Got a phone call this morning, Lloyds TSB have paid up within 2 days of me making the complaint, thank you all for your assistance.

*********UPDATE********** I think I may have won the war and the appeal, I was paid last Friday but today I had a 2 week payment appear in my account which suggests the Appeal has been won and they have coughed up the 2 weeks money I was sanctioned for, should get confirmation through the post shortly. So the MP involved helped me and I never gave up. I even had the big boss of the Work Programme from Head Office ring me that's how much I have pushed this and they seemed worried, they were trying to get me to withdraw everything and close the matter but I beat the DWP on this one it seems. I hope the Work Programme and the DWP are more wary of sanctioning me for something so unreasonable in the future.

Worked out I have had £80 of charges in the last year, so today I have made a complaint and asked for them back and quoted BCOBS, they can't close my account because of this can they?

Lloyds TSB.

I have had around £60 worth of bank charges on my account in the last 13 months since I opened the account, they are all £10 charges for Direct Debits, can I claim them back as I am on Jobseeker's Allowance?

I went for several contracts before being offered the one by Carphone Warehouse, was turned down by other places and other networks, so dont' think that's a possibility unfortunately.

They aren't gonna cave in, I've had so many emails from them refusing to exchange.

Thank you, I will do. Also the phone was basically brand new when I offered to take it back but now as it is going to court, should I win and they have my phone back it will have been used from now until the court case ends so they will be having back a very used phone but that's not my problem.

They have broken Distance Selling Regulations though so don't think that will go down well in Court.

I think my case has strengthened after today's emails, now I am even more confident of a court win.

Thanks rebel but not sure if they can do anything, the deal was done through Carphone Warehouse and as they are the supplier, it's got to go through them, I don't think Vodafone can do much.

This will clear things up for you, forgot to post the other email I received today when I asked again about the exchange:- "Thank you for your email. As previously discussed, the only way for us to facilitate offering you a different handset would be by completely returning your current contract. We would not be able to perform a handset exchange on the tariff you are currently on. If you would like to change to a different handset, the contract would have to be completely returned. Normally this would carry a charge. However, we have made an agreement with the network to do this free of charge for you. Many thanks" So they are only offering a full return of the phone and contract and to cancel everything leaving me with nothing and if I wanted a new contract I would have to go through a credit check and would probably get refused another contract but I just want an exchange, why is that so hard?

They definitely are not offering an exchange, they are saying as I requested an exchange within the 14 day period then they are offering a gesture of goodwill by allowing me to return the phone in full and cancel the contract outside of the 14 days.

Your spot on.

They aren't offering an exchange, a full return with the contract cancelled and me losing everything is what they are offering.