Episode 7 Watchdog


Episode 7

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British Gas, Npower, prices going British Gas, Npower, prices going

:00:11.:00:19.

up. Barclays, money going missing. Amazon Kindles, going, going, gone.

:00:19.:00:24.

Plus T-Mobile, Santander Christian Dior. It's Watchdog, the

:00:24.:00:34.
:00:34.:00:45.

Yes, hello and good evening and Yes, hello and good evening and

:00:45.:00:49.

welcome to Watchdog. We are live as usual from Television Centre.

:00:49.:00:54.

Tonight: British Gas, Npower, Scottish Power, all increasing your

:00:54.:00:57.

electricity bills, so how come another provider has just cut them?

:00:57.:01:01.

I do feel for the families the water who are having these

:01:01.:01:05.

increases. I certainly wouldn't to be in their position. Also,

:01:05.:01:09.

Barclays still using cheques, still losing customers' money. Have they

:01:09.:01:12.

never heard of computers? Plus T-Mobile making you pay for calls

:01:12.:01:17.

including those you've never made. And the Kindle, the e-reader

:01:17.:01:23.

freezes and can't be repaired. Our car was easy to fix, it could have

:01:23.:01:26.

been done very easily and cheaply except we gave

:01:26.:01:32.

Mike Sawyer, a man who took 27 minutes just to locate a socket.

:01:32.:01:37.

Can't find the plug. Under the steering column. Beats the hell out

:01:37.:01:43.

of me. Yes, interesting guy, Mike. As well as his approach to work,

:01:43.:01:52.

there's his achingly PC opinions about the opposite sex. God invented

:01:52.:01:55.

females for decoration, procreation and housekeeping. Brains and

:01:55.:01:59.

remembering things don't come into it. Ladies, control yourselves. You

:01:59.:02:04.

will be seeing and hearing a lot more of him later. First though,

:02:04.:02:09.

electricity prices. British Gas, Scottish Power, SSE and Npower have

:02:09.:02:15.

all just announced big rises, taking the average annual household bill to

:02:15.:02:20.

�580. The companies blame a sharp rise in wholesale energy costs, but

:02:20.:02:24.

if that's the case why can providers in one part of the UK afford to

:02:24.:02:31.

This is a tale of two cities, This is a tale of two cities,

:02:31.:02:38.

Belfast and Cardiff. Both struggling to emerge from the UK's worst

:02:39.:02:43.

recession in 50 years. It's also tale of two families. Both

:02:43.:02:47.

struggling to make ends meet, but where only one can see a happy

:02:47.:02:52.

ending. That's because the price those families pay for one of life's

:02:52.:02:57.

essentials is moving in entirely opposite directions. In Cardiff,

:02:57.:03:01.

like the rest of mainland Britain, electricity is more expensive than

:03:01.:03:06.

ever before and it's set to go up again. In Belfast, bills are coming

:03:06.:03:12.

down. Recently, prices have dropped by as much as 14%.

:03:12.:03:19.

Northern Ireland's biggest energy company, Power NI slashed its

:03:19.:03:28.

prices, taking the average household bill from �588 a year to 505. Its

:03:28.:03:34.

two local rivals followed suit. A very welcome surprise for the

:03:34.:03:38.

McWilliams family. Not very do you get such good news. We were

:03:38.:03:42.

delighted. The electricity will make a big difference to our

:03:42.:03:46.

lives. We are quite high electricity users, and we certainly do look at

:03:46.:03:50.

the amount of electricity that we do use on a daily basis and ration it

:03:50.:03:58.

where we can. Carly's monthly bills previously topped �100. After Power

:03:58.:04:03.

NI's cut this will drop to around 86. This will make a big difference

:04:03.:04:09.

to our weekly and monthly budgets. Certainly putting food on the table,

:04:09.:04:12.

my weekly shop at the local retailer is increasing all the time and

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certainly I do welcome this reduction. Contrast Carly's story

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with that of Jackie Robinson, a mother of four from Cardiff.

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time last year, Jackie was playing �25 a week on electricity. Last

:04:25.:04:31.

winter's increase took it to �30. That's more than �120 a month, and

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thanks to SSE's latest 9% rise it's going up even more. It was a shock.

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It was a shock. Especially the jump that they announced. It's a

:04:45.:04:50.

worry. Cutting back on food, clothing for the children, so this

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now is - it's the last straw, to be honest. Jackie is not alone. A

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recent report by price comparison website uSwitch claimed that 9 out

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of 10 households in mainland Britain will have to ration energy usage

:05:07.:05:11.

this winter because of the rising costs. I think they are greedy,

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very greedy, not really thinking about their customers, and how much

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trouble these people are going to get into. Because everything has

:05:22.:05:28.

gone up and basically all at once . It's actually crippled me and got

:05:28.:05:34.

in trouble with my bank. So why prices falling in

:05:34.:05:39.

and rising in every other the UK? The market in the British

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mainland is 25 times bigger. That means people have more suppliers to

:05:43.:05:48.

choose from than the three available across the Irish Sea. In theory

:05:48.:05:52.

increased competition should be driving prices down. So what's

:05:52.:05:56.

wrong? There's not as much competition on price as there

:05:56.:06:02.

to be. With each of the companies offering broadly similar tariffs,

:06:02.:06:06.

charges, that's quite a difference from the situation that we saw over

:06:06.:06:09.

a decade ago when there was greater competition on price, largely

:06:09.:06:12.

result of the fact that there more suppliers. What we have seen

:06:12.:06:17.

over the last ten years situation whereby there have been

:06:17.:06:21.

mergers, takeovers and general consolidation in the industry such

:06:21.:06:23.

that we have resulted in situation we have now, which is the

:06:23.:06:28.

big six. And, as a result, the big six suppliers effectively control

:06:28.:06:32.

the market, seemingly raising prices whenever they see fit. But in

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Northern Ireland this simply wouldn't be allowed to happen

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because it has its own regulator and the companies who supply electricity

:06:39.:06:45.

are subject to much regulation. We regulate prices at

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all parts of the cost chain, wholesale, transportation and

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retail. We have total transparency so we fully understand why our

:06:54.:06:58.

prices are what they are. GB prices, because it's a competitive

:06:58.:07:03.

and there isn't the same extent of regulation , it's more difficult to

:07:03.:07:07.

tell what is causing the price movements. Leaving things to the

:07:07.:07:10.

market alone probably doesn't adequately protect consumers. There

:07:10.:07:15.

is a need for regulation as well as promoting competition. In

:07:15.:07:18.

Ireland the amount of profit electricity companies can make is

:07:18.:07:25.

capped at 1.7%. In the rest of the UK, where no such cap exists, that

:07:25.:07:32.

profit margin can be as high as 10%. One of the ways that the regulator

:07:32.:07:37.

could look to address the issue of tariffs is to regulate directly

:07:37.:07:40.

the same way as happens in Northern Ireland. However, that would be a

:07:40.:07:43.

sizable shift from the way in which the market has operated and the

:07:43.:07:47.

regulator has behaved over few years. Lower wholesale prices

:07:47.:07:52.

of coal and gas earlier this year led to the recent drop in Northern

:07:52.:07:56.

Irish bills but despite using the same raw materials, British mainland

:07:56.:08:01.

companies are pushing prices in the opposite direction at rates far

:08:01.:08:04.

outstripping inflation, and these rises seem to have prodded

:08:04.:08:09.

government into action. I can announce, which I am sure he will

:08:09.:08:12.

welcome, is that we will be legislating so that energy companies

:08:12.:08:17.

have to give the lowest tariff their customers. Two days later the

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British regulator Ofgem announced they would make the market simpler,

:08:21.:08:25.

clearer and fairer, and would force companies to tell customers what

:08:25.:08:30.

their cheapest tariffs are, but is this enough? Introducing proposals

:08:30.:08:35.

like those put forward by Ofgem is a world away from ordering the energy

:08:35.:08:39.

companies that they must charge a certain amount for energy, so from

:08:40.:08:43.

that standpoint there won't necessarily be a direct impact on

:08:43.:08:47.

customers' bills. For the moment, giving the British regulator the

:08:47.:08:52.

power to set the prices energy companies can charge remains firmly

:08:52.:08:56.

off the government's agenda, leaving customers in Northern Ireland with

:08:56.:09:02.

lower bills; and those in the of the UK with nothing but worry. I

:09:02.:09:10.

do feel for the families across the families with young children, you

:09:10.:09:13.

know, just like myself. I certainly wouldn't want to be in their

:09:13.:09:21.

position. I increase it somewhere else.

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it's cruel. Sian Williams reporting there. SSE told us that they've

:09:27.:09:31.

reviewed the account of Jackie Robinson who you saw in our film and

:09:31.:09:35.

can confirm she doesn't need to increase her payments and may

:09:35.:09:39.

be able to reduce them. They've written to her with details of their

:09:39.:09:42.

cheapest tariff and suggested she apply for this

:09:42.:09:49.

Discount Scheme which may lead to an annual saving of �130.

:09:49.:09:55.

annual saving of � �130. Thank you, and with me now a representative

:09:55.:10:01.

from Ofgem. People will be astonish bid that film because where Ofgem is

:10:01.:10:05.

in charge prices go up, and of the UK where you are not in

:10:05.:10:08.

charge, prices go down. We need to acknowledge, we recognise that

:10:08.:10:10.

people are struggling with bills and there are things that

:10:10.:10:13.

people can do and we urge them to do, for example shopping around

:10:13.:10:17.

the best deal, but we know that that's more difficult than it

:10:17.:10:20.

otherwise be, hence our plans to reform the market, to make it

:10:20.:10:26.

simpler, clearer and fairer consumers. Yes, but what is obvious

:10:26.:10:31.

from the film is that the utility regulator in Northern Ireland can

:10:31.:10:38.

actually have a say in capping profits to 1.7%. You don't have that

:10:38.:10:42.

power on prices, do you? Well, should say that in the last four

:10:42.:10:46.

years actually Northern Ireland consumers have been paying on

:10:46.:10:51.

average 10% more for their electricity than those on mainland

:10:51.:10:54.

Britain. The price changes we see have brought them more into

:10:54.:10:58.

alignment but you are right, we don't regulate profits and prices.

:10:58.:11:02.

So are you a bit of a chocolate teapot then really? Absolutely

:11:02.:11:06.

I mean, we don't regulate prices; are there to make sure the market is

:11:06.:11:09.

working for consumers, so that can find the best deals, and

:11:09.:11:14.

actually we already know that there are better deals out there than

:11:14.:11:19.

Northern Ireland consumers pay. it's not working for consumers, is

:11:19.:11:23.

it? You were here a year ago, remind you what you said a year ago?

:11:23.:11:28.

By all means. OK, you said: we about to undertake the most radical

:11:28.:11:33.

reform of the retail market in ten years. And nothing has happened. You

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keep making loud noises but actually the prices aren't affected. The

:11:37.:11:42.

energy companies go on making huge profits. Well, actually lots has

:11:42.:11:45.

happened but you are right, we are still pushing forward with those

:11:45.:11:48.

reforms. They are the most radical reforms in a decade and that's

:11:48.:11:51.

we've got to get it right. been listening to consumers

:11:51.:11:54.

consumer groups and in particular addressing some of their concerns

:11:54.:11:57.

because we were looking at limiting a certain type of tariff. They are

:11:58.:12:01.

saying: no, we should limit number of tariffs across the market

:12:01.:12:04.

and therefore we've strengthened our reforms and we are pushing forward

:12:04.:12:07.

with them. But actually what consumers want is lower prices,

:12:07.:12:11.

never mind the tariffs, confusing tariffs, they just don't want to pay

:12:11.:12:15.

as much. Yes, and that's difficult because we were actually the ones

:12:15.:12:18.

that said a few years ago is increasing pressure on prices. We

:12:18.:12:22.

know that we have to pay for replacing ageing infrastructure, we

:12:23.:12:27.

know we have to pay to connect generation and we know that

:12:27.:12:30.

wholesale prices are pushing up. What consumers need to know

:12:30.:12:35.

they are going to pay no more than they need to for those changes and

:12:36.:12:38.

that's why we are reforming the market. But the obvious question

:12:38.:12:42.

is: why don't you have the powers that utility regulator has

:12:42.:12:45.

Northern Ireland? Then you could something about it. Well, as I

:12:45.:12:49.

said, actually Northern Ireland consumers have been paying 10% more

:12:49.:12:52.

on average than mainland Britain consumers, and also we need

:12:52.:12:57.

recognise that a third of that 14% decrease is actually because it's

:12:57.:13:00.

something called a correction and what it means is that

:13:00.:13:04.

paid more than they needed to in year before, so they are now going

:13:04.:13:08.

to effectively be recompensed. But Northern Ireland say the

:13:08.:13:13.

coming down because wholesale prices have come down, and here in

:13:13.:13:17.

Britain we are being told that wholesale prices have gone up so our

:13:17.:13:20.

bills have gone up. Actually, the other thing the Northern Ireland

:13:20.:13:24.

regulator says is that, if you can get effective competition, that

:13:24.:13:28.

give you better outcomes for consumers than regulation on things

:13:28.:13:32.

like innovation, price and service. So that's what our reforms are all

:13:32.:13:35.

about, making the market simpler for consumers, making it clearer

:13:35.:13:40.

making it fairer, so that consumers are in the driving seat and can find

:13:40.:13:45.

the best deals. Thank you. Thank you. Chris?

:13:45.:13:49.

Thanks. Energy UK which represents all the main suppliers in Great

:13:49.:13:51.

Britain say the fall in Northern Ireland is due to the market there

:13:52.:13:57.

only recently being open upped to competition. Because customers can

:13:57.:14:01.

now shop around their average bill is �5 less than for the rest of us.

:14:01.:14:06.

However, they say the mainland bills are subject to government plans to

:14:06.:14:10.

promote efficiency and to protect vulnerable customers, like

:14:10.:14:12.

Home Discount Scheme we just mentioned. They say the profit

:14:12.:14:17.

margin is �50 a year out of an average bill of �1,300 and that

:14:17.:14:21.

profit margin of around 5% is similar to other sectors like

:14:21.:14:25.

supermarkets and telecommunications. They add that �150 billion worth

:14:25.:14:28.

investment is needed to keep the country's lights on and tackle

:14:28.:14:32.

climate change and while price climate change and while price rises

:14:32.:14:35.

are never welcome they urge anyone worried about their bills to

:14:35.:14:38.

their supplier for advice and to find out if they are eligible for

:14:38.:14:48.
:14:48.:14:52.

help. If you would like to on tonight's stories here is how.

:14:52.:14:54.

Coming up, if you have an account Coming up, if you have an account

:14:54.:14:59.

with T-Mobile, be careful who you.

:14:59.:15:04.

A fuse, about 15p. A set of spark A fuse, about 15p. A set of spark

:15:05.:15:12.

plugs, about �25. A pair of brake pads, about 35 quid. Tonight's

:15:12.:15:22.
:15:22.:15:32.

Cars, they've always needed love and Cars, they've always needed love and

:15:32.:15:37.

attention and fixing them has always been a job for an expert. It takes

:15:37.:15:41.

skill, you see, dedication and good old-fashioned know-how. Just

:15:41.:15:48.

you would expect from this guy, Mr Mike Sawyer, a mobile mechanic from

:15:48.:15:53.

the Wirral on Merseyside. His glossy ad boasts of 40 years' experience of

:15:53.:15:56.

diagnosing and rectifying faults with your motor. Reassuring and

:15:56.:16:00.

what Jackie needed when her car failed to start one day last year.

:16:00.:16:04.

So what did Mike, with all that experience, actually do? He got a

:16:04.:16:09.

battery booster and he put it on my battery, I tried to turn the key and

:16:09.:16:12.

nothing happened. So he said the battery is flat and it's going to be

:16:13.:16:17.

�140 for a new battery. But then points to a part on the engine and

:16:17.:16:22.

said: there's some oil here. He said that is from your starter motor,

:16:22.:16:27.

could be a starter motor well. Mike said fixing the starter

:16:27.:16:30.

motor would cost another �400 and Jackie paid half upfront so he

:16:30.:16:37.

get the parts. But a few days later, he returned - without them. He turns

:16:37.:16:43.

up, no battery, no starter motor, not exactly sure what he has come

:16:43.:16:48.

round to do because he has got no parts or anything. Were your alarm

:16:48.:16:52.

bells ringing at this point? Yes. I phoned a garage which I've used

:16:52.:16:56.

the past. They send a couple of guys round and they have the same battery

:16:56.:17:00.

booster that he had and they connected it up, turned the key, car

:17:00.:17:04.

starts first time. In other there was nothing wrong with

:17:04.:17:08.

there was nothing wrong with the starter motor, as Mike had claimed.

:17:08.:17:13.

200 quid out of pocket, Jackie asked Trading Standards to help her get it

:17:13.:17:16.

back. They gave him a call and apparently he said "Yes, I hold my

:17:16.:17:20.

hands up, I've got the money, I never ordered anything but I can't

:17:20.:17:24.

pay her back because a mortgage payment has come out and all the

:17:24.:17:28.

money has gone on a mortgage payment". That's got to be filed

:17:28.:17:32.

under not your problem? Yes, so the money should never have gone into

:17:32.:17:37.

his account at all. It was for a part. Mmm, I will say. I will also

:17:37.:17:43.

say it is time we met Mike Sawyer ourselves because Jackie isn't his

:17:43.:17:47.

only dissatisfied customer so need a car like this Nissan Micra,

:17:47.:17:52.

Japanese technology, and you know what they say, if it isn't broke

:17:52.:18:02.
:18:02.:18:04.

you've got to break it, in nice easy to fix way. Cue all round hero

:18:04.:18:10.

Beck. There is nothing that cannot do, except fly.

:18:10.:18:15.

setting two faults is simple. First fault: disconnect the number 4 fuel

:18:15.:18:21.

injector to stop it firing. Obvious symptom: it's a light on the dash.

:18:21.:18:26.

Second problem: change the horn fuse for a blown one. Equally obvious

:18:26.:18:29.

symptom, no beep-beep. Can John us how much it should cost

:18:30.:18:34.

long it should take? The two faults together should comfortably be

:18:34.:18:37.

diagnosed and repaired within the hour and I

:18:37.:18:40.

hour and I wouldn't expect to have to pay more than �85. You

:18:40.:18:46.

see, I told you. There's nothing he can't do, except fly. Now, it's time

:18:46.:18:49.

for our usual hidden cameras rather unusual house. It's a

:18:49.:18:55.

big house in the country. Look, here is our actress Elaine playing lady

:18:55.:18:58.

of the manor. There is John, watch from the servants' quarters

:18:59.:19:03.

which is just as well because here comes Mike. Hello. Can you open

:19:03.:19:08.

your car and spring please? Remember John's words, he

:19:08.:19:15.

should be able to diagnose and fix the faults within an hour. That's 40

:19:15.:19:22.

years' experience. Can he open the bonnet? I am sure I've done it

:19:22.:19:29.

right. Having problems persuading it to release. It's normally a

:19:29.:19:34.

little lever. I don't believe this. Good start. OK, bonnet open, it's

:19:34.:19:39.

time to get technical. then? Diagnostic machine, my love,

:19:39.:19:44.

basically a computer. A very clever computer indeed. A diagnostic

:19:44.:19:47.

machine is programmed to read the information on a car's control unit

:19:47.:19:53.

which then identifies the fault which a proper mechanic will use as

:19:53.:19:56.

a starting point to investigate further. The key phrase there is

:19:56.:20:00.

"starting point". The machine identifies possible faults

:20:00.:20:04.

previous ones, so the mechanic has to narrow down the potential

:20:04.:20:08.

problems even further. Put another way, he needs to know how to

:20:08.:20:16.

use it properly. You've got about half a dozen faults. Oh my

:20:16.:20:18.

goodness. So he isn't using it properly. If he was, he would

:20:19.:20:22.

the car doesn't have half a dozen faults. It has two. He also wouldn't

:20:22.:20:29.

be coming out with stuff like this. It's like pushing a bike with the

:20:29.:20:39.
:20:39.:20:40.

No, you see it is juddering because No, you see it is juddering because

:20:40.:20:44.

John has disconnected one of the fuel injectors and it would stop

:20:44.:20:51.

juddering if he plugged it back in. Check the wiring first. We need to

:20:51.:21:01.
:21:01.:21:02.

spend a few bob on this. Here we go. According to Mike we need:

:21:02.:21:05.

It doesn't need these parts at all. It doesn't need these parts at all.

:21:05.:21:09.

This guy places so much reliance on whatever the diagnostic equipment

:21:09.:21:13.

tells him that he just accepts that's it. And he goes on to say

:21:13.:21:19.

will take time to get these parts. I was hoping you could do it today.

:21:19.:21:28.

I'm sorry, I can't. My name is not God.

:21:28.:21:33.

Make some calls, find out what these Make some calls, find out what these

:21:33.:21:34.

Make some calls, find out what these entirely different calls are going

:21:34.:21:35.

entirely different calls are going entirely different calls are going

:21:35.:21:45.
:21:45.:21:54.

Make some calls, to cost. Each? Really?

:21:55.:21:57.

And a shock to us because with And a shock to us because with

:21:57.:22:03.

labour the bill for fixing our two small faults would be �1,085. I

:22:03.:22:07.

would be because we get John to fix them instead. He is much cheaper and

:22:07.:22:12.

there's nothing he can't do, except fly. As for Mike, on your bike.

:22:12.:22:16.

Yes, but don't go too far because might want to call you out, see if

:22:17.:22:20.

you misdiagnose and again. We've seen what he said

:22:20.:22:25.

our old lady. Just what will he say to a young one? Keep watching and

:22:25.:22:31.

Thanks, Matt. Now, if you are going Thanks, Matt. Now, if you are going

:22:31.:22:34.

away this half term you might to warn your friends not to call

:22:34.:22:37.

you. I wasn't aware of this but you are outside the EU and

:22:37.:22:41.

leaves a message on your phone, can be charged, even if you don't

:22:41.:22:45.

pick up the message. How much? much as the operators want because,

:22:45.:22:49.

believe it or not, the regulators who put no restriction on it,

:22:49.:22:54.

the law that stopped them from charging you for answer phone

:22:54.:22:58.

messages within the EU place limits on what you could charge

:22:58.:23:03.

outside Europe. You know what that is, an outrage. It is, and it gets

:23:03.:23:08.

worse. Even if whoever is calling you doesn't leave a message, you can

:23:08.:23:12.

still be charged. All that needs happen is for the call to connect.

:23:12.:23:22.
:23:22.:23:23.

That seems to be T-Mobile's policy. Before we went on holiday I did

:23:23.:23:28.

check and make some calls. I deliberately left my phone in the

:23:28.:23:34.

safe so calls wouldn't be answered. I noticed that my bill was

:23:34.:23:37.

significantly higher than it have been. To come home to these

:23:38.:23:44.

fees was hard to take in. What do T-Mobile say? They currently say

:23:44.:23:47.

they charge for calls received when customers are outside the EU

:23:47.:23:52.

they are changing this policy. Meanwhile, they've refunded Tara as

:23:52.:23:57.

a goodwill gesture. We have been in touch with other networks. Orange,

:23:57.:24:04.

Vodafone and 3 told us they do not charge; O2, Virgin and Tesco do

:24:04.:24:08.

they haven't told us what they charge. Their customers will let us

:24:08.:24:13.

know. Next, ISAs, hugely popular because you don't have to pay tax

:24:13.:24:19.

the money you save. All banks offer ISAs and you can transfer yours from

:24:19.:24:23.

one to another which you might be tempted to do because a rival bank

:24:23.:24:27.

offers a better interest rate, beware, it can be the last you see

:24:27.:24:32.

of your money for some time. Welcome to the world of modern

:24:32.:24:36.

banking, our finances fused with technology to allow for instant

:24:36.:24:39.

access to our cash with trillions transferred through the ether

:24:39.:24:47.

day. That is unless you have ISA. You see, when it comes to

:24:47.:24:56.

transferring these savings it's bit like living in the olden days.

:24:56.:25:06.
:25:06.:25:07.

Remember these? Cheques. They might Remember these? Cheques. They might

:25:07.:25:10.

have looked a bit different a hundred years ago but essentially

:25:10.:25:13.

they did the same thing, moving money from one place to another. You

:25:13.:25:17.

don't see many these days, largely because those paper transfers take

:25:17.:25:22.

time, and by using modern electronic techniques instead, money can now be

:25:22.:25:26.

moved within seconds. So why many banks and building societies

:25:27.:25:33.

still using them to transfer your ISAs? Pam Wright wants an answer to

:25:33.:25:39.

that question from Barclays. They used a cheque to transfer her �7,700

:25:39.:25:45.

ice is a to Santander back in April. It was supposed to take 15 days

:25:45.:25:50.

maximum; instead, it took six months. Santander couldn't find the

:25:50.:25:54.

cheque and content looking for it. kept phoning them. In July they

:25:54.:26:00.

decided that the best thing to do was to re-present the original form

:26:00.:26:05.

to Barclays and ask Barclays to re-issue the cheque. Barclays

:26:05.:26:10.

refused to do so because the ISA had been closed, there was no money in

:26:10.:26:14.

it. Put simply, Pam's money had disappeared. I couldn't get any

:26:14.:26:18.

access to my money. I was getting concerned because I had some big

:26:18.:26:23.

purchases coming up. Eventually the cheque came to my account on

:26:23.:26:28.

October. Watchdog has heard from other viewers with similar

:26:28.:26:32.

experiences, and in some cases the figures involved have been

:26:32.:26:42.
:26:42.:26:46.

higher. John Mecklenvuarg's took weeks to transfer; while Sharon

:26:46.:26:53.

took 3 months waiting for her ISA transfer from Barclays to Santander.

:26:53.:26:57.

Why aren't the banks fixing this? What is stopping them from ditching

:26:57.:27:00.

cheques and using electronic transfers instead? There

:27:00.:27:03.

primary reasons why the want to do that. It costs a lot of

:27:03.:27:06.

money to put in a new infrastructure. The

:27:06.:27:09.

infrastructure developed in the 1970s can't handle everything that

:27:09.:27:14.

it needs to handle. Banks aren't bothered about the fact that cheques

:27:14.:27:17.

don't get processed but they are not bothered enough because there are

:27:17.:27:20.

simply not enough transactions. Let's be clear, the technology does

:27:20.:27:24.

exist today that we can put into place to make this happen

:27:24.:27:27.

minutes. However, the costs of doing that could be hundreds of millions

:27:27.:27:32.

of pounds. As for the second reason, why banks aren't investing in faster

:27:33.:27:36.

transfer technology? Well, about it. The longer they can keep

:27:36.:27:40.

your money in the system, the more interest it will earn for them. No

:27:40.:27:45.

wonder it doesn't feature high on their priority list. In their

:27:45.:27:49.

this is a tiny problem that isn't worthy of any investment or

:27:50.:27:55.

attention. Is it a tiny problem? many people are finding their money

:27:55.:27:59.

going missing, apparently caught up in the archaic system of paper

:27:59.:28:06.

transfers? Dozens? Scores? Hundreds? Well, how about 91,000? That's the

:28:06.:28:10.

estimated number of cash ISAs last year that weren't transferred within

:28:10.:28:15.

the recommended 15 days according to the Office of Fair Trading. And with

:28:15.:28:20.

the average ISA holding around �8,000 the total figure we are

:28:20.:28:26.

talking about is �728 million. And the problem isn't going away. The

:28:26.:28:30.

financial ombudsman who is tasked with sorting out disputes between

:28:30.:28:34.

customers and financial institutions is receiving 100 complaints about

:28:34.:28:39.

cash ISAs every month. And whilst Office of Fair Trading study

:28:39.:28:45.

that matters had improved, with 93% of cash ISAs going through on time,

:28:45.:28:50.

there's obviously still work to done. It's a significant

:28:50.:28:54.

improvement, but we would see more. We would like to see

:28:54.:28:59.

providers consistently meeting the deadlines. So how might they do

:28:59.:29:02.

that? According to the OFT the greatest number of delays last year

:29:02.:29:10.

came during the summer months. Why? Well, one thing we thought it might

:29:10.:29:14.

be was dealing with staff going holiday so we really want providers

:29:15.:29:18.

to plan ahead for those periods. We think that the appropriate

:29:18.:29:22.

guidelines are if place now and it's down to providers to make sure they

:29:22.:29:26.

are following best practice and implementing it consistently. So

:29:26.:29:29.

hundreds of customers complaining and millions of pounds of their

:29:29.:29:34.

savings disappearing for months at a time. Where ISAs are concerned,

:29:35.:29:38.

isn't it time for banks to step of the past and into the

:29:39.:29:46.

world? The banks should be interested in making the

:29:46.:29:50.

investment, in modernising the system so we can do away with

:29:50.:29:53.

cheques and process information electronically. Why? Because

:29:53.:29:55.

customers are going to be better served and, as a result, the

:29:55.:30:01.

should be happier because their customers are happier.

:30:01.:30:03.

Barclays have since apologised to Barclays have since apologised to

:30:03.:30:08.

Pam saying the six-month delay in transferring her ISA fell short of

:30:08.:30:10.

their usual high standards. They have now transferred it and

:30:11.:30:17.

backdated all the interest that accrued. Same is true for Sharon,

:30:17.:30:21.

whose �10,765 ISA was lost in the system for three months.

:30:21.:30:24.

Meanwhile, Santander say they an average of two days to transfer

:30:24.:30:27.

to another bank or building society, well below the industry standard

:30:27.:30:32.

target. They say they did send a cheque to Nationwide for John's new

:30:32.:30:35.

ice is a back in April but they were told it never arrived. The

:30:35.:30:40.

has now happened, they've apologised for the delay and offered a

:30:40.:30:45.

payment of �100. Both Barclays and Santander say they will be joining

:30:45.:30:49.

new scheme to enable ISAs to be transferred electronically

:30:49.:30:52.

the need for cheques. All major banks should be part

:30:52.:30:57.

by the end of January 2013. Still to come, want lashes

:30:57.:31:02.

Natalie Portman? You will need more than Christian Dior mascara.

:31:02.:31:07.

And planning to put your kindle through the airport scanner? Keep

:31:07.:31:10.

watching. watching. Back to Mike Sawyer now

:31:10.:31:16.

who has already tried to charge us massively for unnecessary work.

:31:16.:31:22.

Perhaps he had an off day, perhaps he just got greedy when he saw

:31:22.:31:28.

lovely big house we called him out to. This time it's a lovely little

:31:28.:31:30.

house with a lovely little car and what he might call a

:31:30.:31:35.

lady. Harriet is her name. Undercover research is her game. She

:31:35.:31:43.

has a 2,002 Mini Cooper, 60,000 miles on the clock, it is a smooth

:31:43.:31:48.

runner, or it is until he gets his hands on it. Yes, John is on duty

:31:48.:31:53.

again, this time setting two faults. He disconnects the control of the

:31:53.:32:00.

exhaust emissions, replaces the ABS fuse with a blown one. Both

:32:00.:32:04.

lights on the dashboard and raise two big questions, John?

:32:04.:32:10.

and how long? About 10p for a fuse, about 15/20 minutes to fix, tops.

:32:10.:32:19.

End of story. What can I say? It's my show, John. Let's not forget it.

:32:19.:32:24.

Yes, I think I've made my point. We've set the faults, we've called

:32:24.:32:34.
:32:34.:32:37.

out Mike and he has a few questions too. Just lynch.

:32:37.:32:42.

Don't worry, Hattie, Mike will find Don't worry, Hattie, Mike will find

:32:42.:32:45.

out. He whips out his diagnostic kit, the one he used incorrectly

:32:45.:32:50.

last time. He is very proud of it. It's only worth 5 grand. It's not so

:32:50.:32:55.

much the machine, it's the programmes loaded inside it. They

:32:55.:32:58.

are worth the money. Perhaps Mike and his very expensive equipment

:32:58.:33:02.

will now identify our very cheap faults. Or is it a case of "All the

:33:02.:33:08.

gear, no idea"? Step one, plug it in. It shouldn't be too difficult,

:33:08.:33:14.

should it? But for Mike it's a toughie. Is there something

:33:14.:33:18.

missing? Can't find the plug. On the steering column. It's

:33:18.:33:22.

to be right here and it is not. Don't think he has done

:33:22.:33:27.

research. Beats the hell out of me. He should have plugged it in by

:33:27.:33:33.

now. Must be hidden somewhere. It's not, but after 17 minutes of

:33:33.:33:43.
:33:43.:33:43.

searching he decides to use a lifeline and phone a friend.

:33:43.:33:46.

You know, he is charging money for You know, he is charging money for

:33:46.:33:53.

this expertise, real money. This crazy. He is being told where to

:33:53.:33:59.

look now. 27 minutes after he started he finally gets the machine

:33:59.:34:03.

plugged in and working and once again this machine means money.

:34:03.:34:08.

it a big problem when the come on? Yes, my love. It

:34:08.:34:12.

expense. It seems the trusty machine has identified some

:34:12.:34:17.

problems. Explain them to us Mike. There's a fault with that little

:34:17.:34:21.

engine sign standing up is you going: God, I've got a pain in the

:34:21.:34:31.
:34:31.:34:33.

chest, time to visit the doctor. good start. Anything stranger?

:34:33.:34:37.

I think we will leave the metaphors I think we will leave the metaphors

:34:37.:34:47.
:34:47.:34:48.

now. What is required? Right. It's not a lamba sensor, it's lambda.

:34:48.:34:54.

didn't know before today but I don't fix cars for a living, unlike Mike.

:34:54.:35:00.

He says it's essential we change ours soon. If you drive that with

:35:00.:35:03.

sensors as they are you do damage to the top of your engine.

:35:03.:35:09.

It's nonsense, of course. All he needs to do is reconnect the wires.

:35:09.:35:15.

How about that ABS light? More than likely down to a set of front or

:35:15.:35:19.

rear pads that needs replacing. Even more nonsense. The

:35:19.:35:24.

that needs replacing is a fuse. A guy who fails to consider the ABS

:35:25.:35:29.

properly, quite honestly, is bordering on dangerous. He suggested

:35:29.:35:32.

that was related to the brake pads wearing out which is

:35:32.:35:40.

ludicrous. And the cost. John the faults could be fixed for just

:35:40.:35:46.

�75 call-out fee. But Mike? bits are going to cost you 246, call

:35:46.:35:53.

it 250, plus VAT which is �300 and labour for both jobs is 180. Whoa,

:35:53.:36:02.

�480, is he charging for parts, labour and flattery? No big

:36:02.:36:08.

boyfriend to sort your problems out? No. Really? You are pretty. You

:36:08.:36:12.

want to go out to nice places in the evening, where there are millions of

:36:12.:36:16.

nice wine bars, I would take a baseball bat as well with you. Why?

:36:16.:36:19.

baseball bat as well with you. Why? Because you go around there, all

:36:19.:36:25.

the eligible fellas, you will be beating them off with a stick.

:36:25.:36:35.
:36:35.:36:36.

Lessons in love over, it's time to pay. He is charging �75 for today's

:36:36.:36:41.

labour and wants �300 upfront for the new parts. Harriet, the "little

:36:41.:36:45.

love" goes to find her purse just in case her pretty little head

:36:45.:36:50.

can't count - take the tenners out, count all the 20s together

:36:50.:36:54.

individual units and then times them by 2 and you will know how

:36:54.:36:58.

money you've got. OK. All of this and a maths lesson too. A few

:36:58.:37:02.

later he is back and the mission is to fit the front sensor, do the

:37:02.:37:05.

service, investigate the light is flashing because it needs a new

:37:05.:37:08.

fuse and hold even more uncomfortable conversations with our

:37:08.:37:15.

researcher. Want to come and have a look, baby? Have a look down there,

:37:15.:37:20.

the brake pad is virtually worn, it's beyond a safe operating

:37:20.:37:26.

parameters of the ABS system so the warning light comes on. Yours

:37:26.:37:30.

down to less than a quarter inch so you've worn away 90% of it.

:37:31.:37:36.

Rubbish. He is talking utter rubbish. How does John know it's

:37:36.:37:40.

rubbish? Because he checked the brake pads. He found they were

:37:40.:37:45.

perfectly serviceable and were worn down by about 40%, not 90%. You see,

:37:45.:37:55.
:37:55.:37:57.

Meanwhile, Mike is talking more Meanwhile, Mike is talking more

:37:57.:38:02.

figures, and giving us more pearls of wisdom on what women know about

:38:02.:38:06.

cars. This is a girl, she puts the key in, starts it, drives it. Do you

:38:06.:38:11.

even put petrol in or do you get someone else to put that for you?

:38:11.:38:17.

Of course I put my own petrol in. Well done, 50% improvement!

:38:17.:38:21.

she can take the fuel cap off and everything, take a bow. OK, he

:38:21.:38:25.

presented his bill but he says he can't replace the sensor

:38:25.:38:30.

because it has seized up. He has covered it in oil to loosen

:38:30.:38:40.
:38:40.:38:40.

Apology for the loss of subtitles for 97 seconds

:38:40.:40:17.

I'm losing all sense of self. Every I'm losing all sense of self. Every

:40:17.:40:24.

atom is concentrating hard on that small, potent powerhouse at the apex

:40:24.:40:29.

of my - what? Oh come on, what's wrong with this thing?

:40:29.:40:34.

Has your kindle frozen at the worst possible moment? You are not alone.

:40:34.:40:37.

We are constantly hearing from owners, all complaining that these

:40:37.:40:44.

handheld reading devices just keep losing the plot. Consider the sad

:40:44.:40:52.

tale of romance fan, Saskia. Her husband gave her a Kindle for her

:40:52.:40:55.

birthday in October 2010 but the love affair began to turn

:40:55.:40:59.

less than a year. When I received my Kindle after about ten

:40:59.:41:03.

had used it, there were no issues, and all of a sudden it just stopped

:41:04.:41:09.

working. As her Kindle was still within the 12-month guarantee Amazon

:41:09.:41:12.

replaced it for free but this relationship was also destined

:41:12.:41:17.

fail. So after 11 months I had again issues, so the screen froze, it

:41:17.:41:22.

wasn't working anymore. So I rang up Amazon and they said "We are really

:41:23.:41:29.

sorry but you only have a 90-day warranty". Amazon offered another

:41:29.:41:33.

replacement for �50 but for it was time to move on. She

:41:33.:41:40.

her back on the older keyboard and opted for a slimmer model, the

:41:40.:41:44.

Kindle Touch which cost her another �10. She is in a good place now and

:41:44.:41:47.

hopes that this time it will go the distance.

:41:47.:41:51.

Her story is one that we are time and time again. The screen on

:41:51.:41:56.

the Kindle freezes, leaving unable to turn the pages of the book

:41:56.:42:00.

you are already reading or access to the books you have already

:42:00.:42:05.

downloaded on the device. Amazon will give you a new one free within

:42:05.:42:10.

your first 12 months but the warranty outside that first year is

:42:10.:42:14.

just three months so if after that, you will have to pay.

:42:14.:42:24.
:42:24.:42:26.

I use my kinds within lessons, as a I use my kinds within lessons, as a

:42:26.:42:34.

dictionary and thesaurus for students. I have a sensitivity to

:42:34.:42:40.

light and I have eye strain if I look at a computer screen for a long

:42:40.:42:47.

time. That's why I chose a and I'm so reliant on it. Katie's

:42:48.:42:53.

Kind froze as did the replacement, but as it was after ten

:42:53.:43:02.

had to pay for a new one. think the warranty is sufficient. I

:43:02.:43:05.

definitely think should be covered for up to three

:43:05.:43:09.

years because it is a fault of their own, I haven't done anything but I'm

:43:09.:43:14.

the one that ultimately has the price. E-books might be

:43:14.:43:18.

outselling hardbacks these days but this most popular of them

:43:18.:43:22.

obviously has a problem. This is a copy of last year's annual report

:43:22.:43:27.

and quite clearly, on page 45, it states it expects its devices to

:43:27.:43:31.

last on average three years. A limited expectation. The reality is

:43:31.:43:39.

often even worse. When we rang Amazon posing as new Kindle owners

:43:39.:43:44.

we asked staff how long they thought devices would last. 7 couldn't tell

:43:44.:43:49.

us. The 8th told us this: honestly, the way they make these devices

:43:49.:43:53.

these days they have a these days they have a shelf-life of

:43:53.:43:59.

about a year. We only have a warranty for a year. So Amazon do

:43:59.:44:04.

seem to know their Kindles have short shelf-life but don't seem

:44:04.:44:08.

be doing anything about it. All this from a customer who say they

:44:08.:44:16.

to be the most customer-centric Earth. What I need is an expert in

:44:17.:44:24.

photonics and experimental condensed matter physics. Professor Chu

:44:24.:44:28.

speaking. Fancy that. The Professor works for the University of

:44:28.:44:35.

Cambridge and just loves experiment. Now, electrical charges

:44:35.:44:43.

inside the Kindle cause letters to show on the screen but static could

:44:44.:44:48.

affect the process, forcing the screen to freeze. What I'm going to

:44:48.:44:52.

do now is use electrostatic discharger to discharge into the

:44:52.:45:02.

display. Stand back. Wow t went completely black now. Yes. You

:45:02.:45:08.

arguing that could happen to a normal working Kindle, suddenly an

:45:08.:45:11.

electrostatic field gets in there and affects the mechanism?

:45:11.:45:16.

that's what we tried today, that's starting from a perfect Kindle and

:45:16.:45:20.

that's the end result you've got. Testing out the theory in a lab is

:45:20.:45:23.

all well and good but what about in the real world? A number of users

:45:23.:45:28.

have told us their devices froze shortly after passing through

:45:28.:45:32.

airport scanners. Could there be an explanation here? If you take off

:45:32.:45:40.

your jumper in a very environment and put your Kindle in

:45:40.:45:45.

an insulated tray, put your jumper on top of it, it could discharge

:45:46.:45:49.

into the Kindle. So you are saying the process of the x-ray, taking

:45:49.:45:55.

my jumper, creating static, creating a field that could affect it?

:45:55.:45:59.

There's a possibility of that. Whatever the cause of the problems,

:45:59.:46:04.

Kindle owners want Amazon to get to grips with it. More than 150 have

:46:04.:46:07.

contacted Watchdog and complaints they have, well,

:46:07.:46:11.

could write a book. Amazon told us they have ten of

:46:11.:46:14.

millions of customers around the world including many using earlier

:46:14.:46:19.

generations of the device daily. The particular model we

:46:19.:46:22.

third generation one they began shipping more than two years ago.

:46:22.:46:24.

small number of customers have contacted them about this

:46:25.:46:29.

but for those who do encounter it they provide a replacement. Yes,

:46:29.:46:33.

about if that replacement goes wrong it seems it is only covered

:46:33.:46:36.

three months? Yes, we did put that to them but they didn't respond

:46:36.:46:41.

further. Thank you Amazon and you everyone who has been in touch

:46:41.:46:49.

about that story. Here's a few more. Three basic rules for life: you

:46:49.:46:53.

don't spit into the wind, don't eat the yellow snow and you don't upset

:46:54.:46:58.

Trekkies. Sadly that's what the organisers of Star Trek Destination

:46:58.:47:03.

London have boldly gone and done. The weekend event brought together

:47:03.:47:09.

all five Star Trek captains and Bakula - for the first time, but

:47:09.:47:14.

instead of being impressed some Trekkies complained of overcrowding,

:47:14.:47:19.

poor signage and tatty exhibitions. Admission was �29 but there

:47:19.:47:24.

complaints about the cost of merchandise with one

:47:24.:47:29.

the organisers like the Ferengis, a race of greedy merchants

:47:29.:47:34.

planet Ferenginar. Organisers deny overpricing, saying this was

:47:34.:47:38.

convention aimed at hardcore fans and despite attracting

:47:38.:47:42.

visitors there were only a handful of complaints. As for the

:47:42.:47:52.
:47:52.:47:53.

disgruntled Trekkies, well, they just canno take it anymore.

:47:53.:47:55.

A new superfast mobile service is on A new superfast mobile service is on

:47:55.:48:02.

the way but you need to study the deals. EE says its new 4G service,

:48:02.:48:06.

up to five times faster than 3G, will be available from next week

:48:06.:48:10.

customers will have to pay up to a month for the privilege of

:48:10.:48:15.

able to watch TV on the go and download a movie in ten minutes. The

:48:15.:48:22.

cheapest contract starts at month but if you download data at

:48:22.:48:26.

new peak speeds you will get through your monthly allowance in just three

:48:26.:48:31.

minutes and 25 seconds. EE says the �36 plan is for people who browse

:48:31.:48:36.

and do emails without having to wait. It's not for heavy users.

:48:37.:48:41.

Downloading your film won't come out of your data allowance and those who

:48:41.:48:45.

use more data than planned will simply be prompted to buy an

:48:45.:48:50.

additional bundle from �3. Still, your entire allowance in 3 minutes

:48:50.:48:54.

and 20 seconds, that's superfast.

:48:54.:48:59.

Christian Dior promising women fabulous lashes just like Natalie

:48:59.:49:02.

Portman. According to this ad, you had to do was apply their

:49:02.:49:08.

mascara to get a spectacular multiplying effect. Alas

:49:08.:49:14.

to say the photo had been retouched and the Thor actress' lashes had as

:49:14.:49:23.

much to do with Photoshop technology as the mascara. Dior say it was used

:49:24.:49:26.

minimally to increase thickness and volume, but

:49:26.:49:29.

Standards Authority wasn't impressed. It said Dior had

:49:29.:49:39.
:49:39.:49:41.

exaggerated the effectiveness of the product. The ad has been banned.

:49:41.:49:44.

Beaming back to the Wirral now, Beaming back to the Wirral now,

:49:44.:49:48.

mobile mechanic Mike Sawyer tried to charge us more than �1,000 to fix

:49:49.:49:53.

non-existent faults on a Nissan Micra. Then he hit us with a �475

:49:53.:49:57.

bill to repair simple problems a Mini Cooper. Work we are

:49:57.:50:01.

waiting for him to actually out. Now our researcher Harriet has

:50:01.:50:05.

already had one or two uncomfortable chats with Mike so this time she has

:50:05.:50:12.

asked her brother to do the chasing. And this is him, hippy dippy Dan,

:50:12.:50:20.

aka chilled out Charlie. 1.00 on Friday? Yes, that would be sweet.

:50:20.:50:25.

He needs to be laid back because he keeps agreeing for dates and then

:50:25.:50:29.

Mike keeps cancelling. There absolutely nothing I could do today.

:50:29.:50:35.

Finally, he does turn up to do the work but before starting he wants a

:50:35.:50:45.
:50:45.:50:45.

Apology for the loss of subtitles for 97 seconds

:50:45.:52:04.

Nothing personal, I always count it. Nothing personal, I always count it.

:52:04.:52:11.

Has he done what he said and earnt his money? No, he lied about

:52:11.:52:16.

replacing sensors, he failed on basic parts of the service like

:52:16.:52:21.

checking steering, wipes, the lights, he didn't change the oil

:52:21.:52:23.

filter but did change the air filter, even though

:52:23.:52:31.

And that extra 20 quid he tried to And that extra 20 quid he tried to

:52:31.:52:35.

charge at the end was for wiring he caused through poor workmanship.

:52:35.:52:41.

Nice touch, Mike. Here we go again, final call-out for our man and

:52:41.:52:47.

time I'm with John in the hide. We've got a new car along

:52:47.:52:54.

stooge on the drive and now got Mike. Ooh. Good afternoon.

:52:54.:52:58.

Hello, how are you? Fine, thank you. This time John has been set

:52:58.:53:05.

the most straightforward of faults. All Mike has to do is check them

:53:05.:53:08.

that would be too simple, wouldn't it? So what are you

:53:08.:53:12.

moment then? What I'm at this moment is to test your

:53:12.:53:17.

battery. Okey doke. He did this the other day. Then we will plug

:53:17.:53:20.

the diagnostic to see what it says. Out with that favourite

:53:20.:53:28.

again. Need a coil unit. Erm, no, we don't. Nor do we need an

:53:28.:53:32.

which he says we might have replace. We do need to stop

:53:32.:53:37.

going any further though, right now. Not quite what I expected to

:53:37.:53:41.

out the front door. You have been Michael but then

:53:41.:53:45.

honest the way that you deal your customers and what we've seen

:53:45.:53:51.

from the way you conduct yourself, it's something you may have been

:53:51.:53:56.

expecting, Matt from BBC Rogue Traders. How are you doing? Fine,

:53:56.:54:04.

thank you. We've seen you once again misdiagnose a problem with

:54:04.:54:04.

car in a way that was going to generate for you hundreds

:54:04.:54:06.

worth of work, and we've seen that happen on two separate occasions

:54:06.:54:11.

now. OK. Where you've - and I can tell you which ones they are. Just

:54:11.:54:17.

a sec, come round. OK. Went to the car, right? Yes. The battery

:54:17.:54:26.

is remaining on. Yes. Three reasons: battery terminal is loose?

:54:26.:54:30.

No. Loose alternator belt? No. Checked the connections in the back.

:54:30.:54:35.

No loose connections. Asked the quite clearly: was the light staying

:54:35.:54:42.

on or was it flickering? If flickering it's a voltage

:54:42.:54:46.

in the back, checked it and staying on. How much is a new

:54:46.:54:53.

alternator? I have just been quoted �230. How much is a new fuse? I

:54:53.:54:58.

haven't checked the fuses. A mini fuse, about 25p. 25p. You haven't

:54:58.:55:04.

checked them. No. Why not? Because I was offhand about the

:55:04.:55:08.

alternator. Why did you go for option that's going to cost hundreds

:55:08.:55:12.

of pounds rather than 25p? I have yet, in the last three years,

:55:12.:55:17.

found the reason an alternator isn't charging is a fuse. Mike, we've got

:55:17.:55:20.

two other cases, two other you have come out to see with us.

:55:20.:55:25.

Again we've ended up with jobs hundreds of pounds instead of your

:55:25.:55:30.

call-out fee and a minimal repair fee. But until you take it apart -

:55:30.:55:34.

you didn't have to take it The answer was there under the

:55:34.:55:38.

cover, in the fuse box. You ignored it, which would have cost us

:55:38.:55:40.

hundreds, which obviously we are not going to pay. Obviously. We have

:55:40.:55:43.

complaints from other which follow exactly this pattern.

:55:43.:55:48.

Work that didn't need doing, faults that have been missed and the

:55:48.:55:51.

expensive option being chosen. That's what happens with you, Mike,

:55:51.:55:55.

and we've seen it now on separate occasions. I think I've

:55:55.:55:58.

explained my actions on particular car. I've no comment on

:55:58.:56:03.

anything else. You won't comment on the other two? Not without checking

:56:03.:56:09.

into my records, no. OK. Go and check them then. One more question:

:56:09.:56:13.

why did you say you changed four brake pads for us? I didn't claim

:56:13.:56:17.

to change them. You said we change all four. We are going round

:56:17.:56:21.

in circles. I clearly explained - We are not, we are making

:56:21.:56:24.

allegations that you are failing answer. I don't agree. As I say, I

:56:24.:56:28.

fully answered what you have asked about this vehicle. You no longer

:56:28.:56:32.

want my services, I don't want to spend all day arguing with camera

:56:32.:56:35.

with you so I will go away, read what you've got and I will be back

:56:35.:56:38.

in touch with you. Is that fair? OK, thank you very much. Of

:56:38.:56:48.
:56:48.:56:52.

it is. Have a nice day.

:56:52.:56:57.

That's Mike the mobile mechanic, and That's Mike the mobile mechanic, and

:56:57.:57:04.

that there is 25p. Well, he has had lots of time to

:57:04.:57:07.

read all the allegations in letter and still hasn't sent a

:57:07.:57:12.

response, so tonight Mike Sawyer, bit less chatty than you saw him

:57:12.:57:17.

earlier, becomes the latest face in our rogues' gallery.

:57:17.:57:22.

Thanks, loads of unhappy owners have been in touch, all

:57:22.:57:26.

complaining about freezing and in some cases the replacements too.

:57:26.:57:31.

Energy bills: we don't want simplified tariffs but lower prices.

:57:31.:57:36.

As for the banks: how come it takes months to transfer an ISA when my

:57:36.:57:38.

whole account can be transferred in less than a yolk?

:57:38.:57:42.

less than a week? less than a week?

:57:42.:57:50.

Thanks, guys, coming up next week, Thanks, guys, coming up next week,

:57:51.:57:52.

You can, of BUPA and Axa cutting their payouts

:57:52.:57:59.

no matter what you've paid in. PPI, the banks set aside billions in

:57:59.:58:04.

compensation but some customers legitimate claims are being turned

:58:04.:58:09.

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