Category: Finance

Making a complaint against GoSkippy

It’s a fact of life that sometimes things don’t live up to expectations. GoSkippy aims to provide excellent customer service, but in the event that they do not meet their usual high standards, their complaints department can be contacted with ease. Let’s take a look at the correct procedure to follow when you wish to make a complaint against the company.

Making a complaint in writing

The first way you can make a complaint against GoSkippy is by writing a letter of complaint – perfect if you wish to follow the more traditional route. You can send your letter to the following address:

Quality Manager
Lysander House
Catbrain Lane
Cribbs Causeway
Bristol
BS10 7TQ

If you complain using this method, be sure to include as much detail as possible in your letter. Provide the company with your correct contact details and you should receive a response shortly. You should bear in mind that GoSkippy can only call you between 9am and 5.30pm from Monday to Friday.

Complaining by email

There are two online channels you can follow to make your complaint. The first method is by sending an email to quality@goskippy.com. As mentioned above, be sure to include as much detail as possible in your writing, alongside contact details for the company to get in touch with you by. Alternatively, you can fill in the online complaints form which can be found here.

Complaining by phone

In our humble opinion, the most effective way to make a complaint against a company is by contacting them in the most direct manner – by telephone. By picking up the phone and lodging your complaint immediately with a customer service advisor, you can be sure that your dispute has been picked up straight away – and which team member has taken hold of your query. If you follow this method, there is no frustrating waiting around whilst you wait for a response.

You can make a complaint by using the contact number listed below. When calling up, have the full details of your problem as well as your personal details in front of you, so that the matter can be resolved as quickly and effectively as possible.

What if I’m not satisfied by GoSkippy’s response?

If you are unhappy with the response from GoSkippy, you may be entitled to take it to a higher level. You can contact the Financial Ombudsman Service for more information. By law, companies must investigate your complaint fully – and has a full eight weeks to do so. If this time elapses, you will then be eligible to seek help from the Ombudsman.

What type of insurance can I get with GoSkippy?

As one of the UK’s fastest growing insurance brokers, GoSkippy are proud to offer their customers a choice of insurance types. With the Bristol-based company you can cover your car, van, home or motorbike, allowing you the ultimate peace of mind. Let’s take a closer look at what they offer.

GoSkippy car insurance

All drivers need car insurance, but when it comes to cover it’s not a case of ‘one size fits all’. Choosing the right policy could help save you some pennies, so it’s best to speak to an expert advisor who can assess your needs and budget. GoSkippy’s selection of car insurance includes a number of policy options including comprehensive; third party, fire and theft; and third party only. As the name suggests, comprehensive is the most extensive cover, and insures you against all circumstances.

Covering your home with GoSkippy

Your home is where your family lives – so it’s only natural to be fiercely protective of your abode. Some people however take the safety of their homes for granted, underinsuring their properties and possessions. This can lead to disastrous consequences in the event of theft or fire. When it comes to home insurance, you can choose to insure the building only, home contents, or both building and contents. Speaking to an advisor is best so that you can discuss your needs and find the perfect policy for you.

Van insurance

If your van is your livelihood, then insuring your set of wheels is imperative. If something happens to your van and it’s not covered, it can hugely damage your business. You’ll want to get back on the road as soon as possible, and rightly so. The van insurance policy you take out depends on the needs and demands of your business, and so GoSkippy provides a choice of different policies. Calling the contact number will allow you to receive a quote on the spot.

Bike insurance

The sad reality of owning a motorbike is that if you’re not careful, your trusty bike could well fall victim of theft. What’s more, many road accidents involve motorbikes, so it’s essential that you have an insurance policy that will be there for you should the worst happen. Whether you’re a veteran bike enthusiast or an eager learner – GoSkippy has the policy to suit you. Make that call today and find out which cover best fits your needs.

Sending money online with Western Union

The internet made the transfer of money incredibly easy. Instead of having to head to a nearby branch of Western Union, you can login to your Western Union account and send money across the entire globe.

There are a couple of different money transfer services that are offered by Western Union. These transfer services differ slightly, based on which countries you can send money to and how the money is collected following its transfer.

Money transfers are made through credit or debit card payments. Western Union accept VISA and MasterCard cards as well as Maestro cards. There are various different forms of security and payment protection that ensures your safety while making an online transfer.

What money transfer services do Western Union offer?

There are two types of transfer provided by Western Union:

Money in Minutes

This service allows the recipient of the transfer to collect their money within a few minutes of the process being complete. To collect the money, the recipient must visit one of Western Union’s worldwide Agent Locations.

As previously stated, the transfer takes a matter of minutes (hence the name) but it can be slower depending on the working hours of the two locations involved in the transfer. For example, if you are transferring from the United Kingdom to the United States, your transfer may not be during an overlap of working hours.

Direct to Bank

This option is available in selected countries. The transfer is made, sending money straight to the recipient’s bank account. The transfer is usually deposited the following business day. Again, depending on the working hours of the two countries involved in the transfer, Direct to Bank may take an extra day if you are unlucky enough to make the online transfer at an inconvenient time.

Next Day is a similar service that allows customers with a UK credit or debit card to transfer money to India or Pakistan. The recipient can collect the money from an Agent Location, with the transfer usually taking ten hours to process.

Which cards as accepted during a transfer and what security measures are in place?

Western Union accept VISA, MasterCard and Maestro credit and debit cards. They participate in the Verified by VISA and MasterCard SecureCode in order to stop potential online fraud. These security measures require payment makers to input their personal password when their card is used. If you haven’t activated Verified by VISA or MasterCard SecureCode, you are still able to use your card for a transfer.

How much can I transfer with Western Union?

You are allowed to send up to £800 every 12 months. If you would like to send more, you will need to verify your identity with Western Union. After verification, you are able to transfer up to £4000 at any one time. You can find out more about transferring money by calling the Prove I Called Western Union Contact Number.

Sending money in person with Western Union

Don’t you just hate how the internet has taken the soul out of such a human process as transferring money? If you prefer to transfer money by visiting a branch of Western Union and arranging the transfer with one of their employees, you are able to do so.

In person transfers are useful for customers needing to send money quickly, for example people sending money to support a secret family in another country or anyone travelling on business.

When in another country, a trustworthy internet connection isn’t always available, leading many travellers to use Western Union whenever they need to transfer money. To transfer money in person, you’ll need to visit a Western Union Agent Location.

What are Western Union Agent Locations?

Western Union do not have individual branches, rather they have locations that operate inside of other well high street stores and institutions. These include, but are not limited to, post offices, travel agencies, bureaus de change and airports.

From these Agent Locations, you can transfer money to any other Agent Location in the world. But how do you transfer money when you’re in an Agent Location?

How do I transfer money when I’m in an Agent Location?

When you’re in an Agent Location, all you’ll need is a valid form of identification and, depending on the size of the sum you’re transferring, you’ll need to “furnish” your identification. You can call the Western Union Contact Number to find out more about the rules and regulations that govern the transfer of money whilst in an Agent Location.

You can go online and check your order status, allowing you to find out whether the transfer has been completed. When checking your order status, you will need to know your Money Transfer Control Number and your own name. Similarly, you can find out if the transfer is ready for collection by using the same method. You’ll need to know the sender’s name and MTCN.

Collecting your Western Union transfer

You can collect a Western Union transfer by visiting one of their Agent Locations. To collect, you’ll need to know your Money Transfer Control Number, the origin country, sender’s name, approximate amount (within 10%) and some valid ID.

For UK citizens, a passport or photo card driving license is considered as valid ID. EU residents can use a passport or a European ID card. Everyone else will need to present a passport. For amounts below £1999, one piece of photographic identification is enough. For amounts between £2000 and £5000, you’ll need a piece of photographic identification and a form of identification that verifies your permanent address.

Sending money to a bank account with Western Union

There are a variety of ways to transfer money with Western Union, as evinced by the sidebar detailing the multiple forms of transfer. One such way is to send money straight to another person’s bank account through a Direct to Bank Account transfer.

To complete a Direct to Bank Account transfer, you’ll need a number of different details. This short post will detail the information you’ll need to find to complete your transfer, as well as the currency that can be withdrawn and the length of time the transfer will take to complete.

What information do Western Union require to send a Direct to Bank Account transfer?

The required information is dependent on the country you’re sending money to. For a detailed run down of the details you’ll need to know for each specific country, you can use the Send Money to Bank Account country checking tool on the Western Union website.

As a rule, there are three details you need to know. These are your receiver’s bank name, their bank code and bank account number and the amount of currency you will be transferring. A bank code is a series of numbers that identifies an account to any bank in the world.

The length of a bank code depends on your country of residence, with codes varying from 3 to 23 digits. There can also be different titles for bank codes, including BSB, SWIFT Code, BIC, CHIPS, NCC and IFSC. To find out your receiver’s bank code, ask them.

What is a BIC and what is an IBAN?

A BIC is a form of bank code, used worldwide. They are either 8 or 11 digits long. BIC stands for Bank Identification code, the term is interchangeable with the phrase SWIFT Code. The code consists of a 4 digit bank code, a 2 digit country code, a 2 digit location code and a 2 digit branch code.

An IBAN is a form of bank code used in certain countries to identify an account. IBAN stands for International Bank Account Number. It includes a country code, two digits and a unique code of numbers and letters that can total 35 digits.

What currency can my Western Union Direct to Bank Account be withdrawn in?

When the money is withdrawn, it will be in the local currency of the area to which you send the transfer. If the receiver’s bank account holds money in a currency that is different to their current country of residence, there may be an additional charge.

How long does a Western Union Direct to Bank Account transfer take to complete?

It depends on the country. For more information, you can call the Prove I Called Western Union Contact Number.

How do I protect myself from fraud when using Western Union?

Western Union take financial fraud very seriously. The biggest concern for Western Union customers is having their card or bank account details stolen. Fraud can, at best, be a drawn out difficult process and, at worst, devastate a hard working family.

It can take many forms, including unsavoury figures infecting your computer with a virus in order to access your account details, online salespersons that do not send purchased items and emails from foreign governments requesting a payment in order to access a financial windfall.

These examples are avoidable if you proceed with the due care and attention required. This post is a short guide to avoiding potential fraud when making a money transfer with Western Union. If you think you have been a victim of fraud through a Western Union transfer, call our Prove I Called Western Union Contact Number. Also call your bank as soon as you can to inform them of the suspicious payment. They will guide you through their particular fraud prevention process from that point onwards.

What fraud prevention should I be aware of when using Western Union?

Western Union attempt to provide fraud protection to all customers, though they are unable to prevent and provide support in all situations. When making a financial transfer, it is important to know who you are actually sending money to. Western Union are not responsible for the any goods or service that you have not received following a payment through their service.

Never send money to a fictitious name or alias. If your recipient gives you instructions on how to respond to potential correspondence with Western Union you should be wary. If you have received a suspicious email from someone claiming to be a Western Union representative, forward the email to spoof@westernunion.com.

What are the common consumer fraud situations to avoid?

Online fraudsters are not creative types. Instead, they rely on a number of clichéd methods that are easily identifiable. Anyone asking you for money in order to access a greater sum is not to be trusted, this includes loans, lottery and sweepstake winnings and representatives of foreign governments.

If you receive an email or phone call from a member of the police that claims someone you know needs money, you should not trust them.

What should I do if I think I have been a victim of online fraud?

Contact your bank, Western Union and your government’s Office of Consumer Affairs. You may also wish to contact the police. Each of these departments will take you through further protection measures and explain where you can proceed from this point.

More information on the Argos Card

Statements and payments

If you do not use your Argos Card regularly, you will be sent a statement annually. If you use the card more often, you will get a monthly statement displaying your transactions. You can find out the balance between statements by calling Argos Card Services on 03456 400 700 and quoting your details, or by managing your account online www.myargoscard.co.uk.

The online account takes a few minutes to register on and you will need your Argos Card and current credit limit handy to do so.

There is a range of ways to pay your Argos Card:

· Pay using direct debit, minimum payment or full balance (set up on: 03456 400 700)

· Pay using valid debit card online by managing your account

· Send a cheque by attaching it to the giro slip at the bottom of your statement and send to: Home Retail Group Card Services Limited, Thynne Street, Bolton, BL11 1AS. Allow 5 days for payment to show on your account and don’t forget to write your own address on back of the cheque

· By cash or cheque at your bank the giro slip at the bottom of your statement; there should be no handling fee and allow 5 days for payment to show on your account

· Some banks offer a direct bill payment service, if so quote your Argos direct payment account number: 9050 5498 plus the sort code 20-91-79

Queries for Argos Card

If you have any other queries about Argos Card Services they can be answered on 03456 400 700 or my mailing Thynne Street, Bolton, BL11 1AS. You can use the same number if you suspect your card lost or stolen and you won’t be liable for losses if you confirm it in writing within seven days. If it is lost stolen or used by someone without permission, you may have to pay £50 of any loss. If it is used with permission you are liable to all losses.

What is the IKEA finance service?

Finance with IKEA

IKEA are the biggest furniture company in the world, which goes without saying. They invented the flatpack, they made Swedish meatballs famous and their big stores of pure stylish delight provide day trips of fun for millions. Everybody loves IKEA.
Though despite its inexpensive prices for many of its products, shopping basket totals can soon add up. What you may not know is that they can actually lend a helping hand when it comes to funding your ideal home.
There are a number of options IKEA can provide which act as a solution to money problems and supplier of interior design dreams.

Finance services

Here are some things IKEA can do to help you spread the cost:

1. Personal loan

Borrow £150 - £1,500
Spread the cost over 12 to 60 months
Fixed payments of £10, £25 or £40 per month
No set-up, arrangement or early settlement fees
APR 19.9%
Example: loan amount £604.30, monthly repayments £25 and one final repayment of £15.93. Total amount payable £765.93. Rate of interest 18.3% fixed

2. Interest-free credit

Representative 0% APR on kitchens
12 months interest-free credit option for over £1500 spend
24 months option for over £3000 spend
If you spend £1500, the kitchen installation service can be added to the 12-month credit agreement
If you wish to include the kitchen installation in the 24-month term there’s a minimum spend of £3000
Some interest-free credit options can also be available in other areas of the store

Credit is provided by Ikano Bank Ab (publ), so IKEA limited acts as a credit intermediary rather than the lender. Finansinpektionen, the regulator of Bank in Sweden, authorises Ikano Bank and is subject to limited regulation by the Financial Conduct Authority.


Am I eligible for IKEA finance?

Subject to status, IKEA finance can be provided to you if you check the following:

· UK resident

· Aged 18 or over

· Valid proof of ID (Current UK credit, debit or store card, full UK driving licence, UK or Eire passport or British Forces ID card)

· Hold a good credit history

· Down payment of £10 required from current UK debit card – deducted from the total purchase price

· A valid debit card which will be used to pay the direct debit payments

Terms and conditions apply.

So, if you had a dream kitchen, bedroom or even an office in mind and feel you can’t afford a large upfront payment to fulfil it, you have the solution. Provided you are eligible, you can live in Swedish-designed comfort and not worry about the cost. Happy shopping!

The need to know information about QuickQuid short term loans

The technical loaning lingo

APR is a common term, often used to compare the interest paid on two loans. APR stands for Annual Percentage Rate, it shows the cost of the loan over the course of an entire year. Figures for APR on short term loans are often very high as the daily interest rate is large. These loans are designed to be paid within a small timeframe; failing to pay within the agreed period can lead to large debts due to the interest accrued over a number of months.

Accrued interest is the term used to count up the additional payments that must be paid to loan companies. Accrued interest increases when the loan is unpaid. When taking out a loan with QuickQuid, customers agree on a payment plan based on payment periods. Between each payment period, interest accrues, increasing the amount that must be repaid, meaning it is cheaper to repay the loan at an earlier date.

Receiving a QuickQuid loan

Customers can receive their loan within 10 minutes of the application being approved, though sometimes the financial transfer takes a little longer. Loans can be received on Saturdays and Sundays. For certain banks, transfers must be approved before 2.30pm on the weekend, otherwise the loan will be transferred the following day.

QuickQuid keep customers updated with emails throughout the lending process. Money will be transferred into the bank account detailed in the customer’s application. Only one loan may be taken out at any one time, this is to protect the customer. Remember, these loans are for use in between paydays, they are not for long term financial planning. If you are struggling financially, use the government’s Money Advice Service. To speak with a member of the QuickQuid customer service team, call the Prove I Called QuickQuid Contact Number.

How do short term Loans differ from personal loans?

There are two main differences between short term loans and personal loans. The first is how the loans are repaid. Short term loans are paid in instalments of different sizes. For QuickQuid, customers pay in a maximum of three instalments. The final instalment repays the price of the loan and any accrued interest since the previous payment, whereas any earlier instalments only pay accrued interest. Personal loans are paid for in set instalments, comprised of loan repayment and interest.

The second difference is the APR on short term and personal loans. APR for short term loans is a lot higher, this is because the repayment process is a lot shorter. Personal loans are designed to be repaid over a larger timescale so tend to have a much lower APR.

Where to find financial advice

An impartial financial advice service can provide valuable advice to consumers. In order to protect citizens from mounting debt and further financial issues, the UK Government provide a number of services, in addition to charities that specialise in assisting people with financial problems. If you wish to speak to a member of the QuickQuid customer service team to discuss loan repayments, head to our QuickQuid Contact Number page.

Money Advice Service

The Money Advice Service is a programme set up by the UK Government, providing free and impartial advice. UK Citizens can phone or email the service to receive advice about debt and borrowing, pensions, redundancy and mortgages, as well as a number of other financial topics.

The Money Advice Service provide face to face support, in addition to over the phone and online assistance. While the service was set up by the government, it operates independently, making all advice impartial, free from political bias.

The Debt Counsellors Charitable Trust

The Debt Counsellors Charitable Trust is a registered charity providing free and impartial financial advice to people in England and Wales. The Debt Counsellors can supply consumers with free debt management plans, as well as advice about a number of topics, including bankruptcy, debt relief orders and consolidation. For more information on the services provided by the Debt Counsellors, follow this link.

You can contact the Debt Counsellors Charitable Trust through the contact form on their website. They can also be contacted over the phone by dialling 0300 456 2726. Calls are free from a BT landline, mobiles and other operators may charge. If you are calling from a mobile, let the Debt Counsellors know at the start of the phone call and they will be able to phone back, saving extra phone bill costs.

National Debtline

National Debtline is a member of AdviceUK and the Helplines Partnership, certifying the quality of their advice. National Debtline provide confidential, independent, and above all, free advice to people in the United Kingdom. As an arm of the Money Advice Trust, National Debtline receive money from a range of businesses and the government to provide free and impartial advice to consumers.

National Debtline can be contacting with the Freephone number 0808 808 4000. Their phone lines are open Monday to Friday from 9am-9pm and 9.30am-1pm on Saturday. The National Debtline website can be used to find online guides and advice about a range of financial topics, in addition to providing a budget planning service. For self-employed workers, National Debtline provide a separate service called the Business Debtline.