meant for taxis, Westminster City Council said. The refunds, worth about £278,000, are for tickets incurred on dual bays along Oxendon Street, Jermyn Street and Conduit Street between May 2011 and November 2013. The signs put up in 2011 say charges apply between 08:30 and 18:30, but do not state that the dual bays become dedicated taxi ranks after 18:30. http://www.bbc.co.uk/news/uk-england-london-24950723 Details of how to apply for a refund are on West
  20. Hi I'm hoping someone might be able to give me some advice. Me and three two friends moved into a property in January this year. Our heating and hot water system never worked correctly and the landlord refused to give us a copy of the gas safety certificate. After months of wrangling with the landlord to try and get him to fix the heating and hot water system we gave up and decided to move out. We were only half way through our tenancy agreement and didn't have a break clause in our contract, so we had to ask the landlord to end our tenancy agreement. At first he refused, but
  21. Hi, Looking for some advice/input/opinions on this little brain twister of a problem. Looked at a vehicle on autotrader that was quite a distance from us, at the time transport that far was an issue. When i spoke to the dealer over the phone i waa told that the vehicle was 'mechanically perfect'. It was this statement that convinced me to buy the car. I paid a deposit by debit card, a large amount by credit card and the remainder by bank transfer. I then paid for the vehicle to be taxed with the credit card. I arranged transport and paid for it to be delivered by a third party.
  22. Hi, I booked a reasonably expensive hotel in the Maldives via ebookers which required a refundable deposit. Unfortunately, plans have changed and I had to cancel the hotel booking. They have promised a refund of my deposit but 3 weeks later no deposit has yet appeared on my credit card statement despite me emailing them repeatedly. What are my options?
  23. Hello All, I have a problem with ebay. A buyer opened up a case with ebay saying the item I sent him was damaged - in the resolution process I asked for video or even just a picture of the damage so I could email it to the courier company so they could go to his address and inspect the damage.Once the couriers have confirmed it was dmaged I was going to refund the buyer and not require him to return the item as the couriers would have refunded me and paid for the item...BUT the buyer wouldnt even take a picture nor let me have his phone number etc which is strange! After being away
  24. I sold to a buyer, buyer claims damage on the item. Buyer returns item but with expensive parts missing. I refuse to refund, ebay comes down on side of buyer despite the missing parts and now expects me to cover the refund. The buyer is dodgy as he has kept the expensive parts for himself!! what can I do about this as I am not happy having to refund ebay when I do not have the original items returned? thanks.
  25. Hi I purchased a laptop at the start of December and it developed a fault. So I took it to the retailer (Sainsbury's) thinking they would send it to the company for a warranty repair. Before I realised the staff member had refunded me with out informing me this was going to happen though their computer system. They now want the laptop and won't (can't maybe) resell the item back to me. I don't want to give the compute back because it was a very very good deal and I won't get another one like it or afford to buy something of the same spec. I currently have the laptop to remove pictures et
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