back in 2007 i purchased 3 computers all from pc world and all having the top pc performance package ive had the computers ever since then and the 2 advents which i purchased within a few months of each other have now both got issues blue screening and crash dumping memory the card readers dont function and one dvd player is not working several times over the years one machine in particular has been sent back for the same repair a few weeks ago i went into the store to book a repair at my place of work only to be told they do not do that cover anymore ? i asked for an in house repair i then went back to work got the machine and took it into the shop at marsh mills plymouth i was told that i would have to book it in for the repair it would need to be sent off for repair ? i was told it would take no longer than 7 days i booked it in with pc world to get done i went into pc world 3 days later to still find the computer in the shop ? after 5 days i got the customer support on the phone asking what is wrong with the machine i explained the same as the notes that were left with the machine when i booked it in ? the dvd drive work when it wanted ? the card reader did not work at all ? the fan was going flat out all the time the machine was really noisey ok she said ill make sure the technician knows all the faults when he works on the machine i replied today is thursday and its due back saturday no worries it will be done then i had the technician on the phone asking what i wanted to be saved off the machine i replied everything he told me that if i wanted to save the data and photos ect i would have to purchase one of there memory devices at the cost of £60 i said no way ill send one in to the shop to be passed on to you i went into the shop with my brand new 64GB memory stick the man went to the computer to book the memory stick in then came back to tell me they wont be needing it now ideal i said not really they have done a factory re set and lost all of the data on the tower ? i left the shop as i was shocked and stunned well i got the machine back 5 days later with a letter to say that the card reader had been replaced and a cable was defective and it had a corrupt version of windows ? well i took the machine home to plug it in only to find that the card reader still wont work as it has no drivers the machine is beyond factory settings its bare so i took the machine back into the store as i am not happy with this at all if i had as there agreement says an on site technician i would never have let the machine be wiped clean these people are total jokers if they do not want to honour my warranty where do i stand any help would be great many thanks lee

My mother has just mentioned, upon opening her latest credit card statement, that she is paying something called ''Repayment cover''? Is this the same as PPI but just named differently in order to continue the big banking con? I'm trying to dig about and find out exactly what it is for, but if, as I suspect, it is to make payments on her card in the event of illness/injury/death etc then I will be putting in a reclaim for her.

I purchased a 8.4 Inch Book Cover for my Tab S. The 2 poppers on the back have come away from the unit and sadly means it will no longer connect to my Tab S. Ive had this less than 2 months. I approached CPW to help sort out the issue and I was told as its outside of 28 days, they said as there was a limited warranty for 3 / 6 months, I was to contact Samsung. So i spoke to Samsung and they said the Warranty lies with the retailer... So I rang again to someone else at Samsung who said the same thing. So I went back to CPW and yet again they referred me to Samsung. I sent a complaint email to them and yet again they've told me to go to the retailer yet again. The complaint email was sent to the MD of Samsung UK and their support team. They have now come back with this again... What is my next step?

I have had an ongoing issue with British Gas since my renewal dropped through the letter box in September 2014 for £340/yr. A fairly simple telephone call you might imagine to negotiate a better deal to compare to competitors at around £200/yr for the same level of cover. Anyway, two telephone calls that failed to result in a new price, due to "computer issues". Followed by various methods of them delivering the same £340/yr renewal quote with no explanation. Plus my complaints via on-line message through the website and to various complaints/customer service email addresses has still not resulted in a resolution. The most annoying fact is after the initial phone calls they said I would continue to be insured, and they would take the direct debit at the monthly amount stated. Now they never did this, so i would assume I am not insured, but they have not responded to my questions to confirm this. Please give some thought before you take one of these policies, and not just with BG by the sounds of it. I am going to try and find a good recommended boiler service guy and hope that any breakdowns and repairs are not too painful. Thanks for reading..

The purpose of exposing the truth about this story will contribute to finding the truth so that justice can finally achieved for us and for other people in the similar situations. I do not have a big group of leaseholders behind me and hence I am completely isolated and silenced. My home has been flooded for 10 years. I was deprived of any dignity in my own home. I experienced that silence to which I was constrained after a decade-long attack on my dignity as a human being before I was removed from my home with my evidence being ignored. The only objective of any exposure is the search for truth. There is no place for the “politically correct.” in a system that privileges parasitic opportunists at the expenses of families and people that cannot defend themselves on equal grounds. Anyone should be given the right to expose their side of the story according to the evidence available. I hope that consumeractiongroup will concede me this opportunity always with respect for the law and, of course, to relevant enquiries. I am looking for urgent expertise and help by consumers who are knowledgeable about planning issues and conveyancing. Some details of my story are available here: https://www.whatdotheyknow.com/request/conversion_in_eight_flats_at_34 if anyone bothers to follow the link and read up to the bottom I will then ask few urgent questions, Thanks a lot, Homeless Gullyver An isolated and silenced leaseholder.

Hi folks can anyone give advice please, I have cover with this company and my boiler is due a service, first time it was arranged for a Saturday morning between 08.00 and 12.00 they called at 11.0 to say they could not attend as they had a a very high volume of emergency call out's and they take priority over service jobs, ok fair enough. Then they kept phoning to remind me my service was overdue??, it was arranged again for today and they would be here between 08.00 and 12.00 and guess what, they called to say they had a very high volume of, blah blah blah. So reading through their T&C, as i now want to cancel, as they don't seem to have enough engineers to cover the customers they have on there books, but it say's if I cancel then I could be liable for the cost of 12 month cover just renewed in November, but if they cant provide me with the cover they promise to give then surely they are in breach of contract, and they should compensate me for having to take time off work etc. Any advice welcome thanks.

Hi everyone. Its my 1st post, apologies if i've done anything wrong on here. But i've been really worried and can't sleep tonight. i Wonder if anyone can help with this: I've been driving for 20 Years. I've never seen anything like this before. Paid the full years car Insurance online Got insurance Certificate, thought i was insured, got a 7 day cancellation letter, no phone calls notifying cancellation or asking for further information, think they are saying it's due to a failed credit check (their letter is below) I now need to get cover with another insurer. Do i now have to declare to the new insurer that i've had car insurance cancelled, or can i just go with one of the other quotes i got the same day i got this one? Do i get all my money back, i need it back first to pay for one of the higher quotes to get insured again. Full Details of what happened: Car insurance was up for renewal. Got quotes on several comparison sites. Chose one quote, rang the company, gave them reference, confirmed level of cover, excesses etc. Decided to accept cover, agent said best doing it online, or else i'll have to enter all your details and run it through again. Went online, clicked through the comparison site link for that companies quote. Paid the full years premium at once. 1st Email Received Thank you for confirming your intention to insure, We are currently processing your payment details, as you will already be aware to protect us against fraud we will be running a series of integrity checks on the information you have provided. If there are any issues with your payment, cover or results of our data integrity checks we will inform you of this by email or, if necessary, we will call you on the telephone number you have provided to us. Please note that your insurance cover is not binding until you receive a certificate of insurance from us. Got to email Proof of no claims, and copy of driving license within 14 days. I contacted my previous insurer again for copy proof of no claims Further Emails Received a few hours later: Certificate of insurance, Statement of Fact, Demands and needs, proposal information, Claims and break down contact numbers.. Basically everything you usually get when you get car insurance and you know you are covered. Knowing i was covered, and had time off, i went on a long motoring trip for a week to visit a relative, knowing i'll email my driving license and proof of no claims together when i get back. Got back tonight, was just looking through my emails on my PC when i noticed one from my new insurance company, Sent 2 days after taking out cover. "Please find attached an important letter with regard to insurance cover you have requested on your vehicle. This letter has also been posted to yourself at the given address and no further reminders will be issued. We recommend that you seek alternate insurance cover. Please note: Under the Road Traffic Act it is an offence to leave, drive or otherwise use a motor vehicle on the Public Highway without Third Party Insurance. Failure to return the certificate of insurance is also an offence under the Road Traffic Act." The Attached Letter URGENT 7 DAY CANCELLATION NOTICE We write to you in respect of your motor insurance policy for vehicle registration -------. We are authorised by your Insurance Company (see certificate of motor insurance for details) to act as their agents for the purpose of CANCELLING insurance cover in accordance with policy conditions and herewith give you notice that all cover is cancelled from -- December 2014. In accordance with our terms of business which were agreed to when purchasing this policy and that state: “We may, before and after entering into this agreement search the files of any credit reference agency or agencies who will keep a record of our enquiries. We may also disclose details about you and your conduct of this agreement to that agency or agencies. Such details are then used only to help make credit decisions on you or members of your household or occasionally for fraud prevention or to trace debtors. Where credit scoring calculations are used by us/the insurer, acceptance or rejection of your application will depend only on the results of the credit scoring process.” We regret to inform you that after such a credit scoring calculation was done, the result of which was unacceptable and due to this we are unable to provide any insurance cover for your vehicle. A full refund will be issued to you upon cancellation and once receiving a certificate surrender declaration unless there has been any claims during the period of cover. No further reminder letters will be sent about this matter. Cover will simply be cancelled. There will therefore be no cover in force after the above date and you must return your certificate of Insurance or temporary cover-note, if you received this by post you must return the original, where it was received via email you must email a Certificate Surrender Statement to cancellations Department. You are advised to obtain cover. Please note: Under the Road Traffic Act it is an offence to leave, drive or otherwise use a motor vehicle on the Public Highway without Third Party Insurance. Failure to return the certificate of insurance is also an offence under the Road Traffic Act. A Person may be prosecuted if a cancelled certificate of Motor Insurance or temporary cover note is produced to any person with the intention of deceiving that person into accepting it as genuine. ******************* WARNING ******************** After the termination of your insurance the Motor Insurance Database (MID) will show that no insurance cover is in force. This information is registered on the Police National Computer confirming no insurance cover is in force until replacement cover is issued

Hello All, Bought a used car recently which had 3 months Warranty as above. Had starter motor prob in 2nd month, the garage which have been excellent for customer service replaced motor without quibble. The 3 months warranty is expiring shortly and I am considering taking out the above named RAC Warranty, Gold Parts and Labour Cover at £299 for 12 months cover. I have always had the opinion, rightly or wrongly and reading press reports etc, that these Warrantys are not usually worth the paper they are printed on. The dealer I bought the vehicle at, have been as stated above. I would appreciate any further info/advice from the CAG team and posters, as to have the car Warranty cover policies improved or are they still tied up with Legalities as to why they will not/cannot pay for repairs. "EXEMPLO DUCEMUS"

Hi do not buy AA repair and cover warranty its a big [problem] the insurer is brc please be aware my car a 2005 Peugeot 407 broke down last Friday car was vibrating really bad as man came and said it was flywheel he towed me to local garage where they stripped gearbox they found that the flywheel dual mass had broken and seized so wasn't moving and not doing its job brc phoned and said it was not covered as its wear and tear now how can be that if its broken the flywheel has no wear on it they then stated that the clutch plate was worn down to rivets this is not the case there is thousands of miles left on all parts and if flywheel had not broken it would be still going car was not slipping at all just really bad vibration they say in there terms it is not covered for wear and tear but it doesn't say we do not cover cars over a certain age it is a big rip of so any part that fails they can say its down to wear they refuse to pay car is below average milage and fully serviced please helpa

From another forum but really worth repeating here. No one wants to take responsibility for the appalling cover-up of the sexual abuse of kids. On Sky News this morning the big boss of Doctor Barnardo's, Javed Khan, refused point blank to condemn anyone or say if anyone should either resign or be disciplined. In my eyes, this refusal makes him as guilty of the crimes as those that did it, covered it up or shoved it under the carpet. Perhaps it's he who should resign. I do agree with what some of the papers are saying that Political Correctness played a big part in the inaction or failure to act. How many of us are scared out of our wits to say anything against an immigrant or any foreigner for that matter, as we will automatically be classed as racist. It's time this political correctness cr@p ended and we were able to call a spade a spade. Link

The clutch pedal went without warning on my 2004 Mondeo. I called the AA, they sent a very helpful mechanic who, after trying the clutch, confirmed it had gone and needed to go to a garage. He towed me to Mr Clutch, gave them my details and collected a courtesy car. When the garage phoned me they said the Duel Mass Flywheel had gone, this had damaged the slave cylinder and soaked the clutch plate with oil. Mr Clutch then told me they had been in contact with the AA and had been told this was wear and tear so would not be covering this under my breakdown cover. I was, to say the least, baffled by the decision of the AA, as to how they can make this assumption without seeing the faulty parts. I asked the garage to strip down the flywheel to see if the springs were intact but on inspection the spring was found to have broken, which is failure not wear and tear. I asked the AA to send out an engineer to inspect the broken item which they did, but still came to the same conclusion. I then went through the complaints procedure, and have just heard back to say they think it is down to wear and tear. To my mind if a clutch goes all of a sudden and is due to the springs in the Duel Mass Flywheel breaking causing the slave cylinder to break up and soaking the clutch plate with oil, this is breakage, not wear and tear. I do not know where to go from here, I still have the clutch parts. Any suggestions?

I had a roof leak which went unnoticed for a considerable time and caused damage to timbers because it went on for such a long time The insurance document says fungal damage is not covered. I have had a look at some other companies and they don't list this as an exclusion.. but can the company I have refuse to pay because they have listed it? I haven't asked them yet but I presume it isn't covered? Would appreciate any advice.

I’ve been a member of the AA now for some years. It’s only this year that I’m disappointed with the service I have received. In January my car blew its intercooler pipe and they refused to pay for the repair stating it was due to a blockage. We are still currently arguing about this one. In fact I have made a complaint with the Financial Ombudsman Service and we are awaiting the response. My car has since then broke down again. The day before the bank holiday (17th April) we left our home towing a caravan for a six day holiday to the forest of dean. We didn’t get very far. Just 45min down the road before the clutch went, or so we thought. When the service man came, he diagnosed the fault as a turbo issue. First we dropped off the caravan to our house and then the car to our local garage. On the way to the garage I gave my mechanic a quick heads up we’re coming. He said that the turbo if ordered today wouldn’t get delivered until the following Tuesday / Wednesday and we were hoping to try and get away again that Wednesday. The campsite that we had booked with let us move our booking to that Wednesday. The mechanic said that we could drop off the old turbo and pick up a new one if we went ourself to collect. he removed the old turbo that night and then Friday morning I went and exchanged the turbo. I was curious, so while I was there I asked, “Why it had failed?” The man said the fan thing inside the turbo had come loose. I dropped the new / exchanged turbo to the mechanic Friday morning and by the Tuesday we had our car back. Then on the Wednesday night we went Holiday. It was that Tuesday when the problems started. I had just got the car back and so I got the receipts for the new turbo and mechanic bill. I rang my mechanic and gave him the telephone for claims and my details. The next second my mechanic rang me back saying that the AA wouldn't take his word that the turbo is faulty and wanted to see it. Which was impossible as it was exchanged for a new one. And so when I rang them up they said they wouldn't pay as they haven't seen the turbo. It seems to me that the AA are making anything as an excuse not to pay. The reason given for wanting to see the old turbo was they wanted to check for wear and tear. My mechanic said "Everything is wear and tear". As soon as you drive a new car off the forecourt you will have some degree of wear and tear. What is the point of having insurance when every time I go to claim, the AA refuses to pay out? Anyone would think that they are trying to get me to cancel my insurance because my car is getting old. They are quite eager to take my money but very reluctant to pay out. Am I right to be asking to cover this cost. What do you think?

Hi me and my husband took out a Scottish Widow policy when we took out our mortgage. We made a claim on the policy when my husband was out of work and then I made a claim when my husband died in 2010. Will I be able to get anything back now, or has my claim and subsequent payout make any claims invalid.

Hi I currently job share 4 hrs a day 5 days a week, my working partner is going to be off for a few month due to a knee operation. Problem is if im asked there is no way I can work full time, I have 3 kids and she is likely to still be off through the summer holidays, I have looked at my contract it doesn't even state I am job share or that I have to cover sick or holidays! Only that they can vary my hours not that they can make me work more and with reasonable notice from time to time.....so can they make me work full time to cover, as any time she had called in ill they have never asked me to cover which to me implies I dont have to cover, just want to know as its not in my contract can they force anything? Thanks

Good evening, My father bought a laptop from pcworld which to your credit worked fantastic up till this point. He purchased it in 2010 or around then and sensibly took out laptop insurance, (knowhow). He hasn't lapsed on a single payment and has never sent his laptop for repair until now. Before sending the laptop away, my father promptly explained the situation, that he is an IT tutor in college and uses it for marking. All seemed well. Originally on the phone he was told it would be 7 days or it would be replaced. Alas 7 days pass, no replacement, but a call to say they need additional parts. This is promptly followed up with a phone call from his wife, whereby he was told they will only abide by the old contract and they have 28 days to replace it. During this time, my mother has had to deal with a few members of staff and a manager or 2. She is disabled and does not need a member of management speaking rudely to her or being impolite. She is then told the 28 days would be up on Saturday 1st March 2014, so she calls again after being left more messages saying more parts are required. 'No Mrs storey, it is Wednesday 5th March'. Again after being spoken to rudely. She calls again today after being told they are waiting for more parts. And it would take it over the 28 day policy. She then requests the laptop is replaced using the vouchers after even more rude staff on the phone. Then she is told not only does she have to wait till Wednesday but there will be an additional 72 hours wait after the 5th for the vouchers to come through via email? And it will be at the same value in which the laptop was bought. Correct me if I'm wrong but 48 months of paying £10.00 a month is £480. She has already been told that the voucher certainly won't cover the original cost of the laptop, but I find it insane that they may well offer less than the money that has been paid over the years for the laptop cover. May I ask, is this how a situation such as this is meant to be resolved? Given my father has gone without a laptop for 4 weeks where he can't mark from home and his disabled wife has been treated horribly by customer services for weeks? This is not a direct rant at all, but an account of the situation as best described as possible. Thanks, Darren Storey

Hi, i was wondering if someone could help me. i am sure I'm not the first or last to report such a problem. i have been a member of AA for about 6 years and have the additional breakdown repair cover. i own a vw golf 1.9tdi 2005 model last week i broke down whilst driving, i lost total power however it was intermittent, even with the full foot down on the accelerator. i suspected it was the turbo or MAF as the warning light appeared on the dash board. i parked up in a safe location, called the AA and they sent a patrol, in favour of the AA, the patrol did arrive within 20 minutes. i explained to the patrol what had happened and he advised that most likely cause was the MAF, as the error code from his machine pointed to that. he cleaned the MAF (Mass air flow Meter) and the light went off. he advised me to drive to a garage of my choice so i did, as he followed me, more black smoke, he flashed me down and recovered me to the garage. the garage inspected the car and advised the MAF was faulty and also the turbo had failed. the garage called the AA and advised of the issues related to the breakdown and that it was a sudden mechanical failure. AA refused to give an authorisation number, i spoke to them today and they advised me they want to send an inspector out and based on his report they may overturn their decision to cover the repair. i hope someone can help me. just dont feel the warranty serves its purpose. thanks

I am having a dispute with Brighthouse regarding getting a refund for the payments of I have made for Optional Service Cover and Late Payment Charges! Has anyone made any headway with this company as to actually receiving a refund for this? Many thanks Pat

Hi there, wondering if anyone could she some light onto a situation, i feel like there may be nothing we can do but i know some of you guys are fantastic! The story! I wanted to get myself a new watch and had been looking at a watch in argos, other stores had it but argos at the time where the cheapest. Now i went into the store a few times to look at it and eventually parted with my cash to buy it. now the woman who by now i had gotten friendly with explained about the argos cover and if i ever dropped it or smashed it i would be covered and decided to pay the extra a year passed, had a baby, got a new table, moved home. one day in work looked at the time and saw condensation in the watch, the seal must have broken. Went to look for my receipt and could not find it anywhere. Went into argos and explained the story and even got the woman who served me to come over and back me up, which she did but no the manager was having nothing to do with it! i feel awfull as they seem like they will do anything not to repair it, the only other thing i can think of is that i can remember the date could they look me up on CCTV? Or should argos not have a way to dig it up on the receipt. I fear i may be in the wrong but i hope one of you guys can help me out!

I was wondering if someone could please help me, my laptop accidentally slipped and fell from 2nd floor balcony. KNOWHOW have sent this back to me without repairing it and have said the findings are not covered by the agreement and I need to write to them at Hemel Hempstead if I want to challenge this. Please help as I'm not very good at letter writing.

Perfect Home, Got a computer from them all the insurance cover the lot, little boy knocks it over and it smashes the screen, being a touch screen computer we could use it. so we contacted them told the what happened, the we if we got it to stre and paid £100 excess on insurance they would repair it for us . we wait and wait untill eventually my OH who is a software engineer contacts them who tell us that it couldnt be repaired they would just minus the amout still owed on it off our existing bill.(we have other items) we had effectively paid all that money for renting a computer for not even a year, we went in several times and contacted store manager, we said we wanted the product repaired and returning, we over heard staff say they werent going to because the repair would cst £600 and we only owed £700. after weeks out of work, due to intellectuall property being on boken comp and due nature of damge data retrieval ws not possible before returning. we have now got a new computer they apparently did s a discount n shorte. I dont see how e have benefited at all. we are back at square one. Ive read and read my contract agreement and they have follwed no procedure on there, the only its remotly like is repossession of goods because they are out an out refusing to return it.... .i want it back for the intllectual property on there if they refuse can i sue them, also can i sue them for loss of earning whilst computer ws in for repair and for distress during this time. what are my rights with the broken computer surly they cnt just terminate the contact with nothing for us, in that event we should have got a cash pay out and we shuld hve recieved letter notifying us of end of contract but we still have nothing. store manager refusing to speak to us

I have a Scottish Power boiler cover which I pay for by direct debit, in November I reported that I had a problem, it is now the 23rd December and after numerous phone calls, engineers not turning up new part being put in, having intermittent heating and hot water for the last two weeks I have had no heating or hot water, I have phoned and emailed several times to Scottish Power with promises from them that someone would contact me then they were ordering a part, only to find today when I phoned yet again to be told that they are not going to repair my boiler despite my having contract, despite them originally accepting my boiler! I have asked on several occasions to speak to a Customer service manager only to be told they are too busy and my case was not urgent, in fact I was denied this access totally! I have been told that an email is being sent from the engineer to the customer services but still no information to me. I have no idea what to do next, if they had informed me two weeks ago I could have got a local engineer in to have it fixed, as it stands at present, no heating or hot water over the christmas period therefore one year old grandson cant come to stay, any suggestions please on what I can do? Needless to say I will be moving my custom elsewhere for gas and electricity but doubt if that will bother Scottish Power at all.

Some house insurance policys have a degree of legal assistance. Does anyone know if this would run to supporting a PCN appeal?

driving my friends car with him in the back seat i was flashed and he has received a speeding ticket. i don't know if I'm insured or not ?? a) im insured but only as a named driver on my dads policy b) my friends has fully comp insurance and was in the car when i got flashed (we are both 26years old) will the DVLA check insurance if i say it was me ?? am i covered by either policy ? whats my best plan of action?

I everyone, I was just wondering if the above is correct? Unfortunately I have to claim on one of policies (CIC), however the insurer is placing unexpected restrictions on the policy. I was not told this when I took out the policy and if I knew I wouldn't have purchased the cover. They have so far refused to pay out, despite me meeting the (EXTREMELY) harsh criteria. Have I been miss-sold? Cheers