Archive for the ‘ Poor Service ’ Category

Bank – address change problem

Monday, May 31st, 2010

Last week I went to the shop in the morning to buy something for breakfast.
I’ve collected my items and went to the till to pay for them, but when I’ve put my pin to the card terminal – it said that the card was blocked.

Without thinking twice I went straight to the bank to ask what’s happened.

The bank representative kindly told me that my card has been blocked as I should now be using the new one which they’ve sent to me some time ago.

Since I haven’t received anything, I’ve asked when has it been sent and the answer was about 2 months ago.

I told her that I didn’t receive anything and she’s asked me to confirm my post code – which I did.

The next question was whether I’ve moved recently – and I said – well, not that recently because I’ve moved about a year ago and I’ve already changed my address in this bank 3 times because it hasn’t been updated.

So – guess what – I had to give her my address again – and put my signature on the piece of paper to confirm that I am who I am.

She said that my signature isn’t exactly as the one on the system – it misses 2 letters.
That gave her an idea of explaining that perhaps because of my signature didn’t match last time – they didn’t update the address.

Now I have to wait 1-2 weeks for them to change my address again and 2 weeks for my card to arrive.

Now – I’ve also asked – why they didn’t contact me if I haven’t activated my card after such long time – and she said that the card was sent activated as it’s a replacement.

I asked – that’s not very secure – is it – sending the activated card – and the answer was – it’s normally ok.

That really worries me, as some time ago my card was cloned – which means someone got hold of my pin and card number. Since then I had a new card and new pin – but you can’t really say whenever you pay with your card whether someone is copying your pin or not.

Now, if my card was sent without activation and someone by any chance knows my pin …. – anyway – you get an idea. Scary thing is that banks don’t think this is important enough.

Anyway, after I came back home I’ve realised that I’m actually receiving my statements to my new address so they have to have it right on the system – unless each computer station in the bank uses its own database?

It sounds such non-sense when I hear that it takes 2 weeks to change your address, that every time I go to the bank they have different address of mine, even thou my statements are arriving to the right one.
These days everything is stored digitally and how long does it take to change the address on the computer – 2 min if you are really slow typer?

And I’m sure it’s not the security measure – because in that case they should also think about sending the card which need to be activated by the owner first – before being used.

It really is sad that we all have to use Banks to deal with our own money.
Banks are private organisations, which dictate how we’re going to live – if you think government is running the country – think again, because you’re really mistaking.

Did you realise that to get a job and get paid you HAVE TO have a bank account – there’s no way around it.

People talk about freedom and democracy – which is just another word for a “Modern slavery” – we are all slaves of the system run by the private organisations – and government is just a bunch of marionnettes who do exactly as they’re told.

None are more helplessly enslaved than those who falsely believe they are free.
Johann Wolfgang von Goethe
1749 – 1832

One movie I recommend to all of you is called Zeitgeist and you can watch it free here:

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BT broadband cancellation

Wednesday, August 19th, 2009

Nearly 2 years ago I have decided to take BT Business Broadband package for my business as I thought that having it directly from BT might give me a better speed and service.

BT Business Broadband packages don’t come cheap – mine was £45.00 / month – so for that price you would expect something better than the maximum speed of up to 4MB.

After the first few months I have realised that Support is far from good – you still have to spend a lot of time in the queue waiting for someone to answer the phone.

The time has come and I’m moving to the new house and I need to have a broadband in the new place as well – so I call BT Business Support and what I’ve found out just by accident – simply because I asked, that if I’m moving the service over to the new address my contract is automatically renewed for another 24 months.

When I’ve found this out I have decided that even thou I have still 4 months left with my current contract I want to cancel it even thou I will have to pay for the next 4 months.

But guess what – even that wasn’t that easy – after about 10 minutes waiting for someone to pick up the phone on the other line … – anyway – have a listen to my conversation with the BT Cancellation department representative and find out for yourself.

Audio clip: Adobe Flash Player (version 9 or above) is required to play this audio clip. Download the latest version here. You also need to have JavaScript enabled in your browser.

Two days later…

I have just received the confirmation letter of my cancellation from BT and I’m really disappointed – have a look at what they’ve written:

“Thank your for your request to end your BT Business Total Broadband Option 3 service. Your service will stop on 26/08/2009.
We’ll send you a final bill soon. This will include:

  • charges for any remaining months of your controact term – if you’ve ended your service during your contrac
  • charges for 28 days after the date of your request plus a charge of £22 (ex VAT) – if you’ve ended your service after your contract term has finished, unless you’re switching to another provider using the standard migration process.

Please note: you’ll continue to be charged  for other services that you may have with us (e.g. Internet Security Pack, Internet Business Pack) unless you’ve asked us to stop these, too. If you wish to cancel these services, please call the relevant helpdesk.”

Correct me if I’m wrong but doesn’t that mean that if my contract has expired, they will charge me for not renewing it £22, and they will also charge me for another 28 days after the day I’ve requested to cancel my account.

Also – the thing about canceling separately all additional things they have given to me without asking for them – that’s just outrageous!!!

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NatWest additional (hidden) charges?

Thursday, July 23rd, 2009

Today I had to transfer some money from my business account to the supplier abroad.
The transfer was for £1300.00 and according to NatWest’s website, I should be chared £20.00 :
NatWest Sending money abroad.

However, this evening I’ve checked my account on-line and found out that NatWest charged me £28.50.

This wasn’t the first time I was sending payment to my suppliers abroad and the charge was always £20.00 -- today however it raised up to £28.50.

I have called NatWest, but all they could say was to go to my branch and ask them -- as if I didn’t have anything better to do.

NatWest charges their business customers for the account on the monthly basis -- clearly that’s not enough.

UK Banks and unlawful charges

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Card reader/terminal holders at Tesco

Monday, July 6th, 2009

A few weeks ago Tesco has introduced the new card reader holders.
The new holders are placed on the opposite site of the counter and as you can see on the picture below, the clients have to reach far with their hands in order to type their PIN number.
This obviously creates a high security risk, because everyone can easily see what you are typing.
Before all terminals were right by the edge of the counter so that client could easily hide the keypad and securely type his/her pin number.
Not the best “improvement” – is it?

Card reader holders at Tesco

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Banks and their Rip-Off interest rates

Wednesday, April 15th, 2009

Today I came across the article published on the telegraph.co.uk website about the banks being accused of ripping off customers by charging extortionate interest rates of up to 21% on personal loans.
You can read the entire article here: Rip-off interest rates on personal loans.

My favorite quote from this article is the money-saving expert Martin Lewis’s:

“If you walk into your bank for a loan without checking the market for the best deal you may as well have the words ‘rip me off’ tattooed across your forehead.”

The truth is that last year I had to take a loan to buy a new car – if I knew what’s just about to happen (with the Credit Crunch and all prices going down) I would most probably wait a little bit longer.

I’ve been with NatWest for several years now. My wife and I have personal accounts with them and our business account is also with them.
I blindly believed that because of this and because we are good customers (regular payments etc.) we can get a good interest rate on our new loan.

At the time they were advertising their loans at the interest rate of around 7% APR – which sounded extremely attractive.

Without thinking twice I’ve decided to apply and my loan request has been approved, but for some reason interest rate has jumped up to 15.9 % APR.

I needed the new car so I had to accept it, but one decision I’ve made after this, was that I will never go to NatWest asking for a loan again.

These days we have many options, there are price comparison websites – try them first and do not blindly believe that your bank is going to care about your interest – because they won’t. They are only interested in making profit and by becoming their client – you’re becoming their target.

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NatWest credit cards

Wednesday, March 4th, 2009

A few months ago my NatWest Credit Card has expired and for some reason I wasn’t able to renew it.

I went to the bank to find out why, as all my accounts are paid on time, no major problems etc. and for some reason they’ve decliend to issue the new card.
Well – I wasn’t too worry about it as I didn’t use this card that much anyway, but a few weeks ago, when I wanted to close the account associated with this card over the phone, I’ve been told that my new card has been sent to me a couple of weeks ago.

As you can imagine I was quite surprise, and I have explained to the NatWest Credit Card representative that my application for reneval has been declined just a few months ago. He couldn’t say why this has happened, but did try to make me stay with them oferring me some “Great Deals”.

I’m quite fed up with NatWest – a few weeks ago I was 2 days late with the payment on my credit card which had balance of £60.00 and they’ve charged me £12.00 for the late payment.

So even thou the NatWest representative was trying to convince me to stay, I said that I definitely want to cancel my account.

Today I’ve received the letter from NatWest confirming the closing of the credit account, however what I’ve found out is that even thou your card is cancelled, they can still charge you money if someone will request the money from them in the form of any recurring transactions (annual subscriptions or memberships ect).

Well, this means to me that even if I have cancelled my memberships, payments etc. and the company still keeps my Credit Card details, they still will be able to take money from me because NatWest simply won’t stop it.

Here’s what the letter says:

“Please make sure that any recurring transactions (e.g. annual subscriptions or memberships) are stopped with the relevant retailers, as we will have to continue to pay these until the authority has been cancelled by you.”

NatWest doesn’t seem to be very helpful here – do they?

This simply means that if someone has been taking money from you and the only way for you to cancel these payments is to cancel your credit card – than with NatWest it’s not going to solve the problem at all – as they will still allow the other party to take the money of your non-existing credit card.

Correct me if I’m wrong – but this is what I understand from this statement.

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Be Aware – list of the RIP-OFF companies in the UK

Thursday, February 19th, 2009

The list below contains the names of the companies which have rip their clients off – so that you are aware of what you can expect.
Check this list from time to time for new additions – and also, if you know of any companies which rip people off – feel free to list them here with some short description of your experience.

  • Tiscali – read and listen to the phone conversation here: Tiscali phone line and broadband
  • Top Choice – I’m not sure whether this company still exists – they ripped off a large number of people who have signed up with them. They were providing an on-line courses and I happen to be a victim myself – over £4000.00 loan and company has disappeared after 2 months. After 5 years I’m still paying off the loan.
  • SheriffRatings.com – read the story here: Four ninety nine – what does it mean?
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Car insurance due for renewal

Thursday, February 19th, 2009

So, the time has come and the car insurance is due for renewal in a few days.
I’ve already received the renewal papers from AA insurance for the total of £350.00 for the whole year – not too bad as for the fully comprehensive cover with No Claims Discount protection, voluntary excess of £500 and two drivers. But, because the current financial situation all over the world isn’t at its best, I’ve decided to check the competition and compare the market prices for the same packet.
I’ve tried one of the price comparison websites (gocompare.com) and have found the deal which have saved me over £100.
Yes – I’ve got the deal for £247 from the Post Office.

I’ve got my previous insurance with AA also through the price comparison website and I have to say – they do work.

One thing however – make sure that you read the content of each page before you click Next button.

The reason being is because, what I’ve found out was that right at the end there was a small note that my policy will be automatically renewed after the year is gone, unless I tick the check box which means that the policy will not be renewed unless you ask for it.

Don’t renew automatically any insurance policy, because there is a big chance that you’re going to get far better deal that the company you’re currently with.

The same applies to the offers from your bank – they normally do offers for new customers, but once you are with them for a long time, it’s becoming harder and harder to get any good deal.

My bank offered me far higher interest rate on the loan than the other banks – how dissapointing is this?

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Unwanted phone calls – how to deal with them?

Tuesday, December 23rd, 2008

Yesterday I had a phone call from the company called Unicom offering me their services by cutting down the cost of my telephone and internet bill.

I was trying to finish the conversation very quickly by saying that I’m happy with my current provider (BT) and that I’m not concerned about the cost of the service that much, as the most important thing for me is the quality of the service -- after my previous service provider (Tiscali) -- you can read the story in my other post.

However, the lady on the phone was pushing so much to arrange the meeting that I’ve finally said OK.

Today the representative of the Unicom has paid me a visit, during which he’s rather quickly introduced me to the Unicom by making it clear that they can save me money on the telephone bill and internet.

I would still have my lines maintained by BT etc., but I would call them with all queries and my phone call would be answered within the first three rings. Hmm -- sounds good -- doesn’t it?

He didn’t manage to answer my question as to the technical support -- this is when I told him that together with my broadband package from BT I have a free PC support for one computer -- when something goes wrong, BT engineer connects remotely and sorts the problem out. I had a chance to use it already and it really works that way -- problem has been solved within minutes.

The truth is that I’m using BT Business package -- which doesn’t come cheap (around £45.00 / month), but since my business cannot operate without the proper internet connection,  I’m happy to pay it.

After realising that his magic tricks don’t work on me, he’s left, handing me the business  card on the way out.

I’m sure there are many companies which really can help us to save the money by providing the quality service, and perhaps Unicom is one of them.
I simply don’t like people pushing me with any kind of decisions, and the “cold phone calls” are the things which put me off completely.

I also didn’t like the way the representative of the Unicom has introduced the business to me. He’s started with telling me how big they are, how many sales they’ve made over the last year etc. -- all these irrelevant things which I’m really not interested in. I had the impression as he was really in a rush to get out and go to visit another prospect.

One other thing which was quite interesting, was the fact that apparently I would need to sign the agreement with them for 3 years -- which means I have to use their service for 3 years -- otherwise I would have to pay some penalties etc. He’s also mentioned that if I was about to decide to go on, I would need to call Unicom AND the phone call would be recorded and keep as evidence. Hmm -- doesn’t that sound a little bit scary?

Anyway, after this very quick introduction to Unicom, I don’t think I’ll be changing my service provider -- or perhaps I should?

Let me know what you think and what your experience is with those unwanted “cold phone calls”.

How to annoy a telemarketer

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Tiscali Broadband and Phone Line – Stay Away!

Thursday, December 18th, 2008

Over a year ago I’ve decided to switch my ISP (Internet Service Provider) to Tiscali.
After receiving the hardware (modem and filters) and once I’ve made my first phone call to Tiscali, it appeared clear to me that this was one of those decisions you regret for a long time.

After 2 months of spending hours on the phone, trying to get the internet connection sorted out by Tiscali I asked them to cancel my contract for all services with them.
Because after 2 months trying, they couldn’t provide me with the service I could cancel the contract without paying the remaining months (contract was for 12 months).

I’m running a small web development business and my work heavily relies on the internet connection – so you can try to imagine that every time I’ve done some work I had to go to the Internet Cafe to upload files to the server etc. – NIGHTMARE!!!

This time I was absolutely desperate for the GOOD service – so I’ve decided to take the highes business package directly from BT – and after 1 year being with them I’m really happy with the service.

The problem which I’ve realised most ISPs have is that majority of them rely on the BT (British Telecoms) telephone line, and whenever there is a problem with the internet connection they always blame BT – solving problems obviously takes much more time, because they have to contact BT in the first place.

Anyway – it would be just a short dissapointment with Tiscali and I would most probably forget that the whole thing has happend – but Tiscali clearly doesn’t want me to.

A few months after terminating my contract with them I’ve received several letters which were saying something about outstanding balance – when I know for sure that there was nothing left to pay when I canceled my account with them.
Every time I’ve received this kind of letter I was calling Tiscali to clarify what’s happened and why am I getting this kind of letters even thou my account has been canceled months ago and the outstanding balance paid in full.

Every time I was assured that it was sent by mistake and that my account is closed and to simply ignore these letters.

On the 9th July 2008, surprisingly – I have received another letter from Tiscali saying:


We are writing to you to inform you that your last payment to Tiscali was rejected by your bank, building society or credit card provider.

In order to ensure your service continues without interruption, please call our Customer Billing Team to make payment and to confirm your Direct Debit or credit card details as soon as possible on 0871 222 3311. Lines are open 8am to 9pm, 7 days a week.

If we do not hear from you, we may take further action to recover any outstanding amounts.

If you have already made payment to us in the last 3 days, please ignore this letter.

Thank you for your assistance in this matter.

Tiscali UK Billing Team


The first thing I’ve done after reading this letter was to call Tiscali right away.

Again – I’ve got exactly the same information as before – there’s nothing wrong, account is closed and don’t worry – simply ignore this letter.

So I did, but two months later – exactly on the 9th of October 2008 I received the letter with exactly same content – the only difference was the date printed at the top – like those spam emails you’re getting every day.

So – another phone call with the same answer. It really started drive me mad – why are they allowed to send you these kind of letters and there’s no one to solve this problem because apparently – there’s nothing to be worry about.

This time I’ve decided to write the letter to the manager explaining the situation and giving the names of the service representatives with dates and times of the phone calls – as after a first few letters I started keeping track of my phone calls with them.

On the 29th October I received the response letter which reads:


Thank you for your letter dated 15th October 2008.

We apologise for the inconvenience this issue may have caused you.

Please note your Tiscali Talk account remains active. If you wish to cancel Tiscali Talk and ensure you have continued telephone service, we must ask you to contact your new provider to have the Carrier Pre Selection (C.P.S) – the system that automatically routes your calls through a specific network – moved to that supplier.
This can be done easily by contacting British Telecom (B.T.) or your chosen new supplier. When you have a go live date from your new supplier, please contact our Tiscali Talk Cancellation Team on 0845 077 4488 to complete the process.

We apologise for this involved process but this will ensure you have continuous telephone service.

If you have any further enquiries, please do not hesitate to contact our Customer Care Team on 0871 222 3311 option 3. Calls from a Tiscali Talk landline will be charged at 5p per minute. Calls from British Telecom (B.T.) landline will be charged at 10p per minute. Charges from other telephone providers may vary.

Alternatively, you can contact us through our website at www.tiscali.co.uk.

Yours Sincerely,


I was just absolutely shocked and really angry at this point.

I picked up the telephone and first called BT , asking them whether it is possible that I could have 2 service providers on one telephone line and the answer is obvious – NO.
And the only company which supplies me with the telephone line and service is BT – there are no other services on this line.

Then I called Tiscali and they’ve told me that there’s NOTHING TO BE WORRY ABOUT – can you believe it?

On the 12th November I’ve received another letter – this time it was NOTICE OF SUSPENSION which reads:

Outstanding Balance: £3.86

Despite our previous correspondence the above balance remains unpaid on your account.

In order to prevent suspension of your service, please contact our Collections Team on 0871 221 0015.

We now offer our customers the option to pay by our secure automated payment system. To use this facility, you can pay by debit / credit card by dialing 0871 221 0015 and Selecting Option 3.
Simply follow the instructions when prompted and please have your card details ready to complete the transaction. This service is available 24 hours a day.

Should your account not be paid in full your details will be passed to a Debt Collection Agency for further action. This may result in additional costs to your and may also affect your future credit rating.

If you have made payment within the last three working days please ignore this letter.

Thank you for your assistance in this matter.

Now – this was just over the limit. I’ve called the number they’ve given me and paid the outstanding balance of £3.86 and aked whether my account is now fully closed and I won’t get any more letters of any kind from Tiscali. I’ve been assured that my account is copletely closed now.

However, on the 18th December 2008 I’ve received the following email from Tiscali:

Dear Member,

Your Tiscali bill is now available for you to view online.
— TO VIEW YOUR BILL —
1. Visit the My Account area: http://www.tiscali.co.uk/myaccount
2. Select the “View Your bill” option within the Billing & Usage box3. Login using your Tiscali email address and password

If you have any questions about your bill simply visit our new Billing Help page for help and advice: http://www.tiscali.co.uk/bill

Information regarding VAT reduction
The Chancellor has reduced the VAT rate from 17.5% to 15% from 1 Dec 2008 for 13 months. We are pleased to pass on this reduction to our customers and all bills from 1st December reflect this change
— PAYMENT DUE DATES —
If you pay by credit card the amount due will be collected on or after the 2nd January 2009.
If you pay by direct debit, we will collect the amount due on or after the 7th January 2009.
Payments for last month will only be shown on this month’s bill if received before 9th December 2008.
— ARE YOUR PAYMENT DETAILS CORRECT? —
Please also make sure your payment details are up-to-date by logging into the My Account area to ‘check or update payment details’:
http://www.tiscali.co.uk/myaccount
If you have any further billing queries, please call us on 0871 222 3311 and an agent will be happy to help you. Lines are open 8am to 9pm, 7 days a week.

Kind regards,
The Tiscali Team

You can’t possibly imagine how angry I felt. It’s just like talking to someone who doesn’t understand what you’re saying.

I made another phone call – this time half way through the conversation I’ve decided to record it so that you can hear exactly the nonsense you can get from Tiscali support representative.

Here it is (click the play button to hear the conversation):

Audio clip: Adobe Flash Player (version 9 or above) is required to play this audio clip. Download the latest version here. You also need to have JavaScript enabled in your browser.

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