Hi, I received an email from BT, they are changing their termination charges, however is this deemed as a contractual change, can I terminate before the new charges come into effect. Details listed in the link. http://www.productsandservices.bt.com/consumerProducts/dynamicmodules/pagecontentfooter/pageContentFooterPopup.jsp?pagecontentfooter_popupid=26746&s_cid=con_FURL_termcharges

Hi, I cancelled my sky subscription due to it costing me too much, I am trying to move to BT, (much cheaper). However sky have put a pending cease on my line, when I cancelled sky I also cancelled the D/D, I received a bill from sky for -85p, spoke to BT and gave them the MAC code, but sky are now wanting £95.00 to lift the pending cease. Sky have explained that my services are due to be restricted due to non payment, but have also informed me that they will issue a refund for any overpayment on the account. The problem being is that sky are denying any knowledge of the -85p bill ever being issued ( how convienent), so what do I do, bt have advised me to contact sky and tell them I am staying with them, and the pending cease will be lifted, but surely if I say I am saying it will bind me into a 12 month contract. HELP HELP.

Hi I sold my car to my niece in Jan 2011, however I popped back into my house to get the spare key and my niece drove off thinking I had finished. I had the cash in hand and rang my niece to say the paperwork ( already signed & dated) was still in the car, she said she would pop it back and send the other part to the DVLA, ok this is where it gets annoying, I did not see her again, but she was still driving the car around accruing tickets, both parking & speeding and because the paperwork was not sent off, the tickets keep coming to me. I have rang the local police station and they inform that no crime has taken place, because she has taken the car with my consent. Right now, I have just been informed that the car has been scrapped but I am still at my wits end about it all. I do not have an address for my niece and she does keep some rather unpleasent company.......... ....What do I do.

Hi, I recently sold a phone on EBAY, it was a phone I used everyday, however when the buyer recieved the phone he opened a "item not as described" case against me. The problem was that I had put the wrong charger in with the phone, I have offered to send the correct charger but now they want a full refund. Right now has Ebay/paypal got the right to withdraw the funds from my account to reimburse the buyer, checking the feedback on this person and it seems to follow the same case, buy something, complain then get the money back, the phone is in good nick and works fine however upon recieving the goods back the spare battery is missing and they deny there ever being a spare battery packaged with it. Do I A) send the phone back with the proper charger B) close both my paypal & ebay accounts ( naughty I know) I have over a 1000 positive feedback and only one negative in over 10 years of trading on Ebay.

Many many thanks for the templates & advice.

The company is called Commercial Credit and the telephone number is 0871 3841052

Wow, thanks for the quick reply, however my In-laws will take one look at the letter and see the bit about I now require all further correspondence from your company to be made in writing only. and then they will get in a tizz over that aswell, could I re word the letter to include that all communication should stop. Also what if the company refuse to give there name. But not being negative, thanks for your reply

Hi Guys, My In-laws are getting very angry because they are recieving telephone calls from Bailiff, Companies etc, the companies are trying to get hold of me. They are also getting mail from the above, I opened 1 of the letters and it is for an old debt ( paid!!!!), however they are ringing 4-5 times a week despite my In-laws telling them that I no longer live with them ( I stayed with them for a month ). They have registered with the TPS, but what I was thinking that the next time they ring would it be a good idea for my In-laws to request the name of the company, and then send the company a letter requesting that all communication should stop with immeadiate effect. Please help guys ASAP, my In-laws are on the point of disowning me.

Cheers for the info, However my In-Laws are more than likely to tell them our new address so they won't have to deal with it anymore, also they are livivng in rented accomodation and they have nothing to rub together. So should I just get them to mark any mail "Not Known At This Address"

Hi Guys, I have set up a D/D to pay my Council Tax arrears, however I got a letter in the post from the bailiffs demanding full payment. When I did a means test form it worked out I could afford to pay £20 a month,but this was rejected out of hand by the council because the size of the bill (£700) so they said a minimum of £50 a month, so I set up the D/D. However I missed the 1st D/D because there was not enough money in my account, but it went out a short while later,I have tried to ring the bailiffs on numerous occasions but they have not answered. But here is the main stumbling block my house was repossessed and we moved back up country to my in-laws, and all the mail goes to my in-laws, but we have since found a nice rented place, but we don't want the bailiffs calling round to our rented place because my landlord lives next door and he would kick us out if they came calling. Where do I stand with all this, Guys I need help, letter templates etc. Time is ticking. T.I.A.

Hi Guys, just got off the phone to those parasites Swift and they have informed me that my account stands at 35k, when I asked how does a 15k loan turn into a 35k one, they simply replied, arrears, late payment charges etc, but they have promised me a breakdown of these fees(not holding my breath). If I get these documents is anybody willing to scrutinise them for me and see how illegal the agreement was. PS thanks guys for the help so far.

Hi Guys, Just got of the phone to Ge Money (mortgage) and they have sent the surplus to Swift today grrrr!!!!!!!!!!!!!!!,Help me, I need to reclaim the excess but dont know how.

Cheers for that, but I owe Swift around 23k and from the sale there will be a surplus of 20k, could/should I contact Swift and see if they would accept that surplus as a final payment.

Hi, I had my house repossessed by Swift Parasites last year, however my mortgage company GE Money hold the 1st charge. Is there any way I can stop GE Money handing over the remainder of the monies to Swift Parasites.

Hi Guys, wow thanks for the replies, however I do nit have the original documents to hand, so I take It I do a SAR now.