Actually it may be a little past 50 now as I know a couple need updates. I think I speak for many,by saying no one could really have anticipated just how hard they have worked,and showed 100% dedication in sorting a whole range of issues for current and ex Vodafone customers. Long may the association continue a big thanks to Lee Kirsty and Tom

In addition to dx's suggestion you could also send them written complaint giving them another chance to exchange your phone. If their reply isn't the one you're after request a 'deadlock' letter so you can escalate it with their Ombudsman.

If the CCJ is no longer on your credit file it won't be on the Trustonlie either because they only keep the record for six years.

Nothing to worry about. This is part of the usual meaningless "threatening" letter chain.You will be pleased to know that Michael Sobell is under investigation by the Solicitors Regulation Authority for sending out these types of letters.

No prob, trust me I've been cramming and downloading til my eyes bleed lol!!

hear hear dx

I've deleted my original post because i have realized you are a residential tenant with a tenancy agreement, not a commercial property, right? I believe they cannot charge to attend / remove goods on the day of the levy. Besides, the removal charges are way above normal. Can you tell us the situation. How much rent was due? Did they get a CCJ against you? If so what was the total amount of the claim (inc costs). Did you let them in, or did they use a key? Try and answer these questions because there is someone on here who knows a bit about this line of business. I'll PM the person i have in mind.

The fact that they did not serve a default precludes them from enforcing the agreement, this includes repossession. So in reality that had absolutely no right to touch the car in the first place. I also think that you would still have a case for breach of Section 92 as you were coerced into giving consent so the consent was not actually a real consent as in United Dominions Trust (Commercial) Ltd v Ennis [1968] 1 QB 54 Whether you have got the car back or not is irrelevant as the fact that they repossessed it in the first place will stand regardless of what happened after that. Yes I'd definitely go with the SAR option to see exa

anybody having trouble with the interest rates variation clause of their agreements ? Dyson LJ, who was also a judge in Paragon Finance v Nash, Staunton, clarified the position regarding the relevance of interest rate variations in determining whether a credit bargain was extortionate. Dyson LJ maintained his view in Paragon Finance that the way in which an interest rate variation is operated is not a factor to be taken into account in determining an extortionate bargain. However, he also mentioned that he did not mean that the existence of such a clause could never be relevant to the question of whether the credit ba

It perhaps isn't the most tactful way of putting it, but the local authority are probably correct unless you have a contract that says that the home is your place of work and you cannot be sent anywhere else. And even if you do - what are you going to do about it? The deployment of staff and the quality of care are the employers responsibility, and within a fairly wide spectrum they can determine what needs to be done here. In terms of extra travelling to work, the local authority should have in place rules that permit additional mielage / extra costs to be claimed to a temporary place of work, so you could ask about these. It is normal

Fast and very good response from Vodafone. Keep up the good work!

Section 4(2) of the Regs covers this sort of thing. The new company inherits the obligations of the former company. http://www.legislation.gov.uk/uksi/2006/246/contents/made http://www.direct.gov.uk/en/Employment/Employees/BusinessTransfersandtakeovers/DG_176391

Good advice, but for good measure I would send the Account in Dispute letter to CQ which should make them hold fire on collection actvities. http://www.consumeractiongroup.co.uk...-is-in-dispute

There you go:- Dear Sir/Madam I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves. I/we would point out that I/we have no knowledge of any such debt being owed to your Company I am/we are familiar with the Office of Fair Trading debt collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parti