Sunday, October 20, 2013

Are Wonga just taking the piss now?




Just got this automated template again!
But this time with a twist.
I'm positive they are just taking the piss now!!


Dear Steven,

After reviewing your email, it seems clear the best way to get this matter sorted is over the phone. 

Please call us on 020 7138 8331. We look forward to discussing your account and trying to help find a solution for you.

Who the FUCK is Stephen ?

More Wonga bullshit.

For the third time now, in the past couple of days, Wonga have sent me another automated reply, this time saying all is well. Still unable to get a human to look at the problem, they simply persist in sending automatic, template responses, answering nothing.

Obviously by them saying this I could be led to believe that my payment went through ok on the 18th, and in turn assume that the unauthorised payment was an extra payment they had no right to take?

Of course, if a human just took 5 mins to look at the account and explain it to me in an email it would all make far more sense, and be clearer, but no. Seemingly it's not the Wonga way!

Wonga, you continue to be a cause of stress and frustration in my weekend, so please once and for all, read the damn email I sent you, address the questions and give me a straight answer.

Oh and one more thing, that script you give the outsourced call centre..... When a customer phones up distressed and angry that YOU have failed to take a payment.... scripting the agent to ask 'so how is your day going so far' is a bit fuckin retarded! #JustSayin! 

So here is the template you can expect to receive when Wonga mess up, then you try to sort it out...

Hi Michael,Thanks so much for your patience while we were checking your account. Your payment was received and your plan remains in good standing. We really do appreciate you keeping your word. The status of your arrangement can be viewed, and payments can be made anytime, by logging into the 'my account' area of our site. To avoid any hiccups, please make sure your debit card information is up to date. If you know of any potential problems, please call us on 0207 138 8331 asap.Best wishes, Collections Team

Saturday, October 19, 2013

Dear Wonga.... you utter muppets!

So, if you had not already guessed, my previous blog entry was referring to ... WONGA.COM. Those happy little people that are great when all is going well, and I have had good dealings with before. But when anything goes wrong, they are simply UTTER SHIT !

3 months the issues have dragged on for now, with them not even being able to arrange one single monthly payment from my account without sending me shitty emails telling me how they are going to systematically drain my bank account over the next day if you dont call them immediately. And if you DO call them, the agent will just take an unauthorised payment anyway, so its lose lose suckers !

So after saying in my email I didnt want a templated response from them, and would like the matter looked at properly, this is the insulting shit they send.

Hi,
 After reviewing your email, it seems clear the best way to get this matter sorted is over the phone. 
Please call us on 020 7138 8331. We look forward to discussing your account and trying to help find a solution for you.
You may also find you can get things sorted by using the options in the ‘my account’ area of our site.
Best wishes,
Hi,,,,,,,,,,,,,,,,,, HI !! are you fuckin kidding my. My email signature has my name on it, my account has too, hell, even your threatening little YOU FAILED email has my first name on it, but now im 'Hi' FUCK OFF !!!

From this point in, everything goes public, nothing is a secret, and yes, I fucked up and used a pay day loan company, my bad! lol.

Wonga, your customer 'care' is an utter disgrace, disorganised, ill informed, poorly trained, and a complete polar opposite of the experience you offer when tempting people into taking loans with you.
I can see now why so many organisations have targeted you, and understand fully the stories that people like Sky News have run.

Shame on you !


Disgusted!

After a running battle with a financial company, that shall remain nameless for now, I am finally at my wits end with it all. I have just sent them the most balanced email I possibly could at this time. Right now I am full of anger and contempt with them for the way they are behaving, and can understand why they have come under such intense fire from the media over recent months.

I am of course going to follow up this matter, and forward it to anyone who might like to take a bite out of them, as well as the financial ombudsman and maybe a few media outlets, given their unauthorised activity on my bank account today.

VERY ANGRY RIGHT NOW !!

As my letter and blog writing skills show, im mind is not my own right now.


Dear Sir / Madam
I have just come off the phone from one of your agents after having probably THE worst customer 'care' ever. I am outraged at the events on the phone, as well as how your company has behaved over this matter. I therefore wish to advise you of my intentions to approach the Financial Ombudsman with this complaint.
Please see below the catalogue of errors which has lead to this issue.
A few months (payments) back my debit card was changed. Forgetting to advise yourselves, I rightfully received an email saying my payment had failed, and that I needed to call. I did so, and made payment there and then, as well as giving my details and authorisation for future automated payments to be taken.
Last month I received an email saying it had failed again. So I phoned up only to be told they could not check anything or change anything as the computer systems were down, and to try calling back later. Which I did.
I was then told that the payment had gone through fine, the email was an error, and all would be well THIS month.
Well, yesterday I received an email saying my payment had failed yet again. Not having time to stay on hold as the wait was a long time, I emailed, to which I received no response. Today I received an email saying the payment had failed, the plan was cancelled and that an attempt would be made to take the full amount tonight.
Let me just take that last email for a second and try and work this out. Your system and my bank for some how doesn't allow you to take 10% of the sum owed, so somehow the logical thing to do is to use the same system and bank details to take 100%. That makes sense doesn't it!
So, I have called your call centre again today, and this is where my biggest issue really starts. The scripted drone that I spoke with advised me that your systems were running very slowly today, so getting my details up would take a while, while waiting she asked me various security questions, and details of the existing arrangement and payments. While doing so she enquired about the agreement amount, which I told her of. Shortly after she asked for the last 4 digits of the card being used, and the security code, which I also told her. After a short pause she said 'ok that payment has gone through today'. I enquired what payment she meant, was the system showing the same as last month and had in fact collected payment. No she replied, the payment I just requested...
This is appauling that without so much as 'would you like me to try and collect a payment from your card now' or similar, she authorised herself to take payment on behalf of your company. Therefore I protest at this unauthorised payment being taken from my account in this way, and will be formally advising the financial ombudsman of my experience with yourselves. From what I see in the media, im sure it will just be one of many.
Falling into financial hardship is bad enough, without complete jokes of companies like your own behaving in the way you do.
On the ending of the conversation she also advised me that she had set up a payment plan that would come out on the 18th of each month from Nov. Once again, please accept this as my notification of intent towards your company. IF the payment fails for any reason other than fault of my own, and I receive the same automated email threatening to systematically milk my account of every penny you can, I will immediately cancel payment and willingly forfeit the settlement, with the explicit intention of taking legal action.
For the whole time, I have maintained my side of the agreement, but on a monthly basis you fail on your side time and time again, with escalating incompetence.
I expect this matter to be thoroughly investigated, and for a completely human typed, non templated response to be sent to me explaining the actions of the agent today, and explaining why oh why something as simple as this cannot be maintained.
I really hope this matter can be resolved properly once and for all.
Thank you sincerely for ruining the start to my weekend.
Michael Snasdell
PS, this letter is being published on my blog at the same time of sending. The company name has been withheld at this point out of common courtesy. 


**EDIT**
In a hilarious twist, the company concerned have just replied to my email, stating they cant find a record of me, and for me to supply more information for them to be able to help me. I wonder if they have 'lost' my account finance information too, I doubt it eh ! 

Wednesday, September 25, 2013

Hello again world...

Cor blimey so much going on recently its hard to keep up with it all. Dunno where to start, BBM cross platform fail to launch, BB being bought out by a private equity firm, my adventures with the Nexus 4, or closer to home and in the real world, the change of estate agents for the house, or the subsequent almost immediate sale? Hmmm, lets start with real life, then if you get bored reading, you are not missing too much.

So, the house (Willow Close, Wales) went on sale a few months back now and since it did there has been very little progress, a couple of viewings with not the greatest feedback, then nothing more for months now.
So after getting some very unsatisfactory viewing and interest figures once again from the agent, we decided it was time to pull it from Wynne Davies, and move to Sterlings.
Up until this time I had not checked either agent out, as both had equal rating from the solicitor. However on doing a little digging and using my old mate Google to search, I discovered that Wynne Davies runs from a small office near the sea front in Rhos, while Sterlings is on the High St in Colwyn Bay.

Just days after instruction was given, I received a call from Sterlings to say they had an offer in, at just £3k under the asking price. Needless to say, after short consideration it has been accepted, and solicitors instructed. So now the cogs are turning and the clock is ticking. The total and utter end of the Wales connection, gone forever. Just the family grave and 40 years of memories remain there. Which I must say is MORE than enough to keep me going there for years to come. Speaking of which, I am keen to get up there again very soon to tend to matters.

I wont deny that this sudden activity has caused some sleepless nights recently for me. But to counter that I have bucked up my ideas, started using the multigym that I bought and finally put together a couple of weeks ago, and really got back into training, on my own terms this time. Something I can stick to and feel good about. With the help of P90X of course. To say I am aching right now is an understatement, but its a nice ache, and it all contributes to helping me sleep well at night. Now to just keep at it for as long as I can, and regain my fitness AGAIN !!
Speaking of the body, last weekend saw another session in the chair with the one and only Michelle Collenette at Innocent Needle Tattoo, to get some more work done on my Welshanese Dragowl. With some inspiration for the colour scheme found in a dance video by i-Glide, to a Lindsey Stirling track, it is all coming together now, and I am delighted with how its turning out. Getting very addicted to tattoos again now, this could get expensive!
With tattoos in mind, its the London Tattoo Convention this weekend at Tobacco Dock in London, and I am hoping to stalk a couple of my favourite artists on Sunday and see what their work and style is really all about. I just hope they are working when I am there.

In other matters, BBM BlackBerry Messenger, finally got launched as a cross platform IM service last weekend.... And due to lots of issues, was immediately pulled again. Damaging BB's reputation further, harming the chances of it being successful cross platform, and sending stocks tumbling further. As the stocks went to the mid 800's, the investors pounced with a buyout proposal, and BlackBerry is as good as under new management for just 3 billion.
Meanwhile, I am as happy as ever with the Q10, loving what it does and how it does it. And getting along like a house on fire with my Nexus 4 too, so all bases are covered.

Right, things are getting hectic, to I better get on with my day, but watch this space for updates on the house, and fitness amongst other things.

Thanks for reading.

Saturday, September 21, 2013

The world is full of idiots!

Clearly it must be. Its 2013, and not only do people still fall for phishing scams, get caught out with skimmers at ATM's but it seems there is a new breed of Internet twat....

To clarify... Clicking LIKE on Facebook or sharing with ALL your friends will NOT make an app work or change the image you can see on the screen.
Rating an App 5* on The Google Play Store will NOT activate or make an app work...

And when the whole world is telling you that BBM is DELAYED... Don't think you have found a secretly stashed app on the Play Store, install it then be surprised that it's FAKE.

Please dear idiots of 2013.... Step away from the technology!!

Monday, September 16, 2013

What's been going on?


While the world around me has been going a little crazy, I have been trying to stay grounded, and may I say, doing pretty well too.
With all the medical issues being taken care of to some degree, life is feeling a little bit 'normal, dare I say.
So here is a quick catch up with me...

Arm issues are being dealt with a combination of physio and Naproxin from the GP. The Allopurinol is going well, so serious side effects at the moments so that's something. The physio uncovered some issues I didn't even know I had, but that is all in good hands. And what a great pair of hands the physio has. Always amazes me how much power comes out of a pair of hands. But feels lovely to feel some relief. 

Wales house. This weekend it was decided that a second valuation should be considered, so Sterling's have been requested to go there and value it for quick sale, and report back. So that is happening tomorrow. Hoping that they are as efficient selling as they are at communicating. The email responses have been fantastic. Fingers crossed. With the weather turning, it would be nice to see it sell before the cold weather sets in.

Work. Well work is work, drama, bitching, stress and some downtime just about sums it all up in one sentence. Pay rises just came in, I'm not complaining. My only issue these days with work is get the train or drive into work. As it gets colder and wetter, the idea of getting a train becomes less appealing, but im trying to stay in the right mindset to keep as active as I can.

Speaking of being active... I'm getting VERY fat again now and I'm not happy. with the arm issues clearing up, I am using this week as a starting point to get back to training again. So the multi gym is up, the dip frame is up, and I'm raring to go. All I have to do now is get more and more active, walking the dogs more and things like plyo. Kinda looking forwards to that. So once again, watch this space for any updates or excuses.

Right I'm done. Back to waiting in this boring waiting room before I have my hair chopped at the barbers. Leon on his own today and chatting away, so gonna be a long wait!

Tuesday, August 27, 2013

Really not feeling too good

I don't know what the cause is, maybe its the new meds, Allopurinol for the gout, maybe its just poor health, I am really not sure right now, but what I do know is, I feel like crap right now.

The past couple of weeks I have had a lot of numbness in my right arm, and aches, as well as pins and needles in my hand. The ache has now reached the stage where even typing causes discomfort in the knuckle joint.Trying to grip the hand rail on the train on the way into work today, I noticed that the ache got worse within seconds, and my grip was quite poor.
Last week while driving, I missed a turn I have been taking for 20 years now, my driveway!  I was just slow turning, which could be to do with the grip.

I'm not going to write too much, as its quite uncomfortable now, but I will list the issues I am currently having. Thankfully I am seeing my GP tomorrow evening, and my physio on Mon, just in case the sensations are to do with the tightness I have in my back and shoulders.

So here goes, oldest symptoms first.

Numbness in right hand and arm (persistent and regular)
Sensation of tightness at top of arm, like pressure on artery
Pins and needles in hand
Crush sensation in index finger
Raising the arm, leaning on arm or using it to carry something causes symptoms to return.
Ache, tenderness in middle knuckle of middle finger
Lots of tension and tightness in right neck, shoulder, back.

More recently....
Blurry headed
Slight occasional confusion, forgetting what I was saying, not thinking straight to write or speak
Coordination hit and miss when doing things like typing.


So that's me, that is how my day is at the moment.
Seriously hoping that its something simple like a trapped nerve causing my arm issues. But the latter issues are really starting to bug me now. Part of it is probably stress from worrying about my arm, and not wanting more CTS surgery.

Either way, my brain is fried right now, so I'm keeping it short and sweet and signing off.
Thanks for reading.

Friday, August 2, 2013

Allopurinol, can it cure it all?

So today is the day, (well last night to be precise) that my gout is under control enough to risk starting the course of Allopurinol.
After a bit of a shocker of a meeting with the company doctor (PHC) the other day, it was recommended that I try and get my GP to prescribe me Allopurinol to try and get my uric acid levels under control, and in turn hopefully reduce the number of flare ups of gout. Sadly one of the side effects of the drug is to seriously aggravate any occurrence of gout that maybe happening at the time.
 
After many many weeks of suffering from this latest outbreak, I can finally walk almost normally, run a little, and function normally. So I decided after careful consultation with work, that I would start the course.
‎This course, if it shows no serious side effects could last for the rest of my life now, as elevated levels of uric acid (Hyperuricemia http://en.m.wikipedia.org/wiki/Hyperuricemia) can lead‎ to some pretty painful and long term conditions in the body, not just gout. So as explained by PHC, it's important to get it under control asap. This can mean a life long course of the drug, and regular blood tests etc to see that it's all under control. Similar to diabetes in that levels have to be managed for life, and the levels in the blood with determine the dose of the drug taken.

So last night I popped the first 100mg tablet, along with a Diclofenac which I have been advised to remain on to keep inflammation to a minimum. 

With work already having warned me about my attendance (hence the trip to PHC) I have been mindful of the consequences of another period of sickness which could be caused by the starting of this course of drugs. Of course if I have chosen my time right, all will be well. 12 hours later, so far there is no sign of any issues, so let's hope for once that luck is on my side.

I will be sure to keep blogging about my journey with Allopurinol, as I know many people search the Internet for gout daily, but seemingly only a few know about Allopurinol. None of the doctors I have even seen until PHC have ever mentioned it, and I have suffered from gout for about 5 years now.

Right, this was just a quick time marker and intro to the topic, so catch ya later.

Regards

Michael

Sent from my BlackBerry Q10

Tuesday, July 30, 2013

A fitting ending to an era

Finally at the weekend it was time to carry out the final act in what has been a long 2 years since mum passed away, and 6 months since Joan left us too. As per Joan's written instruction, and mums conversations with Joan previous to them both departing, their final wish was to be scattered at sea. Mum just wanted to be in the water, Joan had been more specific choosing a spot just off the shores of Puffin Island. Arranging it in its entirety, a guest list had be drawn up, a yacht chartered and a sailing plan sorted too. There was nothing for us to do but be carried along on their final journey out to sea.

Chosen for the trip was The Mehalah, a lovely yacht with a great little crew. Amazingly the skipper of the boat was actually Joan's chiropodist, so it had gone from a simple medical service, to a friendship and planned journey. The sad part is that Joan was never able to sail on the Mehalah, so this would be her only trip.


Boarding the boat at Conwy Marina, with a few close friends and family, we soon all found our positions on board, and got comfortable for what would be a nice relaxing and very pretty trip out into what I assume is considered the waters of the Irish Sea. Just off the coast of Anglesey to its most eastern tip where you find Puffin Island. I have added a pic of the starting point, and where we sailed to. A marks the starting point at the marina, the star is where we stopped.


The conversation was general on the way out, not about anything specific, just picking up on topics that came of what we saw as we sailed out. Once we arrived at our destination however it became more focused. With Chris reading a small passage she had written up, before committing Joan's ashes to the sea, followed by my sister and I taking a moment to say goodbye before making sure mums ashes were sent over also in a timely manner to take their final journey with her sister.  Flowers in the form of roses and lilys kindly supplied by Chris and Stephanie accompanied them over.

From the moment the formalities were done with, the mood changed to a more upbeat tempo and one which took the time to remember the ladies, and stories of things they said and did over the many years we all shared with them. This of course was what both wanted, happiness and memories, and no sadness in peoples hearts. Finally arriving back at the marina, and just beating the weather in, suddenly things felt very final, but in a positive way. We had done right by them both, and til their final journey all they had wanted had happened as they wanted it to.

So forever more, there is a final place, a location which is where they now belong, and somewhere I can use in my mind, and in my future tribute tattoo's etc to mark an eternal memory of them both.


The scattering of the ashes was without a doubt the one reason for being in Wales this last weekend, however I have never been one to waste a good opportunity, so I tried to fit in as much as I could. So here in addition to the above is what I got up to over the weekend, and what I saw and did.

Arriving in Wales late on Friday night, the last hour of the journey was filled with a beautiful display from the skies as I drove up the M56 and A55, changing colours, formations and general pretty scenes. On might suggest it was the heavens welcoming the ashes of mums ashes back to her home town for the first time in over a decade. Finally bringing her home to rest and reunite her with her family. Other will simply say coincidence.  Unable to really stop to take pictures, I resisted the best I could until the right opportunity presented itself. Finally on the promenade of Colwyn Bay, I did however manage to take this stunning shot as the sun finally set over the hills of the Orme.

 As pointed out by a friend the main cloud in the sky is almost the formation of an angel spreading its wings across the skies. Either way, its a beautiful welcome home for mum, and a relaxing sight for my now tired eyes. What better way to settle and get some sleep for the big day which lay ahead.

The following morning I was up early, and started the day in the most relaxed way I could think. Breakfast courtesy of McDonalds at the top of the Great Orme in a deserted car park. These were the scenes which greeted me Saturday morning.




A small group of Starling were hanging around in the car park, occasionally taking flight for a short moment, then settling again. As I sat on the wall in front of the car, a large wooshing sound erupted from down the hill, and in a flash, a whole flock of starlings raced up the hillside in flight, and as they did so, the small group took flight, and were carried away in the much larger flock. Taking to the skies, they flew down the other hillside and out towards the bay. Like collecting a spirit. You can see all my thoughts and emotions this weekend had double meanings. Not being a spiritual or religious person, sometimes its hard to understand why so many almost meaningful things happen at a time like this. Or another way to see it is that at times of emotion, you look for other meanings in happenings to help cope and deal with what is happening in your life (that's far more me)

After getting some breakfast in my stomach and waking up a little, the next destination was back at the house to meet the estate agent. After recent discussions it was agreed we would meet up at the house to discuss the plan for selling it, and make some decisions on what the best strategy was. 9am is early for a meeting at the best of times, especially after a long drive the night before. But arriving a little early I was pleased to see Karen had also, so we got underway.  Lots was talked about and decided, so hopefully things are all heading in the right direction there.
The house is currently listed here....

Next on the list for the busy day Mochdre, or the Colwyn Bay Crematorium / Cemetery to be precise.

As I say, far from being spiritual, it was more moral duty and desire that brought me here. Now the self appointed keeper of the family grave site, I decided that I would take some time to make sure all was well with it, and at the same time have a little chat with mum and Joan's mum and dad who are laid to rest there. Sadly I never met them, however I thought it would be fitting to let them know their girls were coming home to be with them, and to let their sister Mary know the same, who is also laid to rest there.
Sadly the grave doesn't get too many visitors these days as family is few and far between, so I made sure things were tidy and presentable, adding a small mini rose plant there for some colour.

Forgive the slightly strange pictures included in this blog. No offence is meant to be caused by them, and they are mainly there for my memories, and for anyone interest. Not to in anyway glorify anything.



Once that was done, it was time to take a breather and some time to myself, getting mentally ready for the little trip ahead. Heading off to Conwy for a relaxing walk to the marina, I enjoyed a scenic drive, then took some time to get everything sorted (and mum in a bag) for the journey. Of course we know what happened next, its all written at the top :)

The following day, Sunday, I was up early again, and decided it would be nice to take a trip to Llanberis and Snowdonia for a relaxing drive, and some peaceful scenery for the morning. So off I went up the A55 and turning off to head into Llanberis to take a seat by the lake, and breathe some lovely fresh air, to the sounds of birds and sheep. The scenery around there has always been stunning, and is somewhere I like to spend time when time allows for it. Its one of those places I can happily be with or without company, and spend hours just looking out into the hills. So here are a few shots for you to share, and a couple of videos of the trip up and back down the winding mountain roads up to the Pyg Track path.



Up the A4086 http://youtu.be/yrDICbIbBZM
And back down the hills... http://youtu.be/oetpSgnVN6o

The last port of call for the day, quite literally, was Caernarfon and its wonderful castle. Still early in the morning I decided I would get there, park in the grounds and grab some breakfast, before taking a walk around and taking some snaps, as well as taking in the sights. So here are those snaps. I have to say, Caernarfon is probably one of the most beautiful and bold, in tact castles in the UK. Make your own mind up. With the tide low, and the boats stranded, it looks a little bizarre, but a pretty sight all the same.






So, in reality, here ends another little chapter in my life. Mum is laid to rest, Aunty Joan also. The whole Lunt family legacy is complete, and the family is once again back together in North Wales where it all begun 113 years ago with the birth of my grandfather John.
So, to John and Mary Lunt, my grandparents, Joan, Mary and Ann (mum) Lunt, may you all rest in peace for an eternity back in your home together again. R.I.P x