Jump to content
  • Tweets

  • Posts

    • Hi all, Hope someone can assist me as I feel a bit out of my depth.   Sorry for a long post in advance, it's probably best to set the scene as full as possible. We purchased 2 flights to Canada and returning to the UK from San Diego, the flights were with American Airlines (operated by BA) but importantly, booked through a travel agent budgetAir.co.uk on 9th January 2020.   BudgetAir’s first failure was to inform us that part of the flight was cancelled but after we discovered this from the airline and drew it to their attention, there were no suitable alternatives available so they agreed to refund the cost on 20th August.   EU law says they have to refund me within 7 days of a cancellation but obviously with the pandemic and they having to get the money back from the airline it’s reasonable to wait longer. The problem here is they keep telling me to be patient but American Airlines keep telling me that nobody has asked for a refund yet. Just for clarification I keep asking American Airlines as other people in a group I belong to have been waiting since February/March with no refunds.   On 26th September I sent BudgetAir a “notice before action” giving them 7 days to either refund me or for us to agree a mutually agreeable future date for a refund. On 5th October I started a MCOL which was issued the following day on 6th October. On 26th October I requested a default judgement which was issued today 18th October.   Two things concern me: 1, BudgetAir are a part of Travix International B.V in Amsterdam, BudgetAir are not listed as a Limited company in the UK, BudgetAir.co.uk is a trading name of Travix International B.V they use in the United Kingdom. This is the only UK address they provide anywhere on their documentation, this also explains a little more of the company structure: https://www.budgetair.co.uk/about I’m concerned I have used the right company name on the MCOL but it’s the only name they trade with I the UK.   2, My second concern is the address, I believe the London address may be no more than a postal address and will not give high court bailiffs any ability to recover goods. With the above thoughts, I don’t know how to proceed now I have got a judgement, assuming they don’t pay. My only option could be a 'third-party debt order' but I don’t know how to get any bank details, I paid my credit card and have no information (nor can I find online) about their banks.   Any thoughts would be gratefully received, Many thanks Anthony.
    • usually down to money laundering rules. barclays are the usual favourite for this happening to people not heard of Satans bank doing it before. have they also trashed your credit file with a CIFAS marker?   do you have written proof of the sale of the car? and proof from the buyer that they made the BACS transfer?            
    • Hellooooo I’m after some advice! Bare with me, bit of a long one! Back in June I purchased 6 lovely chairs for £700 from a company on EBay.   They sent them to me at my request at the end of July once I’d moved into my property.   About a month ago I noticed the stitching coming undone on one of the chairs   I asked for a replacement as you dont expect that from a chair costing over £100.  The company were great and collected and gave me a replacement no quibble. However, when I unwrapped the chair it was obviously a smaller, cheaper chair. Similar, but not the same as what I had. I complained.   This is now the issue; They want me to pay £70 for a courier to collect the chair and for me to receive another. My question is, should I have to pay this? It was their mistake in sending me the wrong chair so surely they are liable?  As you can imagine I am now in a stale mate with them until one of us gives in 🤷🏻‍♀️   Note: I have opened an ebay complaint but after talking to eBay they won’t do anything. I have opened a PayPal complaint to see what happens there but the supplier is yet to respond on PayPal and just responds in broken English through eBay every now and then that he will not send me a replacement chair 🤷🏻‍♀️
    • There are some significant problems with the accuracy of the saliva tests although they are useful if the process is managed properly - fat chance. Millions of tests have been 'bought by handcock that are unfit I believe ..   Saliva tests were to be tested on 250000 as detailed higher in thread @ the rate of 250 a day (thats 3 years ...) - failed and pulled Then they were going out to schools then somewhere else then ... charged for at heathrow (stanley must want to go to Singapore) .. then hospitals then ... ferk knows   How the hell can these people still be in office !!! We should be docking the fees out of their universal credit for the rest of their unemployable lives after asset stripping them as a down payment on what they owe us.
    • see the lloyds forum on this site greshan house address i believe.   dx  
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

The best and worst car insurers

Please note that this topic has not had any new posts for the last 2580 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts


Ever wondered which company is the best for car insurance in the UK? And which you should avoid taking out a policy with?


Well Auto Express has put together a countdown of the best and worst car insurers in its latest Driver Power Survey that might steer you in the right direction.


Over 46,000 motorists were asked to judge car insurers and brokers on five areas: communication, speed of settling a claim, helpfulness, value for money and the overall service.


So which car insurer was voted top and which came bottom?






The Best Car Insurer


NFU blew the competition out of the water and achieved a score of 89.09%, ticking the right boxes for great customer service and attentive staff.




The worst car insurer


At the other end of the scale, Diamond, which provides car insurance ‘shaped’ for women, finished last in the survey of 40 car insurers.



Read more : http://uk.finance.yahoo.com/news/best-worst-car-insurers-092605067.html

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





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.



Link to post
Share on other sites

It is interesting that the companies that are the best have management who care about good standards of customer service, with staff who have good understanding of Insurance. NFU for example are committed to having staff who study for Insurance qualifications. Some of the worst companies, have cheaper operations with some outsourcing and management who are less concerned with customer service and are more interested in short term profit making.

We could do with some help from you.



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


If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites
  • 3 weeks later...

Is it only me, or does anyone else think its hilarious that due to the evil ways of Google Ads and the fact that I got a quote recently from a certain company, this page with its somewhat negative view of Hastings Direct has an advert at both the top and bottom of the page for.... Hastings Direct! :wink::roll:

Link to post
Share on other sites
Is it only me, or does anyone else think its hilarious that due to the evil ways of Google Ads and the fact that I got a quote recently from a certain company, this page with its somewhat negative view of Hastings Direct has an advert at both the top and bottom of the page for.... Hastings Direct! :wink::roll:


Yes that is always amusing. On another politics type forum I was getting Google ads for dating women in uniform and mature dating etc. I was thinking that I had not looked at such sites to generate the ads and then others reported that they also had the same ads appearing. So some ads get placed depending on what cookies you have on your computer and others are placed because they think the site might attract interest. I suppose the calculation on the politics site is that there will be people looking for a bit of fun, evidenced by the behaviour of politicians over many years.

We could do with some help from you.



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


If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Google sets ads mainly on what is in your browser history so we can all see the same page but all with differing adverts.


I would advise everyone to download Ccleaner and run the boxes ticked except the bottom one as that can take some time.


Ccleaner will clear all your browser history as well as a multitude of other crap that can slow you pc down, it is free and the most recommended cleaner out there at present.


It can be set to run each time the pc is switched on.

Link to post
Share on other sites
  • 1 month later...

Not surprised that Diamond are bottom but amazed their sister companies Admiral, Bell and Elephant don't get a mention. They are popular (cheap) companies with a combined sizeable market share.


My past experience of Admiral put them low on the list and my recent insurers LV= and John Lewis justify their relatively high position.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...