Ok, well I wasn't given this advice at the time - if I'd known about that would have requested it. But as it stands, tomorrow, the DD will reverse out and I will get my money back. On top of that I will get any call charges to their customer service from 3. Is this the best I can hope for? I have already escalated a claim through them and have an ofcom number. Is there any other action I can/should take to maximise my stance on the dispute as I feel the inconvienience I have had to deal with quite severe.

To clarify, they did not advise me in writing. The direct debit that came out of my bank was supposed to come out tomorrow but apparantly DD's that are supposed to come out on Monday come out on Saturdays instead.. I have evoked the direct debit with NatWest (if invoke means cancel) and as a result the money will be back in my account tomorrow. O2 said they are happy with this. I dont think bank charges etc will be an issue. The point here however is their negligent customer service which has left me with no money in my account available to withdraw from Saturday through to Monday, even though it had been cleared on more than one occasion.

Hi all, Had a really really poor disconnection with O2. Will try and explain as succinctly as possible. Upgraded my contract and had a new handset sent out. During the time it took for my handset to arrive I realised that the area I was moving to did not have 3g with O2 so I did not sign for the handset and instead returned to sender. I proceeded to disconnect with O2 and changed my network, with my PAC code etc to Three. Over the course of the disconnection I rang customer service many times, probably double numbers, was given conflicting pieces of advice and eventually was given the all clear that they had recieved the handset back and that my final bill would be calculated with me most likely in credit. On the 11th September I recieved a text to tell me my final bill would be 500.53gbp! Obviously this included the charge for the handset so rang back through, quite angrily to tell them the situation again. They admitted their mistake, waived the charges and told me they would recalculate the final bill and would recieve a text over the next 3 days. 3 days passed and I got a text saying my final bill was -5.59gbp and I needn't take any further action. Billing date comes, I wasn't really thinking about any money coming in or out of my account... £500.53 comes out of my account. As I wasnt ready for such a charge this pushed me into my red zone which will most likely affect my credit rating. The first step I took was to ring NatWest to explain the situation. They told me as the money was due to go out on the Monday, they do it on the Saturday instead. As the money hadn't techically gone out they said I could cancel the direct debit and the Monday would reverse back in on Monday. I then rang O2, explained their liability. I told them I have cancelled their direct debit and they said that is fine, and also they said they will pay the charges for ringing their customer services from a 3 handset. They have given me an OFCOM code for their complaint as well as an internal number. The main problem for me though is as this pushed me into my overdraft I have not had any money for food etc this weekend and it has been a really crappy weekend They also told me if I want to get a copy of the call logs between myself and their customer services then I need to pay £10. I believe they have treated me quite badly here and been negligent, what are the next steps?

Hi there, I am writing this on behalf of my girlfriend who is having trouble with her landlord. Ever since she moved in she has had problems with her, and from my experience she seems very stuck up and rude. My girlfriend has never been hard work or anything like that, as far as I can tell she's a nice and respectful tenant, and constantly is bombarded with rude e-mails about the state of the house when it is clean, things like that. Whenever I have come into contact with her she seems very brusque and lacking any kind of personal skills, just very very rude with us. One day I was visiting and my girlfriend had nipped to the shop and she told me I had no right to be in the house without her. This is just to paint a little bit of a picture. She also turns up uninvited to turn off the hot water to save on bills, that kind of thing. Anyway, there has been a leak on the bathroom floor. Girlfriend rang her straight away to explain the problem. She was put in contact with a plumber who came round to fix the leak and for all intents and purposes fixed it. The landlord came to inspect the leak and decided there was still water on the floor. She has since sent the girlfriend an e-mail to suggest that her plumber installs a new toilet and sink, the one she chooses (as there are not many in that style available nowadays) and that her plumber will do it at a 'reasonable' price, otherwise she could hire her own plumber. There is a small crack in the LID of the toilet which she has suggested has lead to problems with the leak and that the crack was not there when she moved in. It is not the tenants responsibility to foot the bill of any new furnishings and my girlfriend has followed correct protocols following the inception of the leak. Any ideas?

Having looked at that it's looking like no, I don't need to declare them. The D&D charge was a fixed penalty notice thus no admission of guilt thus spent immediately. The cannabis caution is a little bit more wishy washy though. Does that come under a simple caution, reprimand or warning and thus also spent immediately?

Wouldn't it be the absolutely/conditionally discharged that these two offences come under if any?

dx100uk, on what grounds? Explain disclosure laws that you know of please. Sidewinder, that was pretty much my thinking. I don't think that these small things would really prevent me from duties in the Financial sector. I am however on the sheet saying that they can CRB me, sorry I should probably have mentioned this. However I doubt it will be an Enhanced one due to not working with children or vulnerable adults.

Hey everyone, Recently obtained a decent job (YAAAAY ) after a long long time of searching. I have a criminal record disclosure form to complete. It asks the questions; Have you ever been convicted or found guilty of a court of any offence in any country (except parking) or have been put on probation (probation orders are now called community rehabilitation orders) or absolutely/conditionally discharged or bound over after being charged with any offence or is there action pending against you? & Do you know of any matters in the background which may cause your reliability or suitability to have access to suitable information to be called into question? They want a Yes/No answer to each of those questions. Now, there are two occasions on which I have had a run in with the police. Just want a bit of advice on how best to tackle the question. Firstly, I was found in possession of a small amount of cannabis about 2 years ago now in a group situation and was given a 'street caution'. We admitted that the cannabis was 'ours' and that it was cannabis and had to sign some forms and were released immediately. I was told by the copper when I asked him about it at the time this would be removed within 12 months if I did not reoffend and that I wouldn't have to tell potential future employers. However, I know that these street cautions do show up on Enhanced CRBs from browsing online. Secondly, I was arrested and had to stay in a cell for a night for being drunk and disorderly. Whilst I don't want you to be a judge jury service on this, I paid my fine on the understanding that I was not admitting my guilt. I didn't want to be dragged through the court system as I would probably lose and have a criminal record for the rest of my life and was never going to risk that. But I don't believe that I was drunk and disorderly. I just made an annoyed remark to the police man that next time they are called out to an assault they arrest the right people as they hauled seemingly unconnected and innocent people into the van. Then, I was next, handcuffs and all. I had drunk 3 pints and wasn't a danger to anyone or acting in any way aggressively, just annoyed at a ****ty handling of a situation. On that day at the police station they reminded me about the cannabis charge, which was supposed to have disappeared by then. Again, I was told not to talk about it when applying for jobs by the policeman. Now obviously as I am very pleased to get this job I don't want to write on the form that I have been caught with pot and drunk in the streets if the answer to that question is technically no. It would make me seen less of a good candidate. And also the thing with drugs is that one can not determine the level of involvement a candidate might have, and the fact I have been caught once might imply I use a lot. Which I don't. And my suitability may get thrown into the mix. I've worked bloody hard to get the job and it was one that was whittled down from hundreds and had a two day assessment centre kind of thing. However, I am under no illusion that these are not the worst crimes that could tarnish ones reputation and actually if a CRB check is likely to catch them then I would probably sooner disclose beforehand to prevent them questioning my honesty. The job is not working with vulnerable children or adults and as a result I doubt would require an Enhanced CRB. Thanks for all your help.

Triple post, mega sorry.

Double post, sorry.

When I got off the train they didn't ask me for my address, they asked me for identification. They then took my identification whilst I was questioned, and returned it later on. At no point was I asked for my address, that I can remember anyway, although my mind was whirling. The address they have is one of my neighbours 5 doors down. Hence they've just replaced the number 2 with a 3. For instance from 222 to 232. A copying error.

And for the record, the address on my DVLA card is completely correct, but I didn't recite it to them.

I didn't have anything to do with them obtaining my address - I just gave them my DVLA card and two members of the transport police took it away, whilst I was questioned and later on brought it back. So now I have to prove that too? This just keeps getting better.

And also, I'm not hugely worried if I just have to go to court and get a fine. Unless it's astronomical. Yes, it would be a trifle unfair considering the circumstances but **** happens and they have viewed my actions badly. I just don't want a criminal record as I'm not one, so having the brand of someone that is, is a worry to me. Does anyone know or can guess what they believe the punishments to be if I was found guilty of trying to defraud. Given A) I had a ticket. B) No attempt to avoid inspector. C) Complete compliance with guards, no motive stated in questions. D) Written back to express my views and that there was no motive. It's the eye witness that worries me though, given she is head of business support at the company, if she believed I was trying to be ultra discreet about it or plays it up in court then what is my defence really?

Ok, a few notes: 1. I didn't give them the wrong address so cannot be done under that byelaw, I gave them my DVLA card and they must have copied the address down wrong. Was not an error on my part. 2. What does H&S mean? This point I made to them in the letter I sent to them, basically saying that I hadn't actively thought about rubbing away the mark, but if it was marked with something that I couldn't have rubbed away then there's no problem. I would imagine that ATOC would frown upon this and there should be some law to say that you cant just do a little biro squiggle, it should be checked properly in my opinion and that means some official stamp. 3. In response to RPI, are you sure about this? It was CrossCountry trains. As aformentioned, I said in the reply if they had used a proper method of marking then there wouldn't have been any worry. In their reply they said that there were guidelines for marking tickets and this met them (somehow, not sure how). Also said that I was sitting opposite the lady that was head of business support for the company and saw me rub it away with intent and scrupilously check the mark was removed before returning it to my wallet. I will imagine that her statement will go some way for them making a quite easily resolved case against me, depending on how strongly she pushes what she believed she saw. I did wipe away the mark - or else I wouldn't be in trouble, but the way that she said I did it is just going a huge way far in my opinion. No intent to defraud, but yes, an intent to wipe the mark. It's a huge error on my part to do it, but I didn't really try to get away with any fares, had a ticket, was an idiot etc. Just don't know how easily XC will be able to prove my 'intent to defraud' that is all. The sad thing is if it does go to court I really don't know how well 'I don't know why I did it' is going to look really. Hence why I am a trifle worried despite the stupid cirumstances.