STRAIGHT TO THE POINT
I’VE held a bond with The Jockey Club for five years. When it expired in June, I was told if I didn’t want to withdraw my money, I should do nothing. Now I’ve received another letter telling me my bond will be cancelled next year — but I want to keep my money invested. E. A., by email.
a sPokesman for the club says it wrote to bond-holders nine months before the end of the five-year term, telling them that when the bond expired, they could request their money back, do nothing and allow it to roll over for one more year, or ask for the money to be reinvested for a further three years. By doing nothing, you received the extra one year. to discuss options, call 0345 6055244.
I ORDERED several dresses from Debenhams using my store card account, but I didn’t like them. A Hermes courier collected three parcels to return to the shop, but Debenhams claims to have received only two. It says I won’t get a refund for the missing items worth £580. L. C., by email.
deBenHams says it investigated a number of avenues, but the parcel could not be traced. the retail ombudsman told the store no refund was required, but after you sent footage from your home security camera of all three parcels being collected by Hermes, it offered you a full refund.
I HAVE lived alone in the same property since 2012. In January this year, I received a Barclaycard statement belonging to a man I do not know. I told Barclaycard it had sent the statement to the wrong address, but it has since sent another four statements. When I complained, I was told it had to keep sending this paperwork to the last-known address, and it gave me £50 for the inconvenience. Is this right? J. G., Reading.
BarclaYcard does have an obligation, under the consumer credit act, to send monthly statements to the most up-to-date address on its records.
It is possible you didn’t receive any before this year because the customer only recently requested them — though you’d think he’d have noticed they weren’t arriving. I am told the account has now been closed in the hope the customer contacts the firm. a spokesman apologises for the inconvenience.