As far as I am aware I have never been in arrears with my broadband or telephone bill.

As regards my relationship with them at that time, , I was irritated with them over heavy internet usage (small network - 3 big music/film fans) and consequent capping. No, I did'nt leave before the expiry of my contract.

Of note the equifax file shows the debt as £0!

Just rejoined BT from O2 starting to regret it,

would'nt have done it if they were'nt offering Infinity at the end of this month.

Email from Equifax saying my Credit file had changed significantly sine last report.

Checked it - paid the £5 odd.

Am very alarmed and not pleased (actually ) to see my account being marked as being 6 months in arrears

- nonsense I have only been with them 7 days!

This has resulted in an "Excellent" score being reduced to "Very Poor".

Fortunately I am not looking to remortgage in the near future.

However, has anyone else had this experience?

Can I sue for defamation?

Obviously I have emailed them asking them to correct the report.

:)A DNS attack?, naughty slick

As for dissolved oceanic carbon, just a quick Google will yield results that relate to sudden changes in the ammount of oceanic CO2 and how these can change in relation to atmospheric conitions. Water vapour? As the earth's temperature increases so does the ammount of cloud and we end up with, a greenhouse cycle and one that is hard to stop. It has already happened to one planet in our solar system (Venus).

The arguments against Global Warming are as fallacious and meritless as those raised by Creationists against Evolution.

As for the "eminent" scientists who deny the significance of the internal combustion engine for Global Warming - I think you have to start digging the dirt on the source of their funding and the bodies they represent (it would'nt suprise me to find out a lot of them are Creationists as well). I am convinced that they will be denying Global Warming when the Mississippi flood plain (and it is huge) is under 30 foot of sea water.

Sadly, I feel that if we are serious about reducing Greenhouse gasses we will have to go nuclear, alternative energy sources are not going to come up with the goods.

I will leave you with a thought, Margaret Thatcher, a chemist and hardly the Green lobby's best friend, understood the dangers of Global Warming.

I can see it now photoman, everyone claiming the fees back under UTCCR

I can only re-iterate what TaxedandConfused says about buying ANY computer from PC World - DON'T DO IT.

They may seem keenly priced but think hard, they are not those prices for nothing e.g. Windows XP machine with 256mb RAM , poor machine took 30 minutes to boot.

Far better off spending a few more quids and buying a dell if only for the better support.

Not financed, cash (ie debit card) for a change , Homebase have agreed to pay for the extra work and a new fridge now it's just a case of waiting till we can get to the store.

Thanks Zoot, I am giving them a couple of days, they have become a lot more co-operative since I mentioned that in the telephone call

Hi Guys,

Last Decemeber two designers(?) from Homebase came out and designed our kitchen. As we wanted two carousel units at the sink end of the kitchen (also next to the fridge and dishwasher) I took pains to point out to them the problems that might arise in the design. I was assured that what my wife wanted was possible and that the resulting design was viable.

The designed kitchen duely arrived and my kitchen fitter (excellent, top notch guy) started to fit it. He pointed out to me that the design would'nt work as per the Homebase plans without him taking the sink/dishwasher drainage pipe out through the house wall and then back in to the house by the waste stack also that they had only allowed 57cms depth for the dishwasher and firidge units (any fule kno that all standard units are 60cm) and that as a consequence the carousels would'nt open correctly.

After initial contact with them they offered a new fridge (less depth) (to make the carousel work) and the cost of the extra work with regards the waste pipe but since then they have been procrastinating. I need to threaten court action but I need to be able to say some magic words like Sale of Goods Act. Can anyone help?

As regards the cap - it depends on the deal you take out. I use Option 2 and we run 3 - 4 pcs (online gaming, music downloads, no films) and we have never been capped. The download speed sometimes throtles back but I suspect this is a bandwidth problem rather than any deliberate policy by BT.

This seems to be a spreading problem. I got sent one of these Phorms by Skillstrain (see posts about this company). Like a pillock I completed it without reading the threads on CAG, no doubt I will be bombarded with more spam as a result. Mind you I am with BTYahoo and their spam cleaning software is pretty good.

Wino - We will be when we have I.D. cards!

IMHO PC World are the cowboys of the computer retailers. Some facts

:-

3 years ago selling XP laptops with 256mb RAM (NO NO NO)

They sell Advent computers a company which they appear to own so when something goes wrong you are tied to PC World's very expensive repair service

Insurance misselling

Last I heard they were charging >£50 to remove viruses (viri?) and other malware from a hard disk - outrageous.

As for the rental [problem] - I think you have said it all.

Hi all, good morning

We currently have our mortgage with Derbyshire Home Loans (sub-prime lender) and due to the disapperance of our adverse credit history (over 6 years ago) and the ending of the penalty charge period on our Derbyshire Loan, we have arranged a mortgage with the Abbey at a good rate.

Pannone are acting as our solicitors in the remortgage and they are having trouble getting a settlement figure from Derbyshire (suprised? Not me, just another bunch of sub prime barstewards).

Can anyone give me any advice that will loosen the Derbyshire's tongues? Can I ring the FSA and get some pretty quick action, or is it a case of letter writing? Any law involved?

Thanks

Ja De,

You asked for the FSA's reply to the Rt Hon Andrew Mackay (Bracknell), here it is - I make no comment, as the MP said it all in his reply to me (see previous post).

Apologies to all of you that have not got Word (did you know that there is a free alternative?)

PS I have just realised that this reply is the same sent to Stone's MP. Templates:(

fsareplymackay.doc

Hi,

I have a loan with Beneficial Bank which I will be in a position to pay off at the end of this month. I have only had the loan for a relatively short amount of time.

Can someone let me know what Beneficial Bank can legally charge me for paying the loan off early?

Andrew Mackay, Con Bracknell

Replied

"Thank you for your recent letter which I very much endorse because I also believe that the FSA waiver negates against consumers and is unfortunate. I have already made representations to the FSA and received a very unsatisfactory response which I enclose. I have also written to the Treasury Minister on behalf of anothr constituent and will make sure you see a copy of his response as soon as it is too hand"

As many Bracknell residents know Mr Mackay is a fine constituency MP, the party may not be to my taste (I lived in Sunderland during the late 70's - I will never forgive them for that) but credit where it's due.

The FSA reply to Andrew Mackay was blather and eye wash - I will scan and post if people want.

Written to The Rt Hon Andrew Mackay, MP for Bracknell,

I presume you are not accepting the £180? Send the cheque back together with the letter rejecting the offer (In the templates section) and continue with your claim, sticking to your timetable.

Can they do this? Yes, but they are not meant to as the Ombudsman regards it as a retaliatory account closure. If they do it put a complaint in with the F.O. and you should be compensated.

Jojobhoy,

First digit on our old acc # was 2, sort code was nn/nn/n2. You could try that.

Sam,

Look on the forums for a Moderator who has replied to a post, left click on his name, you will be taken to another screen. One of the options is to send a private mail (PM), do that explain situation and ask to change name. You might struggle to find a Mod with an empty mailbox though but keep trying.

From what you say about Halifax A&L are similar.

Lesh,

It would be astounding if A&L went to Court. If they did you would have a lot of help and some very experienced people on here licking their lips in anticipation!