I had an audit trail of all times when account was access but at no point does it mention when I telephoned, yet I know I did call a few times, but it shows payment made and an automated credit level change at one time I phoned.

The Ombudsman Services: Communications has been involved. Ombudsman ruled in VF favour saying that VF have done nothing wrong but refer as the case had a weight of legality they cannot continue the investigation. Ombudsman also ignored all evidence I submitted, my evidence was submitted 3 times and they still did not have it all, shows the Ombudsman really is not impartial. The Contract was taken out at Currys, signed agreement offline.

Thank you citizenB

Possibly come under Supply of Goods and Services Act 1982?

Its an airtime agreement and I believe they do not fall under the CCA1974? However VF are claiming a debt is owed yet unable to provide a copy of the signed agreement and have not provided the service the alleged debt is relating to. VF have also proposed an agreement then failed to honour it.

Draft POC 1. The Defendant is a private limited company as registered at Companies House in England & Wales with the registration number 01471587. Within the meaning of the Data Protection Act the Defendant is a Data Controller and is responsible for the processing of data of which the Claimant is a Subject. 2. The Claimant had an account number XXXXXX ("the Account") with the Defendant. 3. On XXXXX the Claimant sent a Subject access request, pursuant to Section 7 of the Data Protection Act 1998 to the Defendant. 4. The Defendant is unable to produce a true signed copy of the airtime agreement pursuant to Section 7 of the Data Protection Act 1998. 5. Under the terms of Section 15(2) of the Data Protection Act 1998, where the Defendant contests that information requested under the Claimant's Subject Access Request is not included within the scope of Section 7 of the Data Protection Act 1998, the Claimant requests that the Court inspects that information, and where it finds that the Defendant's opinion is unfounded, that it orders such information be included within the information supplied to the Claimant under the Subject Access Request. 6. The Claimant seeks an order that the Defendant do comply with the Claimant's Subject Access Request. 7. The Defendant proposed an agreement to satisfy the dispute and failed to honour when Claimant accepted. 8. The Claimant has an on-going dispute with the Defendant and followed the Defendants complaints handling procedure and had mediation assistance from the Communications Ombudsman. 9. The Defendant has failed to provide the Claimant with the agreed service under the airtime agreement. 10. The Defendant claims an amount of X is owed. 11. The Claimant requests damaging data registered with Credit Reference Agencies is removed and destroyed. 12. The Claimant seeks damages and costs within the discretion of the Court.

Can I put the claim under DPA and claim for an alleged debt which VF have harrassed and failed to provide the agreement on the same POC?

Have today received a letter from Vodafone today saying that they will now be ignoring me as they have exhaunted their complaints procedure and the ombudsman service. They also will not be fulfilling my subject access request which is contrary to the requirements under law.

Seems Vodafone are not taking the matter seriously, my latest letter has been passed on to the customer service team yet was addressed to the Directors Office! Assistance required in preparing this case for court please

The Ombudsman have come back and said they cannot find any wrong doing on Vodafones part! Yet Vodafone have failed to stick to principle matters of the law here, they cannot provide me with a copy of the signed agreement only a reconstructed copy, they are charging for something I have not had, they also have called me a liar yet the records show no telephone calls at any point throughout the time I had a shambolic service with them yet I rang them a good number of times. Today I have written to Guy Lawrence and notified that VF have failed to fulfil the SAR and I require within 7 working days a true signed copy of the airtime agreement that was in force. If they cannot supply I require the alleged debt balance written off and all information at CRAs removed. If they do not get back to me either way I will be proceeding with legal action no further warnings. The email has been titled final notice before action. ASSISTANCE IN WRITING PARTICULAR OF CLAIM NOW REQUIRED PLEASE.

Show no telephone calls what so ever, there is no copy of a signed agreement either. However its gone bk to the Ombudsman for review on the 12th April heard nothing since.

Just having a read of an article on this forum that may also be of interest for this item http://www.consumeractiongroup.co.uk/forum/showthread.php?20118-Default-hell!!

I have let the Ombudsman know about the funds being used for that purpose. I have however just received the Subject Access Request info delivered by DHL Expiry date is tomorrow! It makes some interesting reading. However points to note - Vodafone state that they are not obliged to send me a true copy of the executed signed contract - £10 for SAR is showing on billing statement as a Payment Cheque - Appears to be some emails *missing* - Complaint made to Ombudsman is marked on the account as Abusive Comments requesting default is removed - Copies of system generated letters are not included - Copy of the terms of the plan - VF have failed to hide all CSA Names Advice please

Well MH havent replied to my CCA yet and they outside the period and ignoring me letters!

Hello Just checking over The Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983 The statements required on a default notice as per that act do they have to be word for word? It also does not mention about an issue date only a remedy by date? Default amount with CRA is higher than the default amount on the DN?

I have also mentioned it to the CRA but they say they cannot remove it or correct it, only the creditor can (in this case MH) yet the debt is legally owned by MMF apparently (have it in writing from MH). Have contacted TS also and they aint interested. Perhaps maybe court action with all 4 parties as the defendants? I am going to CCA & SAR MMF now will also mention CPR PA31.16. I am going to start budling all this up and prepare to go to court with this one soon.

Trading Standards aint no help they wont touch this outfit! Perhaps a formal letter of complaint and legal action against trading standards also?

by phone, text, email to my landline and mobile, they also have obtained my work number too which I have not given them and its to an emergency call centre!

Hi WDA were a nightmare, I have some communication will review it now! CCA has expired also with MMF no reponse but continualy harrassing me.

Vodafone have used the funds for the SAR/CCA as a payment towards the outstanding balance, nothing heard back in relation to the CCA or SAR which was delivered 03/04/12

The Ombudsman yesterday issued guidance stating that VF have acted fairly even though I have provided evidence that shows attempts have been made to pay the amount yet the Ombudsman stills supports VF in saying that VF have no record of these attempts and that I havent made any attempts. The Ombudsman has given a further 7 days to submit final evidence before he issues a final decision and recommendations. VF were notified in writing I had made attempts to pay and was having these problems yet they were merely ignored. Throughout the funds have been available to pay as per the agreement. I can confirm that the SAR & CCA has been recieved by VF and the Postal Order cashed. I still have held of initiating court action at present time. I am also really glad that I never ever moved all my mobile communications to VF and stuck with O2 where I have a personal account manager with my annual spend of £2,500!

I wrote to them on the 14th by email no reply yet other than the standard we will reply in 24 hours....

I took out a WONGA loan a good year ago, however it was defaulted on. I do not recall receiving any notice of a default notice and I have checked thoroughly through all emails that have been kept, not many wonga ones A loan for £539 was taken out on 16th October 2010 however I have no copies of the CA etc. Logging into my Wonga account it shows I owe £1198.92, CRF show I defaulted on10/02/2011 with the amount £1198 CRF shows account balance as £2253 as of 11/03/2012 I have emailed Wonga number of times but refuse to discuss the matter in writing and ask me to call them which I refuse to. Are Wonga in way in the wrong for reporting the incorrect account balance to the CRF? also the claimed amount due is more than TWICE the original loan amount. I am going to CCA them tomorrow. Any other advise please? I am not running away from this debt but can they legally enforce an amount that never actually existed and process the false information as above. Thanks

I have CCA AND SAR MH about it expiry date looms...

I dont know who is dealing with this now its all quite on the western front! Default Market is from MH yet they say they have nothing to do with it :/