Jump to content


  • Tweets

  • Posts

    • Part of the POFA rules for creating a liability to pay a parking co is identifying the land they control so is there another palce of the incorrect name? If so then photographs of the other site will prove that your vehicle cnat possibly have been there as the images they will produce wont match the background etc. If however Bromhall developments is the name of their employer would the land in question be known by the same name for the entire development?   The POC is the usual rubbish and inaccurate one they cribbed from Gladstones so can be attacked in your outline defence.   Now I have googled Broomhall developments and they are an Irish Co that has bult a similar named housing estate in IRELAND. ther is also  a Broomhall gateway development plan for SCOTLAND but nothing in England, let alone Sheffield specifically   defence has to be in a fortnight after the deadline for the AOS assuming you get that in on time.   On google noseyneighbour I can see signs near to the parking bays that say permit holders only so unless you have a permit the signage doesnt apply to youas you would be prohibited fro parking there anyway. So with this in mind were you parked in a bay or on the road? Were you visiting or connected to the property that bay was allocated to and if so can you find out if the bay is part fo the property and noted in the deeds. If it is then it has nowt to do with VCS.   So you are going to grab some pictures and then you compare these to the web site of Broomhall development in ireland and that will be part fo your evidence   Also ask council when the Close was adopted by council as it appears to be a public highway
    • Ericsbrother   If I had the opportunity at the time I would have argued the value on the Court claim, however this wouldn't have changed by a significant amount.  So asking for it to be set aside is probably not going to end this in the long run.   No we don't owe any money to the business.   We have a good set of books and records.  No account filed as of yet.   The company is still 'active' on companies house and has not been dissolved.  We only received the Notice of enforcement a few days ago.       What makes you think they can force entry into a domestic property?      
    • Sorry but I think that it is rather precipitative giving advice – and rather over-generalised advice at that – until we understand more detail about the circumstances.
    • now the terms will specify that they can cancel if weather if bad etc and you have to accept that but by doing so they have to accept that the voucher's term is extended or they must refund for their failure to perform to the contract. essentially you should have asked for a refund on a no fly day and they would have to comply and by continuing to  accept things you were blindly accepting alterations to the original conrcat and that makes things more difficult. i would write again giving them 14 days to refund as they ahve filed to perform to their contractual obligations and then sue them if they still dont cough up. However, this meaqns you must follow through with the threat of cort action so before you start you need to read up on the relevant consumer legislation and also about performance of contracts
    • They say I was on Broomhall Developments, the car was parked on Broomspring Close.  S37XA
  • Our picks

obiter dictum

Experian, Identity Fraud insurance Reclaim Response / Resolved

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1380 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

Two parts to this Question:

 

1/ Claiming back Credit Expert membership at £14.99 as £4.99 was compulsory identity watch insurance i never requested response

 

2. As my complaint and final response by Experian was done over email, Why did they send a hard copy response to my home addrerss that i no longer reside at.

 

3. Why are they so interested in my new home address.

 

Before anyone asks i am now on the electoral register at my new address since the beginning of september as i had to wait for the electorol services to update.

 

Original Email response

 

Our Ref: EXP000000

 

Dear Mr xxxxxx

 

Thank you for your email, which we received on 14/06/2015.

 

*Identity Fraud Expenses Insurance

 

I'm sorry to read of your concerns in relation to insurance. So that your concerns are fully addressed, I have passed the details of your complaint on to our Customer Relations team, who will contact you shortly with further information.

 

I can advise that our current membership is priced at £14.99 but does not include a premium for Identity Fraud Expenses Insurance. This feature was removed from our product in 2014, and replaced with an Enhanced Victim of Fraud service. This provides an additional level of support for those who have fallen victim to identity fraud.

 

Unfortunately we no longer provide a membership priced at £9.99, so I am unable to offer this.

I hope this clarifies the situation for you.

 

 

Kind regards

xxxxx

Customer Service Representative

Experian

 

Dear Mr xxxxx

 

Ref: 000000

 

*Identity Fraud Expenses Insurance

 

I write further to my email dated 15/06/15 (see attached). I can see that we sent you a letter in respect of your complaint on 17/06/15, however, this has only just been returned to us as undeliverable. For this reason, I would be grateful if you could confirm your correct current address, and I will resend our correspondence to you.

 

If you require any further assistance, please do not hesitate to contact us.

 

To get in touch you can email us at or visit our website at www.creditexpert.co.uk.

 

Kind Regards,

 

xxx xxx

 

Customer Support Centre

Experian

Edited by obiter dictum

Share this post


Link to post
Share on other sites

Are they even licenced to sell Insurance products ?

 

Or is it not really an insurance product, but simply an extra service they automatically included ?

 

The fact that they changed it from insurance to a service, may indicate there was a problem.

 

It is normal with complaints to send to a registered address, but if you previously confirmed your identity with the same email address, then i could not see a reason for not sending to your email address. But it may just be their practice to send to an official address.

 

The way to tackle this is to ask for their FCA registration details in regard to selling the insurance product and confirmation they come under the FOS in regard to insurance miss sellng issues. Tell them that you believe the insurance was miss sold, as you never asked for it and are seeking to reclaim it.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 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

Share this post


Link to post
Share on other sites

Will do and thanks.

 

I realise that was the standard "Bog off" response. Now they are on the hook and squrming i will start to reel them in

Share this post


Link to post
Share on other sites

I have now taken on board what you have said Unclebulgaria67 and have sent a full complaint five minutes ago with your suggestions.

 

I will update with the response received. i Like the FOS and FCA bit.

Share this post


Link to post
Share on other sites

theres a thread here that details the times and what was charged

you sound like my neighbour

 

 

they tried to claim that the id theft thing was never charged at the £14.99 rate going back 8yrs t think

 

 

he got the whole lot back.

some £150.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

thought you were already in the CPP forum

silly me

 

I've moved your thread to there

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?356-CPP-Group-Plc

 

lots to read

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

I have just had Experian contact me by phone.

 

This compliance chap was polite and courteous and took my complaint as serious.

 

What i will say is that my complaint has now been resolved to mutual satisfaction and settled.

 

Way to go Experian, no ifs, no buts, just plain good old fashioned customer service

 

A++++

Edited by obiter dictum

Share this post


Link to post
Share on other sites

Pleased to hear this has been resolved - I will amend your thread title.


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

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...