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dave

Please help - list of common failures

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United utilities making me pay an estimated bill I disagree with. You can't speak to a person with any common sense or authority on the phone.

The Landlord of my digs has the same problem with Scottish Power but claims that (according to S.P. when he changed his supply to them) if we regularly email them the meter readings, then S.P. won't need to keep overcharging him. I replied that (IMHO) I think they're bull$###ting because they use the interest earned from the cash surplus as a source of profit, and, nothing short of taking legal action would have any effect.


I'm not a qualified welfare rights adviser, but I'm planning on becoming one. I'm no substitute for more competent advice from trained CAB and welfare rights workers - [URL="http://www.consumeractiongroup.co.uk/forum/benefits-tax-credits-minimum/127741-benefits-advice.html"]see this post[/URL] by Joa, great advice and links! I've been running a Crisis Loan campaign and help since Jan 2007 . See my annotations c/o "theyworkforyou". I'm also currently interested by the recent DWP Medical Services reform and the effect this is having on valid claims, seriously - someone needs to be keeping a suicide count.

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Re: earlier post BANK OF SCOTLAND - took 2 branch visits, 3 phonecalls, a letter of complaint and filling out closure form twice before they closed my 2nd account - this took 15 weeks in total instead of the 21 days it should.


Bank of Scotland account 1 - £2,666 WON

Bank of Scotland account 2 - £2,500 on hold

GE Capital charges -£30 won (hey, every little helps!)

Barclays Partner Finance £425 charges - £225 offer accepted.

 

Finally debt free after 4.5 years, thanks to my Debt Management Plan through Payplan. There is no better feeling :D

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Bought new PC through the "IT through work" scheme.

 

After about 6 months it started overheating and shutting itself down so I rang the helpline. I was advised that this is an "environmental problem" and that I should open the casing and hoover out the fans.

 

I did this and everything was hunky dory for a few weeks until the graphics card failed. Engineer calls to replace it and tells me it isn't covered under the warranty and will cost me £160.

 

Why? Becase I had to remove the warranty seal to hoover the fans out, just like their advisor told me to:mad:

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BT wireless package received and installed following instructions. Over two months later, something fails (we think following weather conditions) and therefore we are unable to get any signal for almost a week. Call to BT to find out...

 

Indian bloke says 'unable to help because there is no wireless signal', therefore not BT's fault (:???:). Priceless

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Ordered a phone from 3. On using the phone for the first time I realised two of the buttons didn't work. I rang through to their call centre in Bombay to explain the fault. I was told in no uncertain terms that because I had used the phone it was not 3's policy to issue me with a refund/replacement for the phone - it had to be repaired. The fact that I could not possibly know the phone was faulty until I used it was of no consequence. It seems UK law was of no consequence either! Arrgggggh!

 

Had to waste my time writing to their head office in Glasgow to get the matter sorted. Got a refund but no apology. I was told that the call centre staff must have gotten confused.


-->> Supporting Dog Rescue <<--

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Legal and General continued continued to debit house insurance premiums for 15 months despite the policy being cancelled in writing when I sold my house.:mad:

 

 

OK I should have noticed sooner but we have life assurance policies with them. I assumed the debit was for one of the policies.

 

I had major difficulties getting the money back. I could have used Direct Debit Guarentee process which Halifax were quite happy with, but opted to use complaints process, in hope I can claim interest on each payment. There would have been 15 seperate reclaimed DDs but the bank would have done it- credit to them for that (hurts me to say it). There would then have followed an arbitration process if L&G had wanted to reclaim the money, meaning it would have been taken out of my account at any time. I did not want to do that as I would potentially have faced bank charges for going overdrawn had that happened.

 

Effectively L&G said they had no trace of the cancellation. They wanted proof of sale, proof of other insurance, efore they would consider repaying. They claimed that they would have entertained a claim from me despite me not owning any property and most of our property being in storeage. I have proof of the tenancy agreement, meaning landlord has responsibility for current property and proof of soreage insurance. There is fat chance they would ever have paid out if I had tried to make a claim as T&C make it clear they must have been notified of material changes to my circumstances.

 

They have now acknowledged their "mistake" and I now have a substantial cheque on the way- £1022. It has alerted me to the fact that I was paying far to much for the premium (arranged by GMAC) and that i should not accept policies sold as part of a mortgage deal. Others please note.

 

The cheque will pay for the next chapter in my route out of debt. I am wondering about interest etc.


Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

kennythecelt@consumeractiongroup.co.uk.

 

 

 

Thankyou Kennythecelt:)

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I was given a £10,000 loan by Advantage Loans.

 

The company tried to enforce repayments by using a non signed aplication form.

 

Want a loan? Go to them lol.


"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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Hello Dave,

 

one from the PPI forum.

 

RBS response to my SAR which was sent 7 Jan 2008 (the important bit):

 

"Finally with regard to the Direct Line personal loans that you previously held please contact Direct Line directly to obtain the information that you require.

 

Then I find out from the Direct Line website the following:

 

Legal: Transfer of Business (Transfer took place on 1 March 2006)

TRANSFER OF THE BANKING BUSINESS OF DIRECT LINE FINANCIAL SERVICES LIMITED TO THE ROYAL BANK OF SCOTLAND PLC.

etc. etc.

Then from the Financial Services Authority Register

 

Basic details for:

204458 - Direct Line Financial Service Limited

 

Current status: No longer Authorised

Effective Date: 04/07/2006

hope you can use this.

regards

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hi Dave Black Horse finance Ltd have tried to charge me £640.00 in late payment charges, September 2008, a full two and a half years after the OFT statement on unfair charges. 8 @ £30 and 16@ £25.

 

Regards bish.


Abbey : £8070.41*PAID IN FULL*14/02/07:D

Capital one : LBA sent 17/09/06 £1,087.22

Marbles : LBA sent 17/09/06 £720.00 ; £720 offer accepted:D

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heres an interesting one:-

 

Argos refusing to accept gift cards due to them being "out of date", despite there being no use by date written on the card or on any of the accompanying paperwork.

 

oh!, heres another one, dont know wether this counts..

 

The jobcentre has various signs up saying "ask about training course X" or "you could be entitled to this additional benefit, ask one of our advisors", you ask an advisor, and they dont know anything about it, so you ask to speak to someone who does, and they dont know who to speak to.

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I recently requested SAR from Crap One. They wrote back to me saying unfortunately they could not comply with my request as they did not have my address!! :eek:

Heard it all now!

Bincrunched

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BT kept me on the phone one occasion for 40 mins spoke to 10 different people who kept passing the buck. It has taken nearly 2 months, lots of time and calls to sort out the problem.

I have now had a refund but I Will be changing my supplier!

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Sky Tv... Cancelled my entire service in March 2007. Got a letter demanding £36 or debt collection agency will be involved. Phoned up and asked why? I cancelled a year and a half ago, their answer? I was still receiving sky news. I told them the sky box was now only a freeview box, with sky news being picked up by freeview. their answer, it's still one of our services. refused to pay, they knocked a tenner off. Told them to send another bill. Got the bill...£46!! Another phone call to a bemused sky person. I shall amend your bill, sir. Final bill...£16. LAst call to them, told them I'm not paying for something I haven't used, and why are these amounts changing so much. Their answer? Not our problem, the debt collection people will deal with it. In the end payed it to the debt people to wash my hands of sky.

 

6 times sky have called me since, asking to return to them!! Each time, I ask them to bear with me as I just heard breaking glass from the back room!! Leave em for 5-10 mins, pick the phone up and say sorry, can't speak now, my dog has exploded and put the phone down!!

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Sky Tv... Cancelled my entire service in March 2007. Got a letter demanding £36 or debt collection agency will be involved. Phoned up and asked why? I cancelled a year and a half ago, their answer? I was still receiving sky news.

 

 

thats funny because im doing the same as you.

i cancelled my sky subsctiption nearly 3 years ago and i can still get sky 3,sky news and sky sports news on my digibox.....which i can also get on the non sky freeview box i have upstairs in my bedroom.

 

take a look HERE (freeview TV channel listings), and youll see that all 3 of these channels are supplied as freeview.

 

however, if you look at the FREESAT channel listings, they arent included on the list....

 

oh dear, once again sky hve messed up and are now expecting their customers to pay for it..whoops!

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T-Mobile keep changing me to online paper billing without permission. Each time I ring them and ask them to change it back to receiving paper bills as my internet connection at the moment is only through work. They change it back for a while and then when I don't receive a bill the next month - I know they've gone and switched me over to E-Billing...AGAIN!

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4 month old sofas purchased from Homebase. The leather has started to come off on the seam - I am told this is wear and tear and common for this type of product......never mind the arm coming UNSTAPLED and has hole in the back where the corner has pirced a hole through the leather. Needless to say I am really angry and will take them to court if I have to!

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How about that - 8 months ago my baby's pram broke (frame ripped, wheel fell off). After lots of email exchange I was only offered fixed pram (although due to carrying a repair for over 8 weeks I had to buy a replacement pram for my baby anyway). They told me that during the repair they have misplaced my pram and cannot find it. They do not respond to emails or letter since. name of this company is Little Devils Direct from Glasgow.

 

Second nice one is Orange - they have a special sim offer for calls abroad (included in your allowance). I purchased it, called abroad, but was charged separately and a full rate. They explained that the offer doesn't work with the first top-up. Apparently it didn't as well with second. I contacted customer service, they requested it all in writing. I wrote to the provided email, got automatic response that it's a wrong email (still orange, but dealing with different issues). So called again customer service, again was asked to put it in writing, again received email back that Im contacting the wrong department (again address provided by customer service). I went 3 times in a circle like that and moved from Orange to 3. Never got money back because apparently I didn't raise the case in the correct way....

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This has happened to me several times now with different services over the years, when the contract is up whether it be 9 months, 12 months or 18 months it's the same outcome... here's some examples:

 

BT: 18 month Broadband and Phone line Contract, Started at £26, end of contract they increased to £39.98 without making aware

Orange Mobile Contract: 12 month contract, Started at £34, end of contract they increased to £44.99 without making aware

 

Lesson learned, don't take if for granted that because you sign up for a service at x price doesn't mean it will remain at the end of the contract, funny really because in each scenario i found out months later and then contacted their customer service to be told the costs had gone up... sent to their retention's department to then be offered a cheaper rate, instead i just leave them for the cheek of charging more than i signed up for without notifying me, result = they lose a customer.

 

Their loss not mine in the long run but surely this happens to allot of people who then do the same as me...?

 

Sophie.

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