Hello, I was wondering if I could get some advice. I opened a student account with Nationwide a couple of months ago and have used it for a couple of daily living expenses. The first student loan payment is due to go into the account in August. This is my first year at university and prior to this, worked full time. I received a tax rebate from HMRC of around £1000, this was sent to me as a cheque. I deposited the cheque into my Nationwide account and it was promptly frozen. I had been trying to access my banking app for a number of days however it simply showed the message 'you have no current accounts with us'. I couldn't use my debit card so contacted Nationwide who initially refused to tell me anything. After a lengthy discussion with customer services, I was informed that the account had indeed been frozen (as opposed to my initial worry that someone had accessed my account) but I could not be told why, who made that decision or when it would be reviewed. Further complaint revealed that I could be contacted up until the end of this month (making that around 4 weeks since freezing the account). I was told, if possible, to visit my local branch. I went into my local branch the same day and took the letter from HMRC that the cheque came with, the receipt from the bank where the cheque was deposited and my ID. The bank manager contacted whichever department at Nationwide and explained the situation. He was told that my account would not be unfrozen and I was told to wait until the fraud team contact me. Whoever he spoke to on the phone then seemed to suggest that it was against their student account terms and conditions for me to work. I had to answer questions about the hours I worked before I highlighted the fact that the rebate is from the previous tax year and had nothing to do with my current, full time university student status (which required proof upon opening the account). I made a complaint to customer services in the initial phone call, stating that I was unhappy to not be contacted (only realising when my debit card did not work) and that initially, customer services wouldn't even confirm that my account had been frozen. I've now received contact from the complaints department who began the phone call with 'we will not uphold your complaint because we've followed our terms and conditions'. Any suggestions for what I should do next? I've been left without a current account and a suggestion that I have done something wrong, simply for depositing a HMRC issued cheque.

Hello, My car lease company have received an invoice from Highview Parking which they have sent on to me, demanding £95 for staying in their carpark for 43 minutes. They initially offered a discount of £40 but by the time I received the letters from the lease company, the 14 days had expired. There is photographic evidence of me entering and leaving the car park. However, I used the car park to drop someone off at a police station opposite and returned again to collect them. I used the car park to turn around in as the signs stating that it was pay to park aren't visible until you get inside the car park. Do I have any grounds to appeal? Also my lease company state that if they get a further demand to pay, they will pay and charge me. 1 Date of the infringement 13/10/16 2 Date on the NTK 20/10/16 (received by lease company on 25/10/16, received by me on 5/11/16) 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? No 5 Is there any photographic evidence of the event? Yes - entering and leaving 6 Have you appealed? No 7 Who is the parking company? Highview Parking 8. Where exactly [carpark name and town] Gala Bingo, Salford

Thank you both. Yes it is a classic policy.

Hello, I am hoping someone could give me an idea as to where I stand, although I think it's probably nowhere... I renewed my car insurance with Adrian Flux in August, £830 for the policy and £200 to pay monthly by direct debit (premium credit). I would now like to cancel my policy as I've been quoted £270 (with the same underwriter!!), a saving of £560, eye watering amounts of money. I rang to see how I go about cancelling. I was told that I would owe the rest of the 12 months remaining balance minus the three I have already paid. However, my insurer would effectively pay a proportion of this... Ultimately, I owe £152. I have paid three £100 instalments, so £452 for two months insurance. Surely this is too much? How do I go about challenging this or am I stuck paying the final £152? Thank you.

Well after a lengthy phone call today, starting with customer services, then Credit&Collections I was finally able to get this solved. Apparently they will be removing the credit score asap. However, it's now cost me around £20 in phone call cost to contact Vodafone, is there a way I can claim this back. It's bad enough I've had to chase them up about this, let alone having to pay for it.

Thank you, I appreciate the help.

Yeah I shouldn't have rang and have ignored them since. Does anyone know how long it takes before Lee looks into this and logs that I've made this complaint - I'm only wondering as I feel like by not paying and if Vodafone don't know I'm kicking up a fuss, the penalties will get worse?

Just wanted to add that I've contacted the Debt&Revenue Services to inform them that I have disputed the payment and got the rudest and most obnoxious person on the phone who gave me an earbashing about how it's now their debt and he couldn't care less if I've contacted Vodafone. Edit: Can someone please confirm that I should have received a default notification letter? In fact, should I have received any letters before it was passed onto the DCA? (The only letter I have from Vodafone is the £300 one) Second edit: Just checked my credit rating and Vodafone have put on a balance of £301!! They've even admitted this isn't the correct amount!

Email reference is: 10569496 Thanks.

Thanks for the reply. I originally (when I went to cancel in October) thought it was missold but it seems Vodafone cannot offer rolling contracts over the phone and it was due to my assumptions, based on the conversation about buying the new iPhone, that this new 12 month contract was rolling, the rep never explicitly agreed. Basically, it was my own fault for not doing enough due diligence. The issue is this £150 and lack of the invoice. Had they sent me the correct letter at the beginning, it would have been paid immediately, I've yet to have written confirmation other than this debt collection letter.

Hello, I took out a two year contract with Vodafone when ended in June. I rang Vodafone to give my 30 days notice that I would not be renewing, as I was going to get the new iPhone in October and so would start another contract then. I explained this to the rep and he suggested a 12 month contract which I could cancel when the phone came out - I assumed it was a 30 day rolling contract. Turns out it wasn't, so when I came to cancel in October, I was told I'd need to pay each month until June 2013. As miffed as I was, I agreed so cancelled the contract and direct debit, and was told I would receive my final invoice in the post. No letters were received in October but at the beginning of this month, I received a letter for over £300 (at least double the amount my contract would have been). I contacted Vodafone who admitted the error and my new bill would be £150, they would send the invoice. No letter came. I contacted Vodafone about a week ago to chase it up and repeatedly asked for an invoice. The rep sent me this email: '>From Vodafone, Just to confirm the outstanding balance on the account is 149.00. Vodafone Customer Services' There was no name in the email, no customer ref, no account number and no means of paying. As we'd talked about sending a letter I assumed this would follow. A few days ago a letter from a debt collection agency arrived for the amount of £175 with the usual threats. I am happy to pay the £150, I was happy to do that two months ago providing I had an invoice. I'm only 22 and at university so would be extremely annoyed if this was on my credit file. If it is, I will be demanding its removal. I'll contact the web team and keep you all updated. Thanks