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  1. Hi all, thanks in advance for reading and any advice. I'll try to be as concise as possible. I have an iPhone provided by my work. It states on the iPhone Policy that if you lose the phone or it is stolen, you will have the price of the iPhone taken off the next payslip. The only exception is if you can provide a police certificate that it was stolen, but there is a sub-exception here that states you still have to pay if the theft was facilitated to clear negligence on your part, e.g. leaving it unsupervised in a public place. In November 2015 there was a fire drill at work. I immedi
  2. 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 were
  3. 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?
  4. 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 ser
  5. 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
  6. 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 w
  7. 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
  8. 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)
  9. 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
  10. 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 del
  11. 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
  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
  13. 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
  14. 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 l
  15. 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 w
  16. 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
  17. 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 r
  18. 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 h
  19. http://www.mirror.co.uk/money/shop-lets-you-save-hundreds-9195194 This looks interesting.
  20. 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 perso
  21. 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
  22. 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 the
  23. 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
  24. 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.
  25. 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 s
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