Episode 5 Watchdog


Episode 5

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access to your money. Spanish hospitals demanding you hand

:00:06.:00:11.

over money. Plus, Alton Towers, TripAdvisor.

:00:11.:00:14.

LOVEFiLM. And Britain's pothole epidemic. Why

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should you pay for the damage? It's Watchdog, the programme you

:00:17.:00:27.
:00:27.:00:43.

Hello and good evening. Welcome to Watchdog. We're with you, as usual,

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for the next 60 minutes. Tonight: Banned from using your bank

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account. No access to your money. No explanation why. It is like being

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charged with a crime and not being allowed to defend yourself. Also

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tonight: This card is supposed to guarantee you free medical treatment

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in Europe. Watch out if you're going to Spain.

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Potholes damaging cars, angering drivers. We show you how to fight

:01:09.:01:12.

back. And Ideal World. Big promises from

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this shopping channel, shame about these deliveries. Tonight's rogues

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far from ideal but they do work in the TV business, so you would think

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they would know about the watershed. How are you doing there? I'm not

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going to bother with the handshake. Don't be stupid. (BLEEP). Four

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bleeps. It has only just turned eight o'clock! Very poor reception

:01:43.:01:47.

there from Gurdit Sharma, part of a family of TV rogues. He's a man who

:01:47.:01:52.

has taken our money and who's been holding on to our telly. We want it

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back, because we are on tonight, and so is he.

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First, Barclays and NatWest denying customers access to their money.

:01:57.:02:01.

Even those with a perfect credit history. The banks say they only

:02:01.:02:03.

freeze accounts when they suspect fraud. And they do it to protect

:02:03.:02:07.

you. But often they don't explain the reasons. Although they do tell

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other banks, which means those customers can't open an account

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anywhere else. The banks have eyes. They watch what comes into our

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accounts, keep tabs on what goes out, and constantly monitor our

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finances to ensure they add up. Why? Partly because of the growing risk

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of fraud. Estimated to cost the UK the �73 billion a year. It is no

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wonder banks want to stamp it out. What if in their eagerness to tackle

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fraud banks treat victims like criminals? That's how Barclays

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customer period warder left -- Peter ward has been left feeling. They

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banned the pensioner from accessing his own money for 11 days. This

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restricted availability of money for my wife and I for purchases of

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groceries and I had no assurity of continue once of payment of bills or

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anything. There was no explanation forthcoming. So what was the fraud

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exactly? There wasn't one. Suspicions had been raised because

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Peter had simply forgotten to log out of his online account. Because I

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hadn't logged out, you've given me all this distress? This upset. I had

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done nothing wrong and there's no reason why anybody should restrict

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me from having my own money. Richard emmy is a card fraud investigator.

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How does he think the bank acted? think Barclays have treated him

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completely unfairly. Because they didn't investigate the matter before

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making a vital decision. It can have an impact with direct debits and

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Standing Orders not being honoured. Just 11 days is enough to cause

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major problems. Although there was no fraud in Peter's crease the crime

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is wide -- in Peter's case the crime is weed spread. If there is

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fraudulent activity on your account you may be suspected of involvement

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yourself. For many, there'll be no explanation. For some, there could

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be no account. Under anti-money laundering laws banks don't have to

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tell customers why their account has been closed or frozen. In case they

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tip off fraudsters. And once you've been refused an account by one bank,

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you are more likely to be turned down by other banks too. That's what

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happened to one customer of this high street giant. Rajesh applied

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for a job and passed on his details for salary purposes, but he

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discovered that the company were scammers. I got in touch with Action

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Fraud and my bank account got shut down and I was not able to open any

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bank accounts anywhere with any other banks. I didn't know where to

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go. NatWest suspended his account for almost two months, only

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re-opening it after Rajesh complained to the ombudsman. During

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all of that time he was unable to bank with anyone else. If one bank

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thinks that you are guilty of fraud, it will be virtually impossible to

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open an account with any other bank until you have cleared your name. In

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this particular case it was resolved quite quickly but it still indicates

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the banks failed at the very start of a process to investigate it

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properly. I think I wasn't treated fairly. I'm the one who told them

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about the scam and at the end of the day I was the one who was treated as

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a criminal. So are banks treating innocent customers fairly when they

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are suspected of fraud? The new Financial Conduct Authority set up

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to police standards in the industry has been looking into complaints.

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The current system is clearly not fair. What shocked us was that

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people who are in this situation are being suspected of a crime and yet

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they have no way of justifying what they were doing earthquakes

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explaining what's was -- what they were doing, explaining what they

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were doing, appealing and getting a judgment. The FCA is in talks with

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all the major banks to find a way to tackle the problem, but the

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complaints still keep coming. NatWest suspended 17-year-old Jordan

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Rule's account in April. One month on it remains frozen. One day I got

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four cards off NatWest. I went into the bank and asked what it was and

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the woman said to me it was a computer error, so I thought nothing

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else of it. A couple of weeks later I received a later saying they were

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going to close my account within 14 days because of fraudulent activity

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had been going on. She had received the cards because criminals had

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opened four accounts in her name, using them to obtain payday loans.

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Even though she is too young to take out those loans themselves NatWest

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still suspected she was behind the fraud. It has caused me so much

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stress. My exams have been coming up, I've had an operation.

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Everything has been piling up. It is something I have never experienced

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before. I put my trust into this bank. Jordan is being treated

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unfairly by the bank. There is no evidence to say that they opened

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those four additional accounts. They have no evidence that we have seen

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to show that she has acted fraudulently. If she doesn't have a

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reference from NatWest, she will find it virtually impossible to open

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a normal standard bank account anywhere else in the UK. Frozen out

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by one bank, banished by them all. If fraudsters target your account,

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you could be left in the financial cold, as well as being kept in the

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dark. The one thing that is absolutely consistent is the banks'

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failure to provide adequate information. All they are doing is

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hiding behind an unwillingness to disclose information that would

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allow the customer to clear themselves. It is like being charged

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with a crime and then not being allowed to defend yourself.

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Lateef reporting there. We've since spoken to Barclays who blocked Peter

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Ward's account. They said they never freeze or close an account lightly.

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The reasons are varied, involving fraud, or even terrorism. They say

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the laws are clear about their obligation not to tip off customers.

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They recognise not giving a reason can cause inconvenience but it is

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the price of compliance with laws and regulations. Peter Ward was

:08:59.:09:03.

badly inconvenienced and he was an innocent customer. And nat weather?

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They say they don't take these decisions lightly and based on the

:09:09.:09:13.

information they stand by their decision to close Jordan Rule's

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account. They will look again if she has any more information. They

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apologised to Rajesh and he did the right thing by contacting them.

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They've contacted him, assured him his credit rating won't be affected

:09:31.:09:41.
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Twitter discussion: There was a big response to last

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week's report and one in particular. Yes, contactless cards like these.

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The ones you don't have to put in the payment machine. They've already

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been complaints from M&S customers, whose bank accounts were wrongly

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debited. Don't blame us, say M&S, our system is safe. But here's

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another company whose contactless machines definitely can take money

:10:07.:10:12.

from your account whether you like it or not.

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They are supposed to make shopping quicker and easier, no more chip and

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PIN, simply wave-and-pay. Contactless payment cards have been

:10:21.:10:26.

around since 2004-05, and they are very convenient for paying for

:10:26.:10:30.

goods. The person simply swipes their card over a reader and it

:10:31.:10:36.

debits their account up to a maximum value of about �20. Since December

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last year bus passengers in London have been able to use them too. Get

:10:40.:10:46.

on board, touch in and your card is debited, which is fine, except that

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Oyster Cards from London Transport work via the same technology. That

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means if you have one of these as well as a contactless bank card in

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your purse or wallet you can be charged for your journey twice.

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get a bus every day to work and this is payment in advance. Usually I

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keep my cards in the same wallet. Inside is my oyster, my Deb

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independent and travelcards. I noticed my credit card is being

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charged for some of the journeys. Oyster Cards and contactless payment

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cards are different technologies but the readers for Oyster Cards are

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able to read contactless payment cards as well. If a person has both

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cards in a wallet, it can subtract payment from each card. You cannot

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guarantee which card will be read. If you have already topped up your

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Oyster Card but your fare is deducted from your contactless card

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you've paid double for your journey, and it could push you into the red.

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To find I've been charged for something I didn't need or want to

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be charged for is irritating. It means that I have to contact my

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credit card provider and ask them to refund it, which takes time and

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efforts. I asked if there was anything I could do to change the

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situation, can I change my card to one which isn't contactless or

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switch it off and they said no, there's nothing I can do. With

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contactless payments being rolled out on to the underground network

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this year many more commuters will be at risk. So be careful where you

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keep your cards For people who want to avoid payment being taken from

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the wrong card they should simply separate the two, put their Oyster

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Card in one holder or wallet and the credit card in another and present

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them individually. You can also get shielded wallets that you can put

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your card inside and they can't be read by the readers until you take

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them out. Well, Transport for London says that when a contactless payment

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card and an Oyster Card are presented together in a wallet or

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purse there was no possibility of both cards being charged. But if

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they are together, the wrong card can be debited. Nice of them to let

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me know that. Well, to be fair, they did publicise

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this when the contactless payments were launched. They continue to do

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so on the countdown dot matrix system at the bus stops which I'm

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sure, Annie, you are familiar with. Of course. And they'll be used on

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the tram services later this year. Meanwhile they advise passengers to

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choose which card they want to pay with and keep it separate when

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touching the reader. Coming up: Going to Spain this

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summer? Hope you don't need to visit a hospital.

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Buenas noches y bienvenidos a malos comerciantes. Sorry, I was just

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brush being up on my Spanish for the holidays there and I forgot where I

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was. It is always the same, when I pick up a book or watch a movie, I

:13:54.:14:04.
:14:04.:14:13.

It was a Tuesday, a black and white, grey Tuesday, and the rain fell in

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sheets as thick as lead, and the BBC Weather Centre never forecast lead

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rain. I was tense, edgy. I went to light a cigarette but didn't,

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because it is illegal to smoke in the workplace, and I don't smoke. So

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I revisited an old case. A TV repair company with a rep, for

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overcharging, doing work you don't need and stealing TVs they've been

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paid to office. Their top guy was Gurdave Sharma. We've heard from

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customers who tell us that just like before their TVs are not coming back

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to them. Two years later he went to the slammer, so why was I looking at

:14:55.:15:04.
:15:05.:15:09.

him again? Yes, a tip about bad goings-on in his old neighbourhood,

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which came from Julie Creswell. I am asking for some help because I do

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not know where my TV is. This is my son, Theodore. He has down syndrome

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and his main entertainment quite a lot of times is the television.

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her set broke on machine called a company called TV Repairs R Us,

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based in Birmingham, like the other company. Funny. They had held onto

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it for 15 weeks. And when she called them? It was an answering machine

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and it said they would get back to you and your call was important.

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They never returned her call and Theodore still has no TV, like other

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customers we know about. I am sore, too, because let's face it, this is

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ridiculous. Why are we doing this 1930s stuff? They did not have TVs

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in the 1930s. Until late in the 1930s. On the subject of TV, I hate

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repeats. OK, dad's Army is brilliant but I do not like repeats of rogue

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businesses that quite frankly should have moved onto pastures honest.

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That is what we could be dealing with. The complaints about TV

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Repairs R Us are strikingly similar to those that we used to get about

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the other company. So, is Gurdave Sharma back in business? We need to

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find out, we need to break some sets. We need an expert who knows

:16:35.:16:45.
:16:45.:16:45.

about TVs inferencing detail. Meet TV and video specialist Keith Marsh.

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With 50 years in the business, you knows it all. Mind you, I have a

:16:50.:16:53.

pretty detailed knowledge of television engineering myself. Yes,

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that is a big one. It is a 40 inch Samsung. A nice TV, if it was

:17:00.:17:06.

working. What have you done to it? Taken the power source out and

:17:06.:17:10.

created 2-macro dried joints, to make the stand-by light flash.

:17:10.:17:18.

it need any parts to fix it? Not at all. The estimated cost of the

:17:18.:17:23.

repair, �80. Our sabotage does not stop with one. We are breaking a

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second one, a small, 32 inch TV with an smaller fault. We have put a

:17:31.:17:37.

blown fuse inside and an engineer should fix it in minutes. He marks

:17:37.:17:41.

the components in both televisions with a UV pen, so we will be able to

:17:41.:17:48.

tell if they actually fit any new parts. The next step is to send them

:17:48.:17:54.

to our two houses to be looked after by our two stooges. The one with the

:17:54.:17:59.

blowing huge goes to Nottingham. Tina is in Redditch. I can never get

:17:59.:18:06.

my remote to work either! Both households report their sets as

:18:06.:18:09.

broken to TV Repairs R Us, and promptly dispatched to different

:18:09.:18:15.

careers to pick them up, and who are in and out within about 2.5

:18:16.:18:19.

minutes. Quite impressive. Having selected them for repair, we know

:18:19.:18:23.

that the sets should have gone here, to the workshop in central

:18:23.:18:28.

Birmingham. But we know at least one of them has not. I is in the back of

:18:28.:18:34.

our heads, you see. Well, we don't, that would be weird. But we do have

:18:34.:18:38.

a tracker which we fitted to Tina's broken set, which starts

:18:38.:18:42.

transmitting as soon as it leaves her house. And we can see that it

:18:42.:18:47.

goes not to the city centre but out to the suburbs, to another house.

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But whose house, I hear you cry, altogether. I will tell you. The

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house belongs to this man, Sukhdave Sharma, brother to Gurdave Sharma,

:18:59.:19:06.

our old friend. It is a link, a sibling. Just like his brother,

:19:06.:19:10.

Sukhdave has had his share of run-ins with the authorities. In

:19:10.:19:13.

2011 he was given a court order prohibiting him from acting

:19:13.:19:17.

dishonestly towards customers. If he is found to do so again, he will be

:19:17.:19:25.

in contempt of that court order and could be facing prison. So, to TV

:19:25.:19:34.

companies, but do they both act in the same way. Let's find out. 2.5

:19:34.:19:39.

weeks after collecting Tina's set, TV Repairs R Us tell her it is back

:19:39.:19:43.

in working order. And the man who returns it is Sukhdave Sharma

:19:43.:19:53.

himself. What was wrong with it? There was nothing wrong with the

:19:53.:19:58.

power inverter when you took it away. Now you are charging �165 for

:19:58.:20:03.

a new one. We will need to get it checked out. Yes, it is time for

:20:03.:20:08.

expert Keith to do his thing once more. The first question is, has

:20:08.:20:14.

Sukhdave really put in a new power board, as he claimed? They have not

:20:14.:20:18.

replaced it. We marked the original with the UV pen and you can see at

:20:18.:20:23.

there. Definitely the original board. What they have done is a

:20:23.:20:26.

simple soul the job, and they have charged double what they should

:20:26.:20:33.

have. Your original estimate was �80. They have lied to us. We have

:20:33.:20:41.

been had. Yes.Now for the second question, what has happened to the

:20:41.:20:44.

other set resent for repair? You know it has been a month and I am

:20:44.:20:50.

still waiting for a call. -- the other set we sent for repair. Hold

:20:50.:21:00.

on. How convenient! What's that? But I have never taken out payment

:21:00.:21:07.

protection insurance. Well, the real phone call did eventually come in,

:21:07.:21:13.

but it turned out to be a bit of a surprise. And to know what it was?

:21:13.:21:16.

No flipping. Next, holidays. This year, 30

:21:16.:21:21.

million of us will travel to Europe, 12 million to Spain. An agreement

:21:21.:21:24.

between governments means tourists are owned by -- entitled to free

:21:24.:21:29.

emergency medical treatment as long as they produce a European Health

:21:29.:21:33.

Insurance Card, EHIC. But some Spanish hospitals have been

:21:33.:21:39.

rejecting the card, leading British tourists with big bills.

:21:39.:21:44.

The annual exodus is just weeks away. Once the schools break up in

:21:44.:21:49.

July, millions will head for Spain. Be sure to pack the proper gear, and

:21:49.:21:53.

the right lotion. But perhaps the most important item will be this,

:21:53.:21:59.

the EHIC, a free card that entitles you to free or reduced cost

:21:59.:22:02.

emergency treatment throughout the EU and a number of other countries,

:22:02.:22:07.

like Norway and Switzerland. Present it to any public hospital or clinic

:22:07.:22:12.

and you should be guaranteed the same level of care as any local six.

:22:12.:22:18.

With the cost being met by our own NHS. At least, that is what is

:22:18.:22:21.

supposed to happen. For holidaymakers like Catherine Gerard,

:22:21.:22:26.

the experience in Spain was different. Unfortunately, the day

:22:26.:22:30.

before I was due to leave, I knew I was going to have an attack of

:22:30.:22:35.

asthma. I have had asthma all my life. When I arrived at the

:22:35.:22:39.

hospital, we went to the reception area, where we preferred my EHIC

:22:39.:22:44.

card, which was dramatically waved away, and the request for only my

:22:44.:22:49.

passport. The hospital gave her the treatment she needed, so she could

:22:49.:22:53.

go on to enjoy the rest of her holiday. After she returned home,

:22:53.:23:01.

they sent her a bill for 144 euros. I thought I would not have to pay

:23:01.:23:06.

for anything. I offered my EHIC card and they waved it away. She called

:23:06.:23:12.

the number printed on the card and an adviser suggested she paid up and

:23:12.:23:17.

promised she would be reimbursed. could afford it, but a lot of people

:23:17.:23:21.

can't. I became quite incensed that the British do believe in this

:23:21.:23:27.

reciprocal agreement and we seem to adhere to it, but other countries in

:23:27.:23:32.

the EU are not doing so. How did this happen? One theory is that some

:23:32.:23:37.

Spanish hospitals are trying to bypass PE use system. They have

:23:37.:23:42.

realised they can make more money and get hold of it quicker by making

:23:42.:23:47.

tourists pay for their treatment, or claim for it on travel insurance.

:23:47.:23:50.

Whatever the reason, the number of holidaymakers who find their EHIC

:23:50.:23:56.

being rejected is rising. We have been asked to go to our members

:23:56.:23:59.

telling them about the problem because the European commission is

:23:59.:24:03.

aware of at least 100 cases of British nationals who have had

:24:03.:24:08.

problems trying to use EHIC cards in Spain. Some believe that the euro

:24:08.:24:11.

financial crisis is to blame, forcing cash-strapped hospitals to

:24:11.:24:14.

look for additional revenue. Whether or not that is true, the European

:24:14.:24:17.

commission is taking a dim view. They have announced they are taking

:24:17.:24:21.

legal action against Spain, which could see the country find. Where

:24:21.:24:25.

does that leave British holidaymakers? If you require

:24:25.:24:29.

medical attention in Spain, check that the hospital is providing state

:24:29.:24:34.

care, because the EHIC does not proper -- cover private hospitals.

:24:34.:24:39.

But if you have problems with the acceptance of your card, contact the

:24:39.:24:42.

local British Consul. There are many throughout the Spanish peninsula and

:24:42.:24:46.

they will do their best to assist you. The Spanish Ministry of health

:24:46.:24:49.

so that every hospital and National medical Centre takes care of

:24:50.:24:54.

patients carrying the EHIC. And it does not know of any complaints from

:24:54.:24:57.

patients who have been denied treatment when they produced it. It

:24:57.:25:01.

says if visitors have private health insurance as well as an EHIC vomitus

:25:01.:25:05.

for them to decide which to use, and this is explained to them in their

:25:05.:25:09.

own language. It recommends that tourists carry a current EHIC and

:25:09.:25:12.

make sure any private insurance covers them for all medical costs

:25:12.:25:16.

and eventualities. More than 2 million potholes in

:25:16.:25:20.

England and Wales, according to officials who estimate these things.

:25:20.:25:24.

They are increasing in number and size. That news for drivers, and bad

:25:24.:25:31.

news for their cars. -- bad news. You do not have to drive far to find

:25:31.:25:35.

one and you are lucky if you miss it. For those who hit them, the

:25:35.:25:40.

repair bill is more than �1 million a day. Potholes affect everyone who

:25:40.:25:47.

uses the -- Road. It is something people do not think about, but when

:25:47.:25:50.

they hit one, the effects are obvious. We have seen incidents

:25:50.:25:55.

where it is in thousands of pounds. They form when water seeps into

:25:55.:26:00.

cracks in the road, expands and contracts. As vehicles pass over the

:26:00.:26:05.

weekend surface, the road begins to collapse and crumble. Following the

:26:05.:26:10.

long cold and wet winter, the problem is worse than ever. Councils

:26:10.:26:14.

have spent �338 million on maintenance, but drivers still

:26:14.:26:21.

cannot escape the costs. Every time you hit a pothole, you are one

:26:22.:26:26.

closer to seeing your suspension fail and having to visit a mechanic.

:26:26.:26:33.

It really hits motorists in the pocket. On average, it is �270 to

:26:33.:26:37.

fix an axle suspension failure. That is a considerable amount of money.

:26:37.:26:43.

But as the repair bills rise, so do the claims for compensation. In the

:26:43.:26:47.

north-west of England alone, last year councils paid out �8 million to

:26:47.:26:51.

drivers whose cars were damaged. The trouble is, the road to getting

:26:51.:26:57.

compensation can be very bumpy. How difficult is it to make a claim?

:26:57.:27:02.

It should not be that hard because the authorities must keep roads in a

:27:02.:27:06.

decent state of repair. The problem comes when you have to prove that

:27:06.:27:11.

they have failed in their duty. And you will probably have to be very

:27:11.:27:15.

determined to do that. The sort of determined viewer who writes to us

:27:15.:27:25.
:27:25.:27:32.

To my's consumer champion is a man of the military. He is Howard Floyd,

:27:32.:27:37.

retired Army pilot from Hampshire. His complaint? Yes, pothole damage,

:27:37.:27:42.

and his consumer weapon of choice, the Freedom of Information Act.

:27:42.:27:48.

knew nothing about it but I went online and read about it. I just

:27:48.:27:51.

searched Freedom of Information Act, and it is amazing what you can

:27:51.:27:56.

request. His battle was to be fought with Hampshire County Council for

:27:57.:28:01.

damage to the car owned by his soldier son, David, caused why a

:28:01.:28:05.

large pothole on a country lane. It was a battle he was determined to

:28:05.:28:12.

win. After the incident, he deployed to Afghanistan, so he was unable to

:28:12.:28:16.

follow it through. When I saw the size of the bill, I thought, this is

:28:16.:28:24.

not fair. David's BMW sustained wheel damage when he was driving

:28:24.:28:31.

home from a friend's house. There were two cyclists coming towards me

:28:31.:28:36.

on the right of the road. Being a narrow road, I took up most of the

:28:36.:28:40.

road, so I moved to the left, which made me hit the pothole with my rear

:28:40.:28:47.

left wheel. The impact caused the wheel to crack, and the tyre to

:28:47.:28:52.

deflate. When he took the car to a barrage, he was told the repairs

:28:52.:28:56.

would cost more than �800. As he was due to serve abroad with the Army,

:28:56.:29:02.

he asked his dad to take up his complaint with the council. It was a

:29:02.:29:08.

massive pothole, four x 2'. And I had remembered that online I had

:29:08.:29:13.

come along -- come across something advising how to make claims against

:29:13.:29:19.

the council for this sort of thing. That was the prompt. By law, local

:29:19.:29:23.

councils and the highways agency must keep public roads in a safe

:29:23.:29:28.

condition. If they fail to do so and your car is damaged, you are

:29:28.:29:33.

entitled to demand compensation. But first you have to prove they have

:29:33.:29:38.

been negligent, and in order to do that, Howard made use of the 2000

:29:38.:29:43.

act. The Freedom of Information Act is a crucial tool for anybody

:29:43.:29:47.

wanting information from public authorities, which can be central

:29:47.:29:52.

government, your local council, or any organisation that has a public

:29:52.:29:56.

remit. You can get pretty much any information that a public authority

:29:56.:30:00.

holds, whatever kind. Facts and figures, stories, policies, details

:30:00.:30:04.

about anything. To make an application, you have to identify

:30:04.:30:09.

the public body you want to apply to and write saying, I would like the

:30:09.:30:14.

following information. They have to respond within 20 days, unless the

:30:14.:30:17.

information falls into one of certain exemptions, in which case

:30:17.:30:23.

they have to respond within a reasonable time. How often the

:30:23.:30:29.

council inspected and maintained the road. The reply said it had last

:30:29.:30:34.

been inspected in April that year but he had seen it before that date,

:30:34.:30:40.

meaning that the council had either missed it or failed to repair it. He

:30:40.:30:44.

compiled a detailed report with photographs, maps and measurements.

:30:44.:30:49.

In submitting his compensation claim he enclosed the repair receipts.

:30:49.:30:52.

was fairly confident because it allowed me to build a fairly strong

:30:52.:30:58.

case, a case that they were unable to argue against. They can't argue

:30:58.:31:01.

against their own facts that they have sent you. Howard was right to

:31:01.:31:05.

be confident, because two months after submitting his claim, the

:31:05.:31:15.
:31:15.:31:20.

Confirmation for Howard that the pothole had been there when the

:31:20.:31:24.

council last inspected the road. Freedom of Information Act is one of

:31:24.:31:28.

the best things that has happened in this country for a long time. If you

:31:28.:31:32.

have done your homework and you know that they are wrong, submit a claim,

:31:32.:31:36.

because you stand a very good chance of recovering the money that you've

:31:36.:31:46.

had to spend out because of their fault. Hampshire County Council says

:31:46.:31:50.

it has investigated Howard's claim and decided it was legally liable

:31:50.:31:54.

and therefore agreed to settle. It says it is not necessary to submit a

:31:54.:31:58.

request under the Freedom of Information Act, as it investigates

:31:58.:32:03.

and determines all claims applying normal legal principles. If your car

:32:03.:32:09.

has been damaged by a pothole we've put together a guide which spells

:32:09.:32:16.

out your rates. It is on our website. Bbc.co.uk/watchdog.

:32:16.:32:19.

TripAdvisor - who is really writing the reviews?

:32:19.:32:24.

Right, we've had been had by TV Repairs R Us of Birmingham. Not to

:32:24.:32:29.

be confused with other companies of similar names. They lied about

:32:29.:32:33.

putting a new part into our set and charged us double the correct cost

:32:33.:32:38.

of fixing it. Meanwhile they have had hold of another of our sets for

:32:38.:32:43.

a whole month, even though the only thing wrong with it is a blown fuse.

:32:43.:32:47.

How do they explain that then? Well, guess what? After inventing a

:32:47.:32:51.

problem with the first set, they are now lying about a fault with the

:32:51.:33:01.
:33:01.:33:03.

second. It needs an internal power supply unit. How much will that be?

:33:03.:33:09.

�145. After a month of no telly and repeated phone calls our researcher

:33:09.:33:14.

goes to collect it. Sukhdave Sharma is behind the counter, where he

:33:14.:33:23.

takes our 145 ptsdz and assures us he's fitted a brand-new part. --

:33:23.:33:31.

�145. Oh yeah? Yes, we are asked Keith our expert to give it the once

:33:32.:33:38.

over. So they said that they've replaced this whole board here.

:33:38.:33:43.

they haven't. This is the original board. We've marked the original

:33:43.:33:49.

with the UV pen and there's the mark. Yep, I can see that clearly.

:33:49.:33:53.

The indelible evidence that the company's lied to us again and

:33:53.:33:59.

overcharged us, again. But we paid �145 for that. But it didn't need

:33:59.:34:05.

the board anyway, so I don't know what the big wait was for. It is

:34:05.:34:11.

what on rogue traders we call cobblers. OK, when I set out on this

:34:11.:34:17.

investigation I wanted to know whether Sukhdave is operating like

:34:17.:34:23.

his other brother Gurdit used to. Now we can safely say that he. Case

:34:24.:34:30.

closed? Not quite, because another viewer has been in contact. He's

:34:30.:34:37.

making some serious allegations and he needs to be seriously questioned.

:34:37.:34:43.

Interview with Rob Smith about his telly. When did you last see that

:34:43.:34:48.

television? September 2012.What's happened to it since then? It has

:34:48.:34:55.

been in for repair. Tell me the whole story... Rob lives in Telford

:34:55.:35:00.

and dealt with a repair company, TV Hospital. They turned out the be

:35:00.:35:03.

based in Birmingham. They fixed the set but it didn't stay fixed for

:35:03.:35:08.

long. Within two weeks it was broken again. You called them back?Yes, I

:35:08.:35:16.

did. Six months on and �765 out of pocket, Rob still is waiting for his

:35:16.:35:21.

set to be returned. You hear some terrible things in this job.

:35:21.:35:26.

Sometimes it can get to you. Rob, what was the last programme you ever

:35:26.:35:33.

watched on this television? Mickey must Club House. That is just not

:35:33.:35:38.

right. OK then, TV Hospital of Birmingham,

:35:38.:35:43.

it seems to be up so similar tricks to TV Repairs R Us of Birmingham.

:35:43.:35:48.

Which in turn has been operating in much the same way as TV RC of

:35:48.:35:52.

Birmingham. We know the connection between these two companies. This

:35:52.:35:58.

one is run by Sukhdave Sharma. And this one was run by his brother,

:35:58.:36:07.

Gurdit Sharma, until he was jailed. But this last one... Well... So

:36:07.:36:12.

you've got the skinny by knew. We are going to ask this new company to

:36:12.:36:20.

repair another of our televisions, one that Keith's tinkered with. He's

:36:20.:36:25.

loosened the T-con cable. Obvious symptom - no sound or picture.

:36:25.:36:32.

they've got to do is check the T-con or connections to it. A qualified

:36:32.:36:37.

engineer would take one look? #24eshd find it - they should find

:36:37.:36:42.

it pretty quick. No parts required. We give it to our new stooge, Tim,

:36:42.:36:47.

who calms TV Hospital who asks if they can fix the fault and get the

:36:47.:36:53.

picture back. Sure, they said, bring it in. So he does. I phoned up

:36:53.:37:03.
:37:03.:37:10.

Hold on, who is this? Well smell my scart lead, it is only Gurdit

:37:10.:37:16.

Sharma! Like Sukhdave he has a court order prohibiting him from acting

:37:16.:37:19.

dishonestly towards his customers. As you may have guessed from his

:37:19.:37:24.

name, he is related to Sukhdave and Gurdit Sharma. But this is

:37:24.:37:30.

surprising. While carrying out surveillance on TV Hospital we later

:37:30.:37:39.

spot this figure opening up the shop. Cel kiss my Coe axe, it is

:37:39.:37:45.

Gurdit Sharma -- it is Gurdave Sharma, who was jailed in 2011. I

:37:45.:37:49.

told you I hated repeats. But it seems that repeats is what we keep

:37:49.:37:53.

getting. TV Hospital hold on to our set for weeks, just like TV Repairs

:37:53.:37:58.

R Us. They quote double what the work should cost, just like TV

:37:58.:38:02.

Repairs R Us. And when we finally lose patience and go to see them

:38:02.:38:08.

they start inhaven'ting faults like -- they start inventing faults

:38:09.:38:18.
:38:19.:38:21.

like... You know what I mean. There's nothing wrong with the

:38:21.:38:31.
:38:31.:38:35.

screen, Gurdit be. How much is a new Gurdit? You have already had it for

:38:35.:38:39.

four weeks and the only thing you need to do with it is plug in a

:38:39.:38:44.

loose cable. How much longer do you want? So at the end of this TV epic

:38:44.:38:50.

what have we learnt? Well, that the three various Sharmas you've seen

:38:50.:38:54.

are connected to a lot of different dodgy television repair companies,

:38:54.:39:00.

but they share similar MOs, one of which is keeping hold of TVs for

:39:00.:39:03.

weeks or even months while telling owners they need ridiculously

:39:04.:39:08.

expensive repairs. No wonder some owners give up. After trying to

:39:08.:39:13.

unravel this world of sets, lies and videotape is just what I'm tempted

:39:13.:39:18.

to do. I think I've got it wrong. Yeah,

:39:18.:39:23.

don't worry. We never give up. Especially now we know what Gurdit

:39:23.:39:27.

Sharma is up to. We are going to pay the TV man a visit soon, so stay

:39:27.:39:32.

tuned. Thank you Matt. Just getting an

:39:32.:39:38.

update on your e-mails, texts and tweets. Lots of you are in touch

:39:39.:39:44.

about contactless cards. Chris from Lincolnshire says he was sent one as

:39:44.:39:48.

a replacement for his credit card. He never asked for one and didn't

:39:48.:39:51.

want one but his provider said he had no choice.

:39:51.:39:55.

An e-mail from a viewer which says when she expressed concern about the

:39:55.:39:59.

security of her new contactless card, her bank said she could revert

:39:59.:40:04.

to the old type if she put in a written request.

:40:04.:40:10.

Next, Ideal World, the shopping channel where you can buy anything

:40:10.:40:16.

from growths, jewellery and gadgets, even wigs in the style of Adele. But

:40:16.:40:19.

Watchdog is getting complaints about quality, service and delivery. A

:40:20.:40:27.

shame, because those shopping channel presenters are so good.

:40:27.:40:33.

Aah, the weekend. No Annie to worry about. Time to myself. And there's

:40:33.:40:41.

only one thing I want to watch with a nice cuppa. Shopping channels. I

:40:41.:40:44.

love 'em. I could catch them for hours. The only problem is every

:40:44.:40:52.

time I switch on, they are advertising something I really need.

:40:52.:40:56.

It is called brush on a opportunity. What you do is connect it to the

:40:56.:41:02.

vacuum and you go round the window frames and suddenly your fluffy faux

:41:02.:41:08.

pass, your dusty problems have gone forever. You see what I mean? My

:41:08.:41:14.

windows are really filthy. Hold on, what's this? Five years ago I was

:41:14.:41:20.

getting a little bald on top until I found this, the hair-restoring

:41:20.:41:30.
:41:30.:41:31.

follicle foil... I don't need one of those! Do I? How do we get inside?

:41:31.:41:35.

Here we are going to introduce to you the cake-cutting kit. It

:41:35.:41:40.

involves a sharp blade on a handle. They just make everything sound so

:41:40.:41:44.

great when they are selling don't they? But it is only once you've

:41:44.:41:51.

been tempted that the problems can begin. At least if you are an Ideal

:41:51.:41:57.

World customer. Complaints? They could fill a channel of their own.

:41:57.:42:02.

In December I ordered a pressure washer from Ideal World and they

:42:02.:42:07.

promised delivery would be quick and efficient. Seventh January I

:42:07.:42:12.

received the pressure washer which should have come with two bottles of

:42:12.:42:20.

detergents. But the bottles didn't come, so the machine was useless.

:42:20.:42:25.

Unfortunately the pressure washer wouldn't work. Ideal World did sort

:42:25.:42:32.

the problem, but that's little comfort for this customer who bought

:42:32.:42:40.

this tablet for �300. I called customer service and they told us to

:42:40.:42:46.

sent the product back to then. When it was returned to us it was in a

:42:46.:42:51.

worse state. Some of the pixels were dead on the screen and when you held

:42:51.:42:55.

the tablet you got a distorted image on the screen. We contacted them

:42:55.:43:02.

again and again and again. Hell-sent the tablet back a second time. And

:43:02.:43:07.

Ideal World returned it, a second time. Still damaged. They promised a

:43:07.:43:15.

refund but she is still waiting. It is elegant, beautiful, and portable,

:43:15.:43:20.

and it tells the time. And it is time for me to change the way you

:43:20.:43:26.

live your life forever. Because this little baby can boil a kettle, make

:43:26.:43:31.

you toast, and keep you cool in the summer. All you need are these

:43:31.:43:35.

attachments. I know what you're thinking. Where have you been all my

:43:35.:43:40.

life? Yeah, now there's a question. And it is one that some Ideal World

:43:40.:43:48.

customers have been asking too. 18th October last year I ordered two

:43:48.:43:53.

Go Note laptops from Ideal World... I purchased a Karcher pressure

:43:53.:43:57.

washer from Ideal World... And the agent assured me it was ten working

:43:57.:44:01.

days and it should arrive by the third at the latest... I waited for

:44:02.:44:06.

the order to arrive. Unfortunately it didn't. Neither of them arrived

:44:06.:44:11.

and I heard nothing from Ideal World. So I had to place another old

:44:11.:44:17.

but unfortunately it didn't arrive either. Despite several e-mails they

:44:17.:44:22.

never did explain what the problem was, just sent a text saying I had

:44:22.:44:26.

been refunded. So we have goods with parts missing, goods that don't work

:44:26.:44:31.

and goods that simply just don't turn up. It is definitely worth

:44:31.:44:39.

calling customer services. Talking of which. Along with the phone it

:44:39.:44:43.

comes with wireless headphones, so if you are put on hold you can get

:44:43.:44:52.

on with your everyday chores, so no-one can fob you off. Hm, I wish.

:44:52.:44:58.

I contacted Ideal World, spent over 35 minutes on the phone They told me

:44:58.:45:03.

I couldn't claim my refund back unless I signed a non-receipt form.

:45:03.:45:07.

When I eventually got through to customer services they cut me off.

:45:07.:45:10.

They kept on telling me it was in the post but unfortunately I never

:45:10.:45:15.

received that either. Later on I get really frustrated because I couldn't

:45:15.:45:20.

get through to the customer service line, so I decided to tweet and

:45:20.:45:24.

emill. It was only after I put something on Twitter that someone

:45:24.:45:33.

came back and helped me. Ideal World say they offer an exciting,

:45:33.:45:38.

personal, convenient home shopping experience. Despite that, some

:45:38.:45:44.

customers have their own reviews. Ideal World did not keep their word

:45:44.:45:51.

or their bond. I will not be ordering from them again. Poor

:45:51.:45:57.

service, poor customer replies. I would never use them again. I will

:45:57.:46:03.

not be giving them any more money. will have to give my shopping

:46:03.:46:09.

channel amis, too. It is costing a fortune. So it is good night from

:46:09.:46:16.

me, and it is good night from him. Good night. Are you having them? Are

:46:16.:46:20.

you struggling to snooze because of snoring? Missing out on beauty

:46:20.:46:24.

sleep? I might have the answer. Snooze lotion.

:46:24.:46:32.

Quite enough from you! That the jacket is irresistible. You

:46:32.:46:37.

could stop doing this and you could do panto in great Yarmouth, the

:46:37.:46:41.

shopping channels. I have thought about it. Are you going to come with

:46:41.:46:46.

me? I have not got the face, or the frocks. You would never be able to

:46:46.:46:54.

replace me. Yes, I would. Ideal Shopping Direct Limited says

:46:54.:46:59.

the overwhelming majority of its customers are satisfied with its

:46:59.:47:03.

service, which is why they return repeatedly. It says it has

:47:03.:47:08.

occasional complaints. However, it has had a higher number of

:47:08.:47:12.

challenges than normal during a transition between customer service

:47:12.:47:16.

providers. It apologises to any customers affected. It says it has

:47:16.:47:19.

invested heavily to address this and it is pleased with the improvements

:47:19.:47:26.

it is making. Thanks to everyone who has been in touch about that story.

:47:26.:47:29.

Here are a few more. Columnar faces at Alton Towers after

:47:29.:47:32.

the first 14 loop roller-coaster, the Smiler, failed to open on bank

:47:32.:47:37.

holiday weekend. The new ride had been advertised for weeks,

:47:37.:47:40.

attracting visitors from all over the country. Just 24 hours before

:47:40.:47:43.

the opening, it announced the delay, blaming unforeseen teething

:47:43.:47:50.

problems. It now says it cannot put a timeframe on when the ride will

:47:50.:47:53.

start, but anyone who bought specifically for the opening day can

:47:53.:47:58.

get their ticket revalidated for a future date. But the problems were

:47:58.:48:01.

not that unforeseen. Just a few days earlier, it broke down on a launch

:48:01.:48:05.

event, leaving more than a dozen invited journalists dangling in

:48:05.:48:12.

midair. No giggling! As well as major celebrities, like Jessica

:48:12.:48:17.

Wright from the only way as Essex. Showbiz, Jess! One minute you are

:48:17.:48:25.

up, the next you are down. LOVEFiLM, the subscription movie and

:48:25.:48:29.

TV service owned by Amazon. You will not be seeing this advert again

:48:29.:48:33.

because it has been banned for saying you could watch unlimited

:48:33.:48:36.

content across loads of devices, even though you could not. The

:48:36.:48:39.

company said that their statement that you could access content on

:48:39.:48:44.

platforms like PS3s, iPads, Xboxes and LOVEFiLM ready TVs were correct,

:48:44.:48:48.

and they gave as much information as was possible, but the Advertising

:48:48.:48:52.

Standards Authority said they misled viewers because the entire catalogue

:48:52.:48:56.

was not available on every device, and ruled that the commercial must

:48:56.:49:01.

not run in the same form again. LOVEFiLM? Not so keen on the

:49:01.:49:08.

misleading adverts. The website offering supposedly

:49:08.:49:11.

impartial reviews of hotels, TripAdvisor. Millions check it for

:49:11.:49:15.

deciding where to book, but how reliable are they? A senior

:49:16.:49:19.

executive of one of the world 's biggest chains has admitted posting

:49:19.:49:23.

glowing reviews about his own company's hotels. And critical

:49:23.:49:29.

reviews about rivals. Peter Hook, whose Accor company owns hotel

:49:29.:49:33.

brands like Novotel, used a false name and went writing on the site,

:49:34.:49:37.

but he was caught out when TripAdvisor's new Facebook app

:49:37.:49:42.

showed his photo. He says that his reviews were based on real

:49:42.:49:46.

experience and did include positive verdicts on competitors. But

:49:46.:49:50.

TripAdvisor says he broke the rules of the website. It has removed his

:49:50.:49:55.

reviews, and what's more, Accor has given him leave of absence while it

:49:55.:50:04.

investigates. So, no stars for him. We have been featuring a couple of

:50:04.:50:08.

TV repaired businesses in the Midlands to night. Businesses that

:50:08.:50:13.

both overcharge and invent unnecessary work and both run by men

:50:13.:50:19.

called Sharma, who are related to another TV man named Gurdave Sharma,

:50:19.:50:25.

who first featured on Rogue Traders in 2009. To Mike, he is back, with a

:50:25.:50:29.

walk on role. Yes, that was Gurdave when I first caught up with him four

:50:29.:50:36.

years ago. A couple of years later he went to jail for fit teen mums

:50:36.:50:38.

for breaching court orders by continuing to behave dishonestly

:50:38.:50:43.

with customers. But he has been spotted again, opening the premises

:50:43.:50:46.

of TV Hospital in Birmingham, another repair business run by his

:50:46.:50:54.

relative, Gurdit, Gurdit Sharma. Gurdit has a habit of keeping hold

:50:54.:50:58.

of TVs and pretending they are in a worse state than they really are. He

:50:58.:51:04.

has had Rob Smith's was six months, despite rocketing �165 in repair

:51:04.:51:09.

fees. And he has had hours for four weeks, even though the only thing

:51:09.:51:13.

wrong is a loose cable. Well, we are fed up with waiting. We want it

:51:13.:51:22.

back. We are right outside the TV Hospital and we are waiting for our

:51:23.:51:29.

customer, Tim, to go inside and try and find his TV. And to be sure that

:51:30.:51:35.

Gurdit is on the premises, I am listening for a code word from Tim.

:51:35.:51:41.

As soon as I hear the word spooky, that means we are going in. Just

:51:41.:51:51.
:51:51.:51:59.

wondering what is going on with my nothing wrong with the screen. That

:51:59.:52:06.

is my cue to make an appearance. We are going in. Hello, Gurdit. How are

:52:06.:52:11.

you? Matt all right from BBC Rogue Traders. How are you doing? Not

:52:11.:52:16.

going to bother the handshake? We have left our TV with you. It did

:52:16.:52:22.

not need any new parts and you were about to say it needed a new screen.

:52:22.:52:29.

It does. It does not. The only thing wrong with it was the signal board

:52:29.:52:37.

connector was very slightly pulled out. Hang on. If you disconnect the

:52:37.:52:41.

panel or the connection, how are we supposed to know you have done that?

:52:41.:52:49.

Do a voltage test? Don't talk stupid. Get a proper TV engineer to

:52:49.:52:55.

work it out. How are we supposed to know that? Get your hands off me,

:52:55.:53:02.

mate. You just push that back in. That is the signal. It comes out of

:53:02.:53:11.

here. If you have messed about with it, how do you expect me, as an

:53:11.:53:15.

engineer for 27 years, self-employed, to work out that you

:53:15.:53:20.

have put a man-made part in there. How would we inspect you as an

:53:20.:53:25.

engineer of 27 years to diagnose a fault on television? Not when you

:53:25.:53:32.

have put a man-made fault on it. is simple and requires no part. My

:53:32.:53:37.

name is Matt all right, BBC Rogue Traders. Rob Smith actually went for

:53:37.:53:40.

your business because he thought it was local. You should not be

:53:40.:53:43.

advertising yourself as a Telford business when you are based in

:53:43.:53:49.

Birmingham. We can call ourselves what we want. You cannot pretend to

:53:49.:53:55.

be local when you are not. We did not pretend to be local. It is a

:53:55.:54:05.

name. The name is?Telford TV. you are not implying you are in

:54:05.:54:10.

Telford? We found three members of the same family doing the same

:54:11.:54:15.

thing. Are the companies linked? We have seen your brother's firm.

:54:15.:54:21.

Separate entities. There are striking similarities between the

:54:21.:54:28.

way that they operate. Gurdave does not work Mo more in the TV trade.

:54:28.:54:35.

is here doing jobs for you. He might open the shop but that is it. That

:54:35.:54:41.

is not against the law. Can we have robbed's TV back. Rob Smith from

:54:41.:54:49.

Telford. His TV is missing, �600 of television, a repair you carried out

:54:49.:54:57.

for 106 to �5 which broke straightaway. He is now on 606 �5,

:54:57.:55:03.

no TV, no repair, no money. That is thoroughly dishonest. I am not

:55:03.:55:10.

dishonest at all. Anyway, thank you very much. Can you except my shop? I

:55:10.:55:14.

will get the TV back to Mr Smith. You should not be acting

:55:14.:55:18.

dishonestly. You are hanging on to TV sets and not letting people know

:55:18.:55:24.

what is going on. He thinks it is gone forever. Six months, you give

:55:24.:55:34.
:55:34.:55:36.

up eventually. He is wrong.Cheers. Well, it is a hospital. It is a TV

:55:36.:55:43.

Hospital. But if you are going to put your TV in there, then you will

:55:43.:55:49.

be the one requiring a lot of patience. Gurdit Sharma has since

:55:49.:55:54.

reiterated that he is a hard-working TV engineer with 27 years experience

:55:54.:55:59.

and many hundreds of satisfied customers. Once again, he says he

:55:59.:56:02.

could not have diagnosed the man-made fault on the TV we sent in,

:56:02.:56:07.

which is now ready for collection. He adds that he is still planning to

:56:07.:56:11.

send Rob Smith's TV back. Well done, Gurdit. You have only had it

:56:11.:56:16.

eight months. Sukhdave Sharma insists he does not work with other

:56:16.:56:21.

family members. His businesses cover a wide area and as a result they

:56:21.:56:23.

sometimes have difficulty collecting and delivering items, which they

:56:23.:56:29.

regret. He says if any customer has a complaint, he will investigate and

:56:29.:56:32.

rectify awareness of Surrey. He is also working with trading standards

:56:32.:56:38.

to ensure he is running his business appropriately, which is nice.

:56:38.:56:42.

Tonight, he and Gurdit Sharma become the latest faces on our rogue's

:56:42.:56:49.

gallery. Thank you to everyone who has been

:56:49.:56:53.

getting in touch about potholes. We heard from one viewer earlier,

:56:53.:56:57.

Lawrence Stack, from Hertfordshire. He got so fed up with potholes in

:56:57.:57:00.

his area that he started spray-painting around them to warn

:57:00.:57:05.

drivers and cyclists. And once he did that, the council filled them

:57:05.:57:09.

in. He reckons since he started back in December, around 200 holes have

:57:09.:57:14.

been repaired, and there is one of them. We spoke to Hertfordshire

:57:14.:57:18.

council which says they were planning to fix them anyway, as part

:57:18.:57:22.

of their responsible at you to maintain the roads. How lucky is

:57:22.:57:26.

that? I love his smile and his thumbs up. Happy consumer

:57:26.:57:31.

champions, that is what we like. Please keep sending your stories and

:57:31.:57:41.
:57:41.:57:43.

tipoffs. You can do that by going to our website. You can always write to

:57:43.:57:52.

us as well. That is always available as an option. Coming up next week,

:57:52.:57:56.

making an insurance claim - why companies like Tesco are reluctant

:57:56.:58:00.

to pay out. Plus, Apple, how children can run up big bills with

:58:00.:58:04.

their so-called free apps. And ordering a restaurant takeaway

:58:04.:58:09.

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