I’d like to make a complaint… Why some of us are so good at making a fuss

Were you the child whose indignant letter yielded a free bar of chocolate? Séamas O’Reilly puts pen to paper to reveal why we are a nation of complainers

The biscuit was only barely covered. If I’d had to guess, I’d have said 30% of its surface had chocolate applied, and that’s being charitable. Certainly more charitable than the manufacturer of the Jaffa Cake in question, who I pictured as God’s perfect miser; a Scrooge-like figure toiling in a candle-lit factory, peering over their bifocals to smear homeopathic levels of chocolate on one sorry corner of my favourite tea snack. I was 10 years old, and had never had a particularly strong sense of myself as a consumer champion, but this biscuit, this disgrace, roused something inside me.

“Dear McVitie’s,” I wrote, addressing the entire company in my missive. “I was shocked and appalled to discover this Jaffa Cake (enclosed) in such a state.” In hindsight, I was savvy enough to moderate my speech to sound adult, but not perhaps worldly enough to consider enclosing the foodstuff itself in plastic before popping it in with my letter. By the time I posted it the following day, I remember already noticing some of its soft greasiness had permeated the envelope, but I reckoned this was probably just the way things were done. Evidently it was, as two weeks later I received a letter apologising for my suboptimal experience, along with an invitation to tour a factory, and two whole boxes of Jaffa Cakes. These, I am happy to report, were perfectly chocolated.

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Lockdown refunds: why are Ryanair and BA being investigated?

Airlines may have broken law by refusing refunds for flights customers could not legally take

British Airways and Ryanair are being officially investigated over whether they treated customers unfairly during the pandemic by failing to offer them flight refunds.

The Competition and Markets Authority (CMA) said it was looking to see if the two airlines had broken consumer law, and indicated it was on the side of consumers on this issue. It has opened enforcement cases into both companies.

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What should I do if I have a holiday booked to France? Q&A

As France is taken off the government’s travel corridor list and new quarantine rules come into play, should UK holidaymakers cancel trips?

The UK government has removed France from its list of travel corridors, leaving hundreds of thousands of holidaymakers scrambling to rearrange their travel plans. A 14-day quarantine on return to the UK from France will come into effect from 4am on Saturday (15 August), leaving a window of little more than 30 hours for travellers to get home if they want to escape the measures.

The UK criteria for removing a country from the list is based on per capita case numbers. If these go above 20 per 100,000, the UK government categorises that country as high-risk. This Wednesday France reached 30.4, according to the European Centre for Disease Prevention and Control, with significant numbers in recent days: 2,524 new cases were reported on Wednesday, up from 1,397 on Tuesday, and over 2,000 a day last weekend.

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Australian car buyers launch class action against Westpac over alleged secret dealer commissions

Hundreds of thousands of buyers allegedly paid as much as three times the normal bank interest rate when arranging finance through a car dealer

Law firm Maurice Blackburn has launched a class action lawsuit against Westpac on behalf of hundreds of thousands of car buyers who were sold vehicle loans under a deal that allegedly allowed dealers to secretly pocket vast commission payments.

Dealers were able to maximise commissions Westpac and its subsidiary, St George, paid them for selling the loans by charging some customers as much as three times the bank’s going interest rate, it is claimed.

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Alone and disconnected: the woman left unable to call her dying partner

Problems with internet and phone service were once just an inconvenience. Now they can prove to be catastrophic

Cut off by telecoms company, pensioner missed call as partner died of Covid-19

Barbara Parry* arranged to switch her phone and broadband account from Sky to Now TV in March, a week before lockdown. Instead, she was left incommunicado as her line was cancelled and her phone number reallocated.

During the following four weeks, as she pleaded in vain to be reconnected, her partner contracted Covid-19. He died four days later in hospital. Due to the blunders by Now TV, he was unable to call Parry from his deathbed and she was unable to say goodbye. The news was broken by a relative as the hospital could not get through on her cancelled number.

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By air or sea, your untouched mobile can automatically rack up a £1,000-plus bill

Even if travellers’ phones are in baggage and not used, they can link to a satellite network on premium rates

Gay Haines had stowed her mobile phone in her hand baggage before her flight to Barbados and forgot to set it to flight mode. The mistake cost her dear. On arrival, she discovered that she had racked up charges of £1,095, twice the price of the transatlantic fare. “I had not used it to make or receive calls and when I opened it after landing there was no mention of any charges,” she says.

Haines is one of dozens of air and sea passengers who have received shock bills after their phones connected automatically to a satellite roaming network. While EU rules cap roaming fees outside Europe at €50, the legislation does not apply to satellite networks on planes and boats, which charge premium rates for data, wanted or not, unless customers actively switch off data roaming.

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