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    • Hi   Something else I think you need to ask the Insurer for Clarification on is.   That you require full clarification on which clauses within the Terms & Condition of the Policy they are using to refuse payment under the Policy.     I would also consider sending the Insurer a Subject Access Request simply asking for 'ALL DATA' this covers whatever format they hold it in whether it be email/telephone recording/written format etc. (note: if they require you to use their own subject access request form always put 'ALL DATA' on their form)    
    • matters not what they come up with it's statute barred      
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    • Just received a letter from lowells sols stating they have note of my aos   They have stated they have attached -  Copy of agreement, statement and notice of assignment   HOWEVER - they had not attached my notice of assignment and they have sent me the same 'agreement' as before which was 3 pages of a computer print out, statement and some rehashed t's anc c's. i can re upload again but its exactly what i uploaded before   They state they have requested a copy of my default notice   So in light of this shall i still send the same defence? i think it still stands right?  
    • Just had a Clear Score update which says:   A credit or store card account will be removed from your January report. Organisation Name: Hoist Account Number: ****9048 Company Type: finance house What does this mean? This means that you’ve closed an account. Maybe you’ve changed your phone contract so the phone loan has been removed from your report. Why is this change not on my report yet? We get your credit report every month from Equifax, a credit reference agency. This update can be seen on your Equifax credit report now but will only be reflected in your ClearScore report when your report is next updated, which is on 2 January. Is this a usual part of the process? I'm submitting my defence this weekend. I'll post it on here first.
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Tesco Travel money

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Can someone give me some help or advice please

 

Not sure where to post this so hoping this is the correct place

 

Last week I went onto the Tesco Travel website to buy some currency (Euro's). I went through the order and spent £500 but the order declined for some reason, however Tesco have still tried to request the money from the back - Because of this the bank have reserved the £500 stopping me getting access to it.

 

Ive called Tesco who just apologised and said they will do something on their systems to tell the bank the un-restrict the money

 

Ive checked again this morning and I still cant get access to the funds, I have spend £8 on phone calls to Tesco already (so much for finding the best exchange rate after spending so much on calls)

 

Main issue is.... Im flying out Saturday and without this money I cant go anywhere

 

Help!

 

Thanks in advance


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Doesnt give much confidence for Tesco entering the banking industry does it.


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I know I didnt expect such a botch job :|


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Will their systems be working over the public holiday ? TBH, I am not quite sure what you can do that wont take time. Perhaps an email to the CEO of Tesco to advise that this is going to wreck your holiday if it isnt sorted and soon and that you require compensation for the inconvience.

 

It would be good if you knew which Bank cause the original transaction to be declined.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I would suggest getting into his bank as soon as they open tomorrow require them to release the £500 so he can get his currency then.


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Yes bank would be quickest option.They are often reluctant to reverse the transaction without some proof that the recipient has agreed.

You need to tell them that you are giving the bank an instruction and they are required to act on it.

They are likely to say that if the request comes back they will have to honour it etc etc.

If you have any proof of comms with Tesco-take this with you.


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Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thank you Martin

 

No luck from the bank yet and the funds are still held

 

Ive sent an email to the director of Tesco Bank but no doubt that will just be passed to someone to deal over the next few days..Holiday in 2 days... doesnt look promising ill get it

 

I literally cant go on holiday without the funds being given back to me, can I claim the holiday costs back from Tesco, or would that be a complicated process?


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The bank is telling porkies if they are saying they cannot reverse the transaction.

They will usually tell you to wait,as if the recipient does not collect the funds in a few days,it is then made available to you to draw on.

Did you go down to your bank in person ?


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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The bank cannot refuse to reverse the payment immediately, maybe phone Tesco Bank early am or now give them the banks contact name and phone number and tell em to sort it.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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