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    • HI   Ah that little lets downgrade it to a Stage 1 Complaint so it looks like wee dealt with it properly if the Regulator looks at our books/files.   It's a tactic Housing Association use even my own recently tried that and I refused to let them get away with it.   So you respond to the Customer Service Manager NOT BY PHONE unless you can record the call.   To Customer Service Manager   Following our telephone conversation on XX/XX/2021 reference my Formal  Complaint you informed me that my Complaint was being dealt with as a Stage 1 Complaint.   I find this unacceptable as this Complaint was made via T&C online Portal with Acknowledgement receipt from T%C of my Complaint in July 2021 and T&C have now only decided to deal with this after I recently had to Hand Deliver (16th Sept 2021) that Complaint to your Office which is  unacceptable.   Therefore T&C have had from July 2021 to resolve this Complaint as per your own Stage 1 Complaint procedure and I quote:   Stage 1: Your complaint will be allocated to a member of staff who will contact you within 2 working days to discuss your complaint and understand the problem. We aim to resolve complaints within 10 working days, but sometimes investigations can take longer. In this case we’ll let you know, keep you updated and agree a timescale for our response with you. As the above has not been carried out and was only acted upon as previously stated when I hand delivered  my Complaint again on 16th Sept 2021 to your Office this is not a Stage 1 Complaint as T&C have Failed to carryout the above Stage 1 Complaint Procedure since July 2021 therefore my Complaint should be Escalated to a Stage 2 Complaint as per your own Complaints Procedure. If T%C refuse to escalate this Complaint to Stage 2 I require full Clarification as to why.        
    • Hi guys, I have recently found this website and have been reading a lot regarding Hermes scandals. Thanks a lot to all the people running and supporting this forum. Doing lord's work. Here is my case, hope I can get some help. On 07/08/2021, I used Hermes service to ship my laptop however the laptop never reached its intended destination.  On 16/08/2021, I had a chat with their representative over the phone to get an update on the situation. I was told they will start a brief investigation to find my laptop. After a long wait, on 14/09/2021, it was confirmed that my laptop was indeed lost. On 25/09/2021, I filled in the compensation form.  On 27/09/2021, I received compensation of £20 + postage of £5.80. On 28/09/2021, I asked them to review their compensation and reimburse me in full. (Formal complaint) The laptop was purchased on 02/08/2021 priced at £1049. Do have a PayPal invoice for it. I did not use Hermes insurance as I didn't have any trouble with their deliveries in the past. The parcel was declared as a laptop. I have prepared a letter of claim to send them as soon as they reject my request to pay in full. Few questions, I couldn't find answers about: Do i need to send email to Hermes with letter of claim or post? Next steps: Wait for formal complaint's response..  Submit letter of claim, wait 2 weeks, then register and issue complain on money claim county court website? Hope i can get some feedback on my letter of claim.   Letter of claim1.pdf
    • See all resources available if you would like to become an apprentice in Coventry.View the full article
    • Funny you should mention it-I have today got a letter from the court telling me the judge's comments 'there is no record of an email of 23 July 2021 with the Help With Fees application' 'the Help With Fees code was not generated until either 21 April 2021 or 18 August 2021 and so cannot have been included in an email sent on 23 July 2021'.  'If you want to set aside the order of 2 Aug 2021(I assume that's the one that no-one vhas received,vacating the case) you must make an N244 application  and pay the fee of £255 or submit a Help With Fees application'.   They don't even know when the code was generated and have no idea whether this was before or after the email was sent to them...    
    • The US carmaker vows to "lead America's shift to electric vehicles" with largest ever factory.View the full article
  • Our picks

Mistie V Goldfish


mistie
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Hi all,

 

Thought it was about time i started my thread.

 

Got my staments, owed £881. offered £317.

 

Letter sent off 8 days to go now, going for contractual interest at 17.9% which is what they charged me.

 

Will keep you updated.

 

Mistie:p

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Go for it mistie. Keep us posted.

 

Steven

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Hi

I wonder if you can help

 

sent Goldfish a letter several weeks ago schedulling all my late charges of £976.00 together with interest of £204.65 and demanding a repayment of £1180.85.

Received a letter today refusing to pay any interest as Goldfish allocate payments to pay off charges before other balances and say therefore that I have not incurred any interest to be able to charge for it.

Secondly They are saying that the review by OFT of a fair charge of £12 allows them to refund the difference between what was charged and the £12.

Consequence is that they are offerring me £330.00.

Do I accept this and if not what arguement can I use??

 

Please help.

Regards

Smiley Mike

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i used this in my reply letter.

 

The £12 mentioned in your letter has been set by the office of fair trading as a figure that was deemed fair and may or my not refect any actual or real loss.

Should you wish to provide me with a detailed breakdown of your liquidation cost in relation to these charges and show that they are £12 i will consider your offer.

 

feel free to copy and paste.

charlieboy used it and won

 

mistie:p

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Mike

 

The OFT gave the £12 as a maximum with the note that usually it would be a lot less. Whatever GF have charged, whether £12 or 12p, if it is more than their actual costs caused by your late payment or whatever, it is unlawful. What they say about interest is also a load of baloney. They put cahrges on you account which increased your debt. They charged you interest on the total balance. Therefore they charegd interest on the charges. However they try to gloss it over, the logic is inesacpable.

 

Ignore their protestations and send them an LBA with a paragraph accepting their offer as a partial settlement only. Mistie's paragarph is good too.

 

If you want, post your draft letter here for comment before you send it.

 

Steven

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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  • 2 weeks later...

OK just to let you all know mistie won her full amount against goldfish, on her pre lim letter.

 

Her post updating her claim has been waiting for the mods to post it.

 

 

Goldfish was very easy to claim against, if anyone wants a copy of the paragraph mistie put in her letter please feel free to pm her or me and we will send it to you.

 

 

WON WON WON £881.

 

 

mods you have no need to edit this post.

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