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    • have you fund a comparator by looking at previous cases and awards? Are they all for the same event or have you suffered 3 different episodes of discrimination. If it a continuous  wrongdoing then you will look at a higher tier for say DD than you would for a single event
    • Oops. I had forgot I had already written to you guys about this. So a recap up to present date:  continued paying £20 each month, heard nothing from them. Back in 2013 they asked me to pay them rather than direct to HFC. I said I wouldn't until I got this request direct from HFC. I did get this from hsbc so I changed my payments. I got a letter from them last week asking me to contact them. I replied saying I couldn't afford more than £20 per month. I then get a phone call this afternoon which I didn't answer and a voice messsge asking me to ring them which I haven't. This debt is no longer on my Experian file. So what should I do next. Btw I only get statements when I ask for them. Certainly not every 6 months or even yearly. 
    • It won't let me post it  Ok it worked 
    • compensation is designed to put you back in a place where you started out so insurers will pay yu for a stolen watch if they cant actually replace the item with an exact same one. Now compensation is also given where recognition of a wrong is being offered so a company whose service has fallen below an acceptable level will usually send someone a gift in recognition of this. they cant be forced to offer money because you have made no loss they are responsible for so your expected eligibility doesnt have any grounding. If you had made a suggestion of what was a suitable gesture I'm sure they wouldnt have sent what they did but as the complaint was about an allergen then choccies or flowers would have been a no-no. i am sorry that things got complicated but their decision to let you decide how to distribute their largesse is commendable as well and i must say that a line has to be drawn under this somewhere.   You could ask for a discount code for your next purchase as you say you buy online as this is less in your face than asking for a voucher that may possibly be passed on in the same way that you can pass on their current offer.
    • Just to update everyone.   Witness statement, ROP letter and alleged credit agreement filed at court this morning.  I have also sent them the same which they will receive tomorrow morning.   There is nothing on my credit files, nor any searches.  The default dropped off my file a few months ago after 6 long years.  My file is completely clean now, and I'm hoping it stays that way.        
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    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
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    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
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mac1984

Oriel Collections???

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i have put my complaint in about these- irresponsible lending and bad debt collection methods

 

DX is right

It is only through complaints that the PDL industry has been sorted out (to a point)

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Debt Settled for £600. Still too much I know, but its now gone.

 

I can easily lose that amount in the bookies in minutes on the machines so I'm not really bothered.

 

I'm now free from payday loans and there is no more defaults remaining to be cleared on my credit record so things can only improve from here.

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These guys also portray themselves as collecting for the music industry. Real chancers!

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