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 preliminary research but it looks very complex to me. Whether I apply for it to be set aside, or ask a court to change the amount, it all involves paying a fee which I don't have. I think in order to get help with fees you have to be on JSA/unemployment benefit? I don't want to do this. Just wondering what is likely to happen now? The amount of the debt is "only" around £300ish but I can't afford anything until I get a job. If the bailiff comes and I don't let him in, I know they can't force entry as long as doors are locked etc but what is the worst they can do? Can I just ignore him completely? Any advice greatly appreciated

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 attempt to contact me to resolve Put through after 35 minutes on hold to someone whose first language wasn't English - barely intelligible Advised to email confirmation of change of address. This was done immediately along with 2 utility bills attached Another week goes by, still no contact. Called again. See points 1 and 2 Eventually get told "we haven't actioned your change of address". The reason: I didn't send in a letter confirming my change of address Advised that, once change of address letter was received, the encashment would take place in 2 - 3 days Initiate a formal complaint Sent in letter confirming new address, received Friday 8.11 a.m Tuesday p.m. - scheme practitioner (who has administered scheme since it's inception) called Aviva to be told "can't talk to you - you're not listed as having anything to do with this account!" Wednesday lunchtime I called - "we have your letter and are looking at it. Assuming everything is in order, we will then wait 10 business days before doing anything further" This is the 8th day since initiating my complaint - no acknowledgement has been received This is service of such a shockingly poor level, that I don't believe it to be accidental. Many Aviva customers are alleging they do this to frustrate claims and encashments, so that you simply give up. I'm beginning to come to the same conclusion.

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 ?

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 appreciated. Thanks BonM This is an email I have sent to the ombudsman listed on the Vodafone website below in blue. to enquiries Dear Sirs, My name is (Removed) You may contact me on (Removed) at any time to discuss this if you so wish, this is also my phone number registered on my account with Vodafone. My address is (Removed) I currently have an ongoing dispute with an overbilling from Vodafone that I am trying to resolve. I have spent the past 5 days trying to communicate with them but I am getting nowhere. I have spent in the region of approximately 5 hours on the phone with them and approx. 2 hours of that time I have spent on hold. I have had to speak to 8 different people each time and only one person has made any notations on my account, so every time I call I have to explain myself again and again, then I get put on hold, then I get hung up on, then I have to call back, then I have to go through everything again, then I get put on hold again, my notes are not up to date, so they all try to help me and this goes on and on and on in a vicious cycle and nobody is actually trying to help me or resolve my issue. My bill is due for payment on the 12th December as we speak I have currently been on hold for 70 minutes! I am at my wits end and nobody will help me and my complaint is not being heard and not being resolved. Please advise what I need to do to obtain your help any further in order to get this resolved in an efficient manner. Best wishes (Name Removed) The below is an email I have sent to the CEO office below in red to nick.jeffery Dear Mr Jeffery, I write to you as a very disgruntled customer. I have sent the previous email as shown as you can see to the below. Ombudsman Services: Communications PO Box 730 Warrington WA4 6WU Phone: 0330 440 1614 (standard call charges apply) Fax: 0330 440 1615 Email:*[email protected] I have just been hung up on again by one of your supervisors Frank this time, for the 2nd time in a row after being on hold for almost 90 minutes*and I am at my wits end and last tether here. My bill is due for payment on the 12th December and I need to get this rectified before then. I hope to hear from you or one of your supervisory staff with a time to call me back please. Yours sincerely (name removed)

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 recently listed on the stock market. Lloyds is tenth from the bottom. Which? said the gap between RBS at the bottom and First Direct, owned by HSBC, at the top was 21 percentage points, illustrating the battle faced by the 73%-taxpayer owned bank. The consumer group published the survey as part of its campaign to encourage the Competition and Markets Authority to rethink its ongoing investigation into the banking sector. Which? is concerned the competition watchdog is too focused on encouraging customers to move between providers rather than on dealing with the way banks treat their customers and charge for overdrafts. More

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.

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 police were contacted who notified them they were acting outside the law but they continued on with the same threat. They refused to tell us what work had been done on the car or who did the work. We even offered to sell it back at a loss but their counter offer was for us to lose over £1,000. When told we were going to inform other consumers about them they threatened to sue us for libel if we posted bad feedback unless it was done after we won a court case against them. We are shocked and appalled that a Bullitt Cars could act in this way and it is experiences like these that we feel make people wary of buying from dodgy car dealers.

[ATTACH]56320[/ATTACH] Response received today to my second complaint regarding unlawful data processing. First complaint completely ignored! Vodaphone must like court claims

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 tracking code? I did not receive a reply. Then I check the tracking on Friday and both orders had changed to "not delivered-address query". I rang Disney to find out what was going on and she said "that's a tracking code from three months ago" I told her I was well aware of this, and had questioned it on facebook, but it was not dealt with. And besides the code was updating that day. She then told me when she puts in the code I was emailed its bringing up someone elses name. She put me on hold several times. She then told me " I have no idea what is going on". I was then promised a call back, which to be fair she did. she told me she "still had no idea what was going on and I have escalated this as an emergency" (?!). After this call I checked on Facebook, others are complaining of this same issue. In addition, some who ordered one doll, have received an entirely different doll (the only one that hasn't sold out), Clearly something has gone very very wrong with these orders. It took Disney several hours to respond to these messages on Facebook. After this i've checked the tracking for both orders again, one has changed to delivered and "not delivered- address query" has completely disappeared. I rang work to check id been sent the right one and luckily it was. However, still no sign of the other doll (incidentally the one I wanted the most and went for first). Also, when ive gone to work to pick up the box, the box its been sent in has written all over the side for all to see what the box contains. Sorry, but this seems like a special brand of stupid to me!! I rang Disney again to tell them one had been delivered and is there any news on the second. I was told the "emergency escalation has not been responded to yet". The attitude of the staff on these calls has been infuriating, they don't seem to care at all and give the impression of 'and?'. I rang again on Saturday. I was told I would have an update "On Monday". I've rang again on Monday to be told "we are waiting to hear back from the warehouse". He promised me that he would ring me back "on or before 6 o clock even if there is no update". Unsurprisingly this call never happened. In the meantime pretty much all of my messages on facebook have been ignored and the page is full of others saying the same ie getting ignored. I have also emailed the chief exec THREE TIMES and have not received any response whatsoever. These dolls were very expensive and cannot be replaced, Other than buying off ebay for £200 plus. I cannot put into words how frustrated/disgusted I am with Disney. Also worth noting, before this I had twice received emails/txt messages informing me my order was on its way, At that point I had no order!!!! I was even able to follow the tracking despite it not being mine. I had emailed Disney about this asking what was going on and is there some sort of data issue. Yet again, this was ignored!! It sewems to me Disney are in chaos at the moment and have put up a wall of silence!!!

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 of Intention to Impose a Financial Penalty on Spark Energy 16 February 2015

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 largest energy supplier, received most customer complaints in total at 1.7 million. But that represented 11.5% of its customer base, a lower proportion than Npower. Npower has been the most complained-about energy company in the UK for several years. However, when it came to resolving complaints the company performed much better. It sorted out 29,000 complaints per 100,000 customers last year, more than the number it received as it dealt with some of the backlog from the previous year. That clear-up rate was the best among the big six suppliers. "A recent survey by the complaints resolution body Ombudsman Services stated that energy complaints only make up 11% of all grievances they receive," said Npower. Poor service Npower customers have suffered from poor service for several years. In 2011, the firm was fined £2m by Ofgem for mishandling customer complaints, while British Gas was fined £2.5m for the same problem. The next year Ofgem issued a general warning to all energy suppliers telling them that the information their customers needed to make a complaint should not be buried on their websites. In 2013, a new computer billing system started causing problems at Npower. At one point nearly 300,000 bills were being sent out late every month. By mid-2014 the regulator threatened to ban Npower from taking on new customers via its telephone sales force until it could prove it was sending out bills on time. The company avoided having its business curtailed when it finally improved its billing procedures. But it was still forced to concede that anyone who received a bill that was more than 12 months late would not have to pay it, if the fault lay with the company.

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?

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 back within the timescales they set and have no concerns for the safety of their elderly customers. All in all, this company are the very worst I have ever dealt with (and I've been in the building industry for 40 years) I know a thing or two about dreadful companies and bad service - Beware - do not expect any help at any time from this lot of rubbish.

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 AC. And I am indeed pained to say that the AC in my room DID not work any of the 3 nights. Night 1 15th Aug - Since I had reached the hotel prior to the 3pm check in time, I was NOT able to checkin and hence collected my park passes and headed for the park. When I checked in my room (Room #1108 ) at 1030pm, I realized that the room temperature was quite high and turned on the AC and the blower to maximum, but the room didnt seem to cool down. I was too tired to wait longer and fell asleep but woke up sweating sometime during the night and realized that my son had escaped his duvet cover ripped off all his clothes and was lying on the carpet floor ... It was a sad sight as a parent to see an excited 5 yr old, who only a few hours ago was twinkling with excitement after his first roller coaster ride in the Thunder Mountain. He was breathing heavily and I was paranoid as he has suffered from breathing problems at night. I left a message at the reception on Day 2 - 16th Aug in the morning that the room AC is NOT working and needs a technician to investigate the problem. Night 2 - When I reached the hotel room after the Disney light show around 12 midnight, the AC still didnt seem to work. I called the reception right away and the lady at the reception mentioned that she will call up the technician to sort it out. I called her thrice in a span of 45 minutes and all the time she mentioned that it was her job to call the technician and he will come to the room , but he never showed up until 0145. I then rang her up and told her that I cannot stay up any longer and asked her not to send the technician as it would disturb us. But I explicitly asked her to ensure that she lodged a complaint on the AC to ensure it gets sorted the next morning, while we were out. We had to keep the window open to ensure my son could hopefully breathe regularly. BUt none of us had a comfortable night sweating profusely. Day 3 morning- 17th Aug - I did not stop by or call the reception as I expected the complaint to be actioned from the night before. Night 3 - When I reached the hotel, I stopped by the reception and checked with them whether the AC issue was resolved in my room. I was shocked to hear that there was NO complaint registered at all the previous night. My wife was in tears pleading. The receoption clerk passed us on to her team leader who for a change was understanding and offered to have the technician right over to our room to check on the issue. He also offered us an upgrade to a private breakfast for our troubles. When the technician finally turned up to our room, and spent no more than 15 mins checkng the vents, ( he hardly spoke any english). On querying the issue, he mentioned it was a security problem and that he had resolved it. I did tell him that the room temeprature still did not cool down to which re replied that it would take time and then left our room. A nd to our worst fears, the room temperature never lowered and it continued to be warm. We had a 3rd sleepless sweaty night. THanks to you guys SOme of the other problems in the room like a few insects crawling inthe crater corners beween the bath tub and the wall, I choose to ignore. My Question to the Disney Management is 1. Do you design the Disney package offer intentionally to include sub standard rooms/ hotels at inflated prices because you bank on the customers to spend most of the time in the park and ignore the state of your rooms ? 2. Is this part of your profitability strategy ? Surely, it cannot be a customer retention strategy. Please treat this email as a formal complaint, which I demand an explanation from the Hotel / Disney management. I wish to charge the Newport Bay hotel for damages for my holiday time, trouble and stress that this hotel stay has caused me and my family.

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?

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. after 4 weeks, same excuses, same answers, it is not creative at all, I have to say it is not a "good liar". I'm still in waiting, wrote a letter to them already, no reply. u know what because their initial contact number is on the product instruction book (argos product), so whoever call them to book their service will receive "good Luck". So they just don't care about their bad customer service. Maybe bring 0800 repair to court is the last solution, I'm about to make my idea.:mad2:

Read more : http://uk.finance.yahoo.com/news/best-worst-car-insurers-092605067.html

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.

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 children. And in May four British tourists paid an extortionate £54 for ice creams in Rome. The incident prompted the city’s mayor to offer them a free holiday by way of apology. More... If I asked for an ice-cream and was charged £54 for it, I would tell them to stuff it.

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 online purchases, Channel 4 Dispatches went undercover to find out why couriers sometimes fail to deliver." This should have an X certificate The full programme should be available somewhere, I will see if I can find it.

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 so scared and have no idea what to do or where to start. All are due at end of the month, just been deferring and rolling over. Please help. Oh also paying bk wonga £53.91 a month due to muck up at there end Loz x

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 Credit. Two-thirds of individual states in the USA have done the same, like Florida, where lenders can charge no more than 10% of the amount lent plus a $5 fee. The latest country to crack down on payday parasites is Australia, where lenders are limited to charging 20% of a loan under £1,300 upfront and 4% a month after that. Yet here in the UK, our payday lenders peddle loans costing 4,000% annual interest. They dispute these "annual percentage rate" figures, saying the actual costs are more like 300% to 400% - as if that was fine. http://blogs.mirror.co.uk/investigations/2012/11/as-the-rest-of-the-world-curbs.html?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+mirror%2Finvestigations+%28Mirror+-+Investigations%29

Hi everyone, I stupidly borrowed £400 off these idiots back in December/January which i could not pay off. They kept taking money out of my Lloyds TSB account totaling £100 which put me in a mess with my account and now i owe nearly £1000 to Lloyds for charges and unarranged overdrafts! The problem i have is now 6 months down the line, with no contact at all apart from a couple of texts a few months ago threatening me with the bailiffs, i got a call from a women who worked for them saying i now owe CFO £1000, so the £400 loan is now at £1000. I told her i wouldn't be paying it and why hasn't this been defaulted on my credit file or sent to the debt collectors, the stupid women didn't have a clue what she was talking about and ended up saying she would be happy to accept £550 within 10 days of the phone call. I asked her why letters haven't been sent out and she said it's my fault why the loan is now so high because i never got in contact with them, but i sent numerous emails trying to arrange a repayment plan months before. How do i deal with these people? I don't want to end up paying £5000 on a £400 loan! The idiot even ended up putting the phone down on me. Thanks for any help.