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  1. Has anyone got any advice for claiming distress or inconvenience?
  2. Are Currys holding on to and delaying customer refunds. In my case they seam to me to be doing just this. I bought an item online and Currys agreed to collect it as it wasnt as described and didnt fit my needs. It to 8 days to get the collection and I was told that I would get a refund within 3-5 days. Unfortunately that didnt happen I tried to complain: - I tried to raise a PayPal claim but the email supplied to contact Currys on the PayPal site doesnt exist so email returned. - I phoned Currys to complain, as soon as the customer services person takes my order
  3. Hello. im new on here but ive been reading some of the threads with interest. In 2010 i took out a payday loan with Quickquid as my credit cards were maxed out at nearly 16k...... id just come out of a relationship that had left me financialy challenged. It was so easy to borrow from them ... had the loan and paid it off as planned. Anyway i had a 2nd larger loan when i needed work doing to my car....... this where it all went wrong because when it came to payday time i wasnt going to have enough money left to live on...... so i took out another payday loan with a different coma
  4. In mY 2016 i bought a PC from littlewoods, 156wks. i asked them today that i wish to pay my balance in FULL and enquired about interest refund, I was told NO refunds because the item was taken out on interest bearing terms? I asked them where on their T&Cs it says that items on interest bearing terms will not be interest refunded if paid back early, they said it doesnt, so explain to me WHY i am not entitled to a refund then??(2 years interest taken off balance)
  5. I joined this group about a year ago when a musical instrument I sent via Parcel Force arrived damaged. I knew that I could not get enhanced insurance on the item as it is on their list of prohibitive items for extra insurance coverage. But it is covered by the basic £100. (So I took the chance as I have posted this item to myself over a dozen times in the past with no issues as it was always well wrapped.) However, the response I got this time when things went wrong was terrible to say the least. I do admit I made my claim outside of the 60 days time limit (as I travel abroad alot), bu
  6. Hi, I bought a Woucher for a specific item (supplied by a third party which Woucher UK organise) which I then redeemed. The item was never delivered and despite emailing them and Woucher support, it never arrived. Woucher will not refund me my money as they say under their refund terms, I should have asked for a refund within 10 days of buying the woucher (i wasn't aware there was this limit, and had given the supplier the benefit of the doubt in supplying the item.) Despite many emails to Woucher support they would only refund my money to their 'Woucher Wallet'
  7. Hi, I have sent all my payday loan refunds claims off but I just have a few questions. I don't have any bank statements but I have my credit report. I attempted suicide because of my bad debt and I had over 19 payday loans in Sept 2011 so I chucked everything and buried my head in the sand. On my credit report it shows I had every month in 2010 - 2011 3 loans running at the same time every month. I have claims for all my loans in 2011. My quick quid loans I had 33 loans that's roughly over 7 per year. Do you think I have enough to claim back as most of my outgoings in them 3 years were to
  8. Hi All, I wondered if you can please help? Over the years, I have had literally hundreds of Payday Loans from lots of providers. Most of these have been used to fund Gambling. I was taking them out up until recently. They have all been payed back, using help from family members. I feel disgusted with myself for putting them through that. Although I take full responsibility for having a gambling problem, I believe I shouldn't have been lent to. I had loans that way exceeded my income at the time of taking out more loans, and still they lent to me. My question is, Can I ask for redre
  9. Hi, I wanted to see if anyone has had a complaint against a PDL upheld with FOS and in particular if FOS had recommended that the full loan amount was to be refunded. Typically they will advise to refund loan charges etc and looking through some of the cases it seems that FOS will state that the debtor had the benefit of the loan so this should not be refunded. I agree with FOS in a small way, but when it comes to a PDL lending 14-16 times in the space of less than 2 years then surely there is a case to be answered and that is would it not have been required of the PDL to confirm affordab
  10. Wow....One for the record books! HERE Source - Credit Today I'm mightily surprised about this! Time to get claiming folks!
  11. Is this all legit and above board? This is the sort of thing I mean; http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=84262 I have a similar issue with quickquid in which they sold a debt and all rights to a third party, but I think they have now bought it back and want to offset the balance against a refund I'm owed. I have noted that the debt is full of charges which would need to be removed. It seems unfair that they can do this as when they sold the account they broke the chain and their right to set it off against any future refund. And they probably sold it for a
  12. Hi Just received a letter from MAS 5 who are the current mortgage company, in which they say they are to refund me late fees from period between 2009-2015. Great But that the refund will go straight into the account? Can I do anything to get them to pay it directly to me? Please help thanks
  13. Wonder if they will refund the bailiff fees if the tickets went to bailiffs? Discuss. http://www.motoring.co.uk/car-news/council-to-pay-back-hundreds-of-parking-fines_66808
  14. https://uk.news.yahoo.com/motorists-entitled-refunds-over-wrongly-issued-pcso-parking-203555260.html#4TDwUhA
  15. Hi I was wondering if someone can help please. I have been trying to claim PPI refunds for my loans that I have with the Associates (Capital) Jersey Ltd. They date back as far as December 1999. I have 2 original agreements, and the rest are R62 forms on Associates Capital letter head. The R62 forms were requirements for tax returns in Jersey. They quote the associates account number and the amount of interest paid for that year. I have been sending letters for the past 2 years and have had no luck whatsoever. I believe The Asso
  16. Appears some airlines are offering to refund Child APD on flights already booked & paid for from May 2015. http://support.easyjet.com/apd http://www.virgin-atlantic.com/gb/en/travel-information/customer-service/latest-news.html
  17. HSBC is expecting to pay back $367m (£218m) of interest payments to some UK customers owing to mistakes in paperwork for personal loans. The bank has admitted to failing to include information in annual statements relating to the option for customers to make overpayments. This is required in the UK under the Consumer Credit Act. The bank outlined the provision in its results for the first half of 2014, but suggested no customers had lost out. A spokesman for the bank said there had been "no financial detriment" suffered by
  18. Hi everyone I've tried finding the solution to this one both in the ever-useful CAG forums as well as on various websites and consumer rights guides with no success as yet. Apologies if I'm covering old ground though. Long explanation begins.... I recently bought a mobile phone (sim-free) via an online website. I'm not new to online tomfoolery so I made sure I paid by credit card for a bit of extra protection. The phone was sold to me as being unlocked, new and unused. The phone was actually provided by one of the 'marketplace' sellers via that site, a Ltd company ba
  19. Problem is, that they are vouchers to use on the underground, and are only valid for 6 months. My annual travel card expires in 8 months, thus these vouchers are useless to me. Is it possible to reject them and demand a cheque?
  20. Customers of Yorkshire and Chelsea building societies to receive refunds of arrears charges in £8.4m windfall About 34,000 mortgage borrowers with Yorkshire Building Society are to receive refunds averaging almost £250 each after mistakes were made in the calculation of mortgage arrears charges. In all, about £8.4m will be paid to the customers affected, some of whom have mortgages with Chelsea and Barnsley building societies and Accord Mortgages, which are all part of the Yorkshire group. Borrowers will receive an average of £247. The group is to refund all mortgage arrears admini
  21. Customers of Yorkshire and Chelsea building societies to receive refunds of arrears charges in £8.4m windfall About 34,000 mortgage borrowers with Yorkshire Building Society are to receive refunds averaging almost £250 each after mistakes were made in the calculation of mortgage arrears charges. In all, about £8.4m will be paid to the customers affected, some of whom have mortgages with Chelsea and Barnsley building societies and Accord Mortgages, which are all part of the Yorkshire group. Borrowers will receive an average of £247. The group is to refund all mortgage arrears admini
  22. I got a tv off PH in Dec 08, and have paid almost £2000 (almost died of shock when I added it up) anyway a white dot appeared on the screen and also a coloured line down the front of the tv, so I booked it in to get fixed, and was told it could take upto 2 weeks for them to find out if it can be fixed or not. So phones them today (after the two weeks) and they said they still hadn't found out if it can be fixed, I asked what would happen if it couldn't be fixed, and was told they would find another tv around 2 years old same size(47inch) and pref same make, as they only give you a replacem
  23. Leading banks and building societies could be forced to follow Barclays, Northern Rock and the Co-operative Bank in forking out huge sums to refund interest payments to its loan customers because of problems with their paperwork. The Office of Fair Trading last week wrote to 50 banks and building societies informing them that they may have failed to comply with the Consumer Credit Act (CCA) when issuing arrears notices or loan statements. With billions of pounds in compensation having already been paid out following the PPI mis-selling scandal, lenders face another hefty bill
  24. I was recently declined a visa for travel to the US after I had booked my flight with United Airlines through an agency here in the UK. The date of travel for which I paid my fare was mid august 2013 yet I have to wait a further 6 months for my application with the US embassy to go through all the procedure before I can reschedule my holiday for next year. I have contacted United Airlines about this asking if I can have a coupon to spend with them within the next 12 months from the date I purchased my original ticket. As I bought my ticket through an agent they have referred me to th
  25. Hi all, I will keep it brief. I bought a car from BMW a few weeks ago, the price quoted on the New Order Invoice jumped a day later to include £2k of 'extras' that were added to the finance document! I didn't notice them until I had signed, but unfortunately for the dealer I did notice later on (after collection) and requested they be refunded ASAP. The products/services were: Tyre Insurance GAP protection Chip Protection and Gard X Paint protection crap (£500) The first 3 were refunded, the dealer refused to refund the last 1 as the GardX has already been applied appare
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