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About Me


  1. Hi I am so stressed out. I've been at a University address since recently and came home to parents house to discover i have had a CCJ filed against me last month for an old catalogue debt and have been ordered to pay £50 per month with the first payment due in the next few days. I don't dispute the debt I just have no money and as I have now just completed my final year at Uni I am technically unemployed. I will be moving back in with parents very soon and am worried a bailiff will be paying me a visit and cause great embarrasment and distress to them. I've done some prelimin
  2. I have an Aviva small self-administered pension scheme and now wish to encash in full. Should be straightforward? Not with this bunch of cowboys. Here are my experiences:- Calling 'customer services' takes ages to answer When they do answer, the person cannot offer any meaningful help without putting you in another 30 minute call queue Aviva confirmed all paperwork was in order, but would take 10 business days to 'process' Called Aviva on the 11th business day having heard nothing When questioned on the reason for inaction, their reply was "your address has changed". No at
  3. This article was I believe first published in December 2016, but has been updated as of today, 3rd April 2017. Looking at the chart, in each of the 5 quarters since 2015 - Vodafone is consistently the most complained about provider. Of course we here on CAG didnt need OFCOM to let us know this, did we ?
  4. So I am having major issues with Vodafone customer service team. all details outlined below. My bill is due for payment on the 12th December, but it is currently in dispute and they know this via the notes on their system and from the call recordings they have of me. I am willing to give them payment for all barring the part I am disputing, which I have said I will pay on the 20th of this month as the funds for such a large amount will not be available to me until then. Not sure what else I can do apart from the below, if you can think of anything, all advice is greatly appre
  5. Royal Bank of Scotland has been ranked bottom out of more than 30 rivals for customer satisfaction, despite pledges by the bailed out bank to improve its battered reputation. The survey, carried out by consumer group Which? between September 2015 and January 2016, asked more than 20,000 people how satisfied they were with their current account, savings account, credit card and mortgage provider. As well as placing RBS last, the results put NatWest (which is owned by RBS) in the bottom 10 alongside Barclays, Bank of Scotland (part of Lloyds Banking Group) and Clydesdale, which was
  6. http://www.express.co.uk/news/uk/630389/Worst-parking-car-space-Range-Rover-driver?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+daily-express-uk-news+%28Daily+Express+%3A%3A+UK+Feed%29 The PPC managing the car park some how failed to prevent this inconsiderate parking with their ANPR cameras... *not my words.
  7. Our worst car buying experience ever - horrendous! I cannot underestimate how shocked we were at how Bullitt Cars in North London refused to refund us our money when we rejected a faulty car. We bought a car for over £12,000 and the first time it rained it was clear that the roof was leaking. We returned the car to reject it as is our right under the Sales of Goods Act 1979 as it was not fit for purpose and they refused to refund us our money. They then drove and fixed the car without our permission and attempted to force us to pick the car up by charging us £30 a day storage. The po
  8. [ATTACH]56320[/ATTACH] Response received today to my second complaint regarding unlawful data processing. First complaint completely ignored! Vodaphone must like court claims
  9. Last Tuesday was the much awaited release of some limited edition dolls. I am a collector, I have been my entire life, I have spent literally thousands. I got up at the crack of dawn and waited for them to be listed online. I managed to get the two I wanted but separately . I received my tracking code (Disney use Hermes), I noticed the code was an old one of mine from three months ago but had been updating the new order. The second order was doing the same. I asked Disney on Facebook what was going on with this and was told it was a "mistake". I asked well if this code is a mistake what is my
  10. Ofgem has ordered Spark Energy to pay £250,000 to Citizens Advice for 14 breaches of relevant conditions and requirements. These include: Refusing to allow customers to switch. Switching other customers without their knowledge Billing errors Failing to refund customers in credit Failing to notify customers of increases failure to provide accurate direct debit calculations. failure to deal with complaints properly Spark Energy are so bad they make Npower look almost professional http://www.bbc.co.uk/news/uk-scotland-scotland-business-31490466 Notice o
  11. More than a quarter of all Npower domestic customers complained to the company last year, according to figures from the energy regulator Ofgem. The company received 1.48 million complaints in 2014, amounting to 28,000 for every 100,000 accounts - 28%. That was the highest proportion of any of the "big six" energy suppliers in the UK. An Npower spokesman said: "We have been working hard to improve our overall customer service." Even so, the complaint rate was up from 2013 when it stood at 25,100 per 100,000 customers. British Gas, the UK's larg
  12. In a Poll out today it is no surprise to me that Scottish Power came out with the biggest number of complaints over their customer service. http://www.dailymail.co.uk/money/bills/article-2908750/Wooden-Spoonawards-Scottish-Power-UK-s-worst-customer-service.html Another surprise was how much more criticism was levelled against them than Halifax who are also the pits. I suppose that is Scottish Power becoming even worse than Halifax making improvements?
  13. This bunch [removed] have been taking £18.50 a month from my Octogenarian relatives for a number of years and carrying out services to the boiler. No one else has touched the boiler, this time round (last week) an Engineer decided to cut the supply off as there was a wing nut missing on the case and a seal was broken (which they must have done) My relatives have now been without heating and hot water for 5 days and despite numerous calls to their non helpful customer help line, no one has turned up. They are totally unhelpful, do not call b
  14. This was family's 1st real holiday after the birth of my son more than 5 years ago. I had promised my son a Disneyland trip when he was 2 years old when he saw his 1st cartoon - yeah u guessed it Mickey Mouse @ clubhouse. And when I finally booked the my 4 day, 3 night trip @ a Disney Hotel, I promised him a funfilled , exciting adventure and for ourselves ( wifey and me) a relaxing time. While the park delivered on its promise, the hotel stay was anything BUT. During these warm summer times, the most basic amenity one would expect in a any hotel room is an A
  15. was talking about this with a mate before about different experiences in shops , so i was just wondering in your experience what has been the best and worst places for customer services?
  16. After I paid 69 pounds for my faulty washing machine , the engineer came for the first time on 19/09/13, I was put on waiting for ever. They cancel the second visit appointment just by texting me in the morning of that day( 09/10/13) . That is because incorrect parts had been ordered. Since then,I called them every week. Every time I called them, they give me excuses of short of parts supply, communication problems with warehouse or their engineer. They always say it takes 3--5 working days to receive the parts, when the engineer receive it he will call me.
  17. Companies are ignoring new guidelines on card fees. Which? has named the worst offenders. Holidaymakers booking winter escapes still face sky-high charges for paying by card – despite new rules designed to tackle “excessive” fees. Consumer group Which? found evidence of card charges well in excess of the 2pc level considered fair. In April, the Office of Fair Trading said someone spending £100 on a travel ticket should expect to be charged 53p extra if using a debit card, or £2.10 if using a credit card. This is equal to no more than 2.1pc. However, Which? said easyBus charged 3.5p
  18. Read more : http://uk.finance.yahoo.com/news/best-worst-car-insurers-092605067.html
  19. I have tried calling to complain, chatting and in last, writing to highlight some issues which i have faced but no one some seems to care at all. Still waiting for someone to reply to my letter which was sent 2 weeks ago but to no avail.....asked a simple question several time to give me details of Head of Customer Services but either there is no such Post at Vodafone or No one wants to Share the details so i can complain to him her directly.
  20. A survey of 2,000 tourists placed the Catalonian city ahead of Paris, Rome and Amsterdam, while 80 per cent of those questioned said they believed Britons were deliberately targeted for potential [causing problems] opportunities. Barcelona has long been known as a hot spot for pickpockets, with tourists on Las Ramblas particularly susceptible. In April Telegraph Travel reported on a growing problem with pickpockets in the French capital. Cash-carrying Chinese and Russian tourists at the Louvre were said to have been targeted by increasingly aggressive thieves, many of them ch
  21. Lenders have hit out at proposals in the European mortgage directive that will force lenders to provide an extra APR outlining the worst case scenario for borrowers. Under the proposals, every variable mortgage or fixed-rate deal under five years will need to include an APR that shows how the mortgage could have been affected based on interest rates over the previous five years. The aim is to make consumers better aware of the risks associated from interest rate fluctuations. The Financial Conduct Authority is expected to consult on the details of the change when the directive comes into
  22. If you ever wondered why your parcel arrived damaged or not at all, here is the reason. Watch the utter contempt with which UK Mail handle your goods. Not a company to trust with you delivery. http://www.channel4.com/info/press/news/uk-mail-boss-apologises-after-staff-run-amok-with-customers-parcels "The boss of UK Mail has apologised and launched an investigation after viewing secret filming of staff at one of its sorting depots running ‘amok’, dropping, throwing, and kicking customer’s parcels. With shoppers increasingly relying on private parcel companies to deliver onlin
  23. Bank of Scotland had the most mortgage complaints referred to the Financial Ombudsman Service in the second half of last year The bank, part of Lloyds Banking Group, had a total of 1,087 mortgage complaints referred to the FOS between 1 July to 31 December. Santander had the second highest number of mortgage complaints referred to the FOS with 900. Northern Rock Asset Management saw 512 mortgage complaints go the FOS, Barclays had 467 FOS mortgage complaints, and NatWest had 300 Preferred Mortgages, which had 29 new mortgage complaints referred to the FOS in the second half of last y
  24. My partner had an accident just over 3 months ago which left us without his wage and to cut a long story short, he is now disabled. DLA hasn't been sorted out yet, ESA has......so to cover for a while pay day loans were taken out, and as ashamed and embarrassed as I am I need to talk to someone, all I want to do is cry all the time. They are as follows PaydayUK - 516.00 Paydayexpress - 425.00 minicredit - 156.00 WagedayAdvance - 388.50 1monthloan - 80.20 Lendingstream - 123.50 I am more than happy to cancel card as I have another anyway where my wage goes into. but I'm just
  25. As the rest of the world curbs legal loan sharks, why not us? This map should shame the *politicians and regulators who have left hard-up British families easy prey for the world's legal loan sharks. It shows how we are fast becoming one of the last remaining countries where payday and doorstep lenders are free to charge the equivalent of 4,000% or more annual interest on their loans. More than half of the countries in the European Union have placed caps on how much lenders can charge, including France, Germany, and Spain, according to the Centre for Responsible Cre
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