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    • Amazing thanks, I am not sure what to type as this is the first time I have got to this stage with the FOS, but my letter below is a start and would appreciate any comments/amends to suit:   Complaint about MYJAR Limited - Trading as MYJAR Reference Number XXXXX   Thank you for your email of the 29th June 2020, the contents of which are noted.   I have to say I am somewhat surprised and disappointed by the outcome of this and I would like to explain why.   Firstly, I attach a spreadsheet showing the state of my credit file.  This show the Default date to/from the amount of the Default, including CCJs.  In total I had 10 Defaults and 3 active CCJs at the time of the first loan taken out with MyJar.   Two of the CCJs were paid off in July 2017, however, and still remain on my credit file until September 2020/March 2021 respectively.   This should have been a sufficient warning to MyJar that they should not have lent any monies to me whatsoever.  However, they went ahead and, as you can see continued to lend to me each time, when all of the Defaults and CCJs were still active on my credit file.   Also, with regards to the table below, you can clearly see that another loan was taken out straight after the existing one.  I understand that you cannot have more than one MyJar loan at any one time, but what I would do is use my salary to clear the loan and then borrow again from MyJar to cover the amount that I had paid off….. in a sense “robbing Peter to pay Paul”.   Loan Date Taken Date Repaid Instalments Amount Highest Repayment 1 05/11/2017 22/11/2017 6 £1,000.00 £284.63 2 05/12/2017 06/02/2018 12 £1,475.00 £266.20 3 16/03/2018 18/07/2018 12 £800.00 £117.87 4 23/07/2018 outstanding 12 £725.00 £110.82   I would also like to state that Loan 4 is still outstanding as the account has been placed on hold whilst the investigation took place with yourself.  They have, however, offered me a settlement figure of £600 and to clear this balance at a rate that is acceptable to myself.   Looking back at previous correspondence, I still feel that all interest and charges that I have paid should be refunded.  This totals £725.90 across all loans.  This would therefore settle Loan 4 of £600 and the remaining monies of £125.90 owed to myself.   I would therefore ask that my case is reviewed with the additional information stated above.
    • Hello to all.  Any help or advice is greatly received.                      I traded in my car almost a year ago and purchased a second hand kia optima 2013 with around 75000 on the clock, and 127 a month in HP payments. After 5 and a half months of normal use the engine seized, the reverse camera and sensors no longer worked and the passenger seat belt alarm continuously sounds at various times when no one is seated in it. I had also needed to renew pads and a brake calliper almost 4 months after purchase. I had not raised concerns to the brake components as they would be considered wear and tear.                     Being in the industry I dropped the oil and found it to be extremely thick and probably not circulating to the top of the engine, i.e. the oil had not been renewed in a very long time (there is no oil light on the dash or any indication of fault or maintenance due) I retained the oil filter, and opened a resolver case, with tall the faults listed.                 Upon contacting the dealer and informing him of what happened he indicated he wanted no responsibility towards rectifying the problem as close brothers were technically the owner. I approached close brothers (18th February)who started the ball rolling and approached dealer again who formally by letter refused liability.                              Close brothers then sent an engineer to inspect my listed problems, this was visual as the vehicle will not move, after three weeks the report was with my case handler.  I requested this report twice but have yet to see it.  Close brothers informed me that the report was inconclusive and they would need to move to a more through inspection.             At this stage the pandemic hit, at no point did I stop work and had to continue on charity and the diminished public transport to commute to work (140 miles a week)  no courtesy car or rental was provided.  I maintained contact with close brothers throughout, and was given the same update, they were waiting for the engineering firm to do an assessment but they were only doing key workers . Despite me telling them I was a key worker, nothing was done until the easing of the lockdown. I was informed that ACE vehicle inspection would contact me to collect the oil filter.                             Eventually this happened on the 18th of June and I phoned each week to chase. I was informed on the 30th that the report was showing on the portal and my case handler (simon) would look at it and call me back. I received no call and called on the 1st with the same responses. Today (2nd July) I got Simon who tells me that the report is showing on the portal but when he went to open it, it was not there and he would chase the engineering firm and get back to me in a couple of hours.                     I believe I am being taken for a mug now and am unsure weather I should escalate my revolver case to the regulator or any other advice, I'm therefore at this forums mercy any advice will be greatly received. 
    • Yeah I think you're probably right. I cancelled it anyway because the balance was due on the 10th July and I thought if I held out for an alternative and rejected it I might loose my deposit. Virgin are not answering calls from anyone not flying within 14 days by which time  the balance due date will be well past. I didn't want to pay the balance just to keep my deposit and get it all back in 4 months. Better to cancel the whole thing and get my deposit back now.   The holiday is in October so I think it will be fine to travel by then. I still plan to take a holiday on the same dates but I doubt I will get 10 days in the Caribbean (or anywhere long haul) for the same price so will probably go somewhere in Europe. It's just frustrating when I see basically the same holiday advertised on the same dates but for 50% more than the one they just cancelled.   I'm not too worried about Covid 19 and plan to travel as soon as the quarantine rules are lifted.
    • Welcome to the forum. I don't think you are breaching any forum rules at all and we are pleased that you have come to us and posted up your story. However, you have posted your story in a very solid block of text. It's extremely difficult for people to read and it tends to dampen down their enthusiasm when otherwise there would like to help you. Please would you mind posting your story in a well spaced and punctuated form and you will get lots of enthusiastic help. Thanks
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Madmonkey 1977

12 year old getting aggressively spoken to by Tesco security guard

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My son was waiting for me outside Tesco and was approached by a store security guard

he was told to get off the property

he explained he was waiting for me as of the social distancing rules

the security guard told him that he didn't care what he was doing there and if he didn't go he would make him leave and left him and went back in the store

 

as I was leaving the store the same security guard pushed past me heading towards my son aggressively

as he got to my son I explained that he was with me and was waiting for me

the security guard squared up to me, no care for social distancing and said that he didn't care he was waiting for me and that he has told him to get off his property

 

at this point I said that I wanted to speak to the stores manager

customer service called him and told me he was coming to talk to me

 

at that point the security guard ran to a door at the other side of the store and caught hold of the manager before I did and told the manager that my son is part of a gang that cause trouble outside the store

 

I explained that he is not one of them as I have witnessed said gang giving the staff of the store a hard time

the manager said that the security guard was not a direct employee of Tesco and gave me a company name

 

I have contacted the company and they denied that he was one of their security guard's

told me to get his name and number

 

I explained that he would not let me have these details saying that he does not have to tell me information about himself

the company told me that this is a breach of his license that he would not let me have his license number

 

I'm thinking of videoing him to get his number but don't know how to go about it as he was very aggressive towards me

is there anyone that could help

 

I have been to jail for different things in my youth and this is testing my thinking skills to the limit

please if you can help I truly need it 

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I'm terribly sorry but you have posted a large solid block of text and that is very difficult to read on a forum.

Please would you repost your story – but spaced and punctuated so that people can read it more easily. You will then find that you will get a very enthusiastic response.

Thanks


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I am no good with punctuation and not good with writing English so will find a friend that can put it better than me thank you for the advice

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post spaced for you.

 

he is on tesco property

it is the store manager who needs to supply you with his details.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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It's Tesco you need to complain to. They are responsible for the behaviour of the security guards in their stores. It's irrelevant that Tesco employ their security guards through a security company and aren't their direct employer. The security company is under contract to Tesco and the security guards work under the control and direction of Tesco so Tesco are responsible for what they do.

 

The local store manger should not have told you to contact the security company. He was just fobbing you off. Of course the store manager knows the identity of the security guard who is sitting at the security desk in the store. Is it likely that when a security guard turns up for work at the store for the first time Tesco just let him start work without knowing who he is or requiring proof of ID from him?

 

Make a complaint to Tesco Head Office  both about the behaviour of the security guard and about the store manager telling you it was nothing to do with him.

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Thank you I have complained to Tesco through there customer complaints phone line but I did not release that I should complain about the manager to thought he was trying to be help full by giving me the company's name release now that that was a proper fob me off 

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Just so your aware. His SIA licence should have been on display for everyone to see. This is a requirement of the SIA and by not doing such he is breaching the licensing guideline. Check the SIA website for these. The only details he has to give you is what is on his badge and he should have produced this when asked.

 

If you do decide to continue to try and get his name and badge number you are also entitled to report him to the SIA as well. Which not many people know. 

 

Hope this helps as I work in the security industry

  • Thanks 1

Please add to my reputation....

SUCCESS - Capital One PPI, Three Mobile charges, Orange Mobile charges, MBNA PPI

Wonga, Lowell, MMF 2 accounts, Provident x 3 Accounts, (ALL Unable to provide CCA)

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He had it on but put his hand over it so I could not get it have got a friend that has said that she will see if she can when she goes shopping later just really want him to realise that his manner in which he dealt with it was wrong 

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I would suspect their cctv has it all

 

might be fun to sar for it all?

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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A written complaint to Tesco head office is your best bet.

give them the dates and times and a description of the person so they can identify him. let tehm know what you want as a resolution to this.

shame I have just returned my voting form for their AGM or I could have made the chairman answer this complaint at the AGM, which would be minuted

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Been told that I have to get a solicitor or the police to get the CCTV

 

Tesco head office have said they will be reviewing the CCTV footage in their investigation

I know that I did nothing wrong on my part

they have admitted that the security guard was in the wrong for hiding his license number and that their manager should of got this for me

 

Thank you for your help that was my next step

written letter of complaint will be sending it recorded delivery and will keep a copy

 

thanks again for all the advice people have given me

 

if there is anything else anybody can suggest because I am not letting this go 

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Who said you need a lawyer or the police to get an SAR please? We tell people to send them all the time and it won't cost you anything.

 

HB


Illegitimi non carborundum

 

 

 

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Was told by Tesco they will not release the CCTV to me saying that they only release it to police or a solicitor they would not give it to me so they have lied to me again I will be stating this in my letter it seems that they have made many mistakes in this all I want is an apology not compensation getting annoyed more now with the way I'm being dealt with than the incident it self 

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Let's wait and see what the forum regulars think about what Tesco have said please, I'm sure they'll be along soon. :)

 

HB


Illegitimi non carborundum

 

 

 

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