Can someone kindly advise how to calculate possible PPI reclaim amount ? I have calculated my monthly PPI interest amount figure using forum details located in which I have already paid over120 months but still have 60 months to expiry. Any assistance would be appreciated as I would like to know a possible figure in order to compare with Welcome's offer if successful.

Hi, I've been with Brightside Car Insurance for last two years, however my auto renewal wasn't a great price but I was away working and I totally forgot to cancel in time & it was renewed. Luckily I got back within the 14 day cooling off period and called to cancel and asked how much I would be refunded from the first monthly payment taken via Direct Debit (£60)..I realised I would be charged the £25 cancellation fee & for number of days cover provided. The advisor said he could only cancel the policy and was unable to confirm the refund amount & I would have to call back once it was cancelled (the following day) altho he estimated approx £20 ish. However I called today and I was advised that I would actually owe them more money?... I was baffled and asked how & he explained that they as brokers charge a £25 admin fee and also my actual insurance company charge £25 also... I've never come across that before to be honest in the many years I've been driving?? The policy was auto renewed on the 11th January upon which they took payment of £60 the policy was cancelled on the 21st January. I have complained to Brightside & the advisor has arranged a manager to call me back (as no one was available at the time)..altho I'm not holding my breath as Brightside customer service is terrible if I'm honest..long, long waiting to be answered and the usual "robot approach" staff. Thankfully I didn't have to call them often but I was determined upon renewal I was leaving them (just a pity I didn't realise before it auto renewed) I've requested for Brightside to waive "one" of these charges as I really think it's ridiculous. Upon cancellation on the first call I was told I would be charged £25 cancellation & the days cover was provided ..nothing about the other cancellation charge? Has anyone else had a similar situation with two charges? Any help or advice appreciated.

hi there, I need some advice as I am now going out of my mind. On Thursday 14th January 2016 I took out a contract with Vodafone pay monthly for an iPhone 6s in Rose Gold 16gb I received an order acknowledgement but no further information. I then called on 15th January 2016 to find out what was going on with the order. After being passed around at least 6 different departments and often without being told and just being put on hold I got through to a very helpful sales advisor. This advisor took it upon himself to cancel my original order placed on the 14th and place a new order with himself which was a much higher tariff and quoted exclusive of VAT. He also took £29 for the phone cost upfront and £9.95 for it to be delivered the next day before 1pm. I was promised a text message and email of this order in the morning for delivery which NEVER arrived. Neither did an email confirmation of the order. On Saturday 16th 2016 by 10am I had not received any email nor any text. Thinking this suspicious I called Vodafone to find out where the order was. I was hung up on 4 times, passed to 3 different departments and in the end my husband had to talk to them as I couldn't handle the stress ( I suffer from a depressive illness and anxiety disorder). I broke down in tears from the stress of it all. I was shown no empathy, no friendliness nothing over the phone. Just spoken to like I was an inconvenience My husband was told by their customer service person (as not one of them will give their names willingly) that the phone would not be here until the Saturday 23rd January 2016. She was adamant and all we could do is take her word for it, as she was at least the 7th advisor we had spoken to and despite having paid £9.95 for the next day delivery. That same customer service agent advised to go into a shop and sort out the contract there as it had already passed credit checks. My husband told her not to cancel the contract in case we weren't able to get it sorted in the store to which she agreed over the phone. I was listening to the whole conversation on loud speaker. Being the gullible/trusting people we are we went to the Vodafone Store to get this contract sorted out. They looked into the order to discover the last advisor who promised they were going to leave the account alone had taken it upon herself to cancel the contract, which she had promised she would not do. So the store set up a new contract for the iPhone 6s in Rose Gold, 64gb. I was also told I would need to pay £69 up front for this phone also. At this point in time Vodafone had taken £136.95 whether in debits or reserve payments. Just to get this contract sorted out I conceded even though that is a lot of money. All was fine until we got home after having to drive 30 minutes back from the most local Store and then a knock on the door came. It was the first mobile, iPhone 6s in Rose Gold 16gb. The very phone that we were told would not be delivered until the following Saturday and which the advisor had cancelled . This arrived at 3.38pm. So I was charged for £9.95 next day delivery before 1pm via Royal Mail which ended up with a cheaper courier not wearing a Royal Mail uniform. On both occasions I was misled by the tariff with the advisor's so I decided to cancel the contracts and instead use the business tariff. Since that day I have been on the phone countless number of times trying to cancel both these contracts within the 14 days cooling off period and return the phones for a full refund of the upfront costs. This has proved stressful, difficult and impossible. The first phone that arrived through the post has been returned and received but has still not been refunded. I am having to take time out of my business to get this sorted out and it's not forthcoming. The other phone that I purchased from the shop has proved near impossible. I tried to return it to the shop but they wouldn't accept it as the customer service team had already cancelled it. To this day I have not received the returns bag and have called every few days to chase a new one. I am always told it will arrive but has not till this day. I'm now out of the cooling off period and received a letter dated 4th Feb stating I now owe over £800 as am out of my cooling off period. The line was cancelled over the telephone well before 21st January and by recorded letter which I have proof of. I have also kept every online chat with service advisor's. I have tried numerous attempts to get through to a resolution or complaints team only to be told they don't exist. Their very own website points you back at customer services - no dedicated complaints service. Today I asked for a deadlock letter so I could see resolution through the ombudsman quicker to be told I couldn't have one as the resolution team have not dealt with it. So I asked to be put through to them. I was told that no I couldn't be as their is a process. I asked what their process was to be told they couldn't deal with it. WTF?!!? I'm at the point where it is now affecting my mental health. I get extremely stressed and anxious at the thought of contacting them to only suffer the same treatment each time. What can I do? I haven't received a refund for the first phone and the second phone has still not been returned due to not receiving the returns bag. Even when that is returned the process for getting my money back is really going to affect my health. I have filed a complaint with the trading standards team but too early for the Ombudsman to get involved (shy of 4 weeks). I have never in my life experienced anything like this. I just want these phone lines cancelled and my up front costs return with no further hassle. Why is it so hard? Any advice would be greatly appreciate, this is the worst experience of customer services I have ever experienced and I will be moving my business mobiles as soon as the contracts on them run out. Jody

I ordered a Smeg minibar fridge from a company called Capital Cooling. Service was great prior to ordering. Then it plummeted. The Smeg fridge had manufacturing defects. The ice tray section was not level so useless if you want ice. Also, the manual said it was 32L but the advertising said it was 40L. I contacted Capital Cooling, who then got in touch with Smeg. Smeg said it was a misprint. I assume all the other documentation saying 32L was a misprint too. Its been 2 weeks and they still have not collected the faulty fridge for replacement. I have contacted both Smeg and Capital Cooling. The latter said they are waiting for a reply from Smeg. Smeg said they contacted Capital Cooling a week ago. Each blaming one another. Smeg did the delivery, FYI. If they don't collect it after a certain amount of time, do I get to keep it and still get a refund? Its a constant source or irritation, taking up space. Thanks, Jon

Hi everyone, i have recently just purchased (16/11/2015) a 60 plate BMW 318d from a car supermarket. Unfortunately I was also sold auto protect gold warranty, i was sceptical at first and in hindsight after reading some of the horror stories regarding this company, it is something i shouldn't have purchased. Both the car and the warranty were purchased on finance, through 2 separate lenders. The dealership gave me the hard sale, and mentioned that virtually everything is covered, he also added that as the warranty was being purchased with the vehicle, that would in turn reduce the monthly cost of the car by around £30, i thought this was a bit odd. The cost of the cover worked out to be around £70P/M so this would in theory work out to an extra £40 per month (on top of the price of financing the car) to have the "Piece of mind of this fantastic cover" , and after forking out a lot on my previous motor, decided that this may be a worthwhile investment. I have received the paperwork from Santander for the credit amount that has been sent to APA/Auto protect, and in there it says i have the right to cancel this within 14 days no questions asked, perfect i thought, no problem. HOWEVER I have studied the paperwork from APA (Something i deeply regret not doing at the car shop). In these T&C's it states under Cancelation; "Should you cancel this agreement, there is no surrender value and no monies paid will be refunded":evil: Is that right?! Can they do that? Or have they just failed to mention that you are entitled to cancel with a refund within 14 days? I was under the impression that i could cancel this within 14 Days? AT NO POINT did he mention the cancellation rights? Can i use that to my advantage if he hides behind the "no monies... refunded" line... I'm just trying to seek all the advice i can before calling the car shop, as i can be more prepared. Details are; Car: cash price £8,995. With interest 20.7% over 60/M £232 Gold warranty over three years including interest!: £76.87 (£2,767 in total with interest, covering 9K! worth of repairs (yeah right!!) Also after reading the other stories from people, i realize the price of this warranty is far too much. But i was foolish and rushed through the paperwork part, being too eager to get my new motor. If anyone has any advice, it would be greatly appreciated. Thanks

Hi all Bought a high spec handset in a contract from Mobiles.co.uk. I paid an upfront contribution for the handset. Had it for three days and quite honestly the battery is appalling. Ive done everything i can to limit battery use but even running in power save mode constantly is not helping and im not getting the use out of it that ot was designed for. I use all features of my phones but am having to avoid using this one. As this was a distance sale and i had no chance to test the handset, am i able to return it irrespective of the fact its been used? I must make it clear i have emailed them tonight and am awaiting their reply so am just trying to get an idea of my legal position. They have done nothing at all to upset me so far and i want to stress that! My gripe is with the handset only at this point. Can anyone advise on my rights? Many thanks

I went through for a drink there, and the temperature display for the fridge is showing 14C, although the freezer is still fine. Its one of these big side by side things, frost free and made by Samsung, with a drinks dispenser (at a push big enough for 3 bodies! . I am in Glasgow just now, but will be away from tomorrow afternoon, then back again about the weekend or perhaps a bit earlier. There is close to little food in either side as there is a take-away within a five minute walk, so I can just kill what's in it and unplug it. Can anyone recommend someone for repairing Sumsung FFs in Glasgow (preferably who can be very specific about the time they will arrive)?