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Showing results for tags 'online'.
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Hi everyone, I'm hoping someone can offer a little help and advice. I wish to serve a SAR on the bank that previously held my mortgages (I had two linked to the same property, due to undergoing a - relatively amicable - divorce and being obliged to buy my spouse's interest in the house - who had no desire for the property...just the cash). I've lost all of the documentation, pertaining to said mortgages. I would like copies of the original offer and subsequent agreement along with all terms and conditions (including those if/as and when they may have been amended). Additionally, I want the bank to provide a full list of mortgage repayments made by me and received by them along with details/notes of any and all communications between our parties, howsoever conducted (written, telephone, carrier-pigeon etc.,) as well as any manual notes and/or interventions which may have occurred with regard to my account, throughout the term of the mortgage. Does such a SAR template already exist or is there any member of the forum who may help me to properly draft a suitable Subject Access Request? I'd be extremely grateful for any help/advice/referrals. Many thanks. Jib T
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Hello, I bought an ankle brace online and it doesn't fit well at all, so I would like to return it, but I've just seen that the company charges a 15% restocking fee on returned goods. The item was bought about 3 weeks ago. I was just wondering if they're allowed to do this seeing as I haven't diminished the value of the item. Thanks in advance for your help!
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Polish pair punished for operating fake online pharmacy READ MORE HERE: https://www.gov.uk/government/news/polish-pair-punished-for-operating-fake-online-pharmacy
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HMRC calls on online marketplaces to sign agreement tackling VAT fraud READ MORE HERE: https://www.gov.uk/government/news/hmrc-calls-on-online-marketplaces-to-sign-agreement-tackling-vat-fraud
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New laws to better protect millions of Brits who book holidays online READ MORE HERE: https://www.gov.uk/government/news/new-laws-to-better-protect-millions-of-brits-who-book-holidays-online -
Quicker way to resolve claim disputes launched online READ MORE HERE: https://www.gov.uk/government/news/quicker-way-to-resolve-claim-disputes-launched-online
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Hello This is my first time using this forum and this may be a little bit long winded which I apologise for I purchased an item online over 11 days ago from Appliance Direct. The item was advertised at £19.97p and the original delivery date was to be Monday 26th March 18. The item did not turn up I contacted the company via their chat facility online, I was then informed the delivery date was changed to Wednesday 28th March 18. Again the item did not turn up I contacted them again. The item in question was put on hold for delivery as the price of £19.97p was wrong and there was a discrepancy. I have now been informed by the company this order has been cancelled for this reason and I will be reimbursed the money owed. The actual item is shown on their website as £59.99 now, this is the exact same item. I have contacted their customer services and they informed me that because the item was not dispatched then there was no contract in place. The money has left my account over a week ago to pay for this item and I have received an email informing me the item was despatched. Where exactly do I stand with this? Any advice greatly received. Thank you in advance -
Hi all, I am really sorry but I do not know where to put this. I bought an online course. It had a no refund policy and was based in the USA. After going through it - I have realised that the claims made in the sales pitch were very misleading and some were lies. As what is stated in the course is quite different to what is stated in the salespitch. I asked for a refund and was told flat out that it would not happen and then was told that everything I said was wrong - my perception and the facts and that he could prove it. Then was told he would not respond to anymore messages about it. I have spoken to several other people who have felt mislead too. They have been successful at taking the company to small claims in the USA. In fact there seems to be quite the awful trail if you look for it online. I have contacted my credit card company about this and I am waiting to hear back. The amount was £600. As the company is in the USA - what can I do about this? Will the credit card company help me or do I need to do something else? Any help would be greatly appreciated. I get that they had a no refund policy which would have been fine if the salespitch hadn't basically lied. I know the UK law does specify that marketing should not be misleading etc...however as this is a USA company I am not sure how to deal with it. And yes I know I was dumb and it is the first time I have fallen for this crap and I am disappointed in myself but well live and learn and I know it won't happen again.
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I recently visited Brecon Cathedral and due to unforseen circumstances must have been a few minutes late back to my car. A week later I received a parking demand of £60 for Minster Baywatch Parking. I wasn't very happy but immediately paid the fine online. I didn't receive a confirmation email so checked on my online bank account and found the payment in Pending Transactions so thought all was ok. Four weeks later I received a letter saying I hadn't paid and now had to pay £155. It also stated that if I didn't pay they would forward the debt to a debt collection agency. You cannot contact the company by telephone so I telephoned my bank. They said that if the money is is not collected from the account, the pending transaction will disappear without trace. I then paid the £155 bill online as I had no proof that I had previously paid the £60 online. I feel that Minster Baywatch have deliberately not collected the payment from my bank so that they could then almost triple the charge without any comeback on them. I wondered if anyone else had had this problem and what if anything they could do about it. I have emailed Minster Baywatch but had no reply
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Retailers have rights too! New small traders' returns guide 22nd February 2018 Retailers have rights too! ParcelHero introduces new small traders' returns guide. At least 200 specialist online stores don't expect to survive the massive growth in returns this year. As UK consumers learn to make the most of new return regulations, ParcelHero has introduced a new guide for sellers, spelling out what their own rights are. A recent survey by leading courier price comparison site ParcelHero revealed at least 200 e-commerce businesses don't expect to survive the massive growth in returns this year. Returns reached 47% of all ParcelHero shipments in the first days of the New Year and traders say that they were often pressured into paying the cost of returns even for unwanted items - or risk losing their all-important 5-star ratings. https://caithness-business.co.uk/article/8110 ........... is it just me or is this a wee bit iffy... buy our insurance and we'll protect you...urmm..wonder whats mor expensive for the trader..refunding returns process or their insurance.... -
Government outlines next steps to make the UK the safest place to be online READ MORE HERE: https://www.gov.uk/government/news/government-outlines-next-steps-to-make-the-uk-the-safest-place-to-be-online
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Hi, I was just asking for some advice regarding a recent order. I bought some jeans online from Stuarts London in their sale for 67 pounds. I received them today 31/01/18, tried them on but they dont fit (too small). I had to download the returns form and while filling it in I noticed the line- Sale items are NOT refundable, and can only be exchanged for another product or a credit-note as an e-voucher will be issued against the purchase. I have never encountered this before, I have bought many clothes items online and returned them for a refund successfully even in sales. I thought under the current rules I have 14 days to return for a refund no questions asked. I would be grateful for a clarification and the right way to return them for a full refund. Thanks!
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New online service could help drivers report accidents READ MORE HERE: https://www.gov.uk/government/news/new-online-service-could-help-drivers-report-accidents
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I purchased an item from [edited] for £3200 during their January sale thinking it was a good deal as the item normally retails for between £5000-6000. Order confirmation received straight away and payment has been taken from my credit card. I’ve now 3 days later had an email from them saying it was a misprice and giving me the chance to either purchase the item at full price £5500 or to cancel the order and receive a full refund. Their T&Cs (I can't post a link as a new member to them) states that a contract is formed once an order is received and payment taken: 3.1 How we will accept your order. Our acceptance of your order will take place when you complete the checkout process and pay for your order, at which point a contract will come into existence between you and us. Another T&C states 7.8 When you own goods. You own a product which is goods once we have received payment in full. They have one T&C covering mispricing which states 15.4 What happens if we got the price wrong. It is always possible that, despite our best efforts, some of the products we sell may be incorrectly priced. We will normally check prices before accepting your order so that, where the product's correct price at your order date is less than our stated price at your order date, we will charge the lower amount. If the product's correct price at your order date is higher than the price stated to you, we will contact you for your instructions before we proceed with your order. If we accept and process your order where a pricing error is obvious and unmistakeable and could reasonably have been recognised by you as a mispricing, we may end the contract, refund you any sums you have paid and require the return of any goods provided to you. In my view it wasn’t an obvious and unmistakeable pricing error (for example where they get the decimal point wrong and sell something for £500 instead of £5000). During a January sale I think it’s reasonable items could be heavily discounted. I plan to write to them to state that I consider we have a contract and I want them to uphold their end by supplying the item to me. But if they refuse, what are my options to enforce the contract? small claims court? And what would I realistically be asking for? Obviously I can cancel and get my money back so I'm no worse off, but it means I won’t have the item, and would have to spend more money to secure it elsewhere. Any advice would be a great help.
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Hi I purchased an inflatable airtrack for my daughter for xmas to help with her gymnastics. It arrived a couple of days before xmas but was not used until xmas day. The item does not stay inflated - there were no instructions sent with the item although there should have been. I tried a couple of further times to inflate the item but it just keeps deflating . I contacted the company on 27/12/7 to report that the item was faulty but they were closed until 3/1/18. I emailed them with the details and requested a return and refund once they reopened in Jan. When they reopened they did not reply to my email, I contacted them and they asked me to email them - I explained that I had already done this and asked them to check their emails . I contacted the company again yesterday and they said that they had not received any emails from me so I forwarded my original email to them - they have emailed me this afternoon to say that the item I ordered was custom made and that they are only obliged to offer a repair. They have asked me to arrange the return to them at my expense if I want to proceed. The address that they have emailed to me for the return is not the same as the address on their website - It has been a while since I had a problem with a return / faulty item and I know that regulations change but legally can they refuse a refund on a faulty item? Any advice would be appreciated thank you x
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Hello All, About a month ago I paid online for a flight with a European Airline. Somehow (no fault of my own) the payment didn't go through although at the time it showed the payment pending. The next day my bank notifies me of possible fraudulent activity and thus locks my online account. Several days later the airline later email me about this non payment. Now I am back in the UK I have contacted my bank, and furthermore contacted the fraud centre. They notified me of the fraudulent activity was actually the airline getting into my personal online bank account with no permission. So regardless of if, why or what their intentions are / were, is this not illegal for an airline, or anyone, to invade a person's privacy like this?!! Can they just get away with it? Thanks in advance -
Hello, A few months ago I started having my Boots.com orders cancelled for unknown reasons - in the end I gave up and used my husbands account. Then Argos started repeatedly cancelling my orders and so I used my husbands account. Now my husband is being refused orders from both of these companies for unknown reasons. Even if I try and set up a new account and get a delivery it comes back as cancelled. When we call the customer service team can’t tell us much it’s either our card/cards, names or address? Can’t seem to find much on this and what to do never returned an order or had any trouble with these retailers before this!???
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Hello All, First of I'm sorry if this is the wrong place, please move the thread if it's better elsewhere. I manage a very small esports gaming community and recently have been harrassed by an ex member who has repeatedly tried to regain access to our community and post hateful comments in the game chat over and over. As soon as we've become aware of this we've removed them and banned the account. The problem is this individual keeps buying new copies of the game and rejoining the community to post their vile comments. We banned by IP address but as anyone knows in the IT world this is seldom successful as the user can (and has) use a VPN to circumvent the ban. We are aware of 2 IP addresses they have used belonging to on of the big UK broadband providers. They both trace back to the same geographical area and we have every reason to believe this is correct. They also used their voice in a video made 6 months ago and the persons accent is the same for the area the IP suggested they are located. Recently they've started posting silly abusive YouTube videos and recently posted images into the community in my name of sexual nature including parts of my identity. I've just ignored this for a long time and not responded to any of their comments, abusive emails, videos, crude photoshops etc etc. However recently they began targeting another member who I know to be vulnerable and I've finally decided enough is enough. They have been at this for nearly a year now. Looking at the CAB website it looks like the options I have are both civil and criminal courses. The website says 2 seperate incidents have to occur for this to be considered harrassment. We're well over that number so I have no issue there. I don't particularly want to involve the Police as I have little faith this will help and could cause the situation to become even worse. I have also been the victim of crime and found the Police to be very unhelpful and make the situation much worse. I fully believe this individual who resides in the UK has my home address and I don't particularly want £100s of Pizza cash on delivery to arrive, or Taxis that I didn't order or to be SWATed... I know all three of these happened to a friend who had a similar problem whom the forum assisted me with in the past. So I am thinking the best course of action is to proceed to the civil route and get an injunction against this individual that they must stop this. I'm not looking for monetary compensation even though it has been agreed with my Mental Health Support Worker I could evidence this causing increased anxiety, makes me feel I can't play in my own community and it's a clear cut case of Slander. My exact question is, how can I go about asking their ISP to release the details of the customer concerned. I am well aware that the Data Protection Act would be their easy way of refusing the issue. Is there a particular way I can go about this with the courts by making a request via the courts or direct to the ISP that they must give me the information to secure an injunction against them?? I can see this being a very difficult problem to solve, But I will take it on as I owe it not only to my community members but to myself as well. We banned this member for harassing another member and we gave them every opportunity to stop and were more than reasonable. However as this has gone on for so long I fear I'm at the point of realisation that this isn't going away any time soon. Thanks for reading and I'm sorry to draw out such a long post, but I felt it appropriate to give a backstory. Any advice is welcomed. -
I bought a rug from modern rugs last week. It arrived yesterday and while the pattern is the same, the colour of the rug is different. I have looked at their returns policy and they say they will refund the money if we send the rug back within 2 weeks at our own expense. It is a 116 x 170 rug and will be expensive to send back and as they sent a product that was not as advertised I do not feel I should have to pay the return costs. Does anyone know what rights I may have buying something online that does not match the pictures in the online shop? -
Hi all. I'm hoping someone can help me with the below please? I signed up for a trial on a website called alphaprep.net for their CCNA courses on 27th October, tried the service and didn't want to continue beyond the trial. The website informed me upon signup that they would send me an email to remind me to cancel before the trial period was up (see attached screen shot from their website). They didn't do this and then subsequently charged me $259.99 without any other notice. I have since e-mailed them to request a refund and cancellation but they informed me that they won't provide this. Can anyone give me any help on what i should do here? Should i just go to my bank and ask them to chargeback the amount? Just another note to add... I was just reviewing the original email receipt for the trial and it doesn't state anything about cancelling at all. ]
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There's no point in whining about them. We know they're ripping the public for all they can, any way they can. 58% rates, 28 day account periods when almost everyone gets paid monthly nowadays. My wife has a debt of £2096 with Marisota and I don't know how much with Very. (She says she doesn't know the password! I'm resetting it.) And a credit card, and who knows what else hidden. She doesn't work, I have to pay everything. I want to work out a prediction of where this will all go unless dealt with now. I can use spreadsheets but I'm not sure how they calculate the minimum amount. T's&C's say: The word is INITIALLY. That insinuates there will be something different later. Or is it so simple as 4% of the £2096? That is £83.84 but they are saying amount due is £251. How is it worked out? Thanks. -
Hi everyone, I'm hoping someone can offer some advice with an online shop problem. I bought an E-cig kit from a shop online which I received a week ago. This morning when I turned it on, the screen is faulty - it has like lines all down it right across it. I contacted the shop I bought it from who don't want to know. I was told that even though I had bought a full kit - mod and tank in a sealed box, that he could not take the tank back due to hygiene reasons as it goes in your mouth. I don't get this as I know that vape shops who have faulty goods returned send the whole kit back to the manufacturer who in turn refunds them. No vape shop will take back part of a kit and it must be returned in its original box. After being pushed, he said he might replace the mod but could not guarantee it would be in a sealed box - all mods are bought in sealed boxes. He said I would have to trust him that he would not send me an old reconditioned replacement ! He point blank refused to replace the whole kit with a new one so I told him in that case I would want a refund to which he refused and said I obviously didn't know the law. He then said if he was to consider anything, he would have to make sure that I had not damaged the mod myself - I am OCD about all my mods. They are all like new I am so fussy with them so no I didn't damage it myself. Again I was told that I obviously don't know the law and that he doesn't have to give any refund. This guy is really dodgy. I paid for the kit through paypal Does anyone know what I should do now? Thanks for any advice you may have -
There are a lot of intricate details to this, so I am going to assume everybody is familiar with how the mobile banking app works independently and in relation with online banking on the website. I'm in a desperate situation. I have literally ZERO access to my online banking. My phone broke the other day so I'm borrowing one of my friends old ones, temporarily. I had an iPhone and this is an Android and thus I couldn't use iCloud to restore most of my information. Therein lies the issue. My old phone had all of my banking details on it. The only ones readily available to me are my account number, sort code and my cards. That being said, here's the situation: I am a student and need to start paying rent for my accommodation for September by the end of the month and so I need to set up a standing order. The HSBC mobile banking app crashes on this phone and therefore I have no access to my security code generator. This narrows my method of access to my account to answering security questions, using a password that I do not have access to, and my memorable word, which ironically, I do not remember. My memorable word is one of two options and I can't tell which it is. I tried accessing my accounts through memorable word + password and I couldn't remember my password. In the process. I am now locked out. The only method to access my accounts, therefore, is through customer service. Kid you not, as if this couldn't get any more complicated - after entering my sort code and account number in the phone, they asked for my DOB and now miraculously it does not match what is on their system (this has never happened before in the 4 years I've been banking with HSBC and this detail has never been changed). So: I can't use the app because it crashes My details are on iCloud and I do not currently have access to them, thereby meaning I cannot use Mobile Banking or Online Banking in Browser I urgently need to make a payment or I am literally screwed Everything that can go wrong has gone wrong, including alterations to my personal details which should never have happened That being said, the last solution is to go to my local branch and present myself in person. To gain access to my details and unblock myself from my online banking etc. That being said, what is the process like? Do I need anything other than my ID? Is there ANYTHING else I can do? My car is in for repairs on Saturday, and I'm working every day except Saturday - so I may not even be able to reach a branch before I go to Uni and inevitably end up being homeless HELP!
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Most days we see a number of complaints on CAG, where DVLA have not received notifications sent to them in the post. This leads to letters, court claims and sometimes bailiff visits. Can CAG please publicise what DVLA notifications can be done online, as it might save people having problems, after notifications e.g vehicles sold, get lost in the post. https://www.gov.uk/government/organisations/driver-and-vehicle-licensing-agency The link above confirms what can be done online. Personally, i would not send anything in the post to DVLA unless i had to and then i would keep a copy, plus get proof of posting at post office. Most people can access the internet, either at home or locally. Most libraries that are still open have free internet access.
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Do not buy Insurance online if you have had claims
unclebulgaria67 posted a topic in Motor Insurance
I have come across too many complaints about policies being cancelled, when claims have not been disclosed properly when buying Insurance online. The Insurers don't always check the CUE (claims & underwriting exchange) when you buy Insurance online. They then check the details you have disclosed against the CUE database, which is a central claims database used by Insurers. If the details don't match up the Insurers will come back either asking for extra money or to say they have cancelled the Insurance. If they cancel the Insurance, you may not get much notice of this. Insurers are supposed to issue a letter or sometimes email giving 7 days notice of cancellation. But sometimes this is not received or until after the 7 days. There is also the possibility that undeclared claims will not come to the Insurers attention, until you try to make a claim. If this happens, it could put you in a very difficult position. In some cases, the Insurers could void the policy from inception and not cover your claim. The advice is not to buy Insurance online, if you have any claims to declare. You can get some indicative quotes online putting the claims information you have in, but you should really phone companies to arrange the cover. Make sure you are giving accurate claims information and the Insurers are happy to arrange the cover. If you are in any doubt, about claims details, obtain them from your previous Insurers. They are sometimes listed on the renewal notices received. If in doubt speak to Insurers or a brokers. Do not arrange cover online, unless you are confident you have the accurate details to provide.
