I rented a property in Aberdeen via Northwood Aberdeen and I want to share my experiences of when I left the property. I am not looking for any legal advice because I accepted the amount they kept even though it was totally unjustifiable and perhaps i was a little impatient but hey ho! I needed the money and they dragged it on for a whole month right until the end of the deadline from deposit protection. when I handed in my notice a full 2 months in advance (as per contract) they try keeping extra months rent (by saying I have to give notice from same date i moved in of current month) apparently they try this with other tenants as i read on a review site called allagents. is this even legal i mean 2 month notice means 2 month notice why does it have to be same date you moved in?. I eventually got a call when i disputed this and was told landlord said he wont charge (trying to pull a fast one i think, most certainly they would have pocketed this extra rent) Another way of conning ex tenant extra months rent despite given 2months to find another then of course they will get new tenant in by then. It didn't end there they always get you on minor things it's like they have a rule they have to get something out of you regardless. ..I was given a lengthy list of defects in the flat despite having a review and letters/emails saying thanks for keeping flat immaculate on regular inspections. I contested every last point some which were easier than others as had noted them in itinerary or emails. eventually they would just not listen and claimed on such a minor minor issue that it was laughable and of course they charged £40+ as part of the admin fee on top for arranging the work on such a minor issue (apparently) which i do not believe they would even carry out. I disagreed but as they dragged it on so much I simply agreed eventually to letting them keep a small amount just to get my deposit back (or most of it). I do not understand as I have heard from other people as well that they just like to keep something, maybe it pays for the staff coffee (I do not know) but this is totally unfair and was wondering if people could share there experiences on here. oh and they also troll the web and some how manage to remove bad comments about them on yell and other review sites so no doubt this one will also be hijacked by there fake accounts and removed. My dealings with them suggest they are dishonest when it comes to handling other peoples money, I feel for the landlords as during my tenancy on at least one occasion they sent out cow boy workmen who they referred to as "engineers" to fix a simple shower hose, they broke the rest of shower in process and when I informed them it took them a few weeks to put a new one as apparently they had to get permission of the landlord and no doubt put it on his bill. the issue here was not about the money, it was the principle and even though initially I was going to contest it all the way as I believe I had enough proof and photographs in the end the brain dead email replies I was getting just showed the letting manager had no intellect and I just gave in.

HI ALL,..what is the best figure to use TCR.. STANDING CHARGE ..KW RATE.....when you do a comparison..i have a pre payment meter and want to change but the figures are pretty confusing...cheers paul

Can anyone help on this one? We haver taken over a small business (fitness centre) this is in a larger building (a rugby club house) and is leased from them. The rent in 2008 was £10000 pa. We have half the first floor for an office, changing rooms, reception area, studio and gym, total area 350 sqm. The other half of the first floor belongs to the rugby club and has an office, reception area, changing rooms and a bar/conference centre/kitchen, total area 350 sqm Both premises were valued by the VOA in April 2014. We are valued at £16250, the other half of the first floor is valued at £7000. At first sight, this seems horribly iniquitous (as well as putting us at a major disadvantage relative to other local fitness centres) and I'm trying to work up to the formalities needed to contest this. But before I start, am I missing something obvious… is there a reason that I don't know about which will explain the discrepancy?

This is my story . I had a £16 a month sim only contract with tmobile for 2gb of data ,1000mins and unlimited text. My contract was due to end on October 28th. In september i got a bill from tmobile saying i had to pay about £158 for internet usage , which they promptly took by direct debit. With this incident I decided I would leave t-mobile > I called in to cancel my contract as i knew October was the last month, they refused to cancel and said I had to give them a months notice and since I was telling them to cancel in October , I will have to wait another month till November to cancel. I said fine and they gave me a date in November and sent me my PAC codes. I now signed up with another provider O2 and O2 advised that on November 12 they would transfer my t-mobile number to their network. today i received a bill from t-mobile charging me Over £3000 for internet use on the day I was transfered to O2. They are charging £7 per mb for 483mb which they claim was outside my 2gb allowance resulting to £3088. I was shaking. I called them and they said the internet was on the 12th of November the same day O2 transfered my number. I complained to them on the phone that this cannot be and complained. They said they will investigate in 3 to 2weeks. Meanwhile they plan to take the money from my account on the 30th. Now if they dont get the money they will default my credit rating. Please what can i do. I have a nagging feeling that this charge was to punish me for leaving them. I also read that the EU had capped the charge of internet charging on any phone in the EU to 50euros....£42 how come t-mobile if this bill was indeed true can charge me £3000. How come they did not inform me that the cost of out of allowance charges was £7 a mb. How come they did send an alert to say i have exceed my limit. I also read that the amount for data usage is about 0.20 euros...as stated by EU regulations. .how come tmobile is charging £7.....is this correct . I am worried that they will mess up my credit file if they dont get this money .. ...what can i do . ..i dont earn enough to pay that kind of money for anything. Should i take a loan to pay them to stop them messing up my credit file. Please some one help me. I cant sleep now....i have to go to work tomorrow and with this shock i cant

Every time we have tried to order goods on line the bank refuses to conclude the transaction saying they are looking after our money and will contact us later. Totally useless as everybody knows that on line lasts for so many seconds. Bank then does not contact us and can not explain the situation. Cards are OK when on the telephone when ordering. Anyone else suffering this ridiculous situation?

Hi, In March I took out 2 addition mobile phone contracts with Vodafone and as part of the agreement I would be able to share the data from my existing contract onto these new contracts, and this data share would just continue even after the upgrade on my existing contract that was due in May. (As written on the T&C's I signed) I therefore, arrange the upgrade on my original contract earlier this week and was assured again during the upgrade process the on the 42 per month iphone contract (1gb data) that I would be able to continue to share the data. Then after recieving the upgrade I was unable to access the internet on ANY contract, after numerous calls to vodafone I was then told that I had previously been given incorrect information and the as the 42 per month contract is not a RED contract I would not be able to share the data.. I was then told I would have to upgrade to the 47 per month contract (3gb data). So I went ahead with the upgrade and was assured that I would have the data sharer on the account. HOWEVER, I am still not able to access the internet on ANY phone. I have spoken to vodafone everyday since and after being passed from department to department each time I was told that there has been no data assigned to the account and that due to this the internet access has been barred. I was then told this had been resolved and I would be able to access the internet on all handset again. This works until midnight that night, at which point I receive a test message on all phones saying I have used all my data allocation and that I wont be able to access the internet until I buy more data - I have actully only used 88.60mbs of my 3gb allowance!!! This has happened everyday since my upgrade and everytime I call vodafone I get told the same thing.. Its fixed and you will be able to access the internet... That works until midnight everytime. I called vodafone again today and was told that they dont know what is causing the problem or how to fix this. Its apparent that vodafone can't honour the terms of the contract that was purchased but when I try to cancel the contracts I am told they will charge me the termination fee. How can I resolve this because I am not prepared to pay to cancel the contracts when this is a vodafone error that they cannot permanently fix... and I am not prepared to phone vodafone every day like I have done for the passed week. I am beyond annoyed now!! Update: I have now emailed vodafone using the link in the forum and received an auto reply with ref: 6880383

I paid my daughters car insurance premium last December because she was struggling. This week I noticed a payment on my bank account to the same company. I did not authorise this payment. My daughter is currently out of the country, and although that figure may be owed I thought it illegal for any company to retain card details. Am I correct in this belief? If so who do I take this illegal payment up with, my bank or directly with the company involved?

I have had far too many problems with carcraft.. the email below is sent to the cheif executive customer service and my finance company. (ignore grammar or spelling mistakes lol) Dear Noel and any other contact to have received this email. I am going to keep this email short but straight to the point. I will give you as much information for you to get the relevant information. I purchased an Alfa Romeo Mito from you in May 2012, registration of YE09 PXP, to which the tracking was not corrected when promises was made. The car had to come back to you pretty soon, for a week for the tracking to be fixed. I took the car and the repair had not been done. So I took it back to Carcraft in Leeds which they took a look and tried to repair the tracking again. They failed. I was having to call your showroom umpteen times in a week regarding the problem and it could never be fixed. It came to the MOT resulting in the car failing because of a track rod being broke and having excessive wear. This was fixed and passed the MOT but the tracking was not. The cars electrics then started to fail, the windows would not drop properly causing the door not to shut. The windows would drop down and not close at all. Not only that, a extremely loud noise was coming from the engine every time I accelerated. Your service department could not even fix that problem. All they did was oiled the windows up and hoped for the best. Bearing in mind that at least EVERY 4 weeks I was having to change the passenger side tyres because of the tracking. After many of phone calls to your head office, showroom, service department and my finance company, they all agreed that I could rather have a full refund on the payments I had made so far or choose another car. I gave you all the benefit of the doubt and just put it down to the car being faulty. So in July 2013, I changed to a Mini Cooper, registration of DA59 PYZ. Since having this car I have been a happy customer and really liked the car I took. I understand that Carcraft have a certain warranty which I took being the 'Drive Happy Package' meaning that I had to have the car serviced within the first 6 months or 6,000 miles. I booked the Mini in and it had its service which came back fine apart from them having to take the car back as they had massed around with the computer causing the advisory gear change to disappear. Now around three weeks ago the service light came up on the Mini. So I booked the car in on Tuesday the 28th January 2014 to have the light turned off. This was fine, again apart from the advisory gear change disappearing. The following week and half, a light bulb warning light appears on my dash board warning me that a bulb has gone out. I checked all the bulbs, wires and even replaced them. This was not the problem as the light was on everytime I started up the car. The service light has come on again advising me that a service is due in so many miles. So I had booked the car to go back in for the service light to be switched back off and the light bulb warning light to be checked tomorrow 12/02/2014 at 15:30pm. As I collected my partner from work last night 10/02/2014, a RED warning light appeared on the screen along with a picture of my mini on ramps advising me that I need to pull over ASAP and get urgent help. I looked at the book for the car and it explains that it is the electronics of the car have failed and not to drive the car. I am sure if you take a look back at all the notes of my previous car the amount of times I have been back and forth for the car to be fixed, this is the VERY last thing that I need having a new car from you. I called your head office and spoke to a very unpleasant, unprofessional, arrogant man. He would not have my car booked in earlier tomorrow nor would he let me explain anything without him butting in and being arrogant with me. I asked to speak to meghan as she is the one I have dealt with through out the appalling service I have received and still receiving. I was told that I was not allowed to speak to her until I have spoken to this man. In the end, my car is booked in tomorrow at half past eight in the morning and I would receive a phone call from Meghan. In the meantime, I was on the phone to my finance company explaining what has gone on in the past and what is still happening. They have advised me that I should ask you and your finance department to get the ball rolling in regards to a full refund. I had to call back up five hours later to speak to Meghan to which she was so upset for me knowing what I have been though with the previous car. I have explained to her that I am not going through all of this again and that I am wanting to go for the full refund option. I am to await the outcome tomorrow for the car to then decide what to do. I just want to make you aware that having this problem now happen to me on my second car, that I am not a very happy or satisfied customer. The goods are faulty which are within your 12 Month guarantee. I have also been in contact again with trading standards and they are going to look further into your company to resolve the sale of faulty goods. They have also advised me to spend under £100 to take you to the small claims court to get the full refund back. You are the last resort and I want this sorting. Along with some form of compensation having all the troubles I have had with the cars from your company and your company in general. I am extremely in utter disgust at the whole situation and I am wanting the full refund along with a good compensation. I expect a reply back from you by the end of tomorrow 12/02/1014 with a resolution to the problems I have had. I have also sent this to Carcraft Customer Services along with my finance team (Hayley Boyes and Charlotte) SINCE THEN... I rang the RAC out to come tow the car to carcraft as I did not want to risk driving it on the motorway to carcraft. Although being advised by meghan at head office if the car seems ok to drive then theres no need to tow it, just dont use it excessively. RAC got in contact with carcraft which they told the mechanic not to tow the car, just to find out the problem and fix it on the road side. Which i was NOT impressed with!! So i had to drive a faulty car, not known to me nor any other driver on the road what could of happened if the electrics had failed whilst driving at a high speed constant flowing pace. I arrived at carcraft in leeds and asked to speak to the manager. I got the service manager. So I had a rant with him telling him I am not happy that I am having to come again because of another fault on another car, to which i gave them the benefit of the doubt previously by taking the new car. I then walked into the showroom and I had it out with the manager, who was very rude, arrogant and unhelpful. I WARN YOU ALL.. DO NOT EVER GET A CAR FROM CARCRAFT!!! AS SOON AS I RECEIVE MY FULL REFUND I WILL NOT BE SETTING FOOT IN THAT PLACE AGAIN!!!! I WILL BE SEEKING LEGAL ADVICE AS I HAVE ALREADY HAD THE SAY SO FROM TRADING STANDARDS AND THE HIGH COURT THAT THIS CLAIM WILL PASS WITH FLYING COLOURS..

Hi, Was told by JC adviser that the JC is no longer giving the books out. So have to use Universal Jobmatch to apply for jobs and record all job search activities. Also have to tick the box to give them permission for access. To be honest, only applied for some jobs in the very first few weeks there and then kinda abandoned it since then. Found it very difficult to use, and sometimes there was no apply button on the website for you to apply for jobs. Also sometimes cannot even login to the website like today where errors appeared when trying to login to the account. The jobs there mostly come from a third party websites like cv library, monster where already have an account. In general just go on to these job hunting websites straight away as they are already signed in on the computer and the mobile phone. First, just would like to know if it is alright to use the website to record job search activities only, or have to use the website everyday to actually apply for jobs. Second, it is alright to just enter all job search activities on the day prior the signing on day? Sometimes have two interviews on the same day and only applying for jobs on the phone, after finishing those interviews and got home just want to have some good sleep. Third, will the information stores on the website like your CVs, personal information etc be there forever? Thanks.

Having browed around a bit and found the following Quote it just goes to sho as of 06/04/2014 bailiffs MUST now apply to gain a forced entry, this we have known for years, now it's in writing the bailiff will no longer be able to "threaten" forced entry but MUST have permission first see the quote below this quote was taken from here https://www.gov.uk/government/news/bailiffs-getting-ready-for-tough-new-regime From my understanding the Bailiff will not have the power to force entry and should now not "threaten" the use of a locksmith, how many more complaints will come if they do and if the do what recourse will the debtor have, what with the "stress" of the threat causing mental harm, the words "bully" come to mind and if I remember my law correctly it is ILLEGAL to bully someone or make words spoken or action taken if it causes harm,alarm or distress to ANYONE that witnesses this? you thoughts please again sorry for the long post , if you follow my train of thought you will see where I am going with this? Please read my other post to start to see the whole picture on this matter it is here http://www.consumeractiongroup.co.uk/forum/showthread.php?416534-Vulnerable-household-vs.-Vulnerable-adult(1-Viewing)-nbsp further reading that is a must with this post can be found here courtesy of tomtubby http://www.consumeractiongroup.co.uk/forum/showthread.php?414547-The-Taking-Control-of-Goods-(Fees)-Regulations-2014-released-today.(1-Viewing)-nbsp and http://www.consumeractiongroup.co.uk/forum/showthread.php?412530-Council-Tax-arrears...should-you-let-a-bailiff-into-your-home GOV.UK Search Search Menu Departments Topics Worldwide How government works Get involved Policies Publications Consultations Statistics Announcements GOV.UK uses cookies to make the site simpler. Find out more about cookies Tell us what you think of GOV.UK No thanks Take the 3 minute survey This will open a short survey on another website News story Bailiffs getting ready for tough new regime Organisation:Ministry of Justice Page history:Published 29 January 2014 Bailiffs and councils must make sure debts are collected in a fair and responsible way, Justice Minister Lord Faulks said today. Speaking just weeks before new laws on rogue bailiff behaviour take effect, Lord Faulks addressed the Civil Enforcement Association conference in London today, speaking to an audience of more than 300 representatives of local authorities and bailiffs companies. Major reforms to the rules for bailiffs will take effect in April, banning them from heavy-handed behaviour but also making sure they can still collect debts fairly. Lord Faulks told the audience they would be key to ensuring that the people of England and Wales have the fair and effective enforcement system they deserved – and urged them to rise to the challenge. Speaking after the conference, Lord Faulks said: ‘There are some very good, reputable bailiffs around, but we know there is bad practice out there that needs to be dealt with. ‘A small minority of bailiffs have been allowed to give the industry a bad name. ‘These laws will help to clean up the industry and ensure bailiffs play by the rules. They will also make sure businesses and public bodies can collect their debts fairly.’ The changes will put in place new mandatory training and certification requirements for bailiffs, and simplify the fees that they are allowed to charge for their services. They will also impose rules on how and when bailiffs can pursue debts, including: Stopping bailiffs entering homes when only children are present. Banning bailiffs from visiting debtors at night – they will only be allowed to enter between 6am and 9pm. Banning landlords from using bailiffs to seize property for residential rent arrears without going to court. Preventing bailiffs from taking household items, such as a cooker, microwave, refrigerator or washing machine, because they are deemed to be reasonably required to satisfy the basic domestic needs of the debtor. Ensuring a notice period of seven days is given to the debtor before bailiffs take control of the debtor’s goods. Banning bailiffs from selling goods removed from a debtor, unless seven days have passed from the date the goods were removed. Making bailiffs responsible for proving to a court that there are, or likely to be, goods of the debtor on the premises before being granted the power to use reasonable force to gain entry. Before a warrant is granted, bailiffs must give the court information on the likely means of entry, the amount of force required and how the premises will be left in a secure state afterwards. So all in all the best advise anyone will give is as follows, especially when these new rules come in to force from 06/04/2014 is as follows. 1. If you miss just one payment ring the creditor 2. If you miss just one fine payment call the Fines department of your local Court. 3. If you do call any creditor make sure you record the conversation. 4. Always insist you deal with your creditors in writing only. 5. A DCA is NOT a bailiff and as such has no powers. 6. Check out your credit file monthly from now on so you can see all adverse entries and deal with them straight away 7. Never let a bailiff into your home because it will cost you in the long run. 8 If you are on benefits now is the best time to run the "benefits Advisor widget" to see if you are getting all you are entitled too. 9. Claim those that you are allowed to, and always inform the relevant claims departments of ANY changes to your circumstances, as these rule are now being applied. MM

Hi I want to apply for a mortgage and I have had payday loans in past But they only show up on call credit and not experian or equifax. I hear that nationwide only use experian so if they only use one bureau and payday loans Don't show up then they can't effect my chances can they?? Can anyone help me with any facts on this situation?

Any idea if Halifax Use Callcredit for the search on a mortgage. Cheers HAK

Hi All, I am looking for a speedy resolution with my creditors and sending letters back and forth is taking far too long. Can I use email to contact them ... It keeps a chain of communication. Is there anything I should be aware of when using email to contact them? Thanks

I am looking to sue someone [soletrader]. His website [where I found him originally] still gives a business address which I know to be no longer in use. I think I have his home address. So here's the question..... Should I issue court papers to the 'advertised known address' which will mean I will 100% be awarded judgement by default, and then seek to enforce the judgement against him wherever I can find him??? Or is the above strategy likely to be a waste since he may well claim 'never received the papers', which could [if successful] reset the whole process to the start?? In which case I need to confirm his home address and serve them there??

hi i was pulled for using phone whilst driving, i went to pay fine at court and was told i cannot pay fine as police officer had not correctly filled in ticket, she had not put 3 points next to fine amount, court clerk took photo copy of my ticket and said he will contact police and if i dont hear from them within 4 weeks i was to contact police. where do i stand is ticket invalid and can i escape prosecution. incident happened in scotland. thanks for any info .jim

there are free ones such as : StepChange - NOTE : - We understand that StepChange is supported by the Financial Industry. Payplan National Debt Line. dx

I was the user bsdakunar selling really just a few items on ebay that i thought i woukd sell there brgore launching them on my old site. All seemed fine. The items would sell no troublrs at all. I had a perfect feedback score and never a problem apart from having to abide by 25item ot $1250 usd per month limits. Then the first blow. I recieved a 21day hold on my funds. I was ****ed but thought i would kick on. I then recieved an email saying i need a 25 good feedback from 25 US citizens by the end of my initial 90days of being with ebay. This was clearly something put in place to keep my selling that is outside of the US tame. I played along and found i was going to make that happen easily. Then the final blow. My account was suspended indefinatley with no case for appeal. What the !@#$.... Ebay wont give me a reason but did eventually hint that my buisness model doesnt suit them and im a threat to the ebay community meaning a threat to the power sellers in the US. Apparantley someone i hadnt sold to had complained that if i sell they couldnt to put it simply and this was enough to get me suspended. I manufacturer, buy and sell motorcycle parts out of Thailand. The parts i make and sell are for Thai made motorcycles ONLY. These bikes are now available in the US so some of the struggling to keep up their lavish lifestyle sellers got worried and complained it seems. I dont need ebay and thought i would be helping them as its not garbage that im selling and im not a fraudulent seller. What ****es me off is that the items i was making which are the only in the world that i was selling are still found in search engines leading people to buy inferior chinese all be it listed US alternatives. As a buyer and seller on ebay i can tell the people contemplating it not to bother. Only two items i ever got from ebay that was what i paid for was from a seller in hongkong and china even though i had been ripped off in both these locations also but when i pay just over $1000 for an item in the US i expect to get what i pay for. Nope, not possible! I never complain and can fix just about anything. Im a good honest person selling as my source of income. Selling on ebay was a mistake. Its corrupt, fraudulent, criminal in everyway and border line a human rights abuse. I have been hung up on when calling, never recieved a written email with fake names listed in them. The next problem is when they suspended my account 2 people had just purchased. The account was shut as soon as i paid the seller fees on that. I was then forced to refund the buyers with paypal and return the shipping of one item to avoid being further ripped off because i have no means of appeal if the buyer claims there is a problem. Because they shut down my account in the midst of sales those seller fees should be returned to me. They clearly stated they wont refund because my account has been suspended. What...? Like that is my fault! Is ebay going broke? are they trying to have a US ebay only? Are they trying to only have big retail chains onboard from the US with similar things to happen in the UK? I feel i have been pursecuted for geographical reasons and the reasons that i have the ability to knock the top sellers off ebay if given a chance but due to my location its just not allowed. This is bad for consumers. They now need to buy hugely marked up Garbage only! The head of ebay is a consultant on many US econmic issues i read. God help the US! The US has been a role model for my lifetime but allowing ebay to steal from people like in this case and the many hundreds of thousands more as seen online is criminal. I have contacted consumer affairs in the US and locally and am going to continue the fight. I hope no one else has to be treated the way i have. A little human compasion wouldnt be too much to ask. Im not one to want sympathy only fairness. I mentioned that i am undergoing life saving therapy at the moment which sadly has failed twice previously and that this cost me $2000 USD a week. Because of the 21day holds in place and then suspension it got me a little worried as i wasnt prepared financially. Ebay didnt care to listen. So not only do they like to punish people by wrongfully shutting accounts but then laugh when i tell them my life is in danger. My warning is dont buy or sell on ebay. They dont protect sellers. Its a lie to make you feel comfortable to spend but you will be ripped off. For sellers just dont bother. They only want big US chains on board in the future. Its there only way to sweep the damage under the carpet.

hi, im having some issues with my previous landlord i moved out the end of april and still have not received my deposit back. they have advised because they live out of the uk they do not need to use a tenancy deposit scheme however on research i have found that does not matter. i am being blamed for alot of damage that was present in the property when i moved in. can i make a claim at small claims however id they live abroad? do i need to give them so much notice also? since i mentioned the deposit scheme they have went silent but before i advise i will be raising a small claims case i need to make sure i can take them there due to there location. i was gonna send an email stating please take this as 14 days notice. if the issue surrounding the deposit is not resolved then i will be taking the case to small claims where i will pursue the maximum compensation for non use of upto 3 times the deposit amount and legal costs. they also wanted me to call then and stated im not giving a gd enough reason as to not want them to call but i refused and stated email only so i have a paprr trail of all communication. its been nearly 3 weeks is there any timeframe on how long they have to return my deposit? all helps appreciated.

my employers forgot to use cctv evidence at the investigation hearing against me, can they use it at the disciplinary hearing. i have had all their evidence and it does not say they have any new evidence.

Hello, Parcel2go one more CRAP company. I had used them for some time. Arranged collection with Parcel2Go/Yodel P2G15117143 was 24 hour service! Pay the premium for this! The parcel didn't show next day. I contacted them directly and all they were saying to me in their live help (=NO HELP they should call it), was "give us your email and we contact you in 24-48 hours". NOT A SINGLE email! Eventually 12 days later and still missing they said sorry its lost. Had they had done something from the very first day the parcel was missing (was loaded to a wrong Van), it would had been found! Big box, 20 kilos? How one can loose it when it was also scanned initially in their Keighley Service center? Yodel and Parcel2go avoid! Typically they offering 20 pounds the parcel was worth 100! As it was a 24 hour service top of the range, inside the mainland UK, a quite big and heavy parcel there was no reason to think they will loose it. Otherwise i would had taken insurance. My point here is that the company is crap. All they want is more orders, they have no will to help in case something goes wrong! Emails they can't solve all the issues they need to pick up the phone on the spot and contact the couriers IMMEDIATELY! Parcel2go cheap but not helpful at all! What it works with them its ok but if something goes wrong just forget your parcel. Yodel, very competitive rates for 24 hour services but completely un professional. Scanned in Keighley service center and then lost? How it is possible? Which Van was loaded? All these parcel are scanned! I hope sharing my nightmare experience will save some others from having it. Kind Regards,

Hi Is there an eg ombudsman I can escalate my PC Know How complaitn to? I had issues with them lasting over 60 days They have sent my private data off to the wrong address and still not sent it through despite repeated reassurances They did not reply to all of the things I put in my complaint letter which is unacceptable as well as totally infuriating thank you

Long time no see My son got involved with these damned payday loans & we are now trying to sort it all out. He has written to all the companies cancelling the CPA & requesting their bank details so that he can pay by SO. He has opened a parachute account into which his wages will be going so at least they can't dip in whenever they wish. He went to his Lloyds bank branch & they were spectacularly unhelpful but he did at least succeed in getting them to agree to report his debit card as lost. It concerns me though that surely his new card will still be linked to his old card & that these companies still will have his bank account number & sort code. Can they still help themselves in the meantime ? He needs to send the CPA cancellation to Lloyds but which address should he use ?

I read that they are legal but does anyone use one in the UK? Do they work? What is the Polices response when they see one in your car? Do they work against temporary speed cameras? Can anyone recommend one?

Hi, My first post. I'm trying to help my son get his finances sorted out. Besides the fact that he needs to become much better at managing his money I think he has valid claims for the following:- 1. PPI mis-selling on two personal loans 2. PPi mis-selling on a Credit Card. 2. Overlimit charges on a Credit Card 3. Bank overdraft charges Problem is which do I tackle first? What Subject Access Requests do I need to send. All of the above potential claims relate to the same bank. Will one SAR cover all of them. How do we obtain copies of loan agreements and PPI policy documents and the T&C's for the Credit Card (searched the internet without luck) Called in the Bank yesterday, they couldn't provide the full Credit Card T&C's for their current Credit Card. A few pointers in the right direction would be appreciated. Thanks

Hi, I was wondering if anyone knows the course of action I can take against Viagogo. I purchased concert tickets for my kids and myself to attend. I choose to buy Pitt tickets and nowhere on the site or the seller posting did it indicate that the tickets were for 16 years and older. I received the tickets and clearly stated on the tickets is the age limit. I contacted Viagogo and the customer service rep (using the term very loosely) indicated it is not their responsibility, they are just the middle man. So clearly, Viagogo can take the money for selling the tickets but they do not want to bear any responsibility for the seller not giving clear information to sell the tickets. Comically, Viagogo have suggested to re-sell the tickets, which I promptly replied, I would NEVER use their services again. Any suggestions of what I can do, I overpaid for tickets that I CANNOT use! HELP!!!!!