Mr Martin

What a con!

£15 cash back due, but you need to download their app.

Do not have a smartphone, so I lose it.

66 years old - why so complicated?

Other comparison sites are available!
Ostensibly a conciliatory response, but do not intend to jump through hoops for £15.

Other comparison sites are available!

Carwow give an indicative valuation of £26600.

Car in the online auction, receive an offer of £21700.

Car with 120 miles on the clock - an as new Audi A3. Do not waste your time with these cowboys!

Easy to switch to a cheaper tariff, BUT why did I have to take the initiative and look for it. As a loyal E.ON customer wouldn't it be nice if they simply offered their best rates without having to constantly check on changing tariffs? In my dreams!

Banked with Vanquis since 2014 (Fixed term bonds).

Two current fixed term bonds, and added £70k instant access. (Funds from another matured deposit).
Vanquis then say I am required to `Prove my wealth, or accounts would be closed'. Accusing me of potential money laundering. Always paid my taxes, been with the same bank for 55 years, electoral register for 45 years, exemplary credit reference score.

Since my wealth was accrued 20 years ago, who keeps records for 20 years?

Outcome: ALL ACCOUNTS CLOSED, including fixed term bonds, mid-term! (although I have to wait over a week for their return).

Reading their Ts &Cs, they say they can take any action they see fit, even if outside the law. Clearly they have no legal basis to do so, but it tells you a great deal about Vanquis.

Fortunately other deposit takers are more rational.

AVOID!

Update:
What a mealy mouthed response - if Vanquis had concerns, why not raise them 11 years ago when we first invested?
Having accepted our deposits, since which investment rates have reduced (Base rate reduction) we must reinvest at lower rate elsewhere, and therefore suffer a financial loss through no fault of our own.

Under the circumstances when we re-invest at lower rates, (When we eventually get our hard earned funds back), we will submit a claim to Vanquis. Doubtless they will resist, but suspect the FCA will be more receptive when we escalate the claim.

I repeat - AVOID! Lots of decent deposit takers out there, unfortunately Vanquis is not one of them.

Went on the Mercedes website for a valuation of an Audi A3, with a view to putting it in p/ex against a new A Class.

Valuation came back from Mercedes as £25550.

Contacted my local Sytner dealer, and the best they could come up with was an offer of £24000.

Either the Mercedes valuation tool is wrong, or Sytner are taking the mickey!

£100k due back today (Friday) Nothing repaid. Very lucrative for MHBS to keep my funds over the weekend, and pay me nothing, Very cynical! Hopefully I will eventually get my funds back next week.
Best to avoid.

Now we know Friday maturity means MHBS keeps your funds over the weekend - convenient (for MHBS). So you lose two days interest on maturity.

Maturity on Friday in my book says repayment on Friday. I can make same day electronic payments so why can't MHBS? Cynical response, so you lose two days interest.

So MHBS assert the maturity date is not exactly the maturity date, Convenient (for MHBS).

Excuses, excuses -free money for MHBS over the weekend - Great if you can get it at zero interest.

Strangely even the current offerings mature on a Friday (What a coincidence!). YOU LOSE THE INTEREST TO WHICH YOU ARE ENTITLED!

Last B/S I will invest with in the future. I have not seen this cynical attitude with any of the many deposit takers I deal with.

Invested £150k with Secure Trust.
As with most providers, they reduce interest rates for existing customers, and offer enhanced rates for new customers. I am used to this. Normally easy to switch to the new (better) rates without a problem if you are on the ball.
Tried to switch to get the better rate, only to be presented with a series of hoops which proved insurmountable. All you get when messaging are nondescript replies from `The Savings Team' - no names, no continuity.
Solution: SWITCH to another provider with a little more integrity. I have found several so Secure Trust have lost £150k.
BEWARE!

Great price on CarWow for a new Audi, but turns out they are quoting for cars they cannot source. Complete and utter waste of my time!

Parcel out for delivery 11/7 never arrived.

Second time in two weeks parcels have failed to appear. Last one was allegedly lost, then damaged? Not returned to sender or indeed me, damaged or not. Very suspicious

Escalated the latest non-delivery, promised a new ETA, and to keep me updated.

NOTHING!

Chased again, no response. Perhaps I am just unlucky my local courier is incompetent at best, but can never use Evri again - Zero deliveries out of two just gives me a load of hassle trying to extract refunds from the senders - EVRI DO NOT DO REFUNDS - SO NOT THEIR PROBLEM!

If you want an easy life, use a reputable courier, and AVOID Evri!


Standard response from Evri - contact them and they will endeavour to resolve. ALREADY DONE THIS - AND DESPITE PROMISES GOT NOWHERE!

Complete and utter waste of time. Use a reputable firm.

Latest response from Evri (20/7) says parcel has been `damaged', so cannot be delivered. Why not either to me or the sender? Damaged does not mean it has disappeared!

Told to take up the matter with the sender - a cop out from Evri.

Perhaps I should look out on Ebay - two parcels in a row `damaged' and undeliverable is rather suspicious!

Parcel expected from the US. Crossed the Atlantic, no problem. Arrived with my local delivery agent, and `Out for delivery 12-2pm'. So far so good.

No attempt at delivery so chased Evri (No easy task).

`Unable to deliver' message - Normal for Evri - local delivery driver frequently late.

Promised to reschedule (Didn't happen), so chased again and again.

Two weeks later advised parcel was `damaged'.

Requested either delivery to me, or return to sender, damaged or not. Neither happened.

Must assume `damaged' means it was either lost or stolen by Evri - Good look to the thief -$20 prescription glasses - doubtful they are of any value to anyone else.

Avoid Evri at all cost (I certainly will).

Parcel traverses the Atlantic from a reputable firm with no problems to the UK - Until it is handed over to Evri.

Final leg to my home, and seems to have disappeared. No help whatsoever from Evri.
AVOID!

Note the `conciliatory' response from Evri to my original post.

The reality is that I have made contact by recommended channels, still no parcel.

For the avoidance of doubt my parcel was out for delivery 16th June, now 24th, and all I get from Evri is that they are looking into it. Grossly incompetent organisation.

Even their CEO says they must improve!

Great price, quick delivery across the Atlantic to UK, but let down by UK delivery partner on the final leg.

Evri had the parcel out for delivery over a week ago.

No attempt at delivery by Evri, despite repeated contact with no credible response. Seems I have lost my money.

AVOID EVRI as a delivery partner.

Thank you for the conciliatory response Lensmart. Not your fault, Evri are incompetent, and thank you for trying to resolve this issue. Unfortunately Evri only respond to the sender, not the recipient chasing delivery.

Thanks again for fighting my corner!

£150k invested with Vanquis in a 5 year bond 5 years ago.
Monthly interest paid in a timely manner.
Coming up to maturity, so logged into the account as maturity instructions due shortly - but no funds shown on the account!
Tried to send a secure message, only to receive a message of `an unexpected error' (Four attempts failed).
Realise Vanquis have `issues'

At least the investment is covered by the FSCS, but we don't need the aggro, so looking for repayment.

Would not recommend investing with this bank.

Will doubtless have to spend an eternity on the phone trying to resolve this.

AVOID - unless you borrow rather than invest.

Response from Vanquis:

Response not at all helpful since even when able to log in with joint holders details, even the capital is not shown, and therefore no maturity options are available.
A longwinded response of no use whatsoever!

20/8 Update - Vanquis now advise there is a `Technical issue' which their IT department are looking to resolve. Still no sign of the £150k which should be shown on our account. Coming up to the maturity date. Not reassuring!

British Bathroom Company
Purchased a toilet seat from British Bathroom Company.

Delivery by DPD - confirmed on order, and on despatch confirmation. DPD always deliver to my property in a timely manner - Great!

Then received an email that DX would deliver - surprise, surprise, they failed to show - a wasted day.

For the sake of a few pennies to reduce delivery cost, why do British Bathroom Company compromise their integrity and choose a delivery company with an appalling reputation?

Will never use this company again- AVOID.

Excellent products, reasonably priced, and quick delivery.

Quality jams, preserves and chutneys, great customer service.

Highly recommended!

Aberdeen Angus Fillet Steak.

Purchased two of these, to cook two individual beef wellingtons for my wife's birthday.

Tough as old boots, full of sinew and fat - not a fillet!

Assume the butchers are amateurs - shame about the premium price.

Bank of England increase base rate - great for savers -Except Shawbrook park your existing account, so no increase for you - just offer the higher rate to new customers. So much for loyalty - needless to say a refund of funds requested.

Shawbrook advise `Instant Access' but closure request prompts a response saying next day repayment. Requested account closure yesterday - no funds today, so instant access means Shawbrook pocket at least a further two days interest.

Avoid!

Conciliatory response BUT - Why make existing customers jump through hoops to get the latest rate?

Existing customers are your bread and butter. Just give us decent rates without regular account switching (Hassle!)

Funds are now with a provider who moves my savings rate as interest rates increase. Simple.

Look around on comparison sites. You can do better.

Bit of a glitch with my order, but Spex4less were quick off the mark to resolve the issue. Communicative, helpful and genuine.

Would certainly use again. Recommended if you require excellent value specs!

Paid for a premium delivery service (Saturday delivery), stayed in all day, and the delivery company (DPD) were a `no show'. Waste of a day. To make matters worse, DPD lied about attempted delivery, and showed a photograph of a property nowhere near mine. Idiot -s.

DPD re-scheduled delivery for the next day, and again a no show. Two days wasted waiting for a delivery which did not arrive.

Cancelled the order with WFD this morning, and they were helpful - except they told me I would have to wait for the order to be returned to them before they could process a refund.

WRONG! Quoted the Consumer Rights Act, which states that if I have not received the goods as per purchase contract I am entitled to a refund. If DPD lose the parcel on it's way back, not my problem

Pointing this out, WFD say they are processing my refund now - and so they should be.

Time will tell - there is always the 'chargeback' option if suppliers do not play ball.

In summary, delivery companies cannot recruit decent staff, and indeed retain them.

Difficult for online suppliers, but perhaps go the extra mile and purchase from a bricks and mortar retailer - I will.

Opened a fixed rate bond, 12 months, monthly interest.

Decent interest rate BUT

Interest added to capital, not paid to my nominated bank account. Several online messages without resolution.

Virgin money has variable reviews.

Finally my issue has been addressed/resolved by Virgin Money.

Thank you - I now have my interest to my nominated account.

At least Virgin money have addressed the issue, so it has restored a little faith in them.