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    • Giffgaff works on O2's network.   If there was a mast down then O2 would have been down too (though O2's customer services may have handled things differently.....   In my experience though, giffgaff's C/S is way better than O2's ......... (Might the issue may have been O2 telling giffgaff the mast wasn't down, when it was?)
    • I am on o2 pay as you go and have been for years, never had a problem, I only have a basic phone with no camera or internet, costs me £5 a month lol, also get rewards every 3 months
    • Use the cerdit for a goodybag, put off moving for a month ... think of it as getting a month's worth out of giffgaff that you otherwise wouldn't have?
    • I'm definitely looking for monthly only. Giffgaff has been great, but recently a mast was broken in my area and they spent over two weeks telling me there was nothing wrong and eventually agreed that there was. Although mast seems now to have been repaired, I wasn't happy about the way they dealt with it. That doesn't mean that other companies aren't exactly the same but I checked and Lebara has got just as good coverage in my area also has 5G whereas the O2 5G coverage is very poor. Also free international calls is pretty attractive but I have to say that I do feel a bit concerned about making the jump. Also I've got about 13 quid locked up in credit which apparently they simply keep if you leave them and I can't see any way to transfer to some other account
    • I haven't, (moved giffgaff to Lebara)  but can offer some points to consider (and that those who have moved can comment on .....)   Firstly, does O2 (Giffgaff) cover where you need your phone most? Does Vodafone (Lebara)?. No network will cover everywhere you MIGHT need to use it, but you can check for where you know you'll use it most : No point in having a magnificent and cheaper inclusive package if it doesn't work where you need it most ......   Secondly,. how good is Lebara's customer service?. Much of giffgaff's CS is provided by giffgaff's users, but is does lead to a good knowledge base, and giffgaff has an excellent reputation for customer service (I know you already know to keep e-mail trails and recording of calls, but it is way better to not have to get into that level of discussion if they'll instead sort any issues ab initio).   Thirdly, are you looking for a 30-day rolling contract or a longer SIM-only deal? you'll likely get better value with a SIM-only, but are 'locked in' to a minimum term. (is where you'll need it most likely to change within the minimum term? if so, 30-day rolling may be a better option than a 12-month or longer SIM-only).   Are any network features a) essential? b) desirable. I'm thinking  of features such as call diversion, 3-way calling, and wi-fi calling...... (not that these may be available on either of giffgaff or lebara - I'd have to check) For example .... Voxi doesn't do call diversion, and many of the features are available on the host network but not the MNVO's, but knowing what features are essential and if any are desirable might be the deciding factor all else being equal.   Then (and probably only then): what sort of package are you looking for? Calls? texts? data?? International calling? (to international? from abroad??). Video streaming? Music streaming?? Cost is a major factor, but a cheaper deal that doesn't meet your needs re: coverage, features and customer service can turn out to be false economy. If you do masses of streaming, then Voxi (also on Voda's network) might be a good option over Lebara if it is Voda's network that is your prime motivation for moving.
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HBOS PPI reclaim


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You will enter as a long list all of the payment amounts we have been discussing.

 

For the list, data is entered in three columns.

 

The date of the payment (Goes in the column headed "Date of Charge")

 

The description, for example "Loan1 PPI" or Loan "1 PPI in Loan 2" (Goes in the column headed "Description")

 

The amount of the payment (Goes in the columns headed "Amount of Charge")

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Yes...just moving ahead...when loan Consolidation 3 is settled early there will be no rollover...how does one deal with that settlement figure which is actually

is £16,217.51 settled on 10/02/2005

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Use the percentages we have just been talking about

 

2.13%

 

7.0%

 

17.35%

 

These will be your final entries in the spreadsheet list

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Thanking you in advance..no doubt when it is finished I shall attach the spreadsheet up for your opinion and subject to that send it off on bhalf of my friend where a speedy response will certainly result in donation to this wonderful site.:-)

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  • 6 months later...

The original loan had no signature in the box. and ppi was added anyway without my friends knowledge..the 2 consolidation loans did have siggy's but my colleague thought that he HAD to sign because the PPI was already on it...so really he was misled and believed he had NO CHOICE but to sign something that he never really knew he had nor wanted from the beginning...so not voluntary in the truest sense...the calculation was spot on...so thanks again for the method of calculation/advice ims/dx

Edited by means2anend
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