Just a quick question, but why on other forums, when regulars are proven incorrect (and arguably costly to motorists), one is either barred from posting or accused of being a Parking Operator....Some of the advice on MSE and others is appalling.....and am I right in thinking that the moderators on some forums are indeed directors of appeals companies?

Basically I had a hsbc business account which I shut due to the fact I slowed trading for for a while. Started to use my personal account for a bit and then a lot of business subsequently got asked to leave for breaking t&c. Left me without an account, 7 defaults and 3 arrangements on my credit history in the last 6 years. Ive put in an application with Coop for a cash minder, they seem to of lost my application in branch which is a pain. Had a look at the bank groups and basically hsbc aside I had history with all except Santander, figured I had nothing to lose by putting in an application for a business account. Went basic no overdrafts, loans etc. Had an email off them yesterday with a questionnaire which I completed honestly, emailed it back then today received this. "Thank you for choosing Santander Business Banking. We’re pleased to let you know that your Business Current Account is now open and ready for you to use. What’s next? In the next 7 – 10 days we’ll send your card, card PIN, Online Banking passcode and registration number separately (for security purposes) to the home address you gave us." Is that it?, I've been accepted?, can I have a beer to celebrate? or is there something that can go wrong from here?. Other than my credit history I have no other skeletons in my closet or anything. I know all banks are as bad as the other but I did not expect to get a highstreet account in a million years with my account history. I was thinking best case I get a cash minder and a pre pay. I had a large loan and Credit card with Abbey national which were paid in about 2007 but did reclaim a lot of ppi.

I came across this petition whilst on FB this morning and feel it should be shared. https://www.change.org/p/the-rt-hon-michael-fallon-mp-ministry-of-defence-to-make-carillion-amey-accountable-for-the-substandard-housing-they-provide-for-service-personnel-and-their-families?recruiter=350457576&utm_source=share_petition&utm_medium=facebook&utm_campaign=autopublish&utm_term=mob-xs-share_petition-reason_msg&fb_ref=Default If it turns out that Carillion Amey are not fulfilling the terms of the contract, out they should go.

Hi all, We bought a Homebase Kitchen in 2011, which comes with a ten year warranty. We had it fitted professionally while having other building work done, and it quickly began to deteriorate. The kitchen was a shaker style with (what appears to be) doors wrapped in vinyl and a plate rack with painted components. The paint on the plate rack was the first to cause problems - flaking off in large chunks until the whole wooden section was exposed. We also noticed on a few of the doors had started to split across the top edging causing the vinyl to crack, and on an open-fronted unit the paint had started to chip off in large quantities. After much toing and froing (including escalating the complaint to Homebase's director department), we had an assessor visit to check our complaint and they agreed to replace the faulty components (this was then a two year old kitchen). Several items were out of stock and it took approximately two months for the units to be delivered. However, we eventually got the parts and had them replaced, and closed the complaint (with a minor compensation from Homebase). 18 months later, we're now seeing some of the same components fail - particularly the plate rack. I realise I can start a new complaint, have the same component replaced again as I am within my ten year warranty, but at what point can I say this kitchen (or at least several components of it), are not fit for purpose and take the complaint higher? I shouldn't have to replace parts on a bi-annual basis, and I am well aware that as soon as my ten year warranty is over, Homebase are entitled to wash their hands of my problem leaving me with a tatty kitchen I'll have to replace immediately. Thanks for any advice

This is the very condensed version of the unbelievable and very poor customer service review that I have been subjected to by Synter BMW Birmingham. I started to type this up in detail but just the way that they secured the deal took me a page to write. The vehicle in question was a 2012 BMW E92 M3 in Santorini blue with competition pack FG12NUX a BMW approved used car. Thus is the attention to detail of Synter Birmingham most of the internal paperwork I have for this vehicle has slight variations on the registration. Friday 24th April - Test drove car, couldn't agree on a deal. Saturday 25th April - Dealer rung me and made an offer (which was what i had offered them the day before) and the car could be ready Tuesday. By the time I rung back to agree to deal but they had closed for the day. Left a message expecting to continue with the transaction Monday. Sunday 26th April - 8.30 am got a call from Salesman 2 as Salesman 1 was on his day off. Salesman 2 wanted me to pay a deposit over the phone for the car. I was a bit miffed that they had called at that time on a Sunday for business but assumed they wanted the car sold ASAP, so i went along. I asked for Salesman 1 to call me Monday morning to arrange collection. Monday 27th April - 8.30 am got a phone call from Salesman 1 stating that I could collect the car Tuesday, I explained that I was busy Tuesday and would like to collect car last thing Monday. Phone went quiet and Salesman 1 said I'm not sure where the V5 is....leave it with me. I had to ring back a couple of hours later and he said that they had made some phone calls and they still didn't know where the V5 was. I assumed that it was on somebody's desk within BMW. Got a call from Salesman 1 a couple of hours later to explain that they hadn't received the V5 from the previous owner and that I had to wait until they received it because they were at the mercy of the seller. I ended the call to process what I had been told. They were not at the mercy of the seller, I was the victim of their poor practices (more of those later). An hour or so later I received a call from Salesman 1 to state that they had spoken to the seller but he was abroad and his wife would post it first class in the morning to the dealer. I explained that they should stress to the wife that the V5 should be sent next day special delivery but this was dismissed by Salesman 1. Being annoyed that the Salesman or dealership were doing nothing to support me or come to a quick transaction. I gave Salesman 1 an ultimatum of I'm coming at 11 am on Wednesday to collect the car if the car is not ready or the paperwork is not in order I will expect a full refund of my deposit, Salesman 1 was shocked by this. I now expected the dealership to ensure the V5 was sent by Special delivery, have a courier collect it or have the nearest Synter collect and transfer it internally. Tuesday 28th April - No contact Wednesday 29th April - 9.30 am call from Salesman 1 we don't have the V5 yet but you can take the car and we will forward the V5 when we get it. I asked how the V5 was sent to them. His reply first class I think. I explained that I was just getting on a train and I would see him at 11 am. I arrived at the dealership at 11 am to find a smiling Salesman 1, the V5 arrived in the post at 1040 am. I went through the handover and had to ask for a lot of paperwork that I would of expected to come with an approved used BMW. Salesman 1 went away and come back with some of the paperwork which had been photocopied and some I could not have i.e. any information about the BMW warranty, not even a leaflet. I was told that it would come through the post (still waiting). I took delivery of the car and what an amazing car it is. Saturday 2nd May - I had covered 250 miles in the car and decided to give it a wash. Started to pressure wash it and a playing card size piece of lacquer fell off the top of the bumper, my heart sank. I phoned the dealership straight away but salesman 1 wasn't in and generic salesman would call me back that day. I inspected the car and was sure that the paint failure must have been due to a smart repair but couldn't see any signs of one. I continued to wash off car and another piece of lacquer about the same size as the first came off the bottom of the bumper. I was now absolutely gutted that I had been sold a non pristine car that would no longer be in original paint (if it was anyway) and stopped washing the car. No call back from dealer. Sunday 3rd May - Called dealer no salesmen available, generic salesman would call me back as Salesman 1 wasn't in. No call back. Monday 4th May - No contact. Tuesday 5th May - 9.00 am called dealership and spoke to Salesman 1 explained that the paint was falling off the car and I was sure that it had been touched up. Salesman called me back sometime later and said that they hadn't painted the car and I needed to take it to them to have a look. After my previous experience of buying the car I had no trust in them and knew they were only interested in the profit margin and would have no issues with fobbing me off. I explained that I wasn't driving there for them to have a look and send me away whilst they had a think, they needed to get some options to solving the problem in place before I took time off work and drive to them. Salesman 1 replied, I don't have the authority to do that. My reply get somebody who does, call ended. Pre-empting having to take the car to the dealer for them to inspect the paint, I decided to wash the car off again with the pressure washer, now a chunk of lacquer falls off the drivers wing mirror. I look at the wing mirror closely and could see bubbles where the lacquer hadn't stuck to the colour coat. I took the car to my trusted classic car body shop to get their opinion on the bumper. They stated that they thought it had been touched up and the only way it fix it would be to remove the bumper and start again. Salesman manager calls and asks what i would like doing with the car? My reply, I want the bumper taking off along with the wing mirror and painting to BMW repair standards. Manager replies oh ok, I will sort it out. One of my friends is friends with the owner of a body shop who works for another BMW dealer, so he arranged for me to take it to his shop. Body shop owner said, that he had seen the paint delaminate like this before on BMW's but usually red cars but not to worry as BMW will always repair paint defects under warranty but I will have to go through the dealer. Salesman 1 then phones me to say that they have got the car booked in to the body shop first thing in the morning and a courtesy car is waiting. Explained that I wanted to work completing as a BMW warranty claim to which he replied, we are doing it in house but it will be all BMW paint and to BMW standards along with the paperwork, it's just that we are paying for it instead of BMW. It will take a couple of days. I reluctantly agreed to this and ended the call. Wednesday 6th May - I Drop the car off at the dealer first thing to be told that my car would be ready later that day. I questioned that all of the work we agreed, would be completed in one day? reply, yes the body shop are waiting for it now. I Thought this strange but possible if the body shop pushed on with it. I asked him as a goodwill gesture if he could have the wing mirrors programmed to fold when the car was locked. Went home in the courtesy car and at 3 pm got a call from Salesman 1 stating the car was ready for collection. I told him I was on my way. Forgetting to ask about the wing mirrors I phoned him back on my way. His reply was, I've spoken to the chief tech and it can't be done that's why you have a switch in the door. I explained that you can buy a phone app to program it, so I know BMW can do it. His reply, no we are not doing it. Leaving that subject I asked if all of the paperwork was completed for the paintwork, his reply was there is no paperwork as we have done this out of goodwill. Now my blood was starting to boil as they had gone back on what they had promised. I asked how the car was looking and his reply, it's all good and looking beautiful. I ended the call. I arrived at the dealership and saw the car on the forecourt I walked over and saw a couple of squashed flies on the edges of the bumper so knew that it hadn't been fully painted or even off. I looked closer at the areas where the lacquer fell off and that was now covered in orange peel, I worked out slightly and found the masking lines. It was an utterly terrible touch up job that looked like it had been done outside (dust in the lacquer). I went into the dealership and asked for Sales manager, told him that I wasn't happy with the work and he had a look. He agreed that it was diabolical but stated that he had paid for it to be done properly and needed to talk to the body shop. Sales manager came back and I asked who had accepted the car back in that sate? His reply, nobody. I asked, who checked the car before calling me? Reply, nobody. I told him that the whole service and experience was diabolical and I wanted to reject the car. He then offered to send the car to another body shop and have the work fully completed to BMW standards and supply me with the correct paperwork. My reply, you promised me the exact same thing yesterday and look where we are today..... you expect me to trust you again for the same thing? This went around 4 times before I insisted on a refund. He then stated that he would have to get the General manager. General manager came out and stated that nobody had checked the car before phoning me and that the work should of been completed under BMW warranty but couldn't now as they had painted it. She offered, the car repaired and £250 back. I asked for a refund and she offered, the car repaired and £350 back. I refused again and she offered, the car repaired and a free service. I told her that I wasn't interested in another deal, I came to BMW for the whole experience and worry free motoring which has totally been ruined. She offered a few more inconsequential things but I had decided that it was time to cut my losses of what had become a stressful and utterly negative owners experience with a dealer I couldn't trust. I informed her that they could learn a lot from Renault Birmingham about customer service. The deal they offered for the refund was the full amount minus £500 when I gave them proof that I had retained my private registration online and the £500 once they had the V5 back in the original registration. I stated that I didn't think I would be able to retain the private registration online and would have to send all of the paperwork to DVLA. This was dismissed and I left the dealership. 48 hours after leaving the dealership I still have received no refund. Thursday 7th May - I called the dealership 4 times to try and confirm that the refund had been processed as I received no contact from them. The Sales manager was too busy to receive or return my calls. As last resort I asked for General manager to call me Friday morning. I contacted BMW UK customer service and explained that I thought they should know that I had rejected the car purely on customer service, the operator sounded shocked and said thanks for the call. I asked if somebody would call me back? To which the operator replied, No we will deal with this internally and quickly ended that call. I thought this very strange as they didn't know any of the details of the service or lack of I had been provided. Friday 8th May - The call from the general Manager never happened. At lunchtime I managed to speak Sales manager who states that the refund is being processed by the accounts department. At 4.00 pm I received an email from Sales manager asking me to confirm my account details. I gave these details to the Sales manager on the 6th so he could process my refund and the details are correct as I had a carbonated copy of what he recorded. At 4.45 pm I replied to his email with the account details again and could he please ensure that the refund was processed before close of play Friday. It's now 6.00 pm and I have had no further contact from them. My guess is that they have not processed the refund and have now gone home for the weekend. I cannot understand why Sytner did not deal with the paint failure as a BMW warranty claim as I am lead to believe that the dealership also earn money out of warranty claims, unless they knew that the paint had been touched up and wouldn't be covered by BMW. After all of the promises on the phone that the paint would be repaired to BMW standards along with the appropriate paperwork. I truly believe that they only ever intended to have a quick touch up job completed on the car. Even after 30 mins of the Sales manager telling me that they had requested a full BMW standard repair and me telling him that I didn't trust him. Not once did he show me or even hint at any documentation about the work they had requested the body shop to complete. Salesman 1 can be proven to of actually lied to me on 3 occasions just to make his job easier.

Hello Forum, I'm a new member so please be gentle! Last weekend my husband used a council car park in Winchester. To be entirely in the space (and avoid a fine!) he had to pull forward over the kerb that was around the flower bed. He didn't think this would be a problem as it wasn't very high, and plenty of other cars were in similar spaces. He drives a Seat Leon, so not particularly low or big. The problem was, there was an unseen pothole at the front of the space so as my husband pulled forward the car dipped down and the bumper got stick on the kerb. As he reversed the bumper pulled away from the car on the drivers side and cracked on the passenger side. It has caused noticeable damage, which is ironic as my husband was in Winchester because he had been test driving a new car and had been hoping to part exchange, the damage obviously affects this plan now. Do we have a hope of making a claim against the council?

Complaint regarding Barclays after i lost my job and had to make reduced payments. Barclays defaulted one of my credit card accounts after 7 months of arrears. They defaulted the other after 10 months. I complained that the second default date was completely inaccurate and asked for it to be changed to one similar to my other account. The adjudicator upheld my complaint but Barclays would not accept his decision and complained. The adjudicator then changed his mind saying he had not taken into account Barclays internal procedures which resulted in the delay. I showed that the delay in the default date is in breach of the ICO guidelines on defaults which state a maximum of 6 months. I also showed that the ICO guidelines specifically state that internal procedures should not be the determining factor when a default is registered. Ombudsman: "The ICO guidance does state that defaults should be registered within 3-6 months, but our service would not insist that this is followed in all cases." Regarding the delay between the first and second account default date. Ombudsman: "I'm persuaded the bank thought the applicants financial situation could improve." "It was required to treat customers positively and sympathetically" I find it disappointing that it was fair and reasonable for Barclays to delay a default to one of my credit cards but also find it fair and reasonable that they decided it was not necessary to do so on another. Ombudsman: Referring to the bank. "It says it has no record of the account the applicant refers to. It appears the applicant cant provide information about that account either." I provided my credit file which has the account details and adverse information which is reported and updated monthly by Barclays. Is the ombudsman awake? Ombudsman: "The bank says it generally issues formal demands to customers after an account has been in arrears for 7 months, and that it then given the customer a further 28 days notice before registering a default. It appears the bank did this in this case." This was almost word for word what the adjudicator said. Truly amazing since i had already explained to the adjudicator the maths; "I still do not understand how the default date 29th July is 28 days after the formal demand 1st June? I make this 59 days." What else can i say. A terrible and very poor service.

Hi All I wanted to get some feedback from people as i feel like i want to take action against Volkswagen. My mum purchased an ex demo car from Shepherds Volkswagen in Bishops Stortford (now managed by the Vindis franchise). It came with a three your warranty and the car has literally just passed it's warranty by about eight months. In the last few months the car paintwork is bubbling. Back panels, side panels, roof etc. VW have acknowledged this is a problem and offered to contribute half of the repair bill. They have also acknowledged through their dealers that "something was done to the car" (ie it was resprayed) before they sold it to my mum. They have even offered to discount a new car in acknowledgement that it is poorly done. My question is that if the work is that poor and job was done by a dealer then surely they should put this right fully? Who buys a car where the paint bubbles, fractures and peels away within four years? No one! And why do people buy Volkwwagens - because they are allegedly well built and manufactured. I've done a lot of reading online and this seems to be a known poor quality area for VW. I am so angry that my mum has purchased a car from a reputable manufacturer, thinking it will last her and now they know it's a problem, only want to cover half of it. Please can you let me know any thoughts on how i can get this sorted or take it further. Nick

Sounds like she's buying lunch, maybe, maybe not. Another brainless statement. http://www.dailymail.co.uk/news/article-2865301/Food-banks-rise-poor-people-don-t-know-cook-claims-Tory-peer-Baroness-Jenkin.html

I hope someone can offer any advice re a current problem concerning my son in law and his business. He quoted for a 'gardening' job, it was accepted, now the customer states she is not happy with the completed job. She is demanding a refund and says he has '...broke the law.' The job involved the laying of artificial turf. The customer had her 'front' lawn covered by artificial turf but wanted something thicker for the rear garden. This was achieved and she was happy with the job on completion,however, she then called my son in law and left a voice mail message admitting it was her own fault but she thought she had chosen the wrong product. She complained she wasn't given a sample of the product despite the 'turf' having been in her garage for a month before the job had begun. She states he has 'broke the law' because he did not provide a receipt, she was offered one and at the time declined. She is now threatening legal action if my son in law does not refund her the price of the job plus agree to redo the job at his own expense! His business is a very small landscaping/gardening job. He has never had a complaint before and this is causing him stress. Surely her admitting it was her own fault she chose a product which she later didn't like is no fault of the business owner? Any ideas where he might proceed from here? I understand this a family member and some may believe I am 'protecting' him but he is a genuine,hard working bloke, I would not help him if I didn't think this case was someone attempting to receive something for nothing. Thanks in advance for any suggestions.

I have just been told by Customer Services at Currys that they cannot discuss my claim with me, only my solicitor. Further, even though they admit that they have breached our contract and been negligent, they don't have to pay me anything in compensation. Apparently you only get damages in court if you're injured. After I informed them that I was recording the call, I have the poor girl saying that of course if she's wrong Currys will pay all my costs, including the solicitor. So for the sake of a claim for a few hundred pounds, Currys are willing to risk at least that much in costs? As the title says, their customer service staff either need some urgent training or Currys are idiots. It is so tempting to take them at their word ....

Took my car in to a local garage for its service and MOT. I also asked for an air con service at the time of booking. When picking up my car I was told that they couldn't complete the air con service as there was a leak when they put the oxygen through, when I asked what had happened and why they hadn't fixed it, I was fobbed off. On driving home, the air con wasn't working at all, just blowing hot air, it was working fine before. I took it to an F1 Autocentre who diagnosed instantly that there was no leak, just no pressure in the system- most likely due to a botched job. Where do I stand about complaining about this? I didn't lose any money, just time and my air con ended up re-gassed. However I'm not happy with the service I received from the garage.

Hi For the last six weeks the service from O2 has dropped so much in my home area that I am unable to make or receive any calls from inside or outside my home. I contacted O2 on twitter and then email about this at the start of August and they said that there had been other reports from O2 customers in the area as well. They said I needed to contact customer services along with anyone else experiencing issues, which I did. However each time I phoned or my flatmate phoned, as she was on O2 as well with the same problems, they said that there was no fault recorded with the mast. I have since dealt with their Senior Service Representative, Richard Chew, who credited two months line rental to my account. Fine, but I am still having problems and cant go on not being able to use my phone at home. They advised me to use TuGo, but I have the same problems on it and still miss all my calls. BTW their coverage checkers says good reception indoors and outdoors in my area despite this not being the case. They said that this is because they cannot find a fault with the mast. They have also insisted that I go into the O2 shop to get a diagnostics test done, which they cant do in the shop, to be told that there was no point as the issue was at my home address, and when I borrowed a phone to do it there was told that there was no point as it obviously wasnt my phone as it works elsewhere. Eventually they said that I could cancel my contract with no charge if I returned the phone. However, I am half way through a two year contract and feel that I have paid for half the phone, as well as the severe inconvenience and hassle that will come from me trying to wipe my phone of all personal data and contacts and setting this up on a new phone. As well as the costs of apps and inevitable loss of data/photos/music etc After further arguments they came back and said that their final offer was that I could cancel and keep the phone if I paid them £291, they say is a discount from £322. However, My monthly bill is £27, to pay for the next year including the allowances is £332. The O2 site says I can upgrade for £291 which is a discount of 25% line rental. This would value the line rental at £166, so I feel that I am being overcharged to keep the phone. Richard Chew has now said that there are no recorded faults with the masts and that is their final offer. He told me if I am unhappy to go outside O2. He said before that he will only review the case in 4 weeks, which if I cant use my phone is nowhere near urgent enough. I have said that I want payments suspended on the account while the complaint is pending and that I do not intend paying until it is resolved or accept any charges as a result of this, however O2 have not responded to this at all. I am worried that if I withhold payment they will mark my credit file as a default and possibly involve a debt collection company. I have referred to the ombudsman on this but I dont know how long this process will take and if O2 will mark defaults against me in the meantime. They have now effectively locked down, saying they have given their final response and thats it Where do I stand on this? Can they charge what they choose for me to cancel and keep my phone? Can they stop dealing with my queries because they have given a final response? Have I any rights in that the service I had 6 weeks ago at my home has gone and is now unusable? I am trying to decide if I am best handing back my phone to get out, paying over the odds to keep it or keep fighting the decision as O2 will not negotiate with me any more. I have spent an awful lot of time writing emails, phoning them and visiting their shops and cant afford the time to keep doing this. Any advise or examples of previous issues will be greatly appreciated Thanks Alastair Ps, I am currently trying to find my contract to see if there is anything about they providing service levels

Hi there Myself and my husband got into some financial trouble 5 years ago which lead to some defaults. As of next year all the defaults will be due to drop off our credit files. We currently have a mortgage with no arrears for the past 3 years. We really would like to move in the next couple of years and was wondering how long after defaults are removed will a lender consider allowing us to sell and buy? Is there mortgage brokers that WILL consider applications with poor credit? Thanks

Not long ago, I sent my mobile phone to Regenersis, a company who completes repairs for HTC. I had dropped my phone and damaged the screen, I had to pay for the repair, fair enough; £125, a lot of money, so understandable you expect a very good job. It seemed that this was the case, until a few days after getting my phone back when I noticed a white spot on the screen; what I believe to be dead pixels. 2 weeks on I have contacted HTC to inform them, it is the first opportunity I have had to do so really. Clearly the phone has not been passed through proper QA/inspection. I understand electronics and repairs as it is part of my profession, and it is clear that HTC have done a poor job; not impressed after paying so much money. Upon contacting HTC, they have told me I have to send my device back for repair, however I need my mobile phone for work & personal reasons at the moment, and they will not provide me with a replacement device while mine is away, even though it is their fault that it is like this. I am not willing to do this. I am tempted to write to their Europe head office (UK based) explaining the situation and insist that they either; a; Provide a temporary replacement while my device is repairs b; Replace the device altogether c; Provide vouchers to the value of the phone, so that I can purchase a new one And that if they do not, I will proceed with requesting a chargeback from my bank (actions I am willing to take, I will not make empty threats) I would really really appreciate some advice...

Hi guys wondered if you can advise i was with virgin for just over a year and a half and had alot of issues with the service. I had my Tivo replaced about 4/5 times and had at least 15 engineer visits with issues with the TV. The box would keep freezing and we had to pull the plug to get it back on, there was other times it was so slow that if i pressed a button on the remote i would have another birthday before it did anything. i raised numerous complaints about it and it was always we will get an engineer to attend. eventually after about 15 months they then said we think we found the problem water was leaking in the cab and we have no switched the cab your on, and you should have no problems, however it continued. I ended up having an engineering manager to attend and he tried various things and said any problems get in touch with him, problems continued and he never answered the phone. In the end i managed to get them to cancel my contract over all this issue, the guy offered me a discount of £12 a month to stay but i told him why do i want a discount on something that isnt working correctly. he then said the final bill would be generated and i would get a refund due to paying ahead. i emailed him a couple of times afterwards trying to get info a about how much my refund was and when it would arrive. however i was ignored. the cheque arrived and lovely virgin media gave me 20£ which to be honest with all the problems i had i find insulting, so emailed again and i asked for their CEO address on where i can send it back to however a few more emails passed still being ignored. In the end someone got in touch " stating, we are sorry you have felt our service was blah blah" no apology for their service being crap just sorry that i feel its crap. i emailed back explaining this while on holiday and a guy called me about an hour later form the CEO office asking why i wanted to return the cheque etc and also what did i want to happen. I asked for a formal apology on paper actually apologising they gave me a poor service and not an apology for me feeling they gave me a poor service, he said that he would be in touch in 2 weeks however its now 3 and a half and ive had enough. would i have grounds to demand a small percentage back of all the monies I paid them for the below par service i received , something like 11.5% (which works out over all bills 12% less than if i took the £12 a month option) EDIT decided to match what was offered initially to stay 20% or do you think i'm being unreasonable? all i wanted initially was a proper apology but they haven't even done that! Cheers Steve

Hi all, My first time posting, although buying a lot of stuff online, I've been lucky never to have had a bad experience until my first order with Wilkos! I have never complained about anything or had such shockingly poor service that I'm really unsure how to proceed. Would be really grateful if you think I'm being unreasonable, or how I should proceed: I ordered 4 items at a total cost of £300 from the Wilko website about 3 weeks ago. • After a week of ordering, I still hadn't heard anything from Wilko so contacted them • I contacted the couriers directly to arrange delivery after being on hold for nearly an hour, as Wilkos hadn't given them my correct number •I received no communication from the couriers regarding time slots •The delivery arrived on the designated day, but the couriers only had 1 of the 4 parcels (a dining table without the chairs). •I contacted Wilkos immediately who said they would investigate •After waiting 24 hours, I hadn't heard anything so recontacted them, and got the same response •Another 24 hrs later, I demanded to speak to the team leader who arranged for a repick and for the order to be redelivered on Fri morning - I confirmed this would be ok, but stressed that due to work commitments, it would have to be a morning slot •Fri morning, I waited around, no sign of couriers by 11am, so phoned Wilko who said, no they're coming in the afternoon!! •So they said they would rearrange the delivery for Sat morning (today) •No sign again, so phoned up (yet again!) and turns out the delivery isn't on the lorry this morning I'm pretty irate by now, and ask for a cancellation of the order. They said they could only refund the order in full if I return the dining table. I can't afford to spend yet another day waiting for the couriers to pick up the table to get a refund and it is useless without the chairs. They are willing to give me 50% off the full price of the table, but as it's part of a set, actually the price I paid for is considerably less than what they're offering. Plus I can't really do much without the chairs! Sorry to ramble, but am I being unreasonable to expect them to just refund my order in full and just let me keep the table? I wouldn't bother asking for compensation for the two extra days had to stay at home, just want my money back and never have to deal with them again. Any help would be appreciated.

Undercover film reveals inner workings at loan firm The Cheque Centre Reveals hard-up families on council estates are targeted by company Many sold loans with interest rates of up to 3,000 per cent Managers boast 'they've never turned anyone down' on camera Workers instructed to cold-call previous borrowers offering new loans Staff 'swipe' customers' accounts when they don't pay up Comes as Financial Conduct Authority announced new rules on industry Read more: http://www.dailymail.co.uk/news/article-2571091/Undercover-MoS-film-exposes-payday-loan-firm-preying-poor-heavy-drinkers-Waving-wads-cash-man-brags-lend-pay-raid-bank-accounts.html#ixzz2ulKgItm4

Hi Everyone. I would like some legal advice about letter i recivd from my work. I'm working from almost 9 years in waerhouse for big internation company. The rulase about offsick is that you can take up to 4 times in one year off sick and still get paid. Fifth time will be unpaid and process to verbal warning. Couple months ago i find our that apparently my company change rules and now you still can get 4 times off in a year and get paid but verbal warning will be after second off. To clear that warning you need to not taking off for more than one year becouse every warning stays for hole year in your records. I'm not sure if thats clear so i will write my exaple. I was off one day in may2013 (me my kid and wife had stomach flu) then i was off 2 days in october2013(I had very stong cold which is easy to get when you work in cold warehouse) after this off i get verbal warning Then i was off for 2 days in february 2014 and i get letter about hearing for written warning. Can they change rules without telling me about that?How now i should defence my self? I did not signed anything about those changes. Now i'm scared that if in hole year me or my family will get sick i can lose job. Can you help me with some advice? thank you

I have a problem with a service I paid for and not sure where I stand. Bit of a long one so here goes. I took 3 damaged rims and a new rim to a local Alloy wheel specialist for a re-furb. The owner inspected the wheels and said they would weld up the damaged area and respray the rims so they all match. I was given a price to which i agreed and left them with him (I told him no hurry as they are summer wheels) About 6 to 7 weeks later I received a phone call to say they were ready so I went to collect them a few days later. When i arrived I saw the wheels that were repaired and I was impressed until he showed me the original new wheel, the colour was off slightly and the new wheel had a logo in the centre and was as new not matched. I said I wasn't happy about the colour match and logo only being on one wheel. He said you won't notice when they are on the car and the colour isn't off it’s because the new wheel isn't lacquered on the back inside. (This is with hindsight when I should have walked away) He agreed to match the new wheel to the 3 re-furbed ones at a discount cost (I'm sure that’s what was meant to have been done from the beginning) About a week later I got a call saying the wheels were ready for collection. I went the next day to collect the wheels and all matched perfectly so i paid up and took them home. I left them in the original boxes for a month or so to harden as I was waiting for the summer tyres to be taken off of my old rims. I drove 20 miles to a garage who I knew had a Corghi leverless tyre machine to have the tyres fitted to the re-furbed rims. I watched while the tyres were being fitted effortlessly until the last one. As the tyre was sliding over the rim some paint came off, I was gutted and so was the machine operator, I told him to finish putting the tyre on as it was only a few inches from being completely on. I took the wheels and tyres straight back to the alloy wheel specialist. I showed him the damaged paint and he just looked at me and said the tyre machine / fitter had done it and he sees this damage all the time. I tried to explain that the tyre was fitted with a leverless machine while i watched and that the machine doesn't go near the rim of the wheel. He just kept repeating "the machine did it" then said "do you want me to fix it?" "Yes" I replied to which he said "It's going to cost you", I picked up the wheel and put it back in my car before I committed ABH and left. If you managed to get this far through the post has anyone got any advice on where I stand with this? I contacted Barclaycard and tried to claim under section 75 but they are not playing ball. I have photos of the damage / faulty paintwork and a link to the tyre machine used but I can not post them as I am a newbie

I would be grateful for some advice on this, as I have been reading around UKPC Parking charges and seem to be getting a mixed message as how to proceed. Yesterday I parked in a multi-storey shopping centre, in what I thought was a free space. I paid the ticket in a machine and returned to find a Parking Charge notice stuck to the windscreen. I realised, having read the notice that I was parked in a permit only space. There was a sign which I had not seen, on the wall behind saying that it was a permit space but with a car full of children, I had not noticed. The penalty is £100, reduced to £60 within 14 days. Surely if they don't want to catch you out, they should make these spaces look more clearly different from the rest?? Should I contest, on the grounds of inadequate signage, or completely ignore this? Please help - I do not have a spare £100 or even £60 and paid my parking fee in good faith!

I contacted a freight forwarding agent(FFA) to ship a car oversea. But on booking the car at Port, I noticed car is not road worthy, I bought said car in the evening so I didn't observe its true condition. So next day after booking I ring seller requesting for full refund, he accepted. I then ring FFA to cancel booking, he hesitated, I then ring shipping company, Grimaldi directly they said I could cancel it as my request is early and ship will depart in about 12 days. I ring back FFA and insisted he said ok but did nothing. After a couple of days I rang FFA repeatedly he neither answered nor return my calls. The following week I rang his office tel, he answered and said my cargo was mistakenly shipped by Grimaldi, which was all lies. When I refuse to pay shipping cost, company withheld Bill of lading so that I risk losing my wife belongings inside the booth of the car; my wife complained, so I was compelled to pay for shipping a car I didn't like/want; pay clearing cost at the other end, demurrage, etc amounting to about £2000. And on top of that the car would need so much work done such as new dashboard, tyres, gearbox, handbrake repaired, body work, paints, etc which will cost me a fortune! I have sent text messages, emails and 3 letters to this company but no reply. I will appreciate with thanks any advice or suggestion.

I have had problems with no signal or poor/intermittent service for the past 2 weeks, o2 say there is a problem with the signal in my area, I have asked for some compensation ( I am pay monthly) and they tell me that as they don't guarantee a service and (allegedly) the problem is only in my area due to a transmitter fault then they cannot offer anything. I pay monthly for a service that I am only receiving now and again , Does anyone have any advice, its really annoying I have had to ask friends to call me on the house phone as they cannot contact me.

Now onto Natwest... I previously had dealings with RBS... They wernt bad but wernt great. I joined up 5 days ago to get away from Barclays... and i thought all was good, asked for contact-less card etc, and also chequebook. Was promised that was fine. I get home today to find my new debit card awaiting to be opened... Open it up and to my horror, they havent given me a contact-less card. I ring in to them and say im not happy can they sort one out for me... "Sure" they say. Prior to this in branch they told me i could have one. Also the people in Telephone banking also said "The cards come as contact-less as standard" (Well clearly they dont) The woman on the phone was good tonight but had no idea why ididnt get one... On top of that theyve left me without a working debit card for my new account as they cancelled the card to try and send out another without my permission. The account i have with Natwest is a Select Silver Account. My friend has exactly the same and has the contact-less card chequebook and reader too. Now ive been told that i have a 14 day cooling off period that only works should i be unhappy about the insurance products, but in the T&Cs it says i cant cancel if im unhappy about any other element of the account. All i want is bank where i can spend my money as i see fit, have my salary paid into, and pay how i want too. I want a bank where things are 90% right and only Very rarely go wrong... But I really cant catch a break. For me this is usually a bad side of things to come so.... with that in mind. - Should i leave and return to Barclays or put up with Natwest making this mistake? - If i was promised this and they cannot deliver, where do i stand as above? Please feel free to visit the Barclays Thread here...

I need advice about Sharkleys as right this moment im fuming. Also though, please feel free to comment on my Natwest thread that im about to post. Once upon a time, I joined Barclays (More closer to Feb 2013), and decided to make it my new banking home. I thought all was well until i received 2 cash account cards (Not even Visa Debit based cards) which to me annoyed me. At no point during the conversation i had back in Feb did they mention to me anything was wrong with the accounts themselves. (Youll see what i mean in a minute) Once i realised this had happened, I contact their complaints team straight away. We had a long indepth conversation and eventually i proceeded to make a formal complaint. They contacted the branch but they didnt answer and eventually had to override this element of the complaint... The only resolution they would offer would be closing my accounts with no further damage to me. I personally went into branch and spoke both the manager and also the guy who sold me the account. I took the paperwork with me and they were both shocked. The paperwork made no mention of a "Cash Card Account" and mentioned Current Account only in most of the T&Cs as well as the products applied for. So much so eventually the manager pulled the banker aside and said got very annoyed. She came back out an apologised profusely for the monumental mistake and advised it wouldnt happen again. She promised to try and make it up to me. I refused and went on my way. But the last thing the agent said to me was, "We dont inform you if you dont pass our basic checks for a standard current account". I continued on with current banking provider at the time, and decided in April to enquire with Barclays once more to see if they had got a little better. And this is where things started alright... for 6 months, everything seemed to be Hunky Dorey and i didnt have a qualm. (They had actually got everything correct this time around and they were precise and upfront.. . The manager was even happy to have me back) Then, in a previous thread, i mentioned about Barclays and their CS... One of their staff calling me an idiot. This went one step too far and this has now developed into a full fledged complaint that has been back and forth. This was in October The original resolution was to be an internal enquiry and no further action to be taken as far as resolving my complaint. However I said I wasnt happy and wished to take it further because at no point should I be spoken to in they way i was. So I went to the next level... I had prepared a SAR request for a copy of the call transcript. (Youll also see why in a minute) Along with a £10 postal order, I went into branch and asked them to confirm the address i needed to send it to. I get a ditsy blond that had no clue... and advised she would have to speak to her manager. (Same bank manager as before) When the manager came to see me i told her and she said good on me and pointed me to Customer Relations. (21st Oct) In branch they rang CR and asked them. (Disty blonde did anyway) and they advised the process was incorrect. I had to do a "Status Enquiry" request which as they were Barclays and knew their systems and processes better than I do, I followed along. They then also said i didnt need the postal order and the £10 would be debited direct from my account. So i left it. Expecting it to take up to 40 days, i let Barclays do what they needed it to do, But on the status enquiry form i had to fill in, I was very clear... I wanted a copy of the call transcript and also any relative information along with all statements to date, seemed simple enough. I also specified the account for it to come out off. 7 days later i get a strange letter from them stating that this is their opinion on me. "We believe that Fkofilee will not enter into any arrangement that he or she cannot fulfil. " Something completely different to what i requested, So i was straight back again to talk to their complaints team. Also Barclays advised that they can only take the £10 out of an account that isnt associated with the account i was requesting the "Status Enquiry" on. (This is more a trivial part later) They took the £10 from the wrong account. Their complaints team took this with high priority and had it resolved within 30 mins. PAid me back my £10 from the account and gave me £20 "Goodwill Gesture" (I hate that phrase ) and advise me the CORRECT process to register a SAR. So on the 8th November i went straight back in and did it the correct way. Now this part will continue in due course but now onto the next part. (40 Calendar days) Direct debits. I spoke to Barclays to cancel a DD that i didnt want to go out any more and it was cancelled direct with the company too and they were happy as they were paid up to date. However Barclays ont he due date permitted payment although the company in question HAD NOT requested it!!! Pretty simple this part but Barclays confirmed they had balls up again and had decided to give me £60 "GWG" again for calls and also the situation. On the 28th of November, I had made 3 payments to Vodafone, Metrobus (Local Travel) & Southern Railway (A lot of money was involved here , travel etc) they were all processed and debited from my account. i thought everything was fine and they appeared on my statements online. However... on the 4th of December i suddenly find a huge credit in my account that i cant work out for any reason... I enquire and Barclays say "Well we dont know" then it twigged the amount was the same as the 3 payments. So i ask them again and they say "They haven't taken or requested the payments" It gets better! When i speak to the companies they have been given 3 x authorisation codes which means they were given the rights to my money. Strange i thought! Then it twigged... when i received a letter on the 12th December stating that the 3 transactions were held under "Fraud Guard".... They wouldn't be released for another 14 days. (Thats right 28 full days after the payments were originally authorised. Barclays then mentioned that they had held them because my card had been cancelled on the 30th after i got another card made up in branch. (I sat on it and it snapped) I kicked off big time because i got a phone call from Vodafone threatening to terminate all the agreements i have... I have my family with them in my name... I found it strange though as they had got what they wanted... But the pushed it down to me to fight their battle against Barclays for money they were owed. I had to fight tooth and nail person after person kept telling me the funds will be released in "Due Course" (14 days, which is no good if Vodafone cut me off) Next I complain AGAIN and they pull their fingers out and the funds get released there and then!! And im happy. but yet again they offer a "GWG" of just £30 because they feel its more "My fault" for cancelling my card. The last trivial part of this is going back to the SARs request and closing an account with them. The account issue is quite simple. I wanted one of my current accounts closed so i went into branch in Redhill, they asked me why i said i don't want to say and they said, its closed for you. I log on line on Monday to find its still open and ring and speak to someone again from Customer Relations and they say that its a mistake by branch and they will sort it but till this day 5 days later they still havent gotten it closed. A "GWG" of £50 again for a monumental cockup and being indirectly called a liar by their staff again. My credit file aswell!!! That £10 hey took from the wrong account was registered on my credit profile. They couldnt "See" the information they reported on to amend... Oh i give up with that part. Finally the SAR... I speak to them to ask where is it? I delivered it to branch and they put the address on it and sent it off (I saw them do it). This is 48 days later and they still havent fully completed the complaint... and my SAR request... Apparently its been "Lost" by branch... I have now got to the point of just wanting to wrap my hands around the neck of the next Barclays employee... - Do I have a case for BCOBS? - If so, how do i go about this and do i need to send a "Letter Before Action?" - What should i take into account for this SARs Complaint as a reasonable resolution? - If you have seen my Natwest Complaint on my other thread... Who should I stay with? - If I take them to the Small Claims and i decide to stay with them if Natwest screw up, Whats the chances they will withdraw my banking facilities?