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ASK TONY: TalkTalk charged me for broadband I couldn’t use

I transferred my web provider to TalkTalk just lately, however inside of an hour or so, I misplaced broadband and landline connections utterly. Since then, I’ve needed to depend on an excessively outdated cell phone and use our native church’s landline.

I have written a number of occasions, however won again handiest impersonal, unsigned and computer-generated responses. I made up our minds ultimately to cancel the provider.

Even even though I had no landline for a number of weeks, I have won a invoice for £299.55. I imagine I’m owed reimbursement, however TalkTalk continues to ship me expenses.

A. H., West Yorks.

TalkTalk’s phrases and prerequisites make it transparent you will have a criminal, 30-day proper to reject the provider whether it is inaccurate or now not as described.

You despatched formal lawsuits and won 12 responses in very quick order. Some have been despatched again at the similar day and all appeared as even though that they had been cut-and-pasted in combination. It felt as even though every individual used to be ticking a field to mention that they had answered in your grievance, however none had made the slightest try to get to the bottom of it.

When you ran out of persistence and switched supplier, TalkTalk despatched you a invoice for £299.55. It mentioned it began to analyze the fault 4 days after you joined and that it will agree reimbursement as soon as this used to be resolved.

More than two weeks after your authentic grievance, it mentioned additional checks have been wanted for your telephone line. It later recommended you had to touch its technical improve division sooner than it will talk about cancellation or reimbursement.

It has now showed that it is going to now not be charging the £299.55 price. Instead, it is going to give you £44.53 reimbursement and a £30 gesture of goodwill.

A spokesman says: ‘We are sorry for the problem your reader experienced. The account has been closed to his satisfaction.’

I despatched a cheque for £221.60 to HMRC as cost for tax owed. Unfortunately, I forgot to signal it, so, as asked, I despatched some other. However, a lot to my wonder, each cheques have been cashed.

My financial institution remark displays each bills and my financial institution has equipped me with a replica of the unsigned, cashed cheque.

I instructed HMRC of all this, however it’s being extraordinarily tough.

D. B., Margate, Kent.

HMRC has traced your unsigned cheque, which had certainly been cashed, and mentioned it ‘had not been able to get a satisfactory explanation’ to the issue.

It turns out most probably that, as the entire procedure is computerized, nobody would have picked up a person unsigned cheque. HMRC has apologised to you and might be repaying your cash.

I took out a Standard Life pension in 2014. At the time, I didn’t have any one named to obtain it when I die.

My scenario has just lately modified, however I had been instructed I can’t now title any person.

I have an NHS pension that began in 2012 and had named my spouse in this, however she kicked the bucket in July 2010 and I used to be later ready to call someone else.

My spouse additionally had a pension with Standard Life. I do not know what took place to this.

S. B., Derby.

There are some ways to obtain a retirement source of revenue, and your two pensions are very other.

The NHS pension is in keeping with the wage you earned. It will supply a pension to you and a smaller one in your named beneficiary whilst you die. Hence you will have been ready to have a brand new nominee added. The Standard Life pension, in the meantime, used to be an annuity purchased with cash you’d stored thru your running lifestyles.

There are different types of annuity. A joint-life one would have paid an source of revenue to you plus a smaller source of revenue to a named recipient (normally your widow) whilst you die. But you opted for a single-life annuity, which can have paid a bigger source of revenue than a joint-life pension, however does now not come with a widow’s pension.

I’m guessing you probably did this since you have been a widower, so it made very best sense.

You additionally point out that your spouse had a pension with Standard Life, too. To talk about this, the company is looking for evidence that you simply have been executor of your spouse’s will.

I don’t assume that is altogether cheap five-and-a-half years after her loss of life. After all, if there’s a widow’s pension, you will have to be receiving it; if there isn’t, this can be a easy topic to let you know.

Standard Life will touch you without delay to elucidate issues.

STRAIGHT TO THE POINT

More Than assists in keeping sending me calls for for cash, even supposing I’ve switched to a brand new insurer. Can you get it to forestall?

A. D., Lincoln.

The insurer says the letters have been despatched wrongly because of a gadget error. It has apologised and introduced you £50 as a goodwill gesture.

Ebay promised me a £35 refund over a dispute a couple of fake fur coat I purchased in November. In December, I used to be instructed the cash can be in my account inside of 48 hours. But it by no means arrived. Now, eBay is blaming PayPal.

Okay. B., Staffordshire.

This has been dragging on for months. It transpires that you simply purchased the coat throughout the visitor checkout, so the transaction didn’t undergo your PayPal account. PayPal has now given you £35 as a goodwill gesture.

I’ve been seeking to get entry to my on-line Vodafone account to view my itemised invoice since September. Trips to an area department and hours at the telephone haven’t helped.

P. P., Stockport, Gtr Manchester.

Vodafone says you are actually arrange on its cell app, the place you’ll be able to view expenses at any time. It has introduced £60 as a goodwill gesture for the inconvenience.

Since retiring, I have labored part-time and persisted to pay into a non-public pension once a year. I’m now nervous I would possibly have breached the £1 million lifetime allowance for pension saving.

B. I., through e mail.

Speak to an adviser once conceivable. You can face a 55 laptop tax rate in case you cross above £1 million. 

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