I'm not sure, that's why I posted the pdf, not sure if that can tell you the answer? I can't find anything else and it's over a year ago so struggling to remember.

Not sure if this helps? O2 Terms.pdf

So is that also an infringement based on what @dx100ukhas said? More ammunition I can use against them.

So that is a default isn't it?

What details were showing? I redacted everything didn't I? Here's the image https://ibb.co/rHCYgZ2

This is the only blemish on my record, not even a late payment in over 6 years. I had a 999 score prior to this. I believe it definatly is a default, see screenshot. I have not moved address during this period and email address remained the same as O2's records which I use to pass security with them. I've emailed the exec team and hoping that at least escalates it further.

Ok, I didnt realise they were now Virgin so I have done that. Do you have the o2 exec emails so I can send it on to them also or are they now irrelevant?

Hello, Looking for help with a wrongful default on my credit file. Around 12 months ago I signed up for a contract phone through mobile phones direct with O2. When I received the phone I struggled to get signal at work despite the coverage map saying it was good. I decided to return the phone and cancel the contract within the cooling off period. The return was accepted and I thought that was it. A week or so later I receive a letter for O2 stating I owe £520 for an early termination fee. Apparently MPD direct didn't notify O2 it had been returned within the cooling off period. After a few phone calls and emails I was told this would be cancelled (proof via email) and ignore any further correspondence in regards to the debt. I didn't receive any more letters and considered the matter closed. Nearly a year later and whilst looking for a loan thought it strange I wasn't applicable for many providers and it said my score was poor (it's always been 999). Checked and low and beyond there is a default on my account from O2 from nearly a year ago! I've range them, emailed the credit team but seem to go round in loops between the payment management team. They have said they have sent a form to the amendment team but then they respond I need to speak to the payment team. All the while my credit score is ruined. Is there anything I can do to accelerate this and get it removed quicker? They said it would take 28 days last time although that passed with no communication. Now they are saying it will take 30-90 days. Should I speak to the ombudsman? I don't believe the default itself to be lawful as I never received any notice of default else I would have questioned this at the time. I just can't believe they aren't quicker to remove it. This is massively effecting my mortgage renewal and limiting my options, potentially costing and additional £30-50 a month. Can I claim for compensation? Any help massively appreciated.

Thanks again for any help, I'll keep it to the point. Currently in shared ownership property. Around Feb last year started the process of buying 100% of the property. Mortgage approved etc. The housing association dragged it out for months and months until the point the mortgage offer expired. Resubmitted an application but when they asked for payslips they would no longer accept because I was on furlough. Subsequently made redundant in November. New temp job with less pay so settled getting 80%.Same again, dragged heels. To a point where offer expired. Got mortgage company to agree 2 week extension to complete. Sent deposit to solicitor 11/03 for completion in the 12th. The solicitor sent some ID checks which I admittently forgot about, sent to me on 12th completed around 16th. I didn't hear anything so assumed everything was fine. Got mortgage letter through stating what the new payments were and that the money had been released. Nothing however from solicitor or HA. Phoned my FA and he checked and was shocked when the solicitor said it didn't go through. This is now 18 days after it should have gone through. Not once did they try to contact me and the 2 week extension for mortgage expired. They blamed everything on the fact I didn't do the ID checks in time. If they had of rang me or my FA I could have sorted it. No emphasis was put on them to tell me how urgent they were. Even after the date I could have still competed within the extension if they had informed me. Now the mortgage company won't extend again and I'm back to square one! They also still have my £20k which I have given bank details to return but how long would they have kept it until letting me know. Surely that's not legal? The fact I had to contact them is disgraceful. I'll also be complaining to the HA for their part in delaying it all for so long. Is that grounds for a reasonable complaint? Conveyancing Direct Ltd BTW.

Letter said 10 going across company, 2 from cad team. Only 2 have been scored. Essentially I would have stayed but now my position is untenable I feel, how could I go back after being mistreated like this. So yes, I want more compensation because its been an unfair process. We don't have a union.

I want to go now, because of the way they've done it. I still don't think I should just accept it though if they haven't followed procedures. Are you telling me that people who have sued for unfair dismissal have all wanted to go back to their jobs? I want more compensation. I have a family and ill be given the very basic amount for redundancy on a time where job competition is massive!

OK I need some further advice before I go to a solicitor. Had my consultation. In the letter before the meeting it said 2 cad engineers would need to be made redundant. There are 2 of us still on furlough. In the meeting I asked the question how many people were in the pool for these 2 positions that I was being scored against and I was specifically told and reassured the whole cad team were being scored and included in the process. Having spoken to most of them, none of them are even aware of redundancies being made let alone being in the process. The director said that would happen over the next few weeks, he also said at the end of the meeting he's away for 2 weeks! They said they would come to a decision in 2 weeks. How is that fair? I'm being scored along with another engineer for 2 jobs? Sounds like a full gone conclusion already. If I am made redundant without any other team members included surely that's grounds for unfair dismissal? I didn't record the conversation but my other colleague did and he was told the same. Thanks for any help.

I can do that. I'm sure they will refute it. What should be the end goal here, reversing the decision knot likely and I don't want that) or something else? I just want it to be fair.

Just opinion. I've never had a performance review and don't work directly with the TD.

Hello and thanks for helping. I will try and keep this to the point. Been with my company for 4 years, nearly 5. 9 months ago handed in my notice for another job for substantial pay increase. Technical director offered the same pay if I stayed which was an £8000 a year raise. I accepted (regretfully now). Been on furlough since March. Slowly the whole team has been brought back one by one but myself and 1 other not bought back at all, claiming we would be at the end of furlough. Now received a notice of potential redundancy with a score sheet on how they came to the decision, and that's where the BS begins. Ever since handing my notice in, 've felt targeted by the TD. He's constantly singled me out for things and I've always felt like there's been a target on my back. My selection criteria was based from his pov and HR. His views are just ludicrous. Its a blanket average in all the categories which are attitude and commitment, standard and quality of work, Versatility of skills/ knowledge, future potential and following company procedures. A quick comment on why I believe they are unfair; Attitude and commitment: His comment "Does not go the extra when needed". I'm contracted to 37.5 hours a week, I've rarely done less than 42 and never once done 37.5 hours. I have even gone in on a few Saturdays for free. I also find it typical that he finds commitment to be solely linked to how much time I've put in. I've also only had time of when my dad died, otherwise 4 years without a day off sick even when I was. Standard and Quality of work; His comment "Lots of errors, has to redo work". Again quite shocked, if I was so bad why the big payrise? I haven't had a single performance review or ever been advised my work was not up to standard. Versatility of skills; No comments. I have worked in several areas of the business including assembling products to help the shop floor. No formal training in the 4 years I've been there on anything. Future Potential and following procedures; I mean it hurts when your a 34 year old engineer, with 8 years experience told you have average potential. That for me shows a poor leadership. Also I have never had any disciplinary action, been on phone or anything to break the rules in 4 years, but again, average. So that's the criteria. I have a call tomorrow where I will dispute and ask for evidence. The other colleague was scored EXACTLY the same as me and I believe the scores have been fiddled to make us come out low. Advice from here onwards? This may sound wrong now, but I was miserable there and do not want my job bac. What I ideally want is grounds to argue and get a better pay-out. In these times the competition for engineering roles I've seen is 400 applicants for 1 position so if I can get more of a pay-out I will as I need to buy myself as much time as possible. Thanks for taking the time to read/ help.

Yeah I saw the Olton TV name, looking at the public records it looks like that company is dissolved. They seem to all link to the same address. If you ring the Solihull number, Worcester number etc they all divert to the same number. Value of the TV, I guess not repaired £50-£100,repaired £200-£250.

Hi all, Hope this is the right section. My 49" Sony Bravia TV stopped recognising all HDMI ports. I looked for a local repair company. F ound the following; http://www.tvrepairsworcester.co.uk/ They offered a no hassle free quote. They came and collected the TV. I asked for a receipt when he appeared to just be leaving. He asked for my email and inputted it onto his handheld device. He said I would get a confirmation email. As soon as I closed the door I felt I had made a mistake. I took a picture of the van reg. The email never came. Things progressed as normal however, they rang after a few days, main the main board was faulty. They said however the part was rare, and even a used one was £180+ just for the part. As they offered free quotes, I asked it to be returned to me. That was now 6 weeks ago. My phone calls are being ignored, when I do get through (usually by using someone else phone) they promise to bring it back Monday, or Wednesday, then I don't hear again. I'm not desperate for the TV, being an android TV it could have been off use still and I would look to source a second hand main board at some point. Its not the point though, its mine, I want it back, I don't want this abysmal company to profit from this. Can I ring 101 and report to the police or is this just something I have to accept? I would go and knock on the door but the street view of their address doesnt look like a shop of any sort. Any advice would be great!

He has a small credit card debt, a current account etc, a car, possessions etc but no property. I've been through all his documents, found a life insurance plan he mentioned but cannot find a will. Is there anyone I can contact to find out? The money I'm sure would have been from a death Inn service payment for his wife, my step mum who died last year. Why he drew it out in cash I don't know, he's a bit old fashioned like that. One question I have, I'm still waiting to hear from the coroner for the cause of death. He was driving at the time, he was driving on the motorway, veered and hit the barrier at low speed. Should I contact his car insurance on his behalf. Can a claim be made? Its the least of my worries but its more that I will need to get it collected from the police at some point.

Brill I will ring the bereavement advice number and see what they say. Looking at his estate (no property) I don't need to apply to be an administrator or require probate according to the citizens advice guidelines.

Hi all, looking for some advice as I can't find a straight answer. My dad recently past. I'am the only next of kin. I haven't began probate or truly understand what it is. What I do know is my dad has a safe in which he has cash of approxamatly £50,000. My question is, should i just be able to deposit this into my bank account? Do I need to declare it in the probate process and wait till they say I can? I'm worried about leaving that amount in an empty flat and want to get it safe in the bank. I obviously want to make sure I'm legally doing it though so worried they may say it's not my money technically yet.

So send them a letter before action?

No signed 2016. Does that mean I've done something wrong?

So I sent this on 15/11 without the "XX's", I have received no reply. I was a bit preoccupied (family member died). Whats my next step? Letter before action? Dear Sir/Madam Following media reports, and an investigation into credit card charges by the Office of Fair Trading, which I have recently been made aware of, I now understand, that the regime of fees which you have been applying/applied to my account in relation to late fees, and over limit charges, are unlawful at Common Law, Statute and Consumer regulations, in that they did not/do not, represent a genuine pre-estimate of your actual costs. I would draw your attention to the terms of the contract which you agreed to at the time that this account was opened. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law, and in consideration of fair business practices and good faith. It is my contention, that you have failed to operate my account in a manner conducive to the above, and have demonstrated a lack of fiduciary duty. I calculate that you have taken £XXX which you have charged me in total. Additionally, you have entered an arrears notice against my credit record. In recent years, Courts have been happy to accept claims for charges whilst having regards to the precedent set between KLEINWORT BENSON -v- LINCOLN CITY COUNCIL under section 32 © of the limitation act 1980. Should county court action be needed I will be seeking to rely on this. Therefore this letter requests a refund of all charges indicated 14 days from the date of this letter. I request that payment is made directly to me, by cheque, and that any refund in whole or part should not be allocated to any set off or third parties. Should this occur, my claim will be deemed as unsettled and I will proceed to the Courts for recovery. You now have 14 days to respond positively, and in the absence of this, I will put you on notice with a further 14 days, letter before action. I trust this clarifies my position. The unfair penalty notices were charged on; July - £XXXX November - £XXX Yours Faithfully

This is the response I received. Is there anything I can go back with. Basically they are saying because I agreed to the contract I agreed the charges were reasonable. Dear Mr XXXXXX Reference: XXXXXXX Ref: XXXXX Thank you for discussing your complaint with us and giving us an opportunity to look into the issue for you. We are sorry that you remain dissatisfied with the outcome and trust the explanation below explains the reasons for our response. Your Complaint • You said you were dissatisfied with the amount of the direct debit rejection fee and said that you feel £22 is very high in relation to your instalment amount and therefore wanted this justifying Our Position I am really sorry for the inconvenience and distress that you have felt as we always want all of our customers to have a positive experience with us. Having reviewed your account, I can see that your direct debit rejected on our system on 16 June 2018, 26 June 2018 and 14 November 2018. Based on this your account fell into arrears and caused charges to be allocated to your account. I understand that you contacted our offices and expressed dissatisfaction in regards to the fees that had been applied. In regards to the details of your complaint, I would refer you to a copy of your finance agreement under the section “Additional Charges” whereby it details the following information “Charges will be payable under this agreement in the following events: • Recalled Direct Debit Charge; £22 • Returned or Recalled cheques or credit/debit card repayments; £25 • Letters sent to you as a result of a breach of your credit agreement; £25 • Issue of a Default Notice; £50” If you were unhappy with the terms and conditions you were provided full rescission rights; whereby you had 14 days in which to exercise your right to withdraw from the finance. No contact was received from you and the finance was activated as agreed. Although I appreciate that you are unhappy with the terms the general legal position is that someone who accepts a contract is bound by what it says whether or not the contract has either been read or understood before it was executed. Once again, I would just like to thank you for taking the time to share your feedback and remind you of how sorry I am. Outcome Taking into consideration all of the above, I will not be able to uphold your complaint and will now close the file. I apologise if this is not the outcome you wanted, however I hope you will find my explanation to be fair and reasonable. Thank you for taking the time to bring this matter to our attention. At Hitachi Personal Finance we strive to provide the best customer service possible, and rely on customer feedback to achieve this. I trust if you have any issues in the future you will not hesitate to contact the Complaints Team on 0113 380 1065 or by email, complaintsteam@hitachipersonalfinance.co.uk This is our final response in respect of your complaint. If you remain dissatisfied with the outcome in this matter, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge - but you must do so within six months of the date of this letter. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances. Please click on the link below to access The Financial Ombudsman Consumer Leaflet. Should you wish to have a paper copy, please contact us and we will arrange for this to be sent to you directly. http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm The link below will provide you with information on how to refer your complaint to the Financial Ombudsman Service. Please copy and paste the link into your web browser. http://www.financial-ombudsman.org.uk/consumer/complaints.htm Yours sincerely

Thanks for the quick responses. Is there a template letter for unfair charges I can only find one relating to bank charges?