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Found 101 results

  1. Just into the New Year I obtained a second car for the wife. It was a 2004 mitsubishi carisma DID. Although it had 141K on the clock it was in immaculate condition and had a FSH. It was cheaper for me to change my single-car policy to duel-car than she take out insurance separately, so that's what I did. A week ago Thursday someone decided to steal it. I rang the police, who asked if there was any cctv. I told them where they could find it, and left it at that. I rang back a couple of days later to find out if there was any progress, only to be told that they weren't actually going to go around to these cctv owners without my first asking the owners to scroll through and see if they could spot the baddie's registration or face. Fair enough, but why not tell me this as the time of the initial call rather than 48 hours later? Since then I've discovered from one of the cctv owners that it was taken away on a white ford low-loader, the other owners are shop/pub people who said they would give information if the police go around but not deal with me directly. In short, I can't see me getting back the car. So to the insurance. How does this work? I've informed them of the theft but said I wanted to see how things played out in terms of getting back the car before I put in a claim. But I'm not sure it is even worth claiming for. I valued the car at £700, but the insurance people might not think it is worth it. Do they have to pay out what you valued the car at? Also, I'm liable for the first £400, so even if they did pay out on my valuation, I would only be getting back £300 - okay if that's all you can get back, but how much would I lose in no claims? Additionally, since I'm paying monthly, if they do pay out will I be obliged to finish paying off all the payments? If so, it definitely wouldn't be worth claiming if i can instead simply revert to paying only for one car instead (currently i'm paying £84 a month for two cars, it was £38 a month for just the one), but then again, would I be allowed to change payments if i don't claim, and could I also stop the payments on the breakdown coverage? Thanks in advance.
  2. Please advise Parcel2Go have lost a laptop I was returning to Argos for a full refund, They have lead me a merry dance with lots of excuses and won't compensate. What now please?
  3. HI, im new to this service so please bare with me. back in 2016 my partner signed upto brighthouse for a washer dryer combo, we paid £50 inital payment at the sign up and two payment of £30 a fornight there after. after a month had gone by and we still hadnt received the item in question we stopped paying. Shortly after this we had split and was going through courts for custody battle, so didn't have the time to chase this up In 2018 we got back together and decided to chase up the debt that brighthouse owes us, on febuary 22nd 2018 we spoke to a customer service agent who claimed to not be able to find my partner on their system. she then requested my details (in hindsight I wish id have never gave them) which I gave and was told they couldn't find me either which is no surprise. We waited until September of 2018 for a response, in which the woman who called and asked my partner for her personal information and ask for her permission to speak to me (which she gave) I was then told that the account was in my name not my partners (which should not be the case) the call lasted all of 2 mins from start to finish. after this call I rang in to discuss why the account was in my name and was told the exact opposite and that it was now in my partners name! I accused them of stealing my personal information and using it illegally and since then the account hasn't switched names again and it has stayed in my name they now claim not to have any information of my partners on their system ( despite having call recordings to prove this is a lie ) I have made multiple data access requests for all the call logs, a copy of the original agreement taken out in 2016 any and all information held in mine and my partners name all been ignored despite going about it legally and sending documents through e-mail (so I have a copy of all correspondence) and recorded delivery. The only aspect of which they addressed was the call recording and instead of giving me the full amount I requested I was given 3 from different points of my enquiry nothing more. I guess what im wanting to know is if there is anyone out there who has the same or similar experience with brighthouse if so have you any advice you could offer? oh I forgot to mention, according to brighthouse records I made 2 payments not 3 and the amounts don't come close to what I actually paid. they are stating I paid £23.10 and £10.78 which is BS as I never pay anything in pence I always pay up to the pound. Myself and my partner have both asked for her account information, and have been met with excuse after excuse and the claim that she doesn't have one despite being told otherwise on multiple occasions.
  4. Hi, I sent a parcel via MyHermes containing an Electric Guitar, MyHermes knew this was a guitar as I informed them of the contents and value before posting, I dropped it off at the parcelshop and the last I ever heard of the parcel was it was scanned into my local depot, I involved the police who said they couldn't do anything due to lack of evidence, but have suggested it's highly likely to have been stolen, but due to the item been on the excluded items list, they said I won't be able to get any compensation for a £500 item, I've filed a court case and went through mediation with MyHermes who offered me a sum below £150, I politely declined the offer and said I'd rather carry on with the court proceedings, they also said to the mediation person that they're confident I don't have a leg to stand on in court and are happy to defend, I want to know if this is the case? will I lose in court? surely they have to have broken some form of contract? they just keep blaming me for sending the item I don't know whether to contact MyHermes and see if they'll let me accept the offer if this is the case that it's highly likely I'll lose the court case, Thanks
  5. Hi, before Christmas I sent a laptop through Parcel2Go. I did not buy insurance because I usually think it's a waste of time dealing with claims if something goes wrong - and it has never gone wrong. Until now. They lost the parcel which I had to open a claim for, after which they found the parcel to my relief. Hermes who was the carrier, then tried to attempt delivery to the recipient and found that they were out (I have been in communication with the person I sold the laptop to the whole time). Hermes left a note ( I have a picture of this note) saying it was unsafe to leave the parcel anywhere - IE. the front garden . On the second delivery attempt, Hermes decided to leave it in the front garden ( I had to penetrate through Parcel2Go's chat system to gleam this information, as they did not leave a note this time!) of the recipient which happens to be in a dodgy London area on a main street (my recipient tells me, and sends me a photo too). The parcel goes missing, and I've had to refund my buyer for £240. I have already sent a 'Signed For' letter before action via Royal Mail to Parcel2Go and am counting down the 14 days. I would just like a bit of advice on what sort of grounds I have to go against them - I know that they have broken the contract by not delivering the parcel. And if it goes as far as court - some idea of what I need to go into court - ie an argument etc..
  6. Banks have admitted that thieves are able to use contactless cards even if they’ve been cancelled – sometimes months after being reported stolen. RBS, Lloyds, HSBC, Barclays and Nationwide admitted that a ‘weakness in the system’ can allow fraudsters to use cards after they have been reported lost. The ‘tap and pay’ cards allow purchases up to £30 without requiring a PIN number. The problem stems from the fact that some shops complete purchases ‘offline’, without checking with the card issuer if a card is valid. Instead of checking ‘live’, some shops store transactions and check batches at the end of the day, meaning that stolen cards can sometimes be used. The FCA says that if customers fall victim to this kind of fraud, they are entitled to get their money back. https://uk.yahoo.com/finance/news/thieves-can-still-use-contactless-cards-theyve-cancelled-banks-admit-103749226.html
  7. Hello, I’m desperately seeking help regard a claim with my travel insurance. Here is my situation: - Policy: Economy Light (attached) - Insure and Go is the insurance company - Incident while abroad: Money and travel documents stolen from inside our hotel room in Lyon, France, on the 1st night of the trip (22nd December 2017). Unfortunately they were not in the hotel safe. - Travel plans: The trip was originally organized in 2 parts: o 1 week in France: starting in Lyon (where the theft happened) and going to the south of France (Nice, Marseille and Perpignan) o 1 week in Morocco: Departure from Perpignan to Marrakesh and flying from Marrakesh back to London Luton. - Consequences of the incident: Cancellation of hotels in south of France (as we had to go to Paris instead in order to sort new passports) and complete cancellation of the Morocco trip as we couldn’t get passports in time. Extra accommodation and tickets to get home to the UK from Paris (1 week earlier as we missed the holidays in Morocco). - Claims I made: o Section I3: Passport and Travel documents: Seeking for payment to replace the documents (£100 each) o Section I2 - Personal money: Seeking for payment of the U$450 stolen o Section J - Cancelling and cutting short your holiday: Seeking for compensation of having cut my trip short because of the passports being stolen - Response from the Insurance: o Section I3: Passport and Travel documents: They agreed to pay but under this section it’s saying it includes all the extra expenses incurred in order to replace the passports (£100 doesn’t even cover the costs of the new passports, let alone all the extra expenses!!) o Section I2 - Personal money: They are saying there is an exclusion for this: (4. Cash or passports that you do not carry with you on your person (unless they are held in a locked safety deposit box).)"- so I guess I won’t be able to get this money back. o Section J - Cancelling and cutting short your holiday: They are saying that passports being stolen is not in policy as a reason to cut the trip short (which for me is more than absurd as without a passport you cannot travel!). But I don’t see it in the exclusions. They are saying that only these reasons are covered: "Travel and accommodation expenses that you have paid or have agreed to pay under a contract and which you cannot get back, including any local prepaid excursions, tours or activities, if it is necessary and you cannot avoid cancelling or cutting short your trip; and reasonable extra travel costs if it is necessary and you cannot avoid cutting short your trip." I really feel that passports being stolen affect the trip and in my case made me miss flights and my trip and accommodation in Morocco. - Costs incurred: Amongst hotels we missed, extra accommodation in Paris, flights missed and extra ticket to get back to the UK we spent over 2,000 euros! Is there anything I can do to get any compensation under Section J (or any other section that apply better to my situation)??? I’m considering to raise this with the Travel Ombudsman, but not sure how to approach. Please help.. this has ruined my Christmas and my 2 weeks holidays and I’m trying to get a sensible response from the Insurance, but so far I only got “rejections” of my claims. I would greatly appreciate any help or suggestions you can give me! Travel Insurance Policy.pdf
  8. At the beginning of this year i was shocked to see 2 companies that i didn't recognise taking money out of my TSB bank account via my debit card. Add's up to approx £15k i was oversea's at the time i called and informed that these were not my charges [ one charge after the other]. They would tell me the correct person was not there or that i had to speak with someone in fraud department but could not have the number. They had to call me. I waited and got no calls. I was shocked that despite informing the bank of these fraudulent charges that new charges from same company kept being debited. When i finally got a chance to talk with fraud dept i was told they would not put these charges back and that i had to call the companies directly. The companies have been no help to assist me. What kind of step should i take next?
  9. I took new contract with O2 and new iPhoneX and chose home delivery option. The driver left my delivery with my housemate and he has signed for it. I came home and couldn't find it anywhere. Asked my flatmate and he said he left it in corridor inside the house but it has gone. Contacted O2 but they say they did everything correct and not that's my problem and I have to be fully paying for it. Is there any legal regulation that he is responsible for my parcel he has signed for? Or is it O2 for not giving it to me as they claimed I will have to sign for the delivery? I was sure it has to be me only who can sign. Any ideas please
  10. Can someone please help - I paid for my jacket to kept within a venues (UK) cloak room, when I went to collect my jacket, it was gone. The venue have admitted full liability. My question is, what am I entitled too in terms of compensation, I have requested a replacement jacket. The jacket is considered a collectors item and has therefore risen in value, the venue are only offering a refund of what I paid for the jacket - this amount will not be sufficient to replace it. My understanding is i "should be put back in the same position I was in prior to the theft". I have always maintained to the venue I want my own jacket back or a replacement. Can anyone advise what I am entitled too - is it what I paid for the jacket OR is it the replacement value ?
  11. An investigation was underway on Friday night after the personal data of up to 44 million British consumers was feared stolen by hackers in a massive cyber attack. The information commissioner said it was investigating how the hack on Equifax, a US credit rating firm, affected UK customers, many of whom will be unaware their data is held by the company. Equifax and its UK subsidiary companies state on their websites that they represent British clients including BT, Capital One and British Gas. There are fears that customers of these companies could now be affected. BT said that "many companies in the UK" used Equifax services and said that it was "monitoring the situation closely". The Information Commissioner's Office (ICO) has urged Equifax to alert affected UK customers as soon as possible, and said it will work with the relevant overseas authorities on behalf of British citizens. http://www.telegraph.co.uk/technology/2017/09/08/equifax-hack-britons-data-watchdog-investigates-ukimpact-major/
  12. An investigation was underway on Friday night after the personal data of up to 44 million British consumers was feared stolen by hackers in a massive cyber attack. The information commissioner said it was investigating how the hack on Equifax, a US credit rating firm, affected UK customers, many of whom will be unaware their data is held by the company. Equifax and its UK subsidiary companies state on their websites that they represent British clients including BT, Capital One and British Gas. There are fears that customers of these companies could now be affected. BT said that "many companies in the UK" used Equifax services and said that it was "monitoring the situation closely". The Information Commissioner's Office (ICO) has urged Equifax to alert affected UK customers as soon as possible, and said it will work with the relevant overseas authorities on behalf of British citizens. http://www.telegraph.co.uk/technology/2017/09/08/equifax-hack-britons-data-watchdog-investigates-ukimpact-major/
  13. Hi, Just looking for a bit of advice on a situation that's happening to me at the moment. Back in March 2017 noticed my car wasn't where I'd parked it. This is in London, so first checked https://trace.london/ to see whether the council had taken it and the car wasn't listed. Called up Trace London just to be sure and they told me to call the police and report it stolen as no London council had the car. Called the police, they confirmed the same thing, spoke to the insurance company (Diamond) and started the process of the claim. I got £250 about a week later in lieu of a courtesy car from the insurance company. Police called me a couple of weeks later to say they couldn't find the car anywhere and told the insurance company to write it off. Sent logbook and car keys over to the insurance company and they paid out £1,550.00 (after my excess) on May 4th. Fast-forward to now and have had a call from the insurance company saying the police have found the car, that the council had taken it all along and that it's in the pound. I asked on the phone since the car had effectively been transferred to Diamond whether they were offering me the option of getting the car back, or if they were forcing me to collect the car and pay back all the money. They said since it wasn't an "insurable event" it was void and they would force me to collect the car and repay all the money. Now aside from the fact that there's a bill of several thousand pounds for it being in the pound this long (as I'm pretty sure this will amount to procedural impropriety? the police have given me a reference number which I'm hoping means I could pick the car up without having to pay anything), can the insurance company force me to do this? In the event that car's "found" after being stolen everything else I see online says it's now the insurer's car not mine. Can they force me (by force I mean take me to court to get the money back), or is it just the claims handler being pushy? He did put me on hold to check just wondered whether anyone had been in anything similar and whether there was anything to this "chargeable event" thing. How are cars that are stolen, parked illegal, and then towed to the pound treated for example? Any thoughts or advice welcome thank you!
  14. Hello, i suspect this is fairly straightforward but google is unhelpful My daughter took a damaged Iphone 7 to the local repair shop that have done loads of good repairs for us and friends. They've said they've been burgled and her phone amongst other is stolen, their initial response to her is to try and track it down online I assume i right that they have to replace it with a like for like? If they are reluctant what is the best way to go? Legal or otherwise? I'd like to quote the relevant law or legal recourse to show them I mean business. And how long is reasonable to wait for them to replace the phone? She genuinely does reply on it. Thanks Micky
  15. Today I have received a PCN from Coventry Council for driving in a bus lane. I do not live in Coventry and have not been there for years and years. The picture shows it was definitely my number plate so I assume it has been cloned?? I will report this to the police when I get home from work. I am obviously going to dispute this but surely the council and receive disputes all day long saying it wasn't me I have not been to Coventry for over 6 years, so surely they are not just going to say 'yep ok no problem we will scrap it'. Unfortunately it happened at 6.15pm so it was dark and you cannot see the colour of the car or any marks/features the car has or what make the car is. Does anyone have any experience with this type of thing? What are the council likely to say?
  16. Hi all, Long story, which I will try to keep short for you! I purchased a Humax Freeview recorder for £199 in Jan 2016 on my debit card. Over time it developed lots of faults, such as random crashes, missed programs, freezing and even not turning on. After researching the product online, I decided to take it for a refund - Lots of similar stories from other users. This was within a year of purchasing it. The girl on the till wouldn't refund to my debit card as the card I used to purchase it had been reported lost/stolen. I was made to take a refund onto a gift card, which I reluctantly accepted, thinking I'd buy another freeview box from them anyway. After reviewing the options, I decided on a £400 TV instead. Bought the TV and the picture quality was awful, with vertical banding (dark black lines) particularly on one side of the screen and generally poor quality image quality when compared to the 10 year old TV it was replacing! I took this TV back and swapped for another of the same - this one also produced a poor quality image, I got in touch with Argos via their live chat feature on their website today. The girl I was chatting to called the store that I got the TV from (FastTrack) originally and she came back saying they would refund £200 cash and £200 to my new debit card as long as I could provide the long card number and expiry date. I printed the chat transcript, called my bank to get these details and took the card number, the transcript and all my receipts into the store for my refund. They denied ever saying this to the girl at the customer service centre and said that they cannot refund to my card without the card, which I explained was impossible as it was reported lost/stolen! They wouldn't do it with a printed bank statement showing the original transaction either. They also said the store has final say on the matter and gave me an 0345 number for head office, which I called tonight only to be told I have to email head office as they were "only customer service, so we don't have the authority to override the store's decision". No phone number for head office apparently?! Has this happened to anyone here and where do I stand? I don't want to keep buying "blind" at Argos and would prefer to take my money elsewhere - somewhere I can actually see the TV in action before purchasing. Thanks very much in advance for any advice you're able to give before I write to Argos Head Office tomorrow Looking at their returns and refunds policy suggests the following can be used as a proof of purchase. All of which I can produce. WHAT COUNTS AS PROOF OF PURCHASE? Any of these: Till/kiosk receipt confirmation email e-receipt your order number If you can’t find one of the above, don’t worry. We should be able to sort everything out if you have: your card/bank statement the email address used to buy your item Hmm. Surely, as I can provide all the above (bar the stolen/lost payment card) proves I am the person who purchased the Freeview box to start with, so why are they not prepared to refund me?
  17. Disappointing experience dealing with Brighthouse (Shocking news i know). Ive had an account with them for years. Did the TV/Laptop etc. on it which are all paid off now. Took a mobile phone with them in April, desperate for money in May and sold the phone. I was completely unaware that this was going to result in such drama - nobody had told me i couldnt do this in store but obviously my fault for not reading the fine print. Had a text from the chap i sold it to on Gumtree saying he had tried to sell it on Music Magpie last week and they "red-flagged" it as having finance on it so were holding it and would only send it back to its rightful owner (not me OR him) Contacted Brighthouse, they did their standard "This is selling stolen goods and we are reporting you to the police" etc.etc. Contacted Music Magpie - No response. Phoned BH head office, then the store, then head office. I was pushed from one to the other with no resolution in sight. Unbelievably the irate man who I had sold the phone to seemed to have had more luck and set something up for MM to return the phone to BH. Ive seen an email from MM to him today saying they are sending it back to BH by courier. Called head office, they said talk to the store for an update, called the store and was told they would not be speaking to me any further about my account and to speak to head office. I have asked both if the phone being returned to Brighthouse meant my account could be closed and neither would give me an answer on this (bounced from one to another of course). Ive paid about 6 months out of 18 months of this off but happy to call it quits if thats possible. Has anyone had any experience of this and what the likely outcome is going to be? Surely they cannot keep the phone and continute to charge me andthey state on the website that you MAY be able to return goods with no further payments to make. Either way though, Brighthouse are no longer answering any of my questions - literally outright refusing and the store/HO playing me off one another, no response from MM either. Any help or advice would be appreciated. Cheers guys!
  18. http://www.mirror.co.uk/money/shop-lets-you-save-hundreds-9195194 This looks interesting.
  19. Hi , bit of a general enquiry - not sure where it fits really. Our tree company has been broken into and the chainsaws stolen for the THIRD time ! ( In 6 months ) On the second instance - I brought in my own saw to help out as replacements are not easily found on Day1 of a theft . All the tools were locked in a steel bin and lo and behold after coming back from holiday I discovered we had been burgled again ! - My saw had also gone from the locked bin. Now asking the manager would he be replacing my saw , he said no - as he said they are not covered for personal kit . Have I been too kind or is he mugging me off ? Cheers, in anticipation Q
  20. Thousands of people with lost or stolen contactless cards have been warned they could be used by fraudsters up to eight months after they are cancelled. The problem generally lies in contactless card payments being processed in one of two ways - 'online' or 'offline'. When payments are processed online, the card and payment machine immediately communicate with the customer's bank. If a lost or stolen card has been cancelled, this will be flagged immediately and a payment not allowed. Offline payments are stored in batches by retailers and processed online to the bank at a later point, sometimes a few days later with smaller stores. This can allow a thief buying goods on a stolen card to go undetected. Read more: http://www.dailymail.co.uk/news/article-3779910/Thousands-contactless-cards-lost-stolen-warned-fraudsters-use-EIGHT-MONTHS-cancelled.html#ixzz4KtdyLapj If your contactless card is lost or stolen make suer you check your statement for fraudulent transactions.
  21. I am really confused with Hastings Direct Smartmiles. am 25, got my license 4 months ago and got myself a little car a couple of days later. A couple of issues I have had with them, Issue 1: Insured it with Hastings direct Smartmiles as it seemed to be a good policy and for a good price. Set up my appointment to have the blackbox fitted all fine. The night before the engineer was due to come in the morning and fit the blackbox (which was a couple of days before the end of the two week grace period due to my hectic work schedule) I got a call saying they wouldnt be turning up as the engineer had been taken ill, all fine and understandable so re-arranged it for a few days later. Again the night before I got another call saying the engineer would not be coming due to where I live. Hang on, they knew where I live when the original appointment was set up (and when I took out the insurance) how are they only just realising the engineer can't get here? Then told i would have to go to an authorised installer over 18 miles away to get it installed, annoying and so much for the installation being at my convenience. this was set for a weeks time, way past the grace period, which of course meant I was getting hounded by letters and calls threatening to cancel my insurance policy as I hadnt had the box installed. called them multiple times to explain the situation and confirm it wasnt my fault it was theirs and they promised not to cancel. Carried on getting the letters. the morning of the appointment i get a call from the installing garage asking me about my appointment as they had only just been told about it . I confirmed it and explained the situation to them and they were very short to me about it due to the short notice which was understandable. Got it done, then got home to put in a complaint to hastings re all the touble and threats id recieved they said they would investigate it. A few days later I get a letter from them saying the issue had been resovled and id be getting a £90 refund from the installation team due to my issues. great. Except I NEVER got it. Issue 2: Fast forward a few months and im involved in an accident (not serious) which i agreed liability to as Id been pulling out onto a main road , (the other person hadn't seen me pulling out and therefore hadn't slowed down). They got a small amount of damage (A smashed headlight and a dent in the bonnet), my car was written off. eventually when my car had been taken away and inspected by an engineer to confirm it was a write off, the engineer said I would recieve back the valuation of the car £1250 minus my excess which was £95. she asked me how I would want the money to be paid with me either bank transfer or cheque, I stated bank transfer please. Another week later (17/08/2016) i finally receive a text from hastings saying that my claim had been settled and I would recieve my payment within 7 days. Finally I thought, I can start looking for another car! Today (24/08/16) I called them during my lunch break to ask about my payment as I had not received it they said it had been authorised on the 19th. Got home and there was a cheque waiting for me. Funny bank transfer huh. Heres the good bit, the cheque was for £741, over £400 pounds less than I had been told! Straight onto the phone to them again to find out what had happened apparently as well as the excess they had also taken the £400+ as I pay monthly to pay the rest of my insurance for the year(which I hadnt been told would happen, just minus the excess), even though I had been previously told that my insurance had been suspended waiting for me to cancel it if i wanted. He explained that I had 30 days to add another car onto my policy (which I also hadnt been told). I informed him that I wasnt going to add another car onto my policy as I was thinking of getting a policy with the main arm of hastings when i got another car as i didnt want the black box anymore, and why have i been made to pay for the whole years insurance when Id only had it a few months and wasnt going to keep it anymore . Suddenly he was speechless and didnt know what to say anymore, then said maybe you should speak to the total loss team as they were handling it. He then put me on hold again for a while (about 5-10 mins) said they seem quite busy do you want to call back, i asked to be transferred. Another 5-10 mins later and someone picks up, i explain the previous conversation and she says i have not idea what to do about that the people you were speaking to deal with all that stuff, but its just gone past 6 pm so they cant speak to you any more about it today. She then even laughed a little and admitted it saying 'yeah probably' when i said 'oh thats just typical thats probably why they transferred me here then' Has anyone else had a similar experience or even heard of being made to pay for the whole years insurance when they dont even know if you will be keeping it any more. Im fed up with this company, safe to say they will never be getting any more business from me or my family again, I'd rather pay a bit more to someone else that have customer service like this! If anyone has had a similar experience or has any advice on what I could do I'd be very grateful!
  22. HI...Brand new to this forum but hoping for guidance. In 2010 I started to get correspondence from VCS stating I had parked outside the bays at Valley C entertainment Leisure Fund. I had no clue what this was about and wrote to them to explain my number plates had been previously stolen and that I suspected this was who had broken their parking rules . I even gave them the crime reference number. I still got letters and calls from them and some legal team I think but eventually they stopped. I presumed the message had finally got through. Today I get a lett from BW Legal saying VCS Ltd have instructed them in relation to the pcn....plus initial legal costs the demand is £174. I no longer have any of the details from 2010.. ..so any guidance on how to proceed would be welcomed. Thanks vry much.
  23. Hello, We have just had our storage and removal insurance claim denied I don't know what to do next. If I get anything wrong I'm sorry as this is my first post. Back in October we paid for a large national removal firm to come to our house, pack and export wrap all of our things and then take them to be stored in their warehouse for six months as we were moving to Eastern Europe to start a business. We took out their own removal and storage insurance covering us up to the value of £23,000 as we listed all of the items about £500 separately as per their instructions. When the time came for us to have our things delivered, we employed a second removal company to collect our things from the warehouse and deliver them to us in Eastern Europe. We also took them up on their insurance, for the same amounts as above. When our things arrived, everything looked fine at first, but as we started to unpack we saw that almost all of the boxes had been opened, then resealed and new box numbers put on with the old ones taken off. Some boxes even had two completely different numbers on, and the contents of the boxes was completely different to what was written on the packing inventory. Most of the boxes were almost empty too, but in was done in such a way that you wouldn't be able to tell until the box was open. For example, one of the boxes said that it contained my evening dresses and formal wear, it was a big box, but all it contained was our old and very worn picnic rug Our little fire safe had also been broken into, you can see where the lock has been forced and the contents are gone. We went through everything and the missing items come to just under £15,000. We informed both removal companies within four days of receiving our things. The first company who had stored the things said to fill out the insurance forms and get the information to them as soon as we could. The second company said that it was not their responsibility as everything had looked in good order when they collected it, but their broker sent us the claim forms and said to submit the claim anway. We put the claim in for the first removal company as the second removal company would not have been able to open and reseal the boxes as they did not have the branded labels with the first companys logo and details. The first removal firm said that they had sent our claim off to their brokers underwriters and that we would hear directly from them. After five weeks of not hearing anything, and of the removal company ignoring my emails and not putting me through to anyone when I called, I called the broker instead who said that they had never received our claim details. They asked me to send them directly to them, which I did. They have sent me an email saying that they are denying the claim as it is the other removal companys responsibility as the goods were in good condition when the collected them. I'm not sure what to do, it is soul destroying, these were hugely sentimental items, we are devastated. Any help or advice would be very greatly appreciated thank you. Sorry I should have added that we have now moved back to the UK as my mother became very ill and we didn't want to be far away.
  24. Hi, I'm hoping someone might be able to help me... In August 2015 I purchased a Samsung Galaxy S6 on eBay from what seemed to be a trustworthy "phone company" with very good reviews. I received the phone exactly as described, brand new and sealed and factory unlocked. I have been on a Sim-only contract with Vodafone for a long time and I immediately began using the Sim in the new phone with no problems at all for the next 6 months or so. However, in February 2016 the phone suddenly lost all network coverage and after a few confusing phone calls with Vodafone (which also involved me sending the phone to Samsung to be tested) I finally discovered it had been blacklisted due to having been reported as stolen. Vodafone recommended that I try to get a refund from the seller on eBay or approach PayPal to open a dispute. I soon discovered that the seller had disappeared from eBay (hardly surprising if he knew what he was doing...!) and after explaining the problem to eBay they told me that PayPal should be able to help. However, I have been back and forth with PayPal over the issue and they are point blank refusing to help me due to the fact that the transaction was back in August and it was outside of their specified time cap on opening a case. I understand that this is their policy but I feel that in a situation like this there should be some sort of loophole as how was I to know that I was buying a stolen phone, especially as it was working fine until it was blacklisted!! I have spoken to CACs and trading standards regarding the matter but they simply insisted I keep on at PayPal and that without the seller's home address there's not much that can be done?! I am out of pocket of £380 and the phone is completely useless to me, and at the same time the seller of this phone (and I would guess countless other phones) is getting away with making money from stolen goods. Thank you for any suggestions!
  25. Vodafone have put a default on my credit report and are causing me undue stress and anxiety due to a phone I had stolen in Barcelona. The thieves stole my phone and within a few hours racked up a bill over £2,000 by ringing premium numbers and putting them on hold to ring the same numbers - over 900 calls were made. It is clear that my phone was used as some sort of organised crime activity and there have been many cases in the press of Vodafone lumping other people with bills like this, only to waive the bill when brought to the attention of the press. I am now at the point of contacting press as this seems the only way Vodafone comes to a fair decision. I have not long graduated and instead of enjoying being young I am beginning to get depressed - I have debt collectors after me, a ruined credit report and no idea of how to get out of this situation. anyone got any other tips on how to deal with this situation or anyone had a similar experience? Forgot to mention that the incident occurred in September 2014, a default was registered on my report May 2015 and the account was apparently sold on to a DCA in the last few weeks
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