an SAR should get the info you need but would cost £10 a time

I had similar concerns in my thread a few weeks ago at http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/163665-child-trust-fund.html Incidentally since that thread our eldest has lost another £12 and our youngest another £6

Still waiting on those extra details, as well as any further instalments to this saga..... come on Lefty don't keep the fans waiting

Vodafone did used to have this ability though it was just used for new accounts to ensure they didn't run up a stupidly high bill (and would be lifted on request anyway making it pretty pointless). Undoubtedly you will be stuck in contract on vodafone anyway, however t-mobile offer a service called ufix which gives minutes/texts for a monthly bill amount and then any calls/texts above and beyond that are paid for using pay as you go top up vouchers. That way the monthly bill never goes above the value of your price plan.

May be worth taking it back again and either hoping someone else is on customer services or asking to talk with a manager. Failing that do you have another asda store nearby

I'm fairly sure the last time I bought from this offer in boots, the till was clever enough to sort the items so I got the maximum saving. Can't speak for sainsburys though

The really important thing is that if bailiffs do turn up, under no circumstances let them in. At the moment they can't break in unless they have already been granted entry. They can however seize goods outside such as cars

Another fun packed day then. Perhaps you should have slipped her a copy of your factsheet when they weren't looking

This is better than whistleblower anyway! Just need to take a hidden camera in now and flog the footage to the BBC

I'm sure all of BH's customers feel safe in the knowledge that if they have a heart attack, are mowed down by a bus, or are diagnosed with terminal cancer that BH will very nicely send some burly lads to visit them, collect their payment and help them avoid late payment charges

Well you could try the old CCA approach just to check the debt is enforceable.

With many posts on this forum describing negative experiences thought I would post on a positive experience. We bought a frying pan from Sainsburys a few months ago however recently the non stick coating started to peel. Lost the receipt but took it back today ready for a scrap and having to quote the sales of goods act at them. Went to CS and showed them problem and was simply greeted with "if you'd like to get another one we'll swap that for you sir". Nice when they get things right anyway!

If it was me I'd send them a cheque for £0.00 as settlement!

Personally I think Abbey are liable for duplicating account numbers. Some savings accounts do require a BACS payment to be made into a holding account with the savings account number as a reference however for them to issue someone else the exact same account number on a current account is frankly idiotic. Spending money that wasn't supposed to be paid into your account is technically theft (and an issue very close to this site at the moment). However from my point of view (which isn't a legal one mind) Abbey are very much to blame if their systems allow multiple accounts with the same and/or similar details. Also BACS payments are supposed to check against the name the account is in I believe

Younger people's ears have a wider audio frequency range then older people (ie they can hear more high and low frequencies). These devices use that and output at a frequency that younger people can hear but older can't. The housing association that I am a tenant of and on the tenant committee for was considering the use of these devices as a deterrent for anti social behaviour. However the tenant committee blocked this as the devices can have an effect on people outside the target range as demonstrated by the OP and there are even reports of them affecting young children or babies. I agree with the other posts, try talking to your neighbour, if they wont budge then a complaint to the council is the way to go

O2 Forum :: View topic - Iphone Ringtones should help (there are two ways detailed in this thread one is further down)

Yes

The debt collectors will accept a monthly payment even if vodafone didn't as end of day they will be happy to have some money coming in towards the debt rather than none. Just watch they dont try and add any charges to the debt though from sounds of it they haven't. There are template letters to make an offer in the debt forum so just fire one of them off but make sure she only offers what she can afford as they will try and bully her for more especially if she talks to them on the phone which is why it is best to only deal with them in writing. Just bear in mind her offer will be quite low at moment as she is on benefits however she should submit a revised offer when she has more money coming in from work. The debt collectors will likely either send a payment book or card to allow payments at post office

Looks like I have to battle VM on these charges again. Had a goodwill credit of £5 a month on my bill to wipe out the non DD charges (as well as previous charges refunded). Unfortunately, I moved home 2 months ago causing a new account to be set up and the goodwill credit hasn't moved over. Just fired the following off to Neil Berkett

Not sure where this was originally but to be honest I would have thought it would have been better in the debt forum. Regrettably as your daughter defaulted the contract she is liable for the full charge including the cancellation charge. Most networks wont allow for a reduction in tariff until month 9 of the contract (and some wont even allow it until the contract has completed). Depending on your daughter's current financial position her best options are to offer the debt collectors a full and final settlement offer if she is in a position to do so. Failing that she needs to offer them a regular monthly payment that she can afford (dont let them bully her for more). Template letters should be in the debt section, she should only deal with the debt collectors in writing. If they call her she should either refuse to verify her identity or simply tell them she will only deal with them in writing. Again there are letters to cover that in the debt forum.

Is the paypal account in her name or yours? The next step is paypal will pass the balance onto their debt collection monkeys (either NCO or Interum Justitia in my experience) and they will pursue whoever the paypal account is registered to

Main advantage was the presence of menus online. Something I can understand as I've tried (unsuccessfully so far and only on a local scale rather than national) to launch a similar site with just the menu aspect rather than the menu and ordering aspect

Ordered a takeaway though the above website which deals with local take away restaurants. There were a number of problems with the takeaway meal some of which were mentioned to the driver who didn't seem bothered so we took it up with the website who also didn't seem bothered and just offered some free loyalty points which are almost worthless (you need 45000 of these points to get a rather fantastic apron) My questions (without detailing the exact problems) 1. The website provides a receipt which indicates the price to be paid on delivery. Is the website responsible for this being correct (ie if another price is charged on delivery) 2. The website details special offers for the takeaway including inclusive drinks. Are they responsible for non delivery of all the inclusive drinks and/or the incorrect drinks being supplied 3. The website indicates a time that the food will be delivered by. Are they in any way responsible if the food is delivered after that time

I can sympathise, something similar happened to me a few years ago (my boss gave every other employee time off over xmas and new year except for muggins who had to work xmas eve, xmas day, new years eve and new years day. Personally I'd be inclined to pull not just any sickie but an M&S sickie if they insist on trying to make you come in

After a bit of advice about my two sons trust funds. I am becoming very concerned about my two sons funds both of which are with the same provider and both are stakeholder funds Unfortunately we cant afford to make a regular payment in the funds so there is only the Government's money in them. Our eldest son is 2 next month and got £500 off the government for his fund. The fund is now only worth £350. Our youngest was born Feb this year, has received £250 so far with another £250 to come. His fund is currently worth £185. I'm seriously considering cutting losses and changing to a interest based fund instead. Anyone know if it's worth doing this or not and praying the market picks up