No i didnt send the letter before action ... can someone help me on what should i write on the letter ?

I have found today 1 year later the application form Ideal Homes Estate Agents (1974) the 450£ are there ticked as monthly rent for s tenacy term of 6 months ... the application never went past this form but i lost my money ... if any expert can help i woul be happy to send the form by email Please help

Hello once again my dear cagers Im a pay monthly Vodafone costumer since 3 years now , with 2 handsets with Cover me Insurance ... Unfortunately i accidentally damaged my phone breaking the LCD screen , contacted Vodafone customer service by Email (Web-form) this morning asking how could i make a claim so i could get a replacement phone under the Cover me insurance that i pay since i did both contracts (never did a claim before ) Accordingly to Vodafone website Cover me insurance Does Vodafone Cover Me insurance include accidental damage to my phone? Monthly All damage is covered on Vodafone Cover Me insurance - accidental damage (being dropped or crushed or water-damage) can be claimed under your insurance. Breakdowns, faults or software errors are covered under warranty and by repair once out of warranty. ___________________''______________ Email sent to vodafone Date: 10/6/2010 12:06:49 PM To: ccare.webmails @ help . vodafone .co .uk Subject: Claim Message: Hello i recently damaged my phone , the front screen is broken , i have vodafone cover me insurance , what i have to do to proceed with my claim ? Thank you ANSWER FROM THEM Hello Jose, I'm sorry to learn that your phone is broken. Jose, physical damages aren't covered under the claim and come under the manufacturer's warranty. You can claim for the Insurance only once your phone is stolen or lost. As the front screen of your phone is damaged, you could have it checked the nearest Vodafone Retail Store. To locate the nearest store please clickhere Alternatively, if you wish I can arrange for the postal Repair for your phone. In postal repair, I will send you a prepaid envelope with the address you need to send the phone to. You'll receive it within 3 - 5 working days. You just need to put the phone in the envelope. All the accessories like Memory Card, battery and SIM Card should be removed before placing it in the envelope. You can then post it to the nearest Post Office. In order to arrange for a postal repair please get back to us with the following details: Make and model of your phone Colour of the phone IMEI number of the phone. You can get the IMEI number by dialling *#06# on your phone. Brief description of the problem you are facing with your phone Alternate contact number If you have any data on your phone that you wish to back up (including contacts), please do so before you visit the post office. If you‘re not sure how to do this, you'll find more information in the handbook supplied with your phone or on vodafone website. Once the phone has been posted it isn't possible to retrieve information stored on the phone and it may be lost during the repair process. It will take approximately 7 - 8 working days for the phone to get repaired from the date of submission. Awaiting your reply. Kind regards, Gordon Dsouza Vodafone Customer Services We hope you have found our Email Customer Service helpful and convenient. To contact us please click Thank you for being a Vodafone customer and I hope you enjoy all that Vodafone has to offer. Vodafone has logged your email address in case it needs to contact you about other matters relating to your account. It may also be used for marketing purposes - you will soon receive an email explaining this and how you can opt out. :sad: Can anyone help me ? Regards dear cagers

This is extremelly important to know , im sorry i cant help but i would like as well to see the answer . I don't understand why no one answers ... Please anyone ?

Ok so i contacted a few days a claim agency and i opted for a no win no fee claim against lloyds , like im not english and cant do this myself they will do the claim for me charging me 25% of the total money claimed . I think its the best option for me .

Its happening the same to my account and my girlfriends account as well , went there today they say it all was written on the terms and conditions and the time the account was opened . Like they say it´s not penalties its a service and there is a fee for a service . its awful i know , i believe that in the 3 years i have the account i paid a total over 2500 in this charges .

Hi , i haven't seen successful cases recently is it because claims are not easy to do these days or because they became so easy that people dont post them here any more ? I'm going to my branch tomorrow trying to get a verbal settlement for all my account charges and my gf´s account , to see what they say before i send a letter before action, im thinking on recording with my phone the interview .

Thanks for your answers people , unfortunately the nightmare is far from the end , just checked my TSB Balance , i had 28 Pounds at the 1 of july Today 01Jul10CHG UNPLANNED O/D FEES 45.00

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even that the charges are Really excessive i think its a bit to much to go for the rigth of appropriation for now . can this charges be claimed ?

Hi Tazz , i cant help you because i am in the exactly same situation as you , the only difference is that i don't have an overdraft limit at all and they call it UNPLANNED OVERDRAFT CHARGES... so if my account is with 5£ balance and Lloyds take 7 £ for the monthly account fee my account becomes ``Nil´´ and then they send letter with charges at rates of 15 £ and 20£ a day ... Last Charge i paid was 165£ a few days ago and they already sended the next month charges more 45£ ... Does this make sense ? Anyone ???

I will tell everyone about this site to let them know the world we are today , i will print 500 C01 forms and literally hand them to people , i think 90% off population isn´t aware of this , so please people spread the word ... it will save lifes eventually ...

Hehe thanks for reply , yes im alive and 4 tooth less i feel ligther now .... I ended up going abroad to my home country for a few days to treat myself and the result was perfect : D . regards

Hello , have a little problem wich im not sure were to stand .... a few months ago me and my girlfriend we´r looking for a house to let she´s been on an agency wich i will not say the name for now... she said the agency that would keep the house they showed her and made a deposit of 450£ at that time . a few days later she went to the agency to get the contract and bring him home for us to sign. well at that point things weren´t so good between us and i said her (i dont want to move house for now) ... and i didnt sign the contract... we informed the agency that we would not go further with the letting and we ask for the deposit money back they said they wont give us the money back but if we decided to rent a house again that money will be there as a deposit ... So by law can i ask the money back ? or i´m already lucky enough to have the money there as a future deposit ? Ps. Kind regards

Found the forum today , been here for the last couple hours seems that as more i read more i want to read amazing forum and website 5 stars rating for the understanding off most members Cheers