On October 20th I sent an email saying I was unhappy that there were great incentives for people to join Sky but that as a loyal customer for nearly 15 years I was offered nothing. In response to my email I received a phone call on October 27th offering me SKY+HD installed for £49. I refused and stated that I wanted to cancel my account at which point a 30 day cancellation notice was applied. On October 29th I called back to say I had been hasty and would actually like to take up the offer, I was informed it was a point of call offer only, to cut a long story short as a gesture of goodwill I was offered SKY+HD at £49 installed. I was absolutely delighted that Sky obviously valued my customer loyalty. It was then explained to me that I would need a HD television and an additional HD subscription. (I thought the HD box could enable any TV become HD!)I explained that I did not have a HD TV so was offered an additional SKY+ box for £49. Notes were made on the account at this point that I would call back as I could not find my debit card.In the mean time my husband decided to order a HD television, so I tried unsuccessfully to call back in the evening but was on hold for a long time and had to leave for work. So the following morning- October 30th I called to say that I could actually accept the HD box and to make payment, after an hour on the phone I was told that I could no longer have that offer and that I would have to pay £99 + installation or I could have the HD box for £49 and take out an additional multi room subscription -which I don’t need as I have all ready got multi room. Stalemate-they have now accepted my cancellation

I ground to a halt with thiss! I did relise the errors on the spreadsheet before I filed but I didn't proceed with MCOL as I got cold feet. Have I left it too late now.

Is this ok On Februaury 14th 2007 the original order was cancelled due to non-delivery and a new order placed with the chairs having been upgraded to electric recliners as a gesture of good will. The Supply of Goods and Services Act 1982 states that services should be carried out with reasonable care and skill, for a reasonable price and within a reasonable time where none is established. It was understood that the order would have a 16 week lead time for delivery.As 18 weeks have now elapsed since I placed the order, you have failed to fulfil this statutory requirement The fact that the goods I have ordered have not been delivered within a reasonable time means that you are in breach of contract under civil law. Therefore I am now making time the essence of the contract, and I am allowing 21 days from the date of receipt of this letter for you to deliver the goods If you do not deliver the goods by July11th I will hold you in breach of contract and will expect you to refund the money I have paid. If you fail to refund my money I shall have no alternative but to issue a claim against you in the county court for recovery of the money together with interest and incidental costs incurred, without further reference to you. I look forward to hearing from you within the next 7 days. Yours faithfully,

I am having trouble with a company called Exclusive Leather Soafas.Is it the same I wonder.my local branch is Chester.But head office is Cannok-I ordered in October 2006 paid in full £2337.00 It is a very long story bit I should have my furniture in 8 weeks, 10 months after I paid. I have spoken to the store today to tell them I want to cancel but I have been told it is up to head office who are not open until Monday. It does say on the receipt that any delay in delivery will not be deemed to be a breach of contract on there part and that cancellation will not be accepted,it also says this is a legally binding contract.

Just gone to file the MCOL and on checkibg the spreadsheet I sent to the bank I realise some of the dates are wrong and it apperas some of the charges have been missed altogether .Do I now have to start from scratch writing to the bank with a new schedule or can I re-do it correctly to attach to my claim although it wont be the same as the original sent to the bank.

I have looked at the link I am more confused !REMEMBER...If you have not already sent a full schedule of charges and overdraft interest to your bank-- then --stop!- take no further action until you have remedied this.Does this mean I need to send the schedule including interest and a letter to the bank before I continue with the MCOL.Also in that link it tells you to make sure Your claim must contain at least the following information: --Your account numberDate account was openedThe date from when your charges beganThat you have already supplied a schedule of chargesThat you will be supplying a further copyThat the defendant has levied charges and interestThat the defendants contractual term which allows charges is unfair and contrary to common lawTotal amount claimedSection 69 statutory interest statementThe alternative argument - S.15 Supply of Goods and Services Act 1982CostsIs tha tthe information I need to put in the particulars of claim?

Thank You Charges £890 so I put £890.00 x 0.00022I am so scared of making a mistake!Do I need to send a cpoy of the spreadsheet with the interest calculated to the bank or not?I sent a spreadsheet minus those figures when I requested a refund.

Help with MCOL please.I know to insert this textThe claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from {date when the money became owed to you} to {the date you are issuing the claim} of £ {put the amount} and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of {enter the daily rate of interest}. Is the date the money becam owing the date I sent the fist request?What is the daily rate?what else do I need to put in particulars of claimIn the amount claimed do I put the total including interest.Is there anuthing else I should be doing once I have filed.Thank You

My son has an x-box 360 which ran out of guarantee in december.It has now develped a hard drive fault and mmicrosoft say he will have to pay for a repair-this seems really unfair as it is only just out of warranty. Has he just got to accept this and pay up?

My daughter is in a right state over these tickets,I too have tried talking to them on the phone-what a waste of time! What will happen if they sell the debt on? Pete feel free to help me take them on on behalf of my daughter.

How do I challenge the validity of the ticket? She has not kept either one of the tickets that were put on the car and the letters have gone to the previous keeper as the car is still in their name.

No resonse to LBA. My claim for money back from the Halifax was settled by this point.Do I now just do th MCOL or is there another letter I need to send to the bank.

My daughters car brokr down in Leeds while shee was 200 miles away from home at New Year. She recieved 2 tickets in the car within 24 hours from National Clamps. The tickest have now gone up as she foolishly ignored thm. they have got her name and address from DVLA and are now demanding £240.00 They have imposed a £40.00 charge on each ticket for I am willing to pay it for her but are they allowed to increase the tickets this way from £40.00 each? Any advice would be apprecitaed.

I have succesfully claimedagainst the Halifax myself and I am helping my 20 year old daughter claim for £850 in charges taken from her HSBC account. We have sent the prelim letter with spreadsheet and they have replied saying the charges ae not unlawfull and to direct any further correspondence to the Finincial Ombudsman as that is their final word on the matter! Do I send them the LBA regardless, Help appreciated Thanks.

I got mine yesterday and sent it straight back,not recorded though:(