Jump to content
  • Tweets

  • Posts

    • as i said unsure of what this 15% is about.   the FOS/FCA clearly describe how refund calcs show have been made the their relevant sites.   p'haps at this juncture it might be better to scan up to ONE multipage PDF their refund letters  another set of eyes is always belter.   please read our upload guide carefully      
    • I wouldn't bother with emailing Virgin's CEO.   In April I started a complaint about my BB connection which they repaired quickly but charged me to repair.   I was mostly ignored or promised resolution that never happened. So I complained by email to the CEO, twice, demanding written responses. On each occasion, a lowly call centre worker called and it was obvious they knew or cared little about my actual case.   Finally I got a written reply confirming the charge was dropped but not a penny offered in compo despite the issue taking months to resolve.   Virgin don't take CEO complaints seriously.
    • Dear All,   BN, BF, HB, - Thank you for your comments.    Yes sorry, i wanted to save some time by doing that as I wanted to carry out the posting ASAP OK, I have redacted the statement and it is attached here in the PDF doc.   Its our 2nd draft and I will fine tune it tonight / tomorow.   Thank you for putting me right.    Warm regards BF   Counterclaim-1.pdf
    • So according to this calculator my refund should be £4562.96 at the 8%.   This is in line with some of the management firms calculator on-line.   I have checked their letter again and they have paid from 1 Jan 1989 - 1 Jan 1994 only. They have refunded all the insurance premiums totalling £469.50 and the interest paid on the premiums to date of £257.90.  Additional interest of £1,436.36 after tax on top of refund as compensation.  Statutory rate of 8% from 1 Apr 1993 and at 15% before that.  They have not provided a breakdown of payments from 15% - 8%.  Only below:   £  469.50 - Refund of PPI premiums paid £  257.90 - Refund of interest charge on the premiums paid £1,795.44 - Statutory compensation -£      0.00 - Less any previous successful claim -£      0.00 - Less any previous refunds made directly as result of this policy -£       0.00 - Less any statutory compensation already paid -£   359.08 - Deduction from any statutory compensation interest for income tax at 20% _________ £2,163.76 - Total refund due   This will be the second time I am returning their calculations.  They made a decision last year and used a wrong date as they could not read the date and made up a date then it went to the back of the queue to be recalculated.  I had already queried the refund amount with them and they have moved the date again from the 22 Jan to 1 Jan!   Are they using a different calculator/principal why the figures are so far apart?  How am I going to show them this calculation without it going to FOS and sitting there for years to be assessed?   Can I also ask how to do the 15% calculation?  Thanks so much.  
    • Hi Burma.   You've been here for a while and I have to say I'm a bit disappointed that you're PMing this to various people off the main thread.   Advice by PM isn't what we advise here and I hope that you can post up your anonymised documents very soon.   HB
  • 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

Ban on smoking in cars by October 2015


Please note that this topic has not had any new posts for the last 2090 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

Smoking in cars carrying children is set to become illegal in England late next year in the biggest crackdown on lighting up since the ban on smoking in public places in 2007.

 

On Wednesday the government will lay the regulations in parliament needed to pave the way for the new restriction on smoking, which is likely to come into force on 1 October 2015.

 

The measure will criminalise smoking by parents, carers or other adults in a car carrying anyone under 18.

 

Enforcement officers would be able to issue a £50 fixed penalty notice both for smoking in the vehicle and failure to prevent smoking in the vehicle.

 

If the case goes to court, the maximum fine will soar to £800 for someone caught smoking in a car carrying a child and £10,000 for a driver who fails to prevent someone else smoking.

Link to post
Share on other sites

Not before time.

 

I hope that they ban smoking in queues next - and bus shelters

Link to post
Share on other sites

While I agree that you should not smoke in a car with a child in it I have a vague memory that when the law concerning wearing of seat belts came in it had to be amended from fining the driver if someone was not wearing a seat belt in the car you were driving to fining the person who should have worn the seat belt after a case concerning a chauffer who was fined when his passenger was not wearing a seat belt and would have been sacked if he had insisted on the passenger wearing one.

 

 

 

 

dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

Link to post
Share on other sites

dpick.. Perhaps your reasoning is right. If I'm driving and someone else lights up I'd ask them to stop and if they refuse would that be an excuse for stopping on the M6 and kicking someone out? The government can't police what they have so introducing more legislation is just like trying to ice a cake you can't reach.

 

 

Will they ban, 'fat people' from KFC? Will they ban people from aisles of cleaning products that are obsessive cleaners?

 

We are being dictated to. It's not the role of government to do this.

Link to post
Share on other sites
dpick.. Perhaps your reasoning is right. If I'm driving and someone else lights up I'd ask them to stop and if they refuse would that be an excuse for stopping on the M6 and kicking someone out? The government can't police what they have so introducing more legislation is just like trying to ice a cake you can't reach.

 

Will they ban, 'fat people' from KFC? Will they ban people from aisles of cleaning products that are obsessive cleaners?

 

We are being dictated to. It's not the role of government to do this.

 

 

Totally agree with you!

 

The Police are stretched so thin these days, that when you ring to report a crime/or in need of them, unless it's a dire emergency you have to wait hours & even days for them to come see you!(That's even if they turn up at all!)

 

Yet they are now also expected to watch out for & to fine those who smoke in a vehicle with kids in?

 

So yes while in theory it sounds good, I feel it's going to be a bit of a nightmare to police.

 

I also feel it's just another money making scheme our Government has come up with under the guise of what's best for the under 18s!!

 

George Orwell got it "oh so right" back then, when he wrote his books Animal Farm & 1984.

 

As Big Brother most defiantly is watching us esp with the amount of CCTV & Cameras everywhere & now we face being ruled by a Dictatorship!

 

Who decide what we can/can't do!

 

Where does it all end?

I don't suffer from insanity, I enjoy every single minute of it!!

Link to post
Share on other sites

Guys, they have technology in place, the US has satellites that can read 'The Readers Digest' cover to cover from space. The government will use security cameras already installed to generate automatic fines. Infrastructure already in place. The result, millions in fines to councils.

Link to post
Share on other sites

Its a brilliant idea and will safeguard many children's health.

 

However it is almost impossible to enforce.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

I always though that it was already illegal to smoke in a car carrying a minor and at a bus shelter.

Silly me, let me get my kids in the car, park under a bus shelter and light a fag before it really becomes illegal 😊

Link to post
Share on other sites

Might sound silly, but if people smoke in an enclosed space with small children around that have no choice but to be there and suffer, then child abuse comes to mind.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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

Aside from the WHO report outlining that children of smokers were 17% less likely to contract smoking related disease in later life due to their immune systems being exposed to and becoming 'aware' of the toxins, who are the government to tell anyone what they can and can't do on private property so long as it harms no-one?

Ridiculous law from a desperate government.

So, after selling Dartford bridge/tunnel to bring cash in they are attempting to crimilise as many as possible in an effort to raise funds?

 

How much does that stink of desperation?

Link to post
Share on other sites

Nobodies stopping others quietly killing themselves by smoking. What needs to stop is letting smokers smoke around children or non smokers and stopping the NHS dealing with smoking related illness's and diseases.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites
Nobodies stopping others quietly killing themselves by smoking. What needs to stop is letting smokers smoke around children or non smokers and stopping the NHS dealing with smoking related illness's and diseases.

 

...and as such, making them 17% MORE likely to contract smoking related diseases in later life...according to WHO.

Link to post
Share on other sites

People can get overweight for a myriad of reasons. Not just by eating food. Smokers cause their own problems by inhaling many drugs, and then boast about it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites
Its a brilliant idea and will safeguard many children's health.

 

However it is almost impossible to enforce.

 

It is supposedly illegal to smoke in bus shelters and there are signs up. Doesn't stop people though.

 

How exactly is this going to be enforced?

 

 

They manage to catch a lot on the phone.

Link to post
Share on other sites

Stop pussyfooting around.. make smoking anything a criminal offence.. oh, and by the way, whilst we are at it.. criminalise anyone found drinking alcohol... That will stop the run on organ kidneys, livers and hearts from alcohol abuse !

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

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

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...