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    • Update - Still no reply, have sent the same email to the disputes resolutions department at Lidl yesterday too   Can't seem to compress the file small enough to be able to post it, still trying, will of course keep you all posted.     Your support is really empowering, it was so tempting just to pay it, if it wasn't for the current finances I probably would have - Thank you!!
    • apologies will re try   caravan bought on finance Aug 8th 2019 Took for early service due to some minor issues 7th July 2020 engineers raised concerns with severe damp Informed seller and finance company 7th July 2020 - seller stated not happy to help as past warranty. Finance company stated they would need a professional opinion on the damp at a cost to myself 14th June paid for a private engineer to do an in depth report on caravan. Found major damp over 90% Same day sent that report to finance company via email. Finance company then sent SCOTIA on the 23/07/2020 to assess my complaint. They found same issues as my private engineer. They then instructed the seller leisure caravans to repair issues 6th August took caravan back to give chance to repair. It was repaired to a poor standard so I requested engineer from Scotia Reinspect 28th August SCOTIA re inspect find it to be not fit for purpose and recommend rejections 17th September caravan collected from storage yard 21st September email from finance company confriming agreement had ended and that i was not entitled to a refund  
    • Includes eligibility, appeals, tax credits and Universal Credit View the full article
    • Hello,   I have read the thread on the other board and, sorry to say, agree with the answers.  However, I only know HR, and not specialist commercial  law.   I would see it as a breach of our agreement and seek to make you stop/ repay any funds we had given in settlement. I have certainly done that before, and been successful. The general "we will not speak ill of each other" type of clause needs to go both ways. You would not be keen if they posted on message boards saying you were uncooperative/ awkward etc, even though in their eyes this would be true.   I think you really will need to pay for a specialist lawyer if you are determined to find a way to keep the money, and keep complaining.
    • Yes you will have a claim – but it will make it much easier if Marquis are on notice. You should write to them very urgently and tell them what has been found and that because of the fact that they have denied that any work needed to be done, you have now put it in hand elsewhere and you will be looking to them to reimburse you. It's essential that they are kept abreast of developments every step of the way – in so far as possible – in advance
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    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
      I’m literally at the end of my tether and don’t know where to turn next !
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

Self employed Mortgage protection /unemployment/sickness Policy

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Good Morning,


I put in a claim on lockdown was declined (unemployment)

I appealed to FOS who upheld my complaint this week 


For the first three months had payment holiday for mortgage, next three months  borrowed money to pay half the mortgage,


Ive recieved email for the insurance that they are reviewing.


Would it be unfair for me to ask for full 3 months payments and 3 half payments + compensation due to the fact they declined my claim. To make ends meet my wife continued to work even though she was high risk with me home caring for our child. Pretty much a worrying and stressful time.


Or wait for review and if not happy then approach FOS representative who has been dealing with this ?



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Your entitlement should be stated in your policy documents and that is what they should pay you.


If you are looking for compensatory amounts (outside of policy cover) due to previous declination, then you should make some calculations of what loss you have suffered as a consequence.  Then send a letter fully explaining why you are seeking compensatory payment in addition to what is due under policy terms. If you provide reasonable justification for the amount, then hopefully it should be considered.

We could do with some help from you.



 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

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