I wondered when someone would pick up on the typos! So I'd get away with this if I chnge the amount hey? £50 per half day excessive. I bet judges get paid more than £9.25 per hour! Fact is if I have to take half a day (or part thereof) off work to deal with comapnies, I loose at least £50. That's the real world. Guess I'll change that bit to £5 per half hour. Mind you my half day is 7am to 12 midday. 7am - 11am Reasearch 11am - 11:30 Letter writing. 11:30-12:00 confirming reasearch & sending letter. Thats 10 x half hours @ £5 / half hour = £ 50 ? Would I get away with this?

I've dealt with the banks with the help of this site, I've responded to the private car park ticket Didn't hear any more from them. I'm more annoyed about companies trying to bully us & chargeing for not paying by direct debit or not paying on time & snowballing our bills. & I'm fighting back more. I noticed on this site other people using things like "If you write to me again, regarding this matter, it will trigger the acceptance of the fact that you will have to pay me an administration fee of £20 per letter. This is for my time and expenses." & thought I should do the same. If companies can change their terms and conditions & level of service (like dropping TV channels) why can't the consumer? I thought I'd write a general terms & conditions notice that I could include when things go wrong & I end up having to deal with companies who think they're god & have every right to my money if they decide. Perhaps someone can advice me on the legality of including such text in a letter & advice any additions/changes - must be more legal than taking hundreds of pounds out of my account when I'm paid a day late. Anyway here's what I came up with.

Hmm this had crossed my mind, as a taxi driver I was thinking I could take the goods myself & legitimally bill them for £470.

My wife purchased some goods online. The website said that they had problems & to try again later. Later in the month, she made a subsiquent order. Both orders appeared & were charged for on the credit card. My wife called them up & they expected us to pay for the return postage. I read somewhere that we did not have to pay for the return postage as an online company, sending us unwanted goods. I e-mailed the company asking for an immidiate refund & to arrange for collection of the goods, no responce. Can someone point me to the law regarding this, thanks. The item that I have been using has now stopped functioning, 1 month after receiving it - But that's a sepatate issue. Haircut.

Yep (with £20 extra to cover the charges they are set to apply next month)

Phone calls going back & forth as we speak, he's settling, but I want it in writing, so I'm watching my mailbox

Off to court tommorow!

Got a phone call from Abbey, offering £850. I told em to send it me in writing & I'd look at it. If all is in order, I think I'll take it.

Claim number: 6QZ87210 Issued: 27.11.2006 Court: MCOL transferred to Penrith Charges: £677 Interest: £329.32 Costs: £120 Total Claim: £1,126.32 Note: claiming interest at 17.9% - as the bank applied this rate of interest on the charges due to my arranged overdraft. I live in Scotland. Recieved court date of 15th March at Carlisle County Court.

Thanks, I've started my claim via MCOL and received a copy of the notice of issue sent to Defendant. I was surprised to see it was in the 'Nothampton' County Court. Does this mean I'd have to travel there if need be? I don't mind travelling to Carlisle as that's just accross the border, but Nothapton is a bit of a trek.

I would write a letter explaining what happened when you went to the branch and that you thought we had an agreement & make sure you address it to the same person who sent you the letter. & see what that does. Keep it nice & friendly but ask for a reply within 14 days. Abbey are so annoying I know. They've offered you a deal & you've accepted. If it were me I'd try to get this settled as per their offer if you can.

I'm no expert, but if that were me, you have the letter, I'd send a letter back "In responce to your letter here is a cheque for the outstanding amount, please now close the account" & keep hold of that letter from them. Don't bother with the branches. All the best.

They should have received that letter today. Who said calling them will achieve ? I just phoned them again and said:- My last months bill was £xx , this months bill is £yy because of the charges you've added. Can you take the charges off please. "What were the charges for?" Payment Failure charge & Payment handling charge. "Yes okay, I'll take those off, your new amount outstanding is £xx (same as last months bill) You will be liable if payment is late again though. Okay thank you, bye Hopefully won't get any more probs with these guys. The moral of this story is:- Give em a call & ask em to take the charges off. If that fails, write to em & keep calling them & asking. If you're on a T-mobile contract anyway, it's not going to cost you to call.

Good luck with that

I agree that the best way to deal with these situations is by letter, espesially if you think it may go to court. But, if there is a chance that a phone call can resolve the issue a) It will be quicker & b) It's not going to do any harm. - Especially if you're not paying for the call & can save time in the long run. I've got much better things to do with my time (just ask my wife:D) than write letters & sift through paperwork claiming money back, so if there's the chance of a quicker route, I'll take it. That said I'm still going to persue these people for attempting to take MY money.