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stifle

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Everything posted by stifle

  1. stifle
    I used to work for Lloyds. There was an informal policy that people paid more than a certain amount of compensation and with over a certain amount of complaints in 6 months would be sent a letter saying something like "we've come to the conclusion that our service and capability isn't able to meet the high expectations you have of us" and giving 2 months' notice that all accounts will be closed. Remembering that a Financial Ombudsman Service case costs the bank £550, it's not 100% unreasonable for banks to switch away from customers whose patterns of behaviour make them a net negative, no different to the way that customers can switch away from banks if they find the bank's prices and service unacceptable.
  2. stifle
    Then they should say it is due to high risk/insurance, not health & safety.
  3. stifle
    This is good-intentioned but ultimately pointless. After an ASA ruling that upfront tenancy fees need to be disclosed in advertising, the agencies did so. Banning the fees won't make them go "oh dear, looks like our licence to print money has expired"; they'll just charge the landlord instead who will incorporate the fees in the rent.
  4. stifle
    I don't believe GPs in the UK receive extra money to promote certain products. That may be an American thing.
  5. stifle
    Presumably they still have to post in their driving licences for endorsement?
  6. stifle
    Precisely. They brought this 10 minute thing in in Dublin (where the default answer to overstaying your parking ticket is a clamp) and that's what happened. The council's parking website is now plastered with "there is no grace period on the grace period" and variants on same.
  7. stifle
    I'd rather they were subject to the same rules on drip-pricing as everyone else. Bought a ticket on viagogo last month and it was listed at £125; had become £157.50 by the time I went to pay.
  8. stifle
    When you're below even Ryanair you must be doing things badly wrongly. Although I understand Aer Lingus's failure is limited to not giving out handouts explaining people's rights when they get a two-hour delay etc.
  9. stifle
    I expect this just pushes most of the activity offshore. I know things are seriously wrong because my wife will no longer answer the phone. Mobile or landline. She is that sick of cold callers.
  10. stifle
    Or you could get 3 packs of generic ibuprofen from Poundland for a quid. Unfortunately that's branding and advertising for you. Same reason thetrainline is still in business despite also charging more for the same product.
  11. stifle
    In the event, I forgot about this for a couple of weeks due to being away and subsequently ill, and today Halifax rang me to offer £20 distress and inconvenience payment and say they will send a final response in the post. It appears that my complaint had been marked as closed on the date I raised it, by the original customer service person. I wonder is this a habit they have in order to avoid complaints becoming reportable as I understand the FCA doesn't count complaints that are closed by the end of the working day after they're raised?
  12. stifle
    You can probably get the payment refunded by your bank under the payment services regulations, but you'll still owe the money to the PDL company. You can make a complaint to the PDL company in the usual way and take it to the FOS if unhappy with its response.
  13. stifle
    Seems unlikely, as the OP refers to "previous days' tickets".
  14. stifle
    I am afraid there is little hope of an appeal being successful. The DLR operates on an honour system and if people were simply allowed to pay their fare only when asked, it could not hope to be commercially viable. As mentioned above, as an adult you will need to take responsibility for your actions and pay the £40, as it will go up to £80 if you don't pay within 21 days.
  15. stifle
    The passenger must sign the penalty fare notice.
  16. stifle

    tsb - apex

    stifle replied to hajzel's topic in Lloyds Bank

    No point, it just gets forwarded to the customer service centre. I used to work for LBG and I know their procedure.
  17. stifle
    Kaykay, You have come looking for advice on a matter. You have received free advice from a range of people. The advice did not support your point of view. We are not going to turn around and say "you know, actually you're right and the charge should be dismissed". We can't. It would be irresponsible and wrong. Attacking the people who give freely of their time and energy, casting aspersions and suggesting that we would not have been quite so free of our time had you mentioned the defendant's race in the beginning... that is at best ungracious and at worst a good way of alienating people. Please, take a moment to reread your posts and see why many of us are offended. If you can't, please ask a neutral friend's opinion. Then, if you find there is a question you have which we have not given an answer to, please state or restate it and I will try to help you. But bickering about whether X person was rude in Y post or didn't answer question P in post Q is at best going to get the thread ignored or closed by the mods.
  18. stifle
    Sorry, I'm not familiar with the rules here as to how long must pass before a thread is considered "concluded"; most of the other forums I post to have it in their rules or automatically close threads after several months. I wouldn't have thought a thread from last month is that old.
  19. stifle
    Yes we have, it's a load of rubbish, and it doesn't work. I suggest you spend your time more fruitfully
  20. stifle
    No need.
  21. stifle
    As far as I can see, you have a valid contract which the hotel cannot unilaterally cancel. As Conniff correctly indicates, you will need to establish and prove an actual loss to get compensation for the breach. You do not need to wait until you stay — this would appear to me to be an anticipatory breach of contract.
  22. stifle
    Ruinair's advertised headline prices do include all mandatory fees such as the online check-in fee (if charged) and the EU compensation levy.
  23. stifle
    Many discounted flight bookings must be paid for ("ticketed" in industry jargon) within a short time in order to guarantee the price. This can be as short as by 7pm the same day. Therefore it is reasonable for your fare to be requoted in this scenario. If the new fare isn't acceptable to you, then you are entitled to a refund of the payment you made, as there has been a failure of consideration. Your post raises a big red flag for me however in that the agent wants you to pay by bank transfer. Bank transfer payments give you no come-back in the event the agent fails to ticket your reservation or transmit the money to the airline, and an agent who asks for payment this way is one I would be very reluctant to do business with. Credit or debit card would be a far more appropriate payment method. For the record, paying someone by bank transfer does not give them your bank details.
  24. stifle
    I lodged a complaint over the phone with Halifax in early May and obtained a reference number. Halifax failed to issue any correspondence or response to the complaint and after more than eight weeks I referred the complaint to the FOS. I received back a letter saying I must first take up the matter with Halifax and my complaint had been referred back to Halifax for handling. I phoned the case handler and he said that because I had not included the final response or any other evidence of making the complaint, he wasn't going to take the complaint forward. This despite me saying that I hadn't received the response within the eight-week period, nor anything else at all. Halifax is proceeding to re-ignore my complaint (assuming it was ever sent back to them in the first place). Any ideas on what to do next?
  25. stifle
    North American airlines tend to allow passengers to cancel a reservation but keep the ticket (i.e. the money paid) less a fee for use within one year. If you had booked directly with United, this is what it would offer. However, many travel agencies are unwilling or unable to offer this solution, or may be offering special discounted fares which do not have the same privileges.

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