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    • The country has seen electricity shortages that have left some factories and homes without power.View the full article
    • HI   Ah that little lets downgrade it to a Stage 1 Complaint so it looks like wee dealt with it properly if the Regulator looks at our books/files.   It's a tactic Housing Association use even my own recently tried that and I refused to let them get away with it.   So you respond to the Customer Service Manager NOT BY PHONE unless you can record the call.   To Customer Service Manager   Following our telephone conversation on XX/XX/2021 reference my Formal  Complaint you informed me that my Complaint was being dealt with as a Stage 1 Complaint.   I find this unacceptable as this Complaint was made via T&C online Portal with Acknowledgement receipt from T%C of my Complaint in July 2021 and T&C have now only decided to deal with this after I recently had to Hand Deliver (16th Sept 2021) that Complaint to your Office which is  unacceptable.   Therefore T&C have had from July 2021 to resolve this Complaint as per your own Stage 1 Complaint procedure and I quote:   Stage 1: Your complaint will be allocated to a member of staff who will contact you within 2 working days to discuss your complaint and understand the problem. We aim to resolve complaints within 10 working days, but sometimes investigations can take longer. In this case we’ll let you know, keep you updated and agree a timescale for our response with you. As the above has not been carried out and was only acted upon as previously stated when I hand delivered  my Complaint again on 16th Sept 2021 to your Office this is not a Stage 1 Complaint as T&C have Failed to carryout the above Stage 1 Complaint Procedure since July 2021 therefore my Complaint should be Escalated to a Stage 2 Complaint as per your own Complaints Procedure. If T%C refuse to escalate this Complaint to Stage 2 I require full Clarification as to why.        
    • Hi guys, I have recently found this website and have been reading a lot regarding Hermes scandals. Thanks a lot to all the people running and supporting this forum. Doing lord's work. Here is my case, hope I can get some help. On 07/08/2021, I used Hermes service to ship my laptop however the laptop never reached its intended destination.  On 16/08/2021, I had a chat with their representative over the phone to get an update on the situation. I was told they will start a brief investigation to find my laptop. After a long wait, on 14/09/2021, it was confirmed that my laptop was indeed lost. On 25/09/2021, I filled in the compensation form.  On 27/09/2021, I received compensation of £20 + postage of £5.80. On 28/09/2021, I asked them to review their compensation and reimburse me in full. (Formal complaint) The laptop was purchased on 02/08/2021 priced at £1049. Do have a PayPal invoice for it. I did not use Hermes insurance as I didn't have any trouble with their deliveries in the past. The parcel was declared as a laptop. I have prepared a letter of claim to send them as soon as they reject my request to pay in full. Few questions, I couldn't find answers about: Do i need to send email to Hermes with letter of claim or post? Next steps: Wait for formal complaint's response..  Submit letter of claim, wait 2 weeks, then register and issue complain on money claim county court website? Hope i can get some feedback on my letter of claim.   Letter of claim1.pdf
    • See all resources available if you would like to become an apprentice in Coventry.View the full article
    • Funny you should mention it-I have today got a letter from the court telling me the judge's comments 'there is no record of an email of 23 July 2021 with the Help With Fees application' 'the Help With Fees code was not generated until either 21 April 2021 or 18 August 2021 and so cannot have been included in an email sent on 23 July 2021'.  'If you want to set aside the order of 2 Aug 2021(I assume that's the one that no-one vhas received,vacating the case) you must make an N244 application  and pay the fee of £255 or submit a Help With Fees application'.   They don't even know when the code was generated and have no idea whether this was before or after the email was sent to them...    
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Duff Man vs CitiCards

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Hi, not been on the site for a couple of years & I have finally decided to sort out all my cards/PPI with avengence.

I have had all my statements and sent out the letters detailing amounts of charges & interest earlier this week & have just received first reply back from Citi Cards with an offer of approx 1/7th of what was requesting with all the usual spiel from them about them only offering the difference between the then charge & the £12 now standard charge amount.

So my question is with regards to the next letter to send, I've looked around the site but I can't seem to find one for credit cards.

Has anyone got a link to the next template to use that has then resulted in a better offer from Citi Cards or should I just go straight to the Ombudsman ?

If it was staring me in the face & I have missed it then I'm happy to be pointed out of the error of my ways of being a numpty !! :)

Many thanks

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  • 3 weeks later...

Hi, would like to know what success anyone has had going to the Ombudsman when you are trying to claim charges older than 6 years ago. This seems to be my stumbling block at present with Citi Cards as well as them sticking to their guns over the £12 fee & only doing a part refund between that and the charged amount. Thanks in advance for any help. :)

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Certainly through the courts they are liable for the entire charge, we have templates which if adopted by the court mean that Citi's defence would be struck out if they were not to comply with a court order for a "breakdown of their costs".


They are under instructions however to defend all such cases, so you would be facing them in a county court - although that isn't as daunting as it might first seem.


From a courts point of view you would have to have a very good arguement as to why you should be allowed to claim back further that 6 years.


I would imagine that the FOS would not allow you to claim back further though it might be worth asking around on here - I think there is a section dedicated to the Financial Ombudsman service you might be able to find more details there.

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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Thankyou for that reply, I'll have a look through the section you mentioned. I'm starting another thread with a general question as I've noticed the change in approach over the % rate of interest that people are requesting as well as charges so I'll be more specific in that new thread as to my new query.

Cheers from the Duff Man, Oh - Yeah !!

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