Bayv - £770 in arrears? - **VIEWING GURANTEE + ALL INSURANCES + COMP REfunded WON through FOS**

[scottay2hottay]

So it looks like I'm getting a refund for the viewing guarantee but not for EPS or "all sorted".

I am unable to find my home insurance documents for the periods that bayv are asking for as I was with a different company, quote line direct I think, so I dont think Im going to get a refund for EPS unless I find these documents.

[scottay2hottay]

I just noticed that I forgot to upload the second page of elaines first response. I just edited that post as well. God I'm rubbish at this!

[scottay2hottay]

I had a refund for my "viewing guarantee" today. But it doesn't look like bayv is going to budge over the "all sorted" guarantee. It was a totally unnecessary add on considering the items already had warranty.

[scottay2hottay]

Hi, thank you for your very useful templates.

 

In regards to the harassment and threat of a door step visit,

 

I just received a letter from buy as you view and it states that

" a creditor is in a different position to the postman or a member of public asking for directions."

 

And that " it would be deemed reasonable to visit my property

after all means to contact you by your preferred method of contact have failed."

 

I have specifically told them that my preferred method of contact was via email,

so why the heck are they trying to come to my house and why do they keep phoning me?

 

Ive cancelled my direct debit with bay because they charged me for things that I wasn't aware of

and didn't agree to.

 

They have failed to produce certain information from my subject access request

( which I believe is against the law) and

they have " lost" the recordings in which they claim that I specifically asked for these ridiculous insurances

( all sorted, EPS and viewing guarantees).

 

Also if you are concerned about them visiting your home, would you like to know how to make them stop?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387366-Harassment-amp-Threat-of-Doorstep-Visit-%28update-21.04.2014%29

 

You might want to add into the letter somewhere about your anxiety condition. That way if they continue to harass you at home you have them by the balls

 

Send recorded delivery or signed for and keep the receipt and tracker.

 

If you have problems with phonecalls there is the following letter too. That way you keep everything in writing.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387367-Harassment-by-Telephone-%28update-21.04.2014%29

[citizenB]

If they have not provided all the information they claim to have, then it might be worth you escalating your complaint to both the Information Commissioner in respect of the missing data and the Financial Ombudsman in respect of the EPS.

[scottay2hottay]

Thank you. Can they still come to my home after I have sent them the harassment and threat of a door step visit letter?

[scottay2hottay]

They have also given me the option to send some of the goods back, but I'm unsure if they have refinanced any of the products and so I dont know where I stand.

[citizenB]

Thank you. Can they still come to my home after I have sent them the harassment and threat of a door step visit letter?

 

They shouldnt - if they do, they have absolutely no right of entry - so dont allow them in.

[citizenB]

They have also given me the option to send some of the goods back, but I'm unsure if they have refinanced any of the products and so I dont know where I stand.

 

You should ask them this, you want an exact accounting so you know where you stand.

[scottay2hottay]

You should ask them this, you want an exact accounting so you know where you stand.

 

Thank you all for your help. I'll keep you posted. You've been amazing.

[scottay2hottay]

I just wanted to give you all an overdue update about this.

 

BAYV refunded me £147.05 because they had been charging me for something called a viewing guarantee which according to their web site:

 

" If you have purchased your TV from us and it is within the extended warranty period,

we will service it at your home or collect it for repair.

 

Whilst we have the TV, we can provide you with a loan TV.

If you have taken out our ‘Viewing Guarantee’ on your existing TV

and it is one of our listed brands,

we will endeavour to service your TV.

 

In cases where we are unable to service your TV, we can loan you a TV for up to 8 weeks."

 

The thing is,

I have never had a TV with this company, and my own TV was covered by a manufacturers warranty!

 

I am now in the process of complaining to the ombudsmen about the other insurances which they refuse to refund..

 

 

I didn't need them, I didn't want them and I sure as hell didn't ask for them.

[scottay2hottay]

The ombudsmen made a final decision and ruled in my favor!

I provided consistent evidence that i did not ask for any of the insurances.

 

I have had:

The viewing guarantee refunded in cash

The all sorted insurances refunded to my account

A £150 check for compensation for poor complaint handling.

 

There is still an ongoing unresolved matter, but that's another story.

 

Thank you to everyone that has helped me.

 

Result.

[dx100uk]

hey great result very well done!!!

 

 

dx

[citizenB]

Excellent news