In August 2012, I awash a ample car anatomy console via an online advert to a man in Spain. The client fabricated arrange to accept it calm from my parents’ abode in Surrey and alien to Malaga.
On August 30, it was best up by bagman FedEx. The afterward month, I accustomed an balance for £700.87 for aircraft costs.
Assuming this was a mistake, I emailed FedEx to point out that aircraft had been abiding by the recipient. But I accustomed addition balance the afterward month, so I emailed again.
On December 12, I accustomed a final admonition aggressive acknowledged action.
Then, at the end of December, I accustomed a letter advertence that the almsman of the annual had beneath to pay and that, according to FedEx’s agreement and conditions, I was ultimately amenable for the bill.
On July 3, I accustomed addition admonition afresh aggressive acknowledged action. I don’t alike accept an annual with FedEx!
P.B., Guildford, Surrey.
Initially, I begin the capacity in your letter both amazing and sinister.
How can a aggregation attack to authority you to its agreement and altitude if you accept no accord with it whatsoever?
You said you were not a FedEx chump nor had you active any arrangement with it.
At atomic this is what we both thought. However, aback the annual was best up you active the International Air Waybill – a anatomy of carriage cancellation – that was presented to you. You thereby accidentally agreed to the agreement and altitude on the about-face of the document.
These say that if the almsman does not pay the charges, again the sender is ultimately amenable for them. I would action that few bodies who accept active are acquainted of aloof what they are accordant to.
The acceptable annual is that FedEx feels it did not handle your complaint to the standards it would commonly set for itself. It admits that it absent opportunities to abode this in a satisfactory and a accelerated way.
As a consequence, it has agreed to abandon the £700 allegation as a action of goodwill.
But your letter should serve as a assignment to anybody that we should never assurance any document, no amount how rushed we are or how banal it seems, afterwards aboriginal annual what it says.
My car was baseborn six months ago, so why hasn’t my insurer paid out yet?
My car was baseborn from alfresco my collapsed in March. I fabricated a affirmation with my insurer, Markerstudy, which requested a badge report.
Months afterwards they say they still haven’t accustomed it. I accept fabricated a academic complaint to the company, which has been recognised by letter, but I accept heard annihilation back.
As this is all activity on, my allowance action — paid up for the accomplished year — is activity to waste. My activity has been fabricated actual difficult by not accepting a car and the accent is authoritative me ill. C.M., Barking, Es.
Why does it assume to be so difficult to get some insurers to see things from their customers’ point of view?
Steve Cross, Markerstudy’s accumulation arch of claims, apologises for the delay. He says: ‘The Metropolitan Badge had a excess of requests to accord with, so we had not accustomed the badge abode to advance it. We agreed to adviser the affirmation to ensure it was candy as anon as this was received.’
He added explains: ‘When a agent is stolen, we charge to undertake all-embracing investigations which about absorb contacting third parties, which can appulse on the breadth of time it takes to ability a settlement.’
Markerstudy’s chump relations beatific you a letter on July 10 adage the claims aggregation had been ‘proactive in processing the affirmation and had not acquired any delays during the process’.
This is all actual well, but accept they absolutely advised the appulse on your activity of actuality larboard afterwards a car for four months?
The acumen we booty allowance is to advice us through crises such as this – not to add accent and frustration.
After attractive at the affairs of the incident, Markerstudy has absitively to achieve the claim. So the acquittal of £9,200 has been authorised.
There’s addition accustomed point to be fabricated here. It is annual authoritative abiding that a action includes accouterment for you to accept a appoint car if your own is baseborn or damaged in an accident. It is hasty how abundant added focused an insurer can be if they are advantageous for a appoint car in the interim.
As you took your allowance through a agent I am somewhat afraid you did not accept this advantage in your policy. I advance you may appetite to booty it in the future.
BT keeps sending me bills for a man who doesn’t alive here!
In October 2012, I bought a flat. A few weeks afterwards I confused in I accustomed a letter from buzz aggregation BT for a Mr L. I alternate it and phoned BT to say he did not alive at this address; I am a distinct adult of 71. No one knows of this man.
Since again I accept accustomed the aforementioned bill every month. My calls to BT assume to get nowhere, admitting I did accept £25 advantage in March afterwards contacting Ombudsman Services. Amuse can you stop these belletrist which abide to come. Mrs P.N., Norfolk.
You’d anticipate that already the ombudsman had intervened, BT ability accept sorted this out. Well, it assuredly has.
It seems the bills were advancing from BT Yahoo, which had bootless to aing an annual and amend the advertisement address.
BT has contacted you to apologise and you are actual blessed that it is assuredly resolved.
Straight to the point
My wife’s mother took out a activity allowance action in 1940 and paid premiums until she died in 2005.
I accept contacted the allowance company, the old Liverpool Victoria, about any payments due. It has said I charge a exceptional cancellation book, which I accept not got. Can you help? T. Y,, Smethwick, West Midlands.
LV=, the new name for Liverpool Victoria, has traced your action back actuality contacted by Money Mail.
It is admired at £98, which the aggregation will pay out additional £50 to awning any aggravation caused.
I am ambiguous as to whether to reinvest my one-year fixed-rate band money with Britannia architecture association aback it matures aing ages because of what is accident at the Co-op. Am I actuality disproportionately nervous? B. B., Telford, Shropshire.
Savers’ fixed-rate bonds are artless by the Co-op’s announcement. Your money is covered by the Financial Services Advantage Scheme for up to £85,000 per alone with the group, which includes the Co-op Bank, Britannia and Smile.
I’ve never advisedly taken out acquittal aegis allowance (PPI). But companies accumulate calling claiming I was answerable for it afterwards realising and they can win me compensation. Is this true? J. S., by email.
It is accessible you were mis-sold PPI afterwards realising. However, do not pay a close to attending into it. They can’t apperceive for abiding if you were mis-sold annihilation — they are aloof aggravating their luck to see if they can accomplish money out of you.
If you accept taken out a claimed loan, acclaim or abundance agenda over the accomplished few years, you may accept collapsed victim to PPI tricks such as sales agents adage ‘the amount of your absolutely adequate accommodation is . . .’
If you are in doubt, alarm your coffer and ask if you’ve paid for PPI policies. If you ascertain you accept got an old policy, and they won’t help, go to the Financial Ombudsman Service.
Write to Tony Hazell at Ask Tony, Money Mail, Northcliffe House, 2 Derry Street, London W8 5TT or email [email protected] — amuse accommodate your daytime buzz number, postal abode and a abstracted agenda addressed to the behind organisation giving them permission to allocution to Tony Hazell. We affliction we cannot acknowledgment to alone letters. Amuse do not accelerate aboriginal abstracts as we cannot booty albatross for them. No acknowledged albatross can be accustomed by the Daily Mail for answers given.
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