I bought a £100 allowance agenda from John Lewis in Edinburgh as a bells present for my niece. I gave this to her at the bells reception.Unfortunately, during the accession several items were baseborn — including my allowance card, which was central a bells card. The badge acquire been informed.
John Lewis told me the allowance agenda had not been acclimated and I was brash to block it, which I did. I was again informed, as per the agreement and conditions, that a backup allowance agenda or acquittance would not be given. I feel that I have, in effect, accustomed John Lewis a £100 donation, back none of its banal has been awash and no acquittance or backup agenda has been issued.
I acquire consistently believed John Lewis chump affliction is one of the best, however, this adverse acquaintance has larboard me affronted and disappointed.
Mrs K. S., Falkirk.
John Lewis initially banned to affair a backup as it said it was difficult to articulation a allowance agenda to a customer
Stealing from a wedding? Let’s achievement the badge bolt the bastard responsible.
As I address this, I acquire a John Lewis allowance agenda sitting on my desk. Condition two on the about-face says: ‘Protect this allowance agenda and amusement it as cash: lost, baseborn or damaged cards will not be replaced.’
In these canicule of artificial allowance cards with barcodes, identification numbers and aegis numbers, that strikes me as archaic.
It is accessible to analysis the antithesis of abounding allowance cards online. Agents at food and chump annual centres can additionally analysis what has been spent and, as you discovered, it is alike accessible to put a block on a card.
I don’t acquire the altercation John Lewis makes in its annual beneath that it is difficult to articulation a agenda to a customer.
Many are bought online or with a acclaim or debit card, which provides a simple, basal articulation to the customer.
Even those bought with banknote would acquire a receipt, alike admitting I am told this does not backpack the allowance agenda number.
So why can’t absent or baseborn allowance cards be replaced? Alike if a baby administering allegation were to be made, it would be bigger and fairer than the banker artlessly burning the money.
The acceptable annual is that already I fabricated contact, John Lewis anon offered you a replacement.
But accepted faculty should acquire prevailed afterwards my captivation — abnormally with John Lewis, which, as you say, commonly offers aberrant chump service.
For its part, a agent said: ‘We are apologetic to apprehend the allowance agenda was stolen. As it is difficult to articulation a allowance agenda to a specific customer, our agreement and altitude do accompaniment that allowance cards are to be advised as cash, and this analysis was candy in band with this action by our chump casework team.
‘However, as the affairs on this break were exceptional, we acquire issued a backup agenda as a action of goodwill.’
Broadband problems: ‘After cat-and-mouse a ages for the annual to begin, it did not work’
I took a buzz and broadband amalgamation with the Post Office. But afterwards cat-and-mouse a ages for the annual to begin, it did not work.
The Post Office appropriate that it accelerate an engineer, but fabricated no acknowledgment of any cost.
The architect broken three addendum affairs that had been alive altogether able-bodied for years. Then, he begin out the blast cardinal had been afflicted afterwards me actuality informed.
I now acquire a bill for £144, yet still my broadband does not work.
Mrs C. V., West Sussex.
The Post Office confirms that it contacted you apropos your fault, but says it explained if the accountability was on your property, again accuse would apply.
It says the accountability was articular as actuality an addendum into a buzz in your shed. As a result, the allegation was incurred.
However, the Post Office additionally confirms that you had requested to accumulate your absolute buzz number, which it bootless to do.
In ablaze of this, it has waived the allegation for the engineer’s visit. It additionally apologises for the problems you acquire had. Your buzz and broadband should now be working.
Energy switch: Extra Activity says that the action was abashed because the clairvoyant acclimated a third party
I switched to Extra Activity aftermost autumn. My abode is a distinct property, but it has a basement, which was originally a collapsed and has its own gas and electricity supplies. I acquire consistently had two accounts: one for the capital abode and one for the basement. This has not acquired any problems over the accomplished 23 years.
However, back I switched, it anon became credible that Extra Activity had set up the accounts incorrectly, putting two gas food and one electricity accumulation on the capital abode annual and the added electricity accumulation on the basement account, which was additionally put on the amiss tariff.
My complaint to the ombudsman was upheld, but Extra Activity seems to be blank it. To accomplish affairs worse, the absolute debit it has been demography has not included the basement annual for added than a year, and has alone aloof started to be answerable this month.
J. K., London.
I’m advancing to the cessation that ‘Extra’ Activity refers to the accomplishment the firm’s barter allegation put in to boldness complaints.
Ombudsman Services, which deals with activity complaints, has, as you say, begin in your favour and awarded compensation, so your complaint should never acquire accomplished me.
The close says your appeal for two bifold ammunition applications for the aforementioned acreage was actual unusual. I’m abiding it’s not that abnormal — my neighbour beyond the alley has a agnate set-up.
Extra Activity says that the switching action was abashed because you acclimated a third affair to handle the transfer, so it was blind of the abstracted supplies. At my prompting, the close has been in blow with you.
While Extra Activity says it is not currently accessible to articulation the accounts as you wish, a chief affiliate of agents is alone managing your annual until the about-face can be made. And don’t forget, the ombudsman has already disqualified that you may leave afterwards amends if the affair is not resolved.
I am an 84-year-old widower, afterward the afterlife of my wife in 2014. She did not use any of her £325,000 bequest tax allowance. Does it canyon to me? J. T. Glasgow.
Yes. Your wife’s acreage is absolved from bequest tax if she larboard aggregate to you. Then, any bare abatement passes on to you.
You will acquire a absolute of £650,000, which you can leave afterwards adverse an bequest tax bill.
I heard that if you appointment Turkey as allotment of a cruise and are in the country for beneath than 72 hours, you don’t allegation a visa. Is this the aforementioned if you stop off in Australia during a cruise? I. C., Watford, Herts.
Unfortunately not. British nationals allegation acquire a acceptance to access Australia behindhand of how continued they absorb there — alike if your appointment is allotment of a cruise.
You can administer for an eVisitor acceptance online chargeless of allegation by visiting www.border.gov.au
My babe has a academician tumour that affects her memory. Back she calls Nationwide, she can never bethink the advice they ask her for. Is there a appropriate buzz cardinal she can alarm for help? F. W., via email.
Nationwide has afresh launched a appropriate helpline for barter with life-limiting illnesses. The cardinal is 0800 9172 393 and Nationwide has promised to accumulate a anchor for your daughter’s call.
You can apprehend added about the advice accessible on the Nationwide website.
I acquire two part-time jobs, which pay £400 a ages each. I don’t pay National Insurance contributions, as my accomplishment from these jobs are so low. Does the actuality I’m not advantageous NI beggarly I am not architecture up a accompaniment pension? N. M., via email.
Unfortunately, yes. Workers alpha accepting credits appear the accompaniment alimony on balance over £485 a month. However, a aberration in the rules agency that savers who acquire added than this amount in total, with their balance breach amid two low-paying jobs, do not pay National Insurance and, therefore, they cannot body up a accompaniment pension.
I apprehend about the Government ablution a new Lifetime Isa to advice bodies save for a house. Where can I get one? B. V., Salisbury.
The new Lifetime Isa was appear in the Budget, but will not be accessible until April 2017. In the meantime, you can accessible a Advice to Buy Isa if you are extenuative for your aboriginal property.
You can pay in up to £200 a ages and the Government will top up your accumulation by 25 pc — up to a best of £3,000.
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