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    • How did you purchase the goods? (instore or online)   How did you pay for the goods? (cash or card and which card method if paid by card i.e. debt card etc.)        
    • Thanks for the reply which makes the case more simple.   As the young gym member was under 18 when she joined, she was a minor and the gym or their admin Co. cannot enforce any contract or agreement with her.   She can reply to any demand from the gym saying :-   " I was a minor at the time of signing the membership and cannot be held to any contract terms associated with such a membership agreement. Accordingly no further demands should be made and this should be the end of the matter. Yours faithfully, YD"   Send this to the gym's address by letter and get a free Cert of Posting at the PO Counter.   Keep us posted please
    • sorry Scania ..so you have a problem with the product?  
    • Morrisons supermarket sell clothing under the Nutmeg brand.  Generally, these goods are of decent quality and not too expensive. There is a fairly wide range. Like other supermarkets, their sizes should be taken with a large pinch of salt.   Unfortunately, Morrison's merchandise these clothes through an outfit called Deeset. When things go wrong then your troubles really begin.   Deeset won't reply to emails. They operate a confounded automatic phone system where your call is put in a queue. EVENTUALLY, you receive a message that no one is available to take your call.   Their shop floor workers are not allowed to order goods in for you and not allowed to phone head office.   It's inconceivable that a prestigious company like Morrison's should be involved with an outfit like Deeset, which does no good for Morrison's image.
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    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
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    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
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Over Overdraft Limit Charge

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I went over my overdraft limit which means they bounced a few direct debits and cheques and now they have given me a total charge for the month of £212

 

How the hell can you get out of your overdraft if they charge this amount which is extortion

 

I called the bank and questioned this and was told by some woman that there is nothing the bank can do as even the employees get the same charges which cannot be waved

 

Is the government going to stop the banks from helping themselves to our money or at least charge a realistic amount because £38.00 for a bounced DD is not fair

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The Government(OFT) are suing the Banks in the court....we both know that ;)


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Checked my statement and have another £272 in charges so I called the branch manager and she did not care in the least at least dick turpin wore a mask

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No doubt you have had a letter to state that you have incurred these charges.

 

I would suggest writing to the back requesting that they refund the charges, state that you are more than prepared to pay a reasonable charge for your breach of contract - however find the penalty charges that have recently been levied to be excessive, especially as the processes involved are automated.

 

Obviously be nice and polite as this will be your first letter.

 

However state that you are prepared to take this matter to the Financial Ombudsman who will charge £450 for their involvement if an agreement can't be reached beforehand, or to county court where hearing fees and so forth would mount up and be payable. In either instances you would state that you are in hardship and request that your complaint or claim would be allowed to proceed..... however you would prefer to settle this matter amicably rather as you have had no previous problems with the bank and have found the service exceptional in the past etc etc.

 

They should refund the charges after a few letters, otherwise ultimately they will have to fork out more eventually.


Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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