Would you believe it, my friend received a letter from UK Border Agency. "Unfortunately a refund would not be appropriate when you choose to make a premium application you pay for consideration of the application and there is no guarantee a final decision will be made on the day" There is a guidance information on the UKBA website that apparently makes it clear, thanks anyway...

Hello Folks, I would like guidance and how I can help a work colleague, who is out of pocket by £750. My colleague applied for same day service “POE” premium service, for a Visa extension, but due to the unavailability of the UK BA IT system, they were unable to progress the application on the same day and actually took about 4 weeks to process. This is a similar time-frame as if he and his wife applied for the normal postal application service. The fee is £1000 for UK BA postal service The premier service is £1500 The difference between the premier service and the postal one is £750 for both of them. Understandably, my colleague called the UK BA customer service about this, who advised my colleague that because his application was not processed the same day (“POE” premium service) that he can claim the difference back and that this could be done via post. My colleague has sent a letter explaining the above and asking for the appropriate refund, as instructed by the UK BA customer service, however, nobody has responded to this after approximately 3 weeks (not even a courtesy note advising it is being investigated). My colleague has researched this and has spoken to others in a same predicament AND circumstances, who are also awaiting responses. Please could anyone advise on how my colleague can pursue his refund and where does he stand on this as it seems a clear failure to provide the services paid for. Regards,

Great stuff, funny how good news is infectious and has put a smile on my face this morning.

Update from Barclays Bank, who claim they can not locate my policy (dates back to 1997), but I attached from a SAR the Bank Statement from 1997 indicating bank account, date, policy number and PPI. So I have since sent this to the FOS. I have also sent a mppi Intelligent Finance to fos which is awaiting a reject or upheld verdict to date I had 4 x success to date. Fingers x.

Excellent, Thanks for your reply which I will use as a template. I will update this thread as my wife has confirmed their is a letter from the company at home, which I will open when I return from working away tomorrow.

A few day before Christmas I purchased a pair of fashionable fire-trap boots. I of course tried the pair boots in the shop, right boot only, was very impressed and delighted with the style, so hence bought them. I decide to try the boots on, and when I tried the left boot, to my horror and pain the left boot contained a 1/4 inch nail in the heal of the boot. I suffered penetration, bruising and soreness which lasted for a few days if and when I walked around the house is my slippers or bare feet. Due to no idea on where the nail has been, I decide to seek treatment from my local doctors surgery the next morning who gave me a tetanus injection and told that it would be fine in a few days. The nail is not an alien object it seems it was part of fixing the heal to the boot. I then telephoned the Store and spoke to the Manager, who told me to call into the store the next day to fill in some forms. When I arrived at the store who for now WILL remain ominousness, the store manager took over several minutes to attend to me, when he finally did was amused and confused but did not ask how I was and I am alright. Then offered to replace the boots, Yep replace, no explaination, no form filling nothing, so I promptly asked for his Head Office Customers Services details. I have since telephoned the company who have stated that a letter regarding my complaint has been sent. I have receipt, photographs of my injury and the boots which I sent them a copy and stated, I can send the originals on request. I would like to know where I stand (Trading Standards and Health & Safety) on this matter as I am extremely disappointed on how I have been dealt with and seek a satisfactory conclusion to my complaint and the fact I have a defected goods.

Sorry I forgot to confirm that I have received 2/5 PPI complaints from Barclays Bank and they have debited to my account last week. I have still a few more pending and still aggressively keeping a handle on my PPI complaints. I will also be contributing to this site, preferable by cheque. Thanks CAG

Hello Folks, I just received a reply from MBNA regarding my PPI possible payments and requestd a SAR which I have now recieved. They ddint actully comment on my PPI payments, But I came accross this when digesting the correspondence. I would like to know what does this constitute "Unable to provide a copy of your credit agreement" . Also the fact they didnt mention if I have or not paid any ppi on my credit card account. I have since sent another letter to confirm ppi specifically. Nevertheless can someone give me the heads up. Thanks.

Somewhere on CAG Online PPI is mentioned and some tips on what you can do, I did come across this Url below http://www.lawontheweb.co.uk/Missold_PPI_Claims/What_is_PPI_Misselling Nevertheless I assume someone with answer your concerns pretty much soon. If I come across the thread about applying online for a loan and ticking (pre-ticked possible) the PPI box, I will add it here.

I enjoy when all I have to do now is watch the clock go tick tock and keep an eye on the door mat. I have 4 x Barclays complaints that have been upheld'ed and will be expecting the "Letter of Acceptance" shortly before Nov 7th 2011, so keep it up it is worth it in the end. Sent another complaint to MBNA and BarclayCard complaint in motion and is still being investigated but have enough info (fos got complaint too) to be concluded by 3/11/2011. I am ofc looking forward to Xmas for once.

Hi, FYI I had a an old Alliance & Leicester Credit Card and the Santander took over the Company and I had very little to go with. Santander settled within the week. Fortunately for me Santander are my main Bank where my salary gets paid into so when I returned the Letter of Acceptance, the monies was in my account the next day. Thats how Banks should perform like - comprehend Barclays.

I have a claim with Barclaycard and its goes back to 1997/8. They are continuing there investigations, but need to locate my policy but I did have a DPA copy of a statement to work alongside. It does not matter how long but they did state that 10 Year rule is possible, as a defence, but anyway I am still waiting on Barclaycard next response . FOS where sent s copy of the correspondence.

Thanks for your help. I will wait a week and follow the Barclaycard up verbally and state that I am basing the timeline from 23rd of August as they have same team using the same telephone number. It is not rocket science and if an issue I don't really mind FOS taking over as I have 4 other Barclays PPI complaints, which have been uphelded and I am waiting for their letter of explanation of redress with interest added ofc.. So on letter box alert as I am half way through week 7. hehe

Just to recap, Yes I did send via recorded post on August 23rd 2011 and I did get an initial letter stating they will not upheld my PPI complaint (within 2 weeks) as they couldn't locate my policy, but I had a Dec/Nov 1997/8 Bank Statement via DPA with date, amount and ppi premium paid, It can't be hard work out with the reference number along side it as well. I made up the amount £2.5k as I can not recall what the loan was for or total amount or duration of the loan. I cc'd FOS and stated that if they have any more issues I will ask FOS to work it out. to date no reply and last communications was Monday 26th of September. Cheers

Excellent, from reading your thread it hadn't occurred to me to check my current 3 Credit Cards I am paying to the day I met my maker. So it begins round 1, Credit Cards, Loans have are already in motion. look forward to your updates..