Hi Could anyone offer any advice please? I am in dispute with BT at the moment, I have rung them on 3 occasions and written to them on 3 occasions (never received a reply). I require the PAK codes from them to enable me to transfer my number, they are witholding these as the account is in arrears. They are trying to send me out yet another phone and modem (3rd one) and after spending another 2 hours on the phone still will not close my account. Can they legally withold my code even though they have never responded to my letters? Many thanks. Ps. I have written to them stating that it's unlawful to keep chasing for money when the account is in dispute and they will not provide the information requested - have copied to westcot.

Hi - Edited above message to add. Have just checked my statement and from the 15,000.00 loan only 12,700.63 was credited to my acount - can I assume the difference is the PPI?

Hi Wondered if anyone could help me with reclaiming PPI please? I wrote to HSBC 2 weeks ago requesting details of 2 loans I've had with them, just received a photocopy of the agreement for 1 of the agreements. They haven't split PPI details and haven't stated if the loan was repaid early - I did request all these details at the time. Can I caculate the PPI from this information, if not what do you suggest I do next? Amount of Loan 15,000.00 Interest 9.5% p.a. Arrangment fee 150.00 APR 10.5% Repayment Initial 376.33 47 further monthly payments of 376.81 Also do I need to write to them again to request details of the second loan? Many thanks for your help.

I have tried to claim back my late fees from M&S but they have sent a letter stating that they are not refunding anyone to ensure all customers are treated fairly. Does anyone know whether this is correct or is it worth pursing? Many thanks. Sazbot