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I've just read the thread about welcome finance having no money left to pay out on PPIicon claims, I had a very strange encounter with the FSCS today. I repaid my welcome loan off in February and then contacted the FSCS to put my claim in for missold PPI and other insurances (medicare etc). They sent a letter in march stating that I had to provide further information, which with the help of a friend who is a financial adviser resent the information required. I called the FSCS 2 weeks ago and was told my claim was being processed. I called them again today only to be told that my case had been closed as I had not provided the correct information??? The girl then proceeded to tell me that i would require a letter from Welcome finance stating that the insurance premiums were paid to Bright Finance, they have a copy of all my loan papers including the insurance breakdown and policy number (i never received any insurance documents from Welcome even when i requested a SAR several years ago). I contacted welcome finance today and they said i would have to lodge a PPI complaint with them and send £10 to get a SAR. now i am very confused as to what is actually going on.
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I was working self employed for a company. In December they stopped paying me, I sent them an email on the 10 January 2016 stating that I wouldn't be able to come into work as I hadn't been paid for 3 weeks and I needed to now look after my 2 year old as I was in arrears with the childminder,I did say that I could come in once it was sorted, they called me 20 minutes later and said they will be picking up the company car and all of there property. there's 4 outstanding invoices for £1000 still unpaid, I tried to resolve the matter with the company but there not replying. I have now put though a claim and just need advice on what to put in the detailed particulars and what evidence to enclose. Thank you. -
Hi all Got a letter from OPUS saying they were increasing my rate by 6% and using the reason "Pass Through Amounts" increase (PTI). Havent got a problem with that as we already pay the CCL etc so figured it was another one of those, however upon checking the bill there is no separate PTI stated, its just a set 6% increase on rates. I have checked the T&Cs and it states they can increase 2 ways. First, they can increase if the cost of the supply is more than the contracted rate. However this doesnt apply. Second, they can increase if due to a rise in the PT Amounts. However shouldnt PTA be separated on the invoice, ie like the CCL? To me it just looks like a rise for nothing? I have queried this again with them as my first dispute re this was before I got the invoice and then I was told it would be listed separately. Now I have the invoice I want proof this is a PTI. Anyone else had similar issues and am I right in challenging this? They have a clause stating that I can cancel my contract if they rise in breach of clause 8.1, ie if the cost of supply is more than the contract rate. Thx -
If you are looking for an energy supplier, you would be a fool to choose Npower. If you are with Npower, you would be a fool to stay with them. -
brought our caravan on finance through evergreen finance ltd in august 2014, have paid on time no problem every month, but its starting to get a bit much, as our situation has changed, my health has changed my benefits have changed yet and we are struggling. have spoken to evergreen and they say no way can they help other than to defer payment for up to three months then for the next three will have to pay double to catch up. they refuse to let us pay less and over a longer time saying you signed the agreement that's it. that if I want out of the agreement I will have to stop payments then they will write to me give me 16 days to pay then they will contact the courts as we will have paid over £12,000 (we paid £6,000 deposit) and have been paying £358.07 every month since august 2014 they say that they can repossess then we will have a poor credit rating, and you wont get any credit anywhere.... they also said that we could sell through the park but that the park would want to take a percentage so we would have to sell above the outstanding amount....but then we've still lost £11,000+ really don't want to give it up, any ideas about what we can do to get out of this situation, we have looked at refinancing but because we rent our house we are stuck, no one will take over the finance as we have no other collateral. we are at the end of our tether no knowing where to turn next, any advice will be gratefully accepted thanks in advance -
Hello folks, please can you advise me. I have helped an Indian lady complete her ESA50 Income Based Form as she was migrating from Incapacity Benefit around October last year (2015). She lives in a bungalow owned by her mother in law (the daughter in law has separated from her husband - the mother in law's son). The bungalow is owned outright by the mother in law - no mortgage. Now the mother in law, no joking is aged between 90-100 years, she is not in the best of health as you can imagine, she claims her pension and income based pension credit. She also lives at the same property but spends quite a few number of weeks at different family members houses as she needs 24 hour care. When I helped her daughter in law with the ESA50 migration, I completely forgot that she 'lives' with her mother in law, as the mother in law is hardly there. I have since discovered that the mother in law does claim Council Tax Benefit and has done for many years (before her daughter in law moved in with her around 4-5 years ago) and receives a 25% discount. This very elderly lady has alzheimers and does not speak English. The other day a card was posted through their letter box from the Revenues Department. The daughter in law's son asked me what it could be as neither his mother or grandmother claim Housing Benefit, but that his nan does claim Council Tax and gets 25% single person discount. I said it's probably due to the migration of the ESA50 and the 25% Council Tax discount. Can someone throw some light on how the Council will deal with this. The nan is very old, has alzheimers and stays for a few weeks at one relatives house, comes back home, then is cared for by her grandson and his wife together with her daughter in law, then she is taken to another relatives house. I did not give the Council Tax a thought when I helped her apply for her migration to ESA as I knew she was not claiming Housing Benefit, and I completely forgot about the elderly lady who only lives in the property part time. Will either of these ladies get into trouble and how do we go forward with this? Any help would be gratefully received.
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My friend and I were traveling to Crete Rethymon on the 21st of June 2015 with Jet2 from Glasgow airport. We were meant to return with them on the 28th of June 2015 to Glasgow airport. We bought 4 miniature bottles of vodka at duty free. When we were on our flight, my friend opened one of the miniature, one of the cabin crew said that we were not allowed to consume it on the flight. We apologised and handed the miniatures to the cabin crew to be locked away until we departed our flight. We were then asked if we would like drinks from the trolly, we ordered food and some alcoholic beverages. Another air stewardess came over to us with a bad attitude and handed us a rather threatening letter. She asked for our passport details. We then asked why we were asked for our details as we did not want to be put on some sort of data base. The air stewardess began to raise her voice, threatening us, that if we did not hand over our details she was going to get the pilot and that the police would be waiting for as when we land. We did not refuse to give our details, we simply asked what they were going to be used for. My friend asked her to lower her voice as it was drawing attention to us. We gave our details to another air stewardess who apologised for her colleagues behaviour, she also told us that we would be able to fly with Jet2 on our return flight and not to worry. (I have a voice recording of this conversation). Half way through our holiday on the 24th of June 2015, we received a phone call informing us that we were being refused to flu home with Jet2 due to a report which had been filed by cabin crew that we continued to drink our own alcohol and displayed aggressive behaviour. These allegations are untrue and frankly quite frightening that Jet2 staff can make up such lies leaving their customers stranded in a foreign country. I have sent numerous emails to Jet2 asking for the situation to be fully investigated and I have sent the voice recording as evidence that no aggressive behaviour was displayed by my friend and I. Jet2 just said that it has been fully investigated which we know that it has not. We feel that our voice has not been heard. We had to cut our holiday short by returning home on 27th June 2015 with EasyJet flying from Heraklion airport to Edinburgh which caused us further expense. We paid approx £400 for alternative flight, thats not including the expensive phone bill of £50 for phoning Jet2, bus and taxi expenses to travel to the airport, or having to cut our holiday short which also ruined our holiday. Lastly we both experienced much stress in regards to how we would get home. This has put me off flying again, as it appears that customers do not have any rights, and how easy it is for staff to make up lies leaving passengers in foreign countries. (I have a copy of all email correspondence, voice recording aboard the flight with a member of cabin crew, we also have a photo of the threatening letter which we received on board. Help would be much appreciated as we are looking for compensation, an apology, and for cabin crew to be dealt with appropriately in order for this to not happen to anyone else. -
Ebay has decided in its wisdom to allow a link through advert for Ocean Finance in every UK listing. In the name of making a small amount of money they have done something that will cause insult to every catholic and moslem customer by forcing each seller to display an advert for a company that under the doctrines held by both religious groups is promoting ursury and forbidden. As this covers more than half of the world's population I really hope they have thought this one through as I cant see the benefit of upsetting that many people and breaking the law in many countries from as near as Italy and as far away as Indonesia and South America. Well done thy good and faithful servant (Matt 25.21) -
On the 6th of November my son ordered a moped online from a company called thescooterbox.com. He received an email asking him to do a direct bank transfer to a Lloyds bank account. Unfortunately it did not occur to him that this was not a normal process when ordering goods online. He was then informed that delivery would be three to five working days. A week later he had still not received his order when he tried to contact the company there was nobody answering phone calls or responding to emails. Now the website is down and I feel that he has been [problem]med for a total of £650.00. I have logged this with the police fraud department and was wondering if there is anything else that can be done to try and get his money back. Any advice would be much appreciated. Regards Kim -
We had a quote for some wedding decor at a wedding by an events organiser. A formal quote of £2,000 was agreed and this was emailed to us. We agreed to this and sent a £300 non-refundable deposit by bank transfer. The organiser then decided to raise the agreed price to £3,000. We then requested that we weren't going ahead any more as the agreement had been broken. Initially the contact agreed to refund the deposit but is now refusing. We have made alternative arrangements and our argument is simple. She broke the original agreement by demanding a higher price after we had paid the deposit. She then agreed to refund the deposit. The agreement had ended. She is now saying that the agreement is still in place and she can either deliver what we want for £2,000 or not go ahead but the deposit is non-refundable. We say that the deposit is only non-refundable if we had broken the agreement. We are not using her as we have made alternative arrangements. All of these discussions are on text messages. I now want to send a formal letter before court action demanding that the deposit is refunded as our agreement ended when she raised the price after we paid it and later agreed to refund the deposit. One thing I'm not sure about is who I would claim against in the small claims court if it went that far. The events organisation isn't a company. Can we still issue the claim against the organisation or will I have to sue the individual we are dealing with (the payment was made to an account in her name)? If we have to target the individual can we use the business address as we obviously don't know her personal address? -
Hi, unfortunately my car door got caught by the wind and glanced off the car parked next to me (B&Q car park) At first look I could see no damage, and there was no paint exchanged, but the owner pointed out a 2 inch dent, when you stood back and looked from an angle. I asked if we could sort this, as my excess is £400, and it was agreed, I gave my address and mob number, and took some pictures. They got a quote for £350 + VAT from a garage, I asked for the details to be sent, and they turned up at my home with the quote. When i said it did not seem to equate to the damage done, they said we could go through the insurance. I found a company that would do the the work for £85 + VAT, messaged the details across, (not the cost) and they have said they are not prepared to do that and would be going to their insurers. Have now received a letter, from I assume their insurance company, stating they understand I was involved in an accident and can i call to confirm what happened and who was involved and they would be happy to take the details, and complete an accident report form for me. This is really stressing me out, as I keep expecting him to turn up at my home, and I have offered to sort it. Should I ring my insurers? Help please!!
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I received a claim form dated 12 Dec 2014 for in my opinion overdraft charges from HBOS plc I have studied the forum and acknowledged the claim on MCOL stating that I intend to defend, can you help me as I work my way through it Regards -
Hello, I'm a new user and would be grateful of any pointers with this. I have recently been receiving cards through my door from a company Called aps? I'm not expecting any deliveries and they won't leave the 'parcel' With anybody else. Is this some sort of bailiff? Has anybody had similar experiences? Thanks -
Hi. I am currently going through with a DRO (debt relief order) and it's taking longer than I would wish, plus the guy from Citz Advice is not really helping at all. I get back tonight and 2 letters. One is from Collectica, saying I now owe them £215, £140 of the remainder of the fine and £75 for their BS fees. I have been paying this weekly, missed a week here and there but generally up to date, it was for a motor fine with courts. This is not in the DRO as fines can not go in dro. However the 2nd letter is off CCS Collect. Saying I owe upto £300 for variou HMRC stuff. This fine is in DRO. They have 'threatened' with action if I do not pay them etc. They say 'our clent hmrc has authed us to recover full amount due. we regret that if no payment in 7 days or an offer to pay etc we will advice cliebnt to litigate amount due with court costs and court fees. This is in the DRO so what's going on? Can anyone shed light on these 2? I have been working in the library on new business ideas all day and the last thing I want to come home to is this ****! -
Hi, I'm hoping someone can shed some light on the method used by Sportsdirect to resolve a short delivery. Maybe I've been spoilt by some of the excellent customer service provided by just about every other company. I received my parcel, slightly later than stated, in a box that had been reboxed by the delivery company, Yodel. Upon opening it I found some items to be missing, totalling £11 on a £100+ order. As a family, we have had no problems until now. I emailed them with details of the missing items. I was then requested to take pictures of the box. I was then asked to fill in some sort of disclaimer form. I filled this in and was told I would have to print the form off and fill it out then post it before they would do anything. This all seems a bit much. And the fact the onus seems to be on the customer to prove they are almost telling the truth! Is this the way short deliveries are dealt with? I won't name the other companies I have dealt with and NEVER had any of this agro, purely because the list would be too long. Any help would be greatly appreciated Pauline PS, should have added I have emailed back to ask why it is such a convoluted procedure I have had what is obviously a generic reply probably generated by a bot. Absolutely abysmal, non existant (literally) customer service. -
Well have been with Hastings since 2011 prices started out at around £300 fully comp last quote was £600 changed to premium as it was a better deal think it was £480 for this year anyway paid because everything has been fine its the same car 2001 Peugeot 406 no claims no accidents 9yrs no claims etc... just don't want the hassle need insurance its a legal requirement (not a luxury) and when I'm told not to worry if anything happens you can depend on us to make your claim hassle free I trust that statement. Well 12/12/2014 at 19:40 somebody came off a side street on the right smashed into the side of me so hard that I was pushed into a passing car on my left we pulled to a side street and exchanged details the driver that hit me was with Hastings the lady to my right was with Zenith (she had just changed from (hasting that day to Zenith) everybody exchanged details went home. Called The 0844 number the next morning 22min later gave my details to somebody who did not have any way to check my policy number eventually told me that Hasting claims don't work on a weekend and all they did was log them and I would be contacted on Monday asked about a hire car put me on pause came back saying it was not possible as they cant give a response until Monday. that was a 1 hr conversation between 3 different departments. the scary thing about this is the fact they are ready to turn my car into a total write off it needs 2 new wings a headlamp and a bit of bumper trim and I'm good to go, the car is brilliant not going to find a replacement for what they will offer me. Its not right that Insurance companies should get away with leaving people out of pocket when making a claim Insurance is there so that innocent people are not left holding the cost of somebody else's liability. My shift starts 15/12/2014 at 7pm till 7am now I will have to spend the day time trying to organise transport to work (hopefully a hire car) 30 mile round trip as the car is driveable but the headlamps make it illegal to drive. After the response from Hastings and reading the post on the net I feel a dread of what's coming next from Hastings lets hope this is a successful story and not a sham insurance company, I will keep you up to date with this and I am already feeling that I should in the interest of other should take this to other bodies as they have sold me something that does not match up to what is advertised and clearly stated on my contract and that is 24 Hr support and advise help line, and by that I don't mean phone back on Monday as advise... the ball in your court Hasting make this a success Please. Oh and the Lady that took out Zenith insurance Phoned me said the other driver`s insurance company (Hasting) they were struggling to find him on the database and that she was about to receive her hire car within the hour, that I'm afraid says it all. some companies have the sense to get it right other don't know where to start.
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Hi, I just received a £100 charge notice (or £60 if I pay quickly) from a company called NPE for entering a small shopping centre car park through the wrong entrance (past a no entry sign). This is a shopping centre I have used for many years, but in the last couple of weeks, this company has started operating. I went back and checked the car park and can see two new No Entry signs (at lower level than they would be on a public highway), so you could argue I should have seen these. However, the sign containing details of the penalty is small text that is completely unreadable from a car. Anyone got any advice on how to handle this? Thanks, Richard [ATTACH=CONFIG]55267[/ATTACH][ATTACH=CONFIG]55268[/ATTACH][ATTACH=CONFIG]55269[/ATTACH] -
Hi again everyone, I wonder if someone could just clarify for me the PPi calculation. I have used all CAG site spraed sheets in every calculations to any bank. Now on this particular credit card the bank have been dragging their feet on payment to us. this is the first time I've had to go through the ombudsman and like in 98% of cases with Lloyds they have overturned the decision lloyds first made. My spread sheet i've noticed is laid out as compound interest of 15.9% on my spread sheet that i did 18 months + ago. Now I know that the interest rate for a claim is normally 8% over the term from when the account was firdt started. Can someone please just tell me which is the correct figure to use are lloyds trying it on again with me thinking that they may get me to accept the first re offer or do i go for the figure of 15.9% as per CAG compound interest and if so why and what do i say to Lloyds if it is the 15.9% figure I use. regards Nigel1804
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I received a criminal damage conviction 5 years ago and now I've just had a card through the door asking for pay payment in full, or to attend court this Tuesday 18th Nov. The card reads... Does anyone know if I'll be arrested as soon as I enter the court, and held in a cell for a specific court hearing, or if I can walk in court and pay the fine in full, then walk out a free man? I ask because I will have to make some important arrangements in anticipation of being held in custody. Any advice is appreciated p.s it's been more than 24 hours since i received the card... been 3 days actually. -
Can someone please help me? This morning my employer received a letter from Department of Work and Pensions stating they are seeking recovery of monies for me. They had a very old address I hadn't lived at in 4 years. So I call them and give them my reference, the lady at the end of the line, who is clearly miserable and hates her job tells me I owe 93.70 from Job seekers allowance. I have not claimed JSA since 2005 when I claimed for 2-3 months. (9 years ago!) But I know what this is about as soon as she says this. One day in 2005 when I went to sign on I was told the next sign on sate was a bank holiday, so I'd sign twice on that day and wouldn't go in during the bank holiday. Thinking nothing of it 2 YEARS later when I'm in employment in 2007 I receive a letter saying I owe £93.70. I speak to a range of different people and they tell me as I didn't actually sign on a date I should have (as it was a bank holiday) I had technically been overpaid and owe them. I refuse to pay on the grounds of I was just doing exactly what I was told to do, I was not paid any additional amount to what I usually pay. So I appeal. I don't hear anything more from it, until this letter today. Then I speak to this lady and she says I have no option to appeal despite it being 7 YEARS since I did and I've heard nothing from them until today. She said I have to pay the money within 10 days. What do I do? I really don't want to pay money I do not owe. I feel shocked that despite only signing on for a couple of months in my life and being a tax payer for the past 9 years I am having to deal with this! Many thanks
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if you happen to have a claim, they will use Davies Group Loss adjusters to rubbish your claim, appoint your own FREE LOSS ASSESSORS to assist you, WHEN we had water damage recently, they trawled through 5 years of Insurers cover, if we had made a claim or not been covered they would have rejected the claim - THEY DONT TELL YOU THIS WHEN YOU TAKE THE POLICY - WHAT A RIP OFF TO REJECT A CLAIM - ours is Valid as we had full cover and never claimed in 5 years - DAVIES GROUP BY BAD INSURERS AS LOSS ADJUSTERS TO RUBBISH VALID CLAIMS. CHECK YOUR POLICY AN DECLARE EVERYTHING, AS IF YOU HAVE A CLAIM THEY WILL DO EVERYTHING TO REJECT IT!!!!!!
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Can anyone provide advice on the thread title, please confirm and I will provide chapter and verse through private message to ensure I do not prejudice my case Many Thanks in advance
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As the title suggests, just hung up on a 50 minute wait to speak to them after moving house (as there is no reply via email or through the website...) and don't want to be charged £30 for "leaving" them, but this is the third aborted call bordering 1 hour. I found the CEO email on here so left them a nice email about how bad their service is. But has anyone actually got through to them? Do they ever answer?? -
I received a letter this morning from e.on saying, "The department for Work and Pensions may have let you know that you're eligible to get £140 towards your electricity as part of the Warm Home Discount scheme." Now, my wife is in receipt of and Pension and Pension Credit, but the letter is addressed to me as I am the e.on account holder. I find it all rather puzzling? I haven't signed on for Jobseakers Allowance for over a year. So it can't be aimed at me! I am just wondering if anyone else has received this and what their situation is/circumstances are? I am also wondering if this replaces the £200 winter fuel allowance?
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Hi all i found this forum through google so hopefully i am posting in the right area. I am claiming ESA and had an Atos assessment on June 6th. 25 minutes before my appointment, they rang me to cancel saying the doctor had a flat tire and couldn't make it. Fast forward to around July 12th (Not got the letter on hand), i received a letter asking me to explain my absence from my assessment on July 10th. I wrote back saying I have had no notification of an assessment on July 10th. A few weeks later, i receive another letter telling me my ESA has been stopped due to failure to attend my assessment. I rang up straight away to dispute this decision and a friendly gentleman arranged a callback for me at 3.30pm. The callback didn't come until Monday 10am which i missed (Today) I rang the number they left on a message and spoke to a woman. She was condescending to me throughout the call and was very deliberate in confirming and asking me "So you got that letter but not your appointment letter, can you think of a reason why? - I dont know if this is part of their training but i found it disgusting along with her tone and impatience throughout. She told me that it is being referred to mandatory consideration and could take up to 28 days. Is this the correct next step? I am absolutely stunned with the whole saga and am now extremely worried about the mandatory appeal. With the process taking up to 28 days, will i receive the ESA backdated if they overturn the decision? Thanks
