Hi Guys, I'm glad i came across this site. I've been doing some in depth reading regarding the process to have an SAR carried out on various lenders etc. In the past I've had the following: Black Horse Loan (2002ish) Applied for my PPI back and told they couldn't find account (now they've been fined 110+ million i'm sure they'l be more helpful Halifax Bank Account BOS Bank Account Birmingham Midhsires Mortgage. I guess my question is can i just send a single SAR to Lloyds banking group HQ (now that they own all these subsiduaries) or will I have to make one to the individual companies within the group.

My friend received two letters on Saturday. He has been in the support group for a while, and was awaiting the outcome of an ATOS assesment. Letter 1 told him he had been moved and has lost the support elemen of his money and Letter 2 tells him that he has a Mandatory Work Interview this Thursday, at the local jobcentre. I am not going to try and deal with an appeal myself, (too much has changed and too much is at stake for people if I cock up as a non-professional). I am going to refer him to a local disability charity that helps with these things. Quite well apparently, for a small fee. Anyway, whilst I get on with doing that could anyone tell me this, if we write immediately stating we wish to appeal this decision, does he still have to attend this appointment on Thursday? I would hand deliver a letter to the person he is supposed to see enclosing proof of his appeal (Mandatory Reconsideration). And also whilst he is being reconsidered/appealing, will they still dock the support element of his money? He is not well enough to attend the JC. He has just registered with a new GP who specialises with his problem , but has yet to see him. I am also a bit concerned that by appealing he might lose his money entirely and be forced onto JSA,in which case that will be the end of him as he cannot function like we do. Any comments on this especially welcome. I am told that this is rare, but can happen. Many thanks for reading.

Hi I have just joined this site,I had worked for Mackenzie Hall and after that PRA Group once they purchased Mackenzie Hall,I no longer work for them,the reason I have joined this site (and others) is if I can help anybody in anyway with advice etc I'm only to happy to help or give advice,if I know the answer to the question! I understand it may be strange an ex employee posting on this site but I have personal reasons as to why. Regards Mashigana

I am going to tell you of my problem with the marston group How they can be allowed to get away with wot they do is crazy . Firstly they operate a 0845 phone number which costs a fortune they don't pick up For ages most times I've called it's 7mins on hold till I get a agent then they are so rude, But wot I want to complain about is there online payment system two times I have used this and both times It says my payment had failed but the money is taken from my bank and put in holding account because they said I made mistake in information I gave , I then have to wait over Severn days for money to be returned to my account But I still have to make the payment again. I spoke to my bank and they said it should only be a mistake if I put in wrong details, and how cum they can still take money if a so called mistake is made, I fell they operate in a very dubious way, I have never heard of any company's taking money from account if a mistake is made if you make mistake they usually tell u so you can amend it, I don't think the payment should go from account so the bank is at fault as well, if you do have any dealings with this outrageous Company, pay the money into their bank over the counter. Something must be done to stop these company's having 0845 numbers to reach them they are makein a fourtune from these phonelines they say they hav over 1000 staff so why dos it take so long to answer phone I've spent nearly 20pounds trying to speak to them .

Hi I joined a lifestyle fitness gym in October 2014, my job moved (but not my home address) so I didn't want to go to that gym anymore. I cancelled the direct debit in December 2014 - without contacting them. I knew they wouldn't let me cancel so thought no point in contacting them. I have since had a couple of letters from Harlands and CRS - the 'debt' now stands at £288.20. I know from research that they are all the same company. I have ignored every single letter... rightly or wrongly? I have never had a phonecall or an email chasing me? Now I have received a letter saying the debt will be passed to Zinc Group in 10 days. Just wondered if there was any advice on what to do next? Or just continue to ignore? I have been advised that these type of debt are not enforceable? Also, if the debt is enforceable, surely the 'debt' should somehow relate to the potential loss to the business etc? Thanks in advance

Hello, I hope someone on this forum with more knowledge than me can help! I have an old date with MBNA (currently £6,723.58) which was passed on to PRA Group for collection some time ago. I'm with stepchange for other debts and all debt companies have agreed to allow me to pay £1 per month. I asked PRA Group to provide me with original docs and they have replied that they had to request these from the original creditor and are currently unable to provide this. They said they would 'freeze' my account until they had a reply from MBNA and that I did not need to continue to make token payments until they had a reply. The next letter from them said MBNA are "currently unable" to provide docs and they apologise for being unable to fulfil my request at this time. They go on to say: "This means that we have classified your debt as currently "unenforceable", which means that we are unable to take court action against you to recover the outstanding balance. This does not mean that your debt is wiped out." and end with "We look forward to your proposals whilst your account remains on hold." So far so good, but how can I get the debt wiped out, as it is clear that they cannot enforce it legally? Do I need to start making token payments again? I would be glad of some advice as I feel this is a bit of a victory whilst it is on hold but not sure how to proceed. Thank you so much for your time.

We will no longer be able to give advice or to comment on the Npower Nightmare Facebook group because we have been blocked. If you are a member of one of the other groups – Npower Boycott, Nasty Npower, Consumers Against NPower, etc and you see comments which are posted on this forum or in one of those groups and which you feel might be useful to the people who are on the Npower Nightmare Facebook group, then you might think to relay those comments to those people because we will be unable to do so directly. Some of you might also feel inclined to let the members of the Npower Nightmare Facebook group know that the Consumer Action Group has been blocked because I expect that most of them don't realise it. The way that the Npower Nightmare group is being conducted would almost lead you to believe that it is a shill group of Npower – but of course that is just being fanciful, isn't it?

I filled out the form to do some craft work from home (I am in the support group) I got a call asking me about it - and a start date which was sorted out. The lady said it will 'make a difference' and I will be asked to send them receipts and the likes. I have heard nothing back so not sure what to do next (this was over 2 weeks ago). Plus I am afraid by what she means in 'this will make a difference'. Will I lose my benefit, I am only talking selling a few items a week maybe month (some times not even that) to get some money back so I can buy more craft items (I understand the need to keep a check on me) but I am not going into business, and could never support myself. The craft work is to keep my mind occupied and stop the mental health problems completely taking over my life. I am not sure what I should do now/next as I am worried.

Hi all, Simple question really, it would seem that a pension I used to have (occupational) was with Tibbett and Britten group. The pension trustees apparently were wound up in 2012 as far as I can make out, but I still have around 8 years of contributions with this pension fund. What do I do ? How do I access my frozen pension funds from a fund that has been wound up ? This isn't my area of expertise, but I'm sure someone here is an expert

Hi I was hoping that someone could help me with a company called Are You Owed Money (used to be called Sentinel debt recovery) I had an outstanding debt with a garage for a repair which needed to be carried out on my car which in itself is a long story, i owed £900 and was contacted by sentinel to pay off this debt we agreed to pay off £50 every 4 weeks as this was inline with my pay and the only way to set this up was by giving them my card details they took payment every 4 weeks (first mistake). Around about September i didn't have enough cash to pay this i contacted them to tell them around a week before and asked could they take it out 1 week after the original plan and then go back to the original payment plan which they agreed and said it was fine. Then to my surprise they took 2 payments out one on my original date which left me with the money i required to pay my council tax and then a second payment a week later i contacted them and they did apologise and say it wont happen again. But this then happened 3 more times and i phoned them each time to tell them to stop it and reset the payments to the original plan but each of these times i was told that either the system was down or that someone would call me back (which they never did) During this time the company had change their name to Are you owed money i the phoned again to say that i wasn't happy and this is when i got a lady called Christine who was a very unhelpful she told me that "well i don't know who let you set this payment plan up as now the debt had risen to £1400 and we don't accept payments that low we will have to look into this and ring you back because you need to be paying this off quicker" this really did get me worried as i suffer from anxiety and depression (which i explained to them) really didn't help the matter, i did dispute the extra on top of the original debt but they just said "oh we will see what can be done with that when the majority has been paid off" I'm a bit lost now because they kept taking payments outside of the agreed payment plan i told them that i was going to contact the bank and block them which i did so then they change the name of who took the money to vantige legal and took another payment so i got the bank to block them as well. Now i have them sending letters to my old address even though i have told them i had moved at least 3 times demanding full payment and potential bailiff action. Any help would be appreciated. Thanks

I have a gym membership with the Harlands Group. A few months ago I emailed them to change my DD date because my wages where coming at a later date. They replied they couldn't find me. I replied and gave them all the information needed. A few days ago a DD payment failed due to it not being changed. I got a letter today saying they are charging me £25 for the late payment. I called them up stating that it was not my fault it was their company who couldn't change my DD date as I clearly have emails recording that I wanted it changed. They said they would chase me for the money. I emailed them saying : A few months ago I asked you guys to change my account direct debit information and was advised that you guys could not find me. I got a letter today stating that I have to pay an adminstration charge of 25.00 due to a failed DD payment. As the previous emails clearly state I have tried to get this date changed and provided all the information needed to do so including information on my account. As you did not do this I refuse to pay the charge and have canceled my direct debits. I called your hotline today and was told "we will chase you for the money" which is not exactly good customer service being threatened by a contact centre agent. I have taken legal advice and these emails clearly back me up that I wanted my information changed so feel free to meet me in court if you want the charges. Regards Can anyone give me some advice on what to do now? Thanks

Hi folks, this is in response to the above which I saw in an old thread for Able group. The reason I have quoted the above is because I have just experience a similar issue, if not worse. Back in December the boiler in our flat spring a small leak. Call Able, an Eng came out, credit card details given, call out charge taken then he says it needs this and that. he was told to proceed, as it was urgent and he then spends 3 hrs working on the boiler. He hands over a bill for £270 which is is then deducted immediately from my card. He then stated he needed to come back with a new thermostat, which he then popped out to get......never saw him again. Like the above, the excuses then followed that his van was off the road etc etc... We have called ABLE many times to ask them to resolve the issue but we are still waiting. Now they say they dont have another engineer and we should contact someone ourselves. WTF???? This group are a [problem]. Something needs to be done. What can be done? This will happen to many others unless they are exposed. Any help or advice welcome. thanks Debs.

just when I thought I could have some peace from jcp I get a letter inviting me for an interview with them. on opening the letter it gives you my name etc and then go,s on to say, about your esa allowance claim, in order for us to check the information about your esa claim is correct and that your circumstances havnt changed an appointment has been made for you at this office at 10am on the 19.2.15. please bring the following for you and your partner, driving licence, passport, photo id. also at least 3 months bank statements from all bank accounts plus tenancy agreement any property owned. please bear in mind I was granted esa on the 29th jan 2015 and am in the support group. when I called jcp they said it was a standard interview after being granted esa which is happening to everyone. when I explained well im in the support group the woman I soke to said it dosnt matter as its happening to everyone placed on esa. has anyone else had this happen after being placed on esa as like me ive been granted it for 3 years. many thanks in advance.

Hi im not the best at explaining please bare with me. A few years back, I was declaired Bankrupt Afterwards i struggled getting a Bank Account. Long story short. I saw Gregorry Pennington in the paper offering bank accounts for 14.50 a month. They didnt have to manage me with anything. I was just desp to have an account and GP said id struggle after going bankrupt. I had health issues lost a friend and had a breakdown over the last ten years. Only now able to go out about due to anxiety Ive had a support worker out whos gone through all my paperwork etc. Realising several DD s had came out of my account over the years. One i remember canceling because i got my card canceled the same day. And explained. That id contacted the police due to items going from my home. Police had infact changed locks and the persons were taken to court for doing quite abit of Fraud. It was dealt with in the Crown Court. On ringing up my bank(new name Think Money) after explaining everything. They rang me back saying as its over 12 mrhs. They wont accept it under fraud. Due to the lengrh of time going back 2009. Even health issues. Me having the break down. And police ref. made no difference , i also had a call around the time i opened the account with them. From them offering me home insurance cheap with them. I agreed as is be thinking of getting it anyway. Set up dd with them. Going through all paperwork my Support Workers come across 2 Policies. One is Think Insure Client 13.00 amonth. Other is 6.99. For Key Insurance?? Neither i know of. And theyre Rolling Contracts. With Millenium Insurance Brokers plc. I believe the bank gets the ok were interested in insurance. They then pass details over to Millenium who then pay rhe bank a percentage for it. The brokers charge me per year for agreeing to the credit. It then gets referred to Think Insure. Who go s through Ageas insurance. When supprt worker first noticed something wasnt right. Payments to Millenium were canceled, letter wrote. Phone call made. Going through papers now. The only policy stopped was the 21.00 home insurance. The 2 rolling ones are atill being taken to Think Money my bank. Theyve now sent a letter saying im no longer welcome to have a bank account with them. Because of recent issues. Giving me 8 wks to find alternative. I cant believe they can do this. Any advice. Help please. 14.00 a month over ten years to get treated like that

Hi all My apologies if this has been covered elsewhere, I have looked but cannot find an answer. A charging order was placed on my property 5 years ago by Welcome Finance, I was not required to make any monthly payments. I received a letter today saying that the entire debt has been sold to PRA Group and they are seeking to recover the debt. I was under the impression that as a CCJ, then a charging order had been granted, that the debt was stagnant until I sold my property. Could anyone offer any advice? Many thanks in advance. Emma

hi I called Lowell today who are claiming 3 different amounts (2 from my wife and 1 from me) for O2 and T-Mobile. I do not dispute that the amounts are outstanding (although I have no memory or paperwork about the original debt.) However while trying to arrange a repayment schedule and amount with them for all three of these the woman (Saria) mentioned an old Capital One debt of £403 from 2007. Is this even relevant? I have absolutely no record of this original debt! In fact are any of the amounts valid? Do I have to deal with Lowell? Can I go back to the original creditors? Will paying these make any difference to our already damaged credit file? Mike

Hi, I recently tried to transfer money via Iqra finance. Their website can be found by the name of iqragroup. In their website it says: FSA Registered 506617; HMRC Registered 12152234; Company Registered in England & Wales 5398731; ATOL Protected 6954. I withdraw cash from my current account and paid Iqra by cash to be sent money to Bangladesh on the 12th of December and since then whenever I call them to know the status of the transaction, they say the money has reached the account but its not. I went to their office and showed them the current bank statement in Bangladesh where I sent the money to, to prove that the money is still not there. The manager told me the money will be there next day and I checked next day and the following day and again and again with no luck. All I have is a receipt from Iqra in their official pad. I desparately need the money in my country right now. Any suggestions what can I do now please?

Hi I am posting with some questions for a friend of mine whom sufffers from mental health issues (anxiety panic attack, nausea, vomiting, depression) background she has just received notification of being placed in the WRAG group- contribution based ( migrated from IB). she is keen to get some support/advise re testing herself out for possible work WHEN she is well enough and is stuggling with coming to terms with admitting how ill she is. I believe she should be in the support group, as her mental health is such that she cannot reliably commit to work related interviews without risking exacerbation of her symptoms. ( i dont think she meets support group "descriptors" for mental health- but exceptional Circumstances Regulations -regulation 35 should apply "a “serious” or “substantial” risk of harm is likely, should the person be found to be capable of work-related activity" she wants support to get better and return to work but it would be better for her to be in the support group and voluntarily attending work related activity would be far more suitable than the pressure of WRAG group with the threat of sanctions hanging over her head when she inevitably is not well enough to attend. she is weighing up if she is well enough emotionally to consider an appeal wrag to support questions IF she was to ask for a mandatory reconsideration ( asking for scoresheet, statement of reasons and sends in letter from doctor and counsellor) and states Reg 35 as reason for consideration of support group) and the reconsideration response was to keep her in the WRAG group :- 1. what is the process now for mandatory recconsideration , and requesting the score sheet and statement of reasons and registering an appeal ....i vaguely recall some change since i went through this 2.would her money be dropped if she decided to appeal? 3. would she have to persue the appeal process or could she stop there? ( with the money at esa wrag contributions rate or would that be dropped) 3. many thanks in advance

Hi All, I have two mobile phone contracts with EE and both are insured. I lost them on the night of Thursday 1st Jan and made a claim on the 2nd Jan. The insurance is through a third party 'Lifestyle Group'. I was advised my claim required me to fill out a Claim form which they emailed me later that day. I then called up Lifestyle Group and asked an agent if it would be ok for me to sign the form using an e pen to save me having to print and scan the form, i was advised as long as the signature looked like my signature there would not be an issue. The claims process takes 3 working days and can take longer for complicated claims according to Lifestyle group. After 3 days I had no contact so I called to chase the claim and was advised I needed to sign it using a pen after printing and my claim required more info and they had sent me a letter. I asked why I wasn't called or emailed as per the instructions I provided numerous times and they advised me they tried but couldn't get a dial tone. This is a total lie, my phone was working and I was waiting for the call. I re sent the claim this time with a signature after printing and scanning and also complained to the CEO of Lifestyle group I also included senior staff from EE and Allianz (the UW). The CEO replied saying the matter would be investigated and complaints are taken seriously etc. I was then contacted by someone from customer relations who said she had listened to the calls and at no time was an e pen mentioned and the claim was with the assessment team and they couldn't provide any timescale whatsoever. I explained on the second call the advisor had not been through my details so the call would not be logged on my account and as such without listening to every call on that day how would they be able determine if an e pen had been mentioned. I then chased them up today and the customer relations team advised the claim was still with the assessment team and they could not provide any time frame for a decision. she also offered me a £20 cheque as redress for the e pen issue and said it was because I feel misled and they weren't able to trace the call. I am thinking of sending a follow up email but I have now been without a phone for a week, is there anything I can do? Can a insurance company say we can take as long as we like??

Hi all, I was hoping that you good people could offer any advise. My son was placed in the ESA support group. The claim was made November 2013 and he was finally placed in the support group in September 2014. We received a letter today titled Notification of Office Interview. I thought with him being placed in the support group that they could not harrass him. I can't upload he letter so I will typr it out below: An office interview has been arranged We would like you to attend an interview at: xxxxxx with xxxx. What to do if you cannot keep this appointment: If you cannot keep this appointment, or wish to report any changes in your circumstances, please contact me on xxxx. Why it is essential that you attend this interview This interview has been arranged because your circumstances may have changed and we need to ensure your payments are correct. Following this interview, we can arrange for you to see a Work Coach at the Jobcentre. They will be able to support you in considering your options for returning to or starting work. They can help with; Training to get the right job Work taster or work experience Discuss permitted work and how that can help you The best way to search and look for work What you need to bring to the interview Passport Driving license Photo ID AND Last 3 months bank statements. When you arrive at xxxx Jobcentre you will need to take a seat etc etc.... Do I have to take my son to this interview? My son is autistic and he can not cope with these kind of situations. Any help will be greatly appreciated. Many thanks

Can anyone help me with regard to an employer attempting to reject me as a member of the group of employees who have submitted a claim to the Employment Tribunal. Briefly, I joined with a group of self employed people who are seeking to have their employment status confirmed as being contracted employees. If their claim is successful we would be similar as I have in the same way as the self employed people would have for claims for unpaid statutory holiday pay. The employer has not paid me correct statutory holiday pay. The employer is seeking to have my claim struck out as I am not a self employed person. I am aware that the tribunal does have the power to waive or vary the requirement that all claimants under a group claim have to be similar. To what extent would the tribunal consider or waive the requirement? If I had to submit a new claim, would the date of submitting the claim be replaced by the date I originally claimed? If it were not to be, I think I might have an issue with being out of time. Any help please would be greatly appreciated.

Hi, Hopefully someone can help with this.. My wife took out a debenhams card back in 2005 due to difficult circumstances in 2008 she defaulted on the account. this lead to eventually having a CCJ registered against her and a charge put on the property in October 2009. i have all the paperwork for this including the original agreement she signed in store, default notice court claim form the works. we are in a better position now and would like to know what would be the best outcome for resolving this? The CCJ is for just over £2k The ideal outcome would be to get the charge removed removed from the property, the CCJ removed from the credit file and a chunk if not all of the outstanding balance written off but that maybe too optimistic. any advice would be welcomed. Thanks in advance Covers22

Once again the letter from my work provider telling me a telephone interview has been arranged and that I must be available for it. I know I do not have to participate as I am in the support group, but it is criminal how they hound people (we look forward to seeing you again, and helping you find the right job). How can they 'see' me over the telephone. It's so exhausting keep up with all of this, failed PIP medical, lost mortgage relief form, now these people. You get to the point of just wanting it ALL to end.

I have had an ongoing claim with Jet2 for compensation following a fight delay in Feb 2011. There are six family members in the group, my wife and I, and four children under 16. I am the lead passenger and paid for the flights and the booking was made using my Jet2 account. It was a technical fault and they have been using the “unexpected circumstances” excuse since 2011, and most recently said they were waiting the outcome of their appeal to the Supreme Court which they said would affect the outcome of my claim. When the Supreme Court refused permission for them to appeal, I wrote again asking for the full amount plus interest. They have now asked me to submit a separate claim for each individual or they won’t consider them. This is the first time since I first claimed in 2011 that they have made such a request. After my initial claim, they made a partial pay-out for our allocated seats booking-fee, all on the same claim. So they have the all the passenger details and they have even partially paid out on the claim. I am inclined just to go straight to the County Court now because they are obviously just time-wasting. In my most recent letter, I said that if they did not inform me within 14 days of how and when they are going to compensate me, I would pursue the matter in the court. Am I now justified in taking them to court? Is it reasonable of me to expect a reply in two weeks after an almost four year on-going case ? Their normal reply time is six to eight weeks. If I don’t submit the claims again individually, would they be able to use that as reason for not paying if I go to County Court? Many Thanks

I have been using this site for a while for information and advice given to others and have found it very valuable, so first of all well done to all involved helping consumers. thought i would post my issue as seems i need some specific advice on what to do at the moment... I moved down to London last year and signed up for a gym membership on a corporate rate through my work. I didn't actually involve my work, but when i went down to discuss the membership i mentioned i worked for the company i did and negotiated a deal with them. when negotiating i specifically asked (because my work contract was only 10 months and wasn't sure how long i may stay in london) if i move house or leave my current employment am i able to cancel early, i was told most definitely that wouldn't be a problem. and that was it.... the contract i was on in their T&Cs meant my monthly fee dropped from £100 to £75 a month. low and behold in the summer i decided to leave as my employment had finished and although i would be staying in london, i had found a closer gym to me, but i had left my job and was freelancing or as far as the gym were concerned 'unemployed' i called up to cancel and was told that, if i was to cancel early, i would have to give 3 months notice, but also my membership would have to be upgraded back to a full membership and pay the back dated £25 for the months i had had it discounted, as well as 3 further months at £100, as you can imagine i kicked off with them big time. The gym advisor had not detailed any of these charges when i confronted him about the process of cancelling early, and i said this basically amounts to mis-selling a contract or product which of course is illegal(it?). I played hardball and told them i had sought legal advice from my solicitor (which i hadn't) and that was told to demand them to release me from my contract i told them the advisor that had mis-sold me the contract had intentionally done this to get my to sign up. i was told as a 'gesture of goodwill (ha!)' they would 'waive' the back dated payments and i could cancel for the remaining £100 each month. i told them this was not acceptable, i said i wanted to be released from the contract and that i would serve a months notice as a fair compromise. i didn't hear anything back. so as a compromise i decided to just pay the remaining 3 months and then cancelled my standing order with them. shortly after the standing order had ceased, i received letters telling them that i had missed payments and still had a contract with them, they basically ignored my letters and continued to try and take the payments as normal. i sent them another email saying that back in march we had had the discussion to cancel, you had told me it was 3 months. i paid april may and june's payments and now i consider myself no longer a member. please cancel down my membership. i didn't receive a reply. i called and the account managers' argument was that i hadn't paid the full membership 3 months notice, i had only paid the £75 a month. so therefore i still owe £75. On the phone she had confirmed that £75 would cancel down the account... i wish i had got this in writing!! hindsight... FYI the advisor that sold me the contract has ceased working with them. either he left or more likely he was let go for using this technique (probably more than once?) i received standard letters with requests to pay from the gym and then finally good old CRS got in touch. i haven't made contact since. from looking at forum threads, i made the decision to ignore them. the balance now apparently stands at £434.20?!? i receive a weekly or fortnightly letter from them with new ways of saying i should pay, and i could be in big big trouble if i don't pay. i receive regular text messages telling me to contact them .i have not made contact the latest letter says... 'We regret that despite out attempts to reach an amicable resolution on your account (haven't made contact yet??) you remain in arrears to ROKO We must therefore give notice that failing to reply to this letter within the next 10 days will result in your account balance being passed to Zinc Group, one of the UK's leading providers of debt recovery solutions WE WOULD STILL LIKE TO RESOLVE THIS MATTER (oh yes I'm sure you would lol...) We're still happy to listen to your reasons for not paying (are you really?) and will do whatever we can to reach an acceptable resolution for both parties (lol)/ all that is required for you to call us on NUMBER so we can discuss the matter further (thanks for making it so easy for me..)" anyway, aside from the sarcasm, it seems they are either giving up on the dept and selling it on? or moving it to Zinc Group to pursue having looked at the forum it seems Zinc are the same type of jokers as CRS so what do you think I should do? quite happy ignoring the letters and messages but wondering if that is the best resolution To be honest i would probably pay the £75 just to get them to go away . but then i think, no why should i? they have taken the mickey and mis-sold me the contract. i acted very reasonably considering what i was led in too so is there a more legal and legitimate way to approach this or should i just ignore them. excuse the essay, but its a complicated one... any help is GREATLY appreciated in advance! thanks