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    • Hi everyone. We purchased a new bed from dreams 26/12/2017 which was delivered 01/02/2018.  We also purchased their delivery, assembly, take the old one away, tv, mattress, mattress protector, pillows and their 'bed cover' 8 years extended warranty.  We paid by 30 monthly interest free instalments and so just made the final payment.   It is a heavy duty king size lift up storage bed with a built in tv at the end.  It has always been a struggle to lift, my wife cannot do it on her own and it rarely stays up by itself.   At the beginning of this year, we noticed it had started to dip considerably in the middle.  Not the mattress, but the wooden base the mattress is on.  So on 09/02/2020 I emailed them about the issue.  They started by saying the mattress is not covered only the base, until I pointed out it is the base at fault not the mattress.  So they sent out Homeserve on the 25/02/2020 to come and repair.  He did what he called a temporary repair, said that the bed had failed due to a manufacturing or design fault (the metal bolts holding the wooden base to the lift up supports have pulled out of the wood) and that dreams would be in touch to arrange a replacement.  His temporary repair barely lasted a day, the bed was still dipping and he took plenty of photos for himself but seemed in a mad rush to leave.   Of course they didn't contact us, so on 30/03/2020 I emailed them back.  01/04/2020 they emailed back confirming in writing that it is a manufacturing fault and their sales team would contact me, however as expected due to Covid-19 this may take a while.   30/06/2020 I asked for an update.  03/07/2020 they replied saying their claims department would contact me within 5 working days.  They didn't. 15/07/2020 I emailed back asking them to escalate my complaint as well as providing a refund and compensation as we are now struggling to sleep and experiencing back ache due to the bed's extreme dipping, plus I am worried about the mattress getting damaged. 23/07/2020 They replied saying we are not entitled to a refund as it is a guarantee claim and they have passed it once again this time to their guarantee company to contact us. I have still not heard back.   This is now getting beyond a joke and I wanted some guidance on how I should proceed.  We are struggling to sleep in the bed and cannot now even open the bed to access our belongings inside as as soon as you try and lift you hear the sound of breaking wood.   Many thanks  
    • bit obv really... don't eat yellow snow either.   dx  
    • I know you are trivialising this as, 'Ambulance Chasing Lawyers', because they are perceived to be involved. You mention BMW (other brands as well). Counterfeit car and truck parts have been implicated, and proven to be the cause, of accidents where fatalities have occurred.   There is some considerable difference between a set of counterfeit brake pads and a fake SD Card.   The trademark infringement though, is the same.   H
    • One hope in this growing mess is that local authorities, mainly in the north west so far, like Liverpool, are developing their own systems to test and trace, filling in the gaps of what Serco et al are missing.   But they're doing it with precious little in the way of funding. In the meantime it looks as if Serco [I think it's them] will be given more hundreds of millions on top of the £100 million that hasn't been effective so far in a couple of weeks. Given that the PM has swanned off to Scotland for a couple of weeks this isn't looking good.
    • i've known 10yrs of DD's to be refunded. the company must prove a valid contract for the period. no proof the DD's all get refunded   dx  
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    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
      • 16 replies

Abbey-taken charges from tax credits and refuse to give me it back!

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Ive been with Abbey for about 9 years and over the last two, they have made so many errors on my account, ive lost count. About 4 or 5 times, they havent cancelled direct debits when requested, resulting in excessive charges. They sent THREE payments to the wrong place in the space of a week, resulting in me being charged by the creditor for late payments, they paid my rent by mistake just before i was due to go on holiday, meaning i had no holiday money. Their service is just appaling!


Why dont i change banks i hear you cry, well, i have a recent ccj ,due to redundancy which has made it impossible to get another account, so im stuck with their incompetence for now!


So the latest in a line of error, once again, i cancelled direct debits online, for some reason, Abbey did not cancel them, so again 5 charges of £35 were placed on my account for unpaid direct debits.

I received letters informing me of this and so immediately called Abbey, asked why they hadnt been cancelled and was told it definitely was not in their error and they would cancel them there and there, which they did.

I asked them to look into the situation, they stood by the fact that it wasnt their error. So i asked, given the amount of mistakes that had been made on my account for them to make sure the charges wernt placed on my account, to which the man told me to call back when the charges were due to leave my account and they would see what they could do.


So i called back and was told as a goodwill gesture, they would reverse ONE charge, i said i would still purse the matter through their complaints department as i genuinely cancelled the direct debits and there mst have been a glitch in their system. The man reversed the charge and said would i accept that, i responded that if he wanted to reverse the charge that was up to him, but that was not my acceptance of the charges!


I had my tax credits paid into that account and unfortunately didnt manage to stop the payments in time, so one payment of tax credits went into the account and went towards the charges. This is the money i live off and support my son with and i know that legally, banks arent allowed to take benefits towards charges. Is it the same for tax credits?


Ive been in the same situation before and the bank did return the money straight away, but when i called on Wednesday to ask that Abbey make the funds available, i was told that they couldnt do that until looking in whether the charges were in their error and would have to listen to the phone calls to see if i had accepted the £35 reversal as the end of the matter! I told them that under no uncertain terms had i said that i would accept that the charges were in my error OR the £35 reversal as the matter resolved and even if i had AND the charges were in my error was irrelevant as they couldnt legally take that money towards the charges. The woman was downright rude and refused to do anything other than ask a manager to call me within 48 hours! Its now 3 days later and i havent heard anything!


So im sorry for the really long message, but its really complicated, id just really like to know where i stand as i keep having to call their 0845 number which is costing me a fortune, yet im not getting anywhere!


Any help appreciated!

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