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    • Difficult to say however you can most certainly attempt a chargeback with Nationwide.  Call 01793657689 and it should put you through to phone banking. They may reject the chargeback which is completely in their rights to do so.  You've spent the money on this so its not exactly unauthorised but at the same time - Paypal and Nationwide should have failsafes in place to stop this.    IF you are finding it difficult - Can I suggest Monzo as an alternative if things go south with Nationwide? I am with them full time - I dont gamble but i think it could be beneficial in your case - It will also give you a backup account if you need it   https://monzo.com/blog/2018/06/19/gambling-block-self-exclusion/
    • Turbo failure on a tdi with 100k miles. Starts sounding more like "common". I've had VW all my life and if looked after they'll go forever, but then maybe i've been lucky. Don't know if you can claim a new turbo from dealer, surely that would make him a loss on a 10 yo car which in market terms is an old banger.
    • No they do not have my card details. I paid by American Express   There are no pre hire photos
    • The mortgage (what there was of it) was  paid off a few years ago ( by massively overpaying each month and going without holidays, evenings out, fun etc) and the house is in my name.   I shall look into universal credit but was always told, by him, that as I was a 'director' of the company and being 'paid' ... ie the money for the household  bills ... I would not be able to claim unemployment.   I have however applied for reduced council tax ... I did this a week or so after he left and all I have heard so far was a request for his forwarding address, which I have supplied. Since I applied I have paid one months full council tax ... Do they backdate your claim and take any overpayments (in my case almost £50 per month) off an amended bill?   Thank you for replying, I feel incredibly isolated and alone at the moment.
    • Unless their policy is just to run the clock out and not ask for an extension again. I'd not be surprised, if a new PM completely ignored parliament and the 48 per cent who voted remain, just to hold their party together
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • 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....
      • 14 replies
    • 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/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
Ladylovessalsa

PCN received from Europark after spending all day in retail park

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Hi site team and caggers, long time now speak..

you'll be pleased to know I've been mostly keeping myself out of trouble.

 

I've received a PCN from Euro Park for £90 after spending the day shopping with my mum.

There were no noticeable signs saying that you can only stay for a limited amount of time so we shopped for several hours and then ate there in the evening.

We spent £4500 in that retail park that day.

 

They do have photographic evidence saw my registration on the letter.

I ignored the first letter but they have sent a final warning letter now.

What should I do?

Edited by dx100uk
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It always seems counter productive to me that stores go along with restricting motorists to a certain time in their car parks especially when they are already struggling against their competitors on the internet.

 

 

First thing is not to pay the ticket. Then get on the phone to the Head offices of each company where you spent the lion's share of your purchases and complain. Ask them why you should shop there and be harassed by the crooks that run the car parks when you could stay at home and get everything on line.

 

 

 

Aancel nd threaten them that you will not only complain about your treatment on Facebook, twitter etc but you will cacel your credit card payment, return the goods and get what you want elsewhere.

Edited by honeybee13
Paras

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They dont go along with it really. They have little choice as its the landowner, or rather the PPC barking orders.

 

Take Cheshire Oaks for example. Theres a restriction on time there, but its very easy to exceed it given the size of the place, and the lack of car parking spaces, so you cant drive off to another spot.


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

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the stores dont get to have a say in this at all, it is the retail park developer that invites these bandits to run amok.

 

Now get all your receipts together and put them in time order.

Find out who the developer is and see if they have an office at that retail park.

get on to them and tell them that you are going to return all of the goods purchased as a point of principle and make it clear via social media why this is.

 

email copy of receipts to their office and tell them that you expect them to either meet them their with a camera crew in tow or tell the parking bandits to cancel.

 

Write to all of the store you purchased stuff from and tell them that you are doing this as well unless they all tell the developers to stop allowing the parking bandits from ripping off their customers in this way.

 

Point out that every store visit is a separate event so there wasnt an actual overstay but merely a number of unlogged separate visits as the Anpr isnt fit for purpose.

Edited by dx100uk
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Hi Caggers... also long time no speak... I wondered if I could join in and have a moan about parking tickets...

 

In my case, I'm guilty, though... this happened just 10 minutes ago... I stopped my car on a taxi rank to post a letter...was less than a minute and see he's already taking a pic of my car... I sat in the car whist he finished writing it out, apologising all the while, then he chucked the ticket through my open window and said 'See you in court'

I just feel so annoyed at the rudeness... he entered the worng make of car, too!

 

Sorry to gatecrash... I can't find the right place to start a thread.

 

Kind regards, Dookist.

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Start a new thread of your own please

And complete the private parking sticky too

If this was private or council??


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