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Yes, good idea.
We use 555 Animation, which are really good and well-priced. We’ve just done a set of videos about saving with then which will be published soon!
Well done for doing something about this. I know what you mean about those social media ads – they look so good but regularly aren’t!
In this case, as you have documented evidence of how bad the product is, together with the company’s refusal to refund you, I think it would be fine not to send them back.
It’s certainly a good idea to pursue them through your credit card company. Actually, you can also do Chargeback through the card-issuer, even if the item is worth less than £100. If you send them all the details and the proof of your contact with the company – particularly their refusal to accept blame – then I’m sure they will be able to get the money back.
If you have time, I would also complain to the social media company that they advertised on. They should know about it and if a lot of people complain then they will probably block the ads.
Good question! Generally this would be something that I would suggest you speak to your insurers about but it’s not necessarily the case that your policy would cover you. Different insurers are offering different packages when it comes to COVID-related cancellations.
It’s unlikely that you could get a refund from a holiday just because you can’t get there, but it’s possible that if you call up your holiday provider and tell them the problem they might move the package for you, just to keep good relations.
So first, Dan, with your Greek holiday. It’s good that you have been told that you will receive that note. You are entitled to a full cash refund so go for it if you don’t want to rebook later on. It’s a shame that the company has not replied but it’s not surprising at the moment. There are a lot of people trying to get through to these companies and they are facing all sorts of problems. Give them a bit of time but if they still don’t reply in the next week I suggest you contact the CEO and you can get his or her contact details at CEOonline.com. Also, you can use Chargeback, even if you used your debit card. If you get fed up of waiting, contact the bank that issued your card and ask them to do a chargeback to the seller’s bank. That will get them acting.
When it comes to cancelling a future holiday to Turkey, you are on thin ice here. You don’t get a refund if you cancel the holiday, only if the holiday company does. If you can prove that they have changed the holiday from what you originally booked then you could certainly contact the company and ask for a refund as it is against what the original contract said (check that that is the case first). If you can prove that they have not fulfilled the contract then you should be able to get your money back but not otherwise.
This sounds dreadful and I think you should go for it. I know what you mean about the time factor but with a shock like that it can take people a while to get strong enough to take something like this on.
I suggest you go first to your local Citizens Advice, let them know the situation and see what they say.
You can also speak to the people at Shelter because they deal with rogue landlords a lot, as you can imagine, and they will be able to give you ideas.
You should definitely pull together as much evidence as possible of everything that she did and everything that you did, including bank statements, any written (or emailed) notes you got from her, any copies of the contract etc. The more evidence you have, the better. What a shame the police didn’t do anything. It sounds like something you should tell the Council about once you have had satisfaction from this nasty landlady.
Yes we certainly will. It’s a good point about money in Scotland. As you say, it is a different system and, in theory, Scottish notes (and Northern Ireland bank notes) are not legal tender in England, but most businesses do accept them.
I agree. I’m a big fan of cash (although, being an urbanite, I use cards a lot more). My interest in cash is that it is anonymous and ‘they’ (the Government, the big tech companies and others) can’t monitor our use of it as they can with cards. I think it’s very important to keep cash going if we as individuals are to have any autonomy over our lives.
I also feel that it would put us all in a vulnerable position if we became a cashless society. Think of how easy it is for a country like, say, China to do a big hit on our web and broadband systems. There was a day a couple of years ago when the O2 system went down and shops, taxis and more couldn’t get paid with cards. This is all too possible and I would like us to have a back-up of cash. I think the Swedes are wishing they hadn’t gone cashless.
I’m very much of the ‘be fearful when others are greedy and greedy when others are fearful’ turn of mind (that’s from Warren Buffett by the way), so I’m quite happy to put money into the stock market at the moment. I think it will be a bumpy ride over the next 12 months at least but that will bring opportunities. I’m also keeping an eye on cryptocurrencies like Bitcoin, Ethereum and XRP as I think they might do nicely in the future and are still relatively cheap at the moment.
You could spread your bets by putting some, though not all, of your investment money into the stock market now (or rather drip-feed it in over the next few months) and see how it goes. If it tanks then you haven’t lost too much…and it will go up eventually anyway…but if it does well you won’t be kicking yourself!
If your contract says that you have to give 21 days notice then it’s unlikely that you can get the money back now. You could speak to your insurers and see if they could help. When it comes to chargeback on your credit card they could help if the campsite had said that you could give just 48 hours notice and then didn’t give the money back. But if they have actually stated in the contract that it has to be 21 days then they wouldn’t be able to help either.
Hmm, that is a tricky one as we don’t know what will happen between now and next June. I would HOPE that things will have gone back to ‘normal’ by the beginning of next year so that insurers are offering travel policies generally again. They may not, of course, but I think it’s a reasonable assumption that they will.
If you don’t mind your current bank too much then maybe stick with them until you can see that things have changed. But if it were me I would take the risk, move my account and just assume that things will have improved by next year. Hope so!
I’m afraid it’s unlikely. If you had bought this as a package deal then you would be covered by the Package Travel Regulations (https://www.abta.com/tips-and-advice/is-my-holiday-protected/new-package-travel-regulations) which would enable you to have a refund for the whole thing. However, as you have bought them separately you don’t have the right to a cash refund here.
You could get in touch with the airline you were going to use, though, and see if they would move the flight or give you a voucher. Some of them are. It’s worth an ask anyway!
Sorry to tell you but this situation has invalidated most travel insurance policies. There are one or two that will cover you, so do check with your insurers, but I’m afraid that it’s likely that it won’t. Crazy I know, but those seem to be the insurance rules!
hi there ‘Monica. Very good question and thank you for asking it. I think a lot of people are unsure about these companies.
I haven’t personally used these companies but I am reasonably well acquainted with Klarna. As a point of sale lender they seem to be pretty transparent and fairly reasonable in their dealings with people. I have to say, it’s not the sort of service I would want to use unless I really really needed something and didn’t have the money. But then I feel like that about using credit cards. As you know, if you buy something with a credit card and you can’t pay off the debt before the interest kicks in, that thing is going to cost more than the original price-tag because you have to pay the interest as well!
I asked my friend Angela Clemments, founder of Fair For You, a charity-backed loans company that deals with customers fairly, to see what she thinks. This is what she said:
“I would always use a credit card because you have the insurance in it. If you are buying on line and you have a credit card, then we would always recommend using that as it gives you additional protection if you have any problem with the retailer or the items being sold to you. & with so many retailers experiencing trading issues, its well worth having a credit card to use for on line purchases.
Klarna are a global finance company, based in Sweden, & really popular in the UK for point of sale credit. It is a well known brand, and entirely reputable. It is indeed interest free so long as you pay on time. Its very popular with a lot of people who don’t have credit cards, because it is a flexible and cheap way to spread your purchase. There have been stories in the press about customers that pay late getting caught out with unexpected fees which are not very prominent on their website and so it is worth reading the detail of the terms and conditions, as you will pay interest and late fees if you miss your payment and can’t pay on time.:
This sounds bad Claire. Which one do you bank with? If you let me know I’ll get their PR people to speak to you
Or another thing to do would be to email the CEO of the bank (copying-in customer service) and asking them to sort it. Seriously. There’s nothing to stop you doing that. Usually if you email the CEO something gets done.
Also, are there any banks that are open in your town and do have disability access? If so, switch to them. This is something I’m always saying, of course, because we can switch now and it’s pretty easy. You just pick a bank you want to switch to and they have to do everything for you in seven days. Then it’s up to them to watch that they don’t lose any of your money over the next 13 months. Why put up with bad service and closed bank branches if you don’t have to?
Let us know what happens 🙂
Yes, I agree with what Annie has said. It seems to me that morally you should be furloughed. If you are a member of the NUT or other trades union I suggest you speak to them about it. The more pressure that is put on Councils and the Government over this the more likely it is that something will be done about it.
Also get in touch with ACAS. They are doing a lot of mediating with situations like this and they may also be able to help.