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    • Really sorry this is a long story. I Ordered and paid for bathroom furniture on the 8th of December 2020. was told it would take a month which was why i needed to. Pay in full understandable. Month later come no bathroom stuff and no contact what so ever. Phoned them chased my order up myself. The sales manager said it would be here a week later but sink and vanity unit would be another month. February come no contact off them and no goods or delivery. Tried to phone them for yet another month with no luck what so ever. Finally got in contact with them after a number of emails. told me order was here and will be delivered next week. Delivery come on the 23rd of march with radiator and valves missing. Phoned up the manager again he said it should be there if not the driver must of not put it on the van so will get it delivered soon as. Yet again no contact until i went in the shop when it opened due to covid asking for it. When the manager had a look in the stock room he said that he can not find it so must not be here but then showed me another one that he said was bigger and more expensive but same colour obviously off someone else's order told me i could just take that. I replied that i just wanted the one that i ordered really. Went back in the showroom and checked the order on the system and said it should be here. I reminded him about a conversation where he said on the phone that it was here but the driver must not of put it on the van which he replied with that he couldnt remember that conversation or saying that then turned around to me and said that they have been issues with his boss or the owner who keeps buying property to do up and takes stock out of the warehouse for the property which at that stage i was very shocked. The manager then said he will order me a new one that would be delivered tomorrow and will phone me to let me know. Tomorrow come no phone call and no product. I was sent the wrong vanity unit that i ordered yet again manager made up a bull story that he told me when i ordered it that the supplier didnt have it in so ordered a 1 draw and not 2 draw even though the 2 draw one was on my receipt 🤔. I put a review on Facebook about the company They are blaming covid for the rubbish customer service and offered £50 and free toilet holder on the ground i take the review off the director phoned and saiid the review was unfair and and shocking then said that stock is stock its the companies until it gets delivered but yet i had paid in full for my order. What am i entitled to do here.
    • so all speculative invoices since that date should be refunded....ruddy fleecers!   dx  
    • Well if you have got crime reference number that's a good start. You should be recording your calls and you should not rely on calls which are apparently recorded by others – especially not the police who will always be very reluctant to disclose any information even under a statutory request. When you are on the phone to anybody you should make sure that if there is something you are not clear about you should ask them to repeat it so that you can make notes. Read our customer services guide. The police are correct – as I have already pointed out – the car belongs to you and so if it is sold to somebody else then it is stolen. If it is not given to you then it is stolen. You should always in all your dealings with anybody refer to the fact that your car has been stolen.
    • Incidentally, a brief word – for you, but also for anyone else who visits this thread. It's a word about insurance. By requiring you to take out insurance, they are effectively asking you to protect yourself against their own negligence, their own breach of contract or the criminality of their own employees if stuff get stolen. This is extraordinary and it is part of the culture of the removal business and I have no idea how this culture came about and it is now accepted so meekly as the natural way of things by people who use removal services. There is exactly the same culture in courier services so that companies such as DPD, DHL, UPS – and particularly Hermes require their customers to pay for additional protection in case the service that they have already contracted for and paid for is not carried out. Amazing! It doesn't stop there. Extended warranties. If you go into any Currys PC World, if you buy any computer or washing machine or fridge from them or anywhere else, some salesman will chase after you and ask you if you want to buy an extended warranty. So for extra money you can buy an insurance which will apparently cover you in case the item you have bought breaks down within a certain amount of time – normally three years or five years. Incredible! You already have perfectly good statutory rights which will cover you for most of those situations over the foreseeable reasonably expected life of the item you buy. What they are all doing – whether they are removals, couriers, sellers of white goods and electronic goods, is effectively getting you to pay for rights which you already have under statute or under ordinary contract law.  
    • Thanks. How much did you pay for the insurance? AnyVan is declining responsibility because they say that the items did not go missing "in transit". They are wrong. Clearly the removal company took charge of the items and disassembled them. This must be the case because you have received part of the item and it is only part of the item which is missing and that means that they were already under the control of the removal company. In my view that puts the items squarely "in transit". I am quite certain that no judge would simply say that "in transit" refers only to the time that your items are in a removal van. This is far too limited. And in fact I notice that in the summary of terms which you have linked us to:     Clearly insurance cover applies from the moment that the collection begins right until the delivery is finished. However, even if they accepted this point, there are still other ways that they can say that the insurance does not apply to you Looking at the policy which you have linked us to, I see that first of all there is in excess of £50 and that means you have to pay the first £50 of any claim. According to you, you have only lost about £35. Are you saying that the entire book case is worth £20? It seems very little to me. The second thing is that they say that lost items are not insured unless they are listed with their value. Presumably that hasn't happened in your case. On that basis, it seems to me that the insurance doesn't cover you anyway. I do agree that I think you've been treated disgracefully and I don't think that the lack of insurance is any bar to making a claim. If you would like a bit of fun, then we can help you make a small claim in the County Court to recover all of your losses directly from them for their breach of contract/negligence. Of course they won't be used to that kind of treatment – but do you really care? The chances of succeeding if you are prepared to go to the Small Claims Court are better than 90%, in my view. You would have to play a claim fee that you would recover that when you won your case. Of course in the event that you lost, then you would lose that claim fee and also a hearing fee if it got that far. Frankly, for this kind of money I would imagine that they would put their hands up once you issue the papers and they realise that you are serious and it was going to cost them much more money to defend it then simply to pay you out. In addition to getting your money back and delivering a slap, you would acquire transferable skills so that you could confidently in the future sue anyone who got in your way. What's not to like?
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
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Caro v Yorkshire Bank for PPI


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Sent this on 9th September using info from ybonline and a phone call to them:-

 

To whom it may concern.

 

Some years ago I had 2 loans with Yorkshire Bank, and it was a condition of the loans that I took out PPI, which I didn’t want or need.

 

For some reason I paid the first loan and associated PPI off early, and I distinctly remember sitting in Yorkshire Bank in xxxxxxx with a member of staff explaining to me how the rule of 78 worked and this being applied to the first PPI for an early redemption charge due to the banks loss of interest charged on the policy. I then had to take out a second policy to cover the new loan that I was taking out. I now know that not only should I not have had to take out the PPI, but the existing PPI should not have been cancelled as it could have covered the second loan, at least in part.

 

As a result of this extra expense there were times when my account went into overdraft, and extortionate charges were incurred, not to mention unpleasant pressure from your bank to pay these off faster than I could afford at the time.

I’m not sure if I lived at the above address at the time, so am providing my previous address for your information.

xx xxxxx xxxx

xxxxxxx

xxxxxxx

 

I would appreciate it if you would provide information regarding this PPI, and how much I am owed, including associated interest.

 

Please let me know if you require further information, but otherwise I hope to hear from you within the 40 day timescale for such requests as advertised on your website.

 

Yours faithfully

 

Caro

 

 

PPI information request

3rd Floor

Granite House

31 Stockwell Street

Glasgow

G1 4RZ

 

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The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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so link 1 below should be able to allow you to calculate your expected redress.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx. Once I get all the info from the PPI information request I shall certainly be checking it. For info of anyone else thinking of taking on Yorkshire/Clydesdale, the PPI information request is free.

 

 

Will be interesting to see what they produce because the only mention of PPI that came from a SAR a few years back was the payments for PPI on current account statements. If I don't think I've got all I need I'll do another full SAR. I think this started about 15 years ago and in the past I haven't found them the most forthcoming with information. I'm hoping the fine they had from the FCA has focussed their attention.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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Got a questionnaire they want completing and returning within 2 weeks. Among other things it says:-

 

In August last year we made improvements to our PPI complaint investigation process to ensure you, our customer, are treated fairly. Unfortunately these changes and the volume of complaints we have received may impact on our timescale in providing you with a final response. If we are unable to provide you with a final response within 56 days we will write to you with an update.

 

So much for the 40 days they advertise on their site. I wonder if the improvements have anything to do with the £20m + fine they got. :lol:

 

https://www.fca.org.uk/news/clydesdale-bank-fined-for-serious-failings-in-ppi-complaint-handling

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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Got a questionnaire they want completing and returning within 2 weeks. Among other things it says:-

 

In August last year we made improvements to our PPI complaint investigation process to ensure you, our customer, are treated fairly. Unfortunately these changes and the volume of complaints we have received may impact on our timescale in providing you with a final response. If we are unable to provide you with a final response within 56 days we will write to you with an update.

 

So much for the 40 days they advertise on their site. I wonder if the improvements have anything to do with the £20m + fine they got. :lol:

 

https://www.fca.org.uk/news/clydesdale-bank-fined-for-serious-failings-in-ppi-complaint-handling

 

So, they've improved their service, by now taking 56 days instead of 40?.

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  • 4 weeks later...

On the ppi questionnaire it asks about financial circumstances at the time of loan and about monthly outgoings including mortgage/rent, council tax/utilities,other credit commitments, number of dependents.

 

What relevance has any of that got?

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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Caro how are some folk supposed to remember that far back :)

 
 

Any advice I give is honest and in good faith.:)

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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If loan(s) and ppi were in my name only, do I need to answer questions about OH?

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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Caro how are some folk supposed to remember that far back :)

 

I have no idea! :razz:

 

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The Consumer Action Group is a free help site.

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Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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If loan(s) and ppi were in my name only, do I need to answer questions about OH?

 

I wouldn't think so, you could tell them any old baloney.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I also don't see the relevance of reasons for the loan, if it was to pay off other debts, if I missed payments on the loan the ppi covered.

 

THEY SAID I HAD TO HAVE IT TO GET THE LOAN SO IT WAS MISSOLD!!!'

 

What else is there to say?!

 

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The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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Home improvements was my 'blanket' answer :)

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I know I bought a car but I think there was another loan but can't remember what for. Might have been home improvements. ;)

 

I'm sure I sent them an information request but I seem to be the one providing it!

 

Now, what to put about when I first realised there was a problem with the ppi and why I'm now unhappy with it. I was unhappy with it from day 1.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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why are yuo not binning their form and using the FOS CQ?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I'll have a look at the fos one. I rather stupidly thought they'd be standard, especially given the hefty fine they had. Forgot YB/CB are a law unto themselves.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
  • 1 month later...

I didn't get round to filling a form in before they wrote and apologised for the delay in responding to me. Had another letter the other day:-

 

Dear Caro

 

Please accept our apologies for the delay in reviewing your ppi complaint. We will provide you with a final response by 29 February 2016. Any offer of compensation will include interest at a rate of 8% up to the date we issue our final response to you.

 

It goes on to say my right to go to fos is unaffected by the delay.

 

I'll see what they come up with by 29 Feb but that's the limit of my patience.

Edited by caro

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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Hope it's a good amount Caro, roll on the end of feb :)

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hope it's a good amount Caro, roll on the end of feb :)

 

Thanks. I tried to get the info a while back but without account numbers etc they couldn't find anything but they've had a hefty fine since so maybe they'll try harder this time. I won't hold my breath.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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  • 1 month later...

Happy new year to me!

 

Just had a letter offering me a little over £2k :-D

 

I'm not entirely happy with this as they haven't included charges

 

 

interest is at 8%

 

 

I'm pretty sure I was paying a higher amount.

 

 

Neither have they provided a detailed enough calculation,

 

 

but at least I know this is to come.

 

 

I've got 21 days to respond.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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I guess you could say you will accept this as partial settlement of the refund, Caro ? You could also ask for a more detailed calculation and why they haven't included the charges and 8% ?

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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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They have included 8% simple interest but I think I paid 10 or 11% and will question it and ask for more detail. I was also OD a lot at the time and the interest rate on that was high I think. The acceptance letter makes it clear if I accept it's F&F.

 

I'll have a think over the next few days a about whether to accept it or push for more detail and hold out for more. Who knows how long that would take.

 

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Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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so this is in relation to the 2 loans?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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They say I had 5, 3 of which had ppi but the other 2 paid off straight away so nothing paid on those. I wasn't with the bank more than about 3 years so seems odd.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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if ppi was rolled over without a rebate add a 0 to any figure they claim:lol:

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
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