Hi All my partner is having trouble with a renewal of a mobile telephone contract with Talk Mobile, we declined the renewal and opted for a new contract with O2. just to make sure i am on the right track please see copy of letter to Talk Mobile and Buchanan Clark & Wells. to BCW Dear Sir Furtherto your correspondence date 27/2012 could you please supply me a copy of theclosing balance together with a breakdown of anyadded fees or interest that may have been added, also an understanding of howthe fees/charges have been calculated? I am requesting this under the provision of the CSA codes ofpractice and Office of Fair Trading debt collection good practice. Also could you please supply me with a copy of your complaintsprocedure and that any further communication to be in a written form by RoyalMail. Thankingyou in anticipation. And to Talk Mobile Dear Sir TheTwo year contract on the above ref expired in December 2011; I visited yourretail outlet Carphone Warehouse on the Snipe Retail Park Ashton under Lyne inDecember with the intention negotiating a renewal of the contract. After Two hours intensive discussion Idecided to forgo the renewal with you and opted for a better deal with O2. Unfortunately we were unable to port the samenumber but were allocated a new number. Onthe 1st of March I received the first ever invoice from Talk Mobiledated 26th. February 2012 (ie lifetime of the entire contract). As per the previous paragraph I am mindedthat the contract expired with yourselves in December 2011 and was clearly notrenewed, evidenced by my action and instruction to your agent CarphoneWarehouse. Also could you please supply me with a copy of your complaintsprocedure and that any further communication to be in a written form by RoyalMail. Thankingyou in anticipation. Any comment before posting, thanks

Thanks everybody, i have had partial success, i have just recieved a letter from Halifax and they are paying me out in full plus interest. i should recieve the cheque by the end of the month. i now have to concentrate my efforts on the charges. Accepting the ppi should give me a stronger case, as these amounts would have contributed me into having arrears on mortgage. thanks everybody!!!!!!!!!!!!!!!!!!!! ps the amount for the premiums was over £1,800.00 and the interest was over £1,300.00

Hi everyone, i have today recieved a letter from the Halifax. The letter outlines their response to my complaint. The upshot is that they feel the charges are fair and that i agreed to them being levied when i signed the mortgage contract. Also they mention the manner in which the account was conducted, ie that i went into arrears oon purpose. The PPI element has been refered to another department. The question is: Do i wait fr the verdict on the PPI, or do I just carry on with my complaint to the ombudson untill i get my reply for the PPI ?

Thanks everybody. i now have all the info from the sar and it goues back to 1995. i am now in the process of putting in my claim letter for the mortgage charges. but i am unable to find a template for the phepi reclaim. i have looked in the library but nothing is there, can anyone advise?

Hi Everyone I have had a mortgage for what seems a lifetime with the Halifax (1985/86). This was on an endowment basis. I have subsequently transferred to a repayment tracker mortgage before the proverbial hit the fan. Over the years i have successfully staved of one repossession order, but i have another for which i have made an arrangement for. I have decided to try and get back the various charges that have been levied on my account, and I have just recieved the DSAR information from Halifax (3inch thick pack). Question. How far can I go back? I have noticed that way back 2007 i was paying repayment insurance, Is this the same as PPI? (i was self employed then) Peter