Hi my friend regularly sends over 6k sms from his mobile phone. Today he has received a letter from the head of consumer marketing that they will close his account due to excessive usage which goes against the terms and condition? he has not received any prior warnings regarding this matter and regularly sends sms within that region. He has no issues with any payment, he is baffled that the letter has turned up out of the blues. Can the operator do that without any warning? what rights to this customer have in a situation like this? kind regards

just finished (early) a loan with bank of scotland ive had a couple of loans . 1st 2003 then in 2004 i borrowed a bit more on that loan.then again in 2004, and the last time in 2006 so in 2006 this is what i had loan amount £20.000 interest £7.830 insurance £10.000 interest on the insurance £4.742 so in total £42.573 paid £506.83 over 84 months the insurance is half the loan. worked out at £175 a month or £44 a month or £2200 a year is this a bit high for insurance? ive rung bank of Scotland and told them i want to file a claim for misold ppi told them i work full time and get sick pay also the £2200 a year i paid for insurance would of paid at least 7 months payments had i been off sick had i got the insurance elsewhere. what would i have had to pay i dont recall being told i had an option to get from another source

Hi All First of all, I'm not overly convinced this is the correct area for this thread so please move if needs be (although it doesn't seem to fit in any category ) I have sent my SAR to Gregory Pennington so I can see exactly what I have been charged for doing what. My question is what is deemed as an "excessive charge"? Does it depend on the size of the debt or is there a scale used or a "suggested amount"? I'm a bit clueless here really but after spending 4 or 5 years paying off this debt I want to make sure I wasn't shafted too badly:D (Already guessing I was lol) Thanks Ustasi

My 16 son was on the phone more than usual as his girlfriend needed support - her mum was dying of cancer. Vodafone let the bill run up to £1500 and then put a block on it. I spoke to them and they could see that his bills for this number never went beyond £25 and yet they let him run up a £1500 bill before taking any action. They have lots of numbers to contact us and they also have an email address and a home number but why they thought not getting in touch and putting £1500 block was a good limit to place a block is beyond me. Surely it would have been appropriate to put a £100 block which is 4 times the normal. Please does anyone know what I can do to get them to see sense as talking to them is useless as they are so unsympathetic. I really feel like they are trapping people by their contracts and then saying that they can't do anything about it. I cant help feeling like they won't do anything! They do not see me as a valued customer for the last 12 years but someone to trap in a pitfall and then milk money out of. The maddening thing was the day they decided to place the block was the day my son's girlfriends mother died when she needed him the most and couldn't get hold of him. I would really appreciate any advice that could help on this matter and thank anyone who reads this for taking the time

Friends Firstly can I apologise for the 'multiple posts', but everyone on here especially the site team have given me the confidence to get myself back on track and sort things out, THANK YOU ALL. The next dilemma - in 1999, whilst living in Scotland, my wife and I took out a loan with Paragon for £15k, shortly afterwards my wife became pregnant and we had to move to the other end of the country as my employer moved me. With my wife losing her job and moving we found ourselves with less money than we had anticipated we tried to use our PPI but were told pregnancy wasn't covered and that as I was still working we couldn't claim. Within a year we were on reduced payments and despite requesting to have the intrest stopped Paragon refused. In 2001 we stopped paying the PPI as it was pointless having it. We carried on with reduced payments until 2006. We had all the usual DCAs chasing us and stupidly (?) ignored them. In 2009 we submitted a SAR to try and get all the information regarding the account which had been purchased by Arrow, the reason was that they were demanding over 36k. It turns out that we did actually repay approximately 9200 towards the original amount and it turns out £26,605.07 is made up of interest charges and 'sundry' charges which seems a bit extreme. At one point Arrow offered us 'a unique discount of 65% and demanded 11k payment! We calculate that we should owe around 6k, there have been plenty of threats of court action but no 'actual action' (if that makes sense). We actually sent SB letters to two sols and they dropped it, Arrow have never come back and said it isn't either! We believe that our last payment was in in Dec 2006, however Arrow have sent us a statement showing two payments in 2008, we can't recall those! My questions are: 1) As this was taken out in Scotland is it SB (5 year rule) 2) Are the charges/interest excessive 3) Waht do we do next? Thanks for listening guys and gals DT&FE

Hi all and thanks for taking the time to read our forum entry. Hope we are doing this right since this is our first time that we have written a post on a forum. For the almost seven years we had an outstanding debt that we have been paying back to Natwest that originated from a Business Account (a Sole trader Account). It comprised of an overdraft and business credit card, which like so many people, had been given charges more times than should and at an excessive frequency where we would have to check the account everyday just to see how much they added on. After numerous pleadings they finally stopped charging and agreed to hand over the account to Debt Recovery where I could pay back interest free over a period of time. An initial amount was agreed however they would usually ask for an increase every so often, which I stated was not possible. Approximately two and a half years ago I was made redundant and my relationship broke down, and thus resulted that I needed to reduce my payments. I sent a letter to Natwest advising I would be reducing payments to a manageable amount inline with my financial income. I had not heard anything back from Natwest and had not thought anything further. Over the last few years I have continued paying Natwest and lately have been managing to increase my payment since my circumstances have changed for the better all round. Yesterday I received a letter from CapQuest advising that they had received the debt from Natwest and I had to telephone them to avoid a visit by a doorstep representative. Worse still the debt has increased dramatically. Minus the payments that we have made the debt has increased by almost 250% (two hundred and fifty) from nearly £1700 to almost £6000. I have been reviewing posts in the CAG forum by a lot of brave people (and braver representatives) and am comforted that there is hope and advice. I would be grateful if someone could give guidance on how to approach them initially since the debt they request seems ridiculously high. Again I am extremely grateful any advice that anyone can offer.

Hello all and good new year, I applied for a mobile with CPW, I only made one application and was accepted. I applied for a mortgage and was refused as two many applications on my equifax credit report, (£500 application fee lost). On my credit report CPW have entered 6 entries in table 1 search for one application! reason OPT IN. at two address on different dates. ie 3-nov;4-nov and 5-nov. (my current and previous) As I only made 1 application is this legal? I have contacted CPW, they have stated that it was a computer error and contacted equifax and removed one entry, when they should have removed 4 - two at each address. As they have admitted the mistake and I have lost money due to this error, are CPW liable for my losses? THanks

I received a judgement from the courts saying I owed council tax to Mendip Council. I immediately started paying £30 per week every week to the council via my bank account. Yesterday Equita turned up demanding the full amount PLUS £260 in charges for delivering the letter by hand. I rang the council asking if they would consider asking the bailiffs to back off as I am paying them weekly. The bloke on the phone aknowledged I was paying regularly but said that the debt now belonged to Equita and that once I paid the council all monies I was paying the council were forwarded onto Equita. Given that people are being advised to pay the council direct on here, rather than pay the Bailiffs, what exactly is the situation, as if I am paying the council directly and they are forwarding the money to Equita, it seems very very odd that Equita then have to send that money back to the council. Can someone clear up what happens when I make payments directly to the council, and why, if what the man is saying is true, that money is being sent to Equita when its sole purpose is to clear off the arrears of council tax not pay Equita bailiffs ridiculous amounts of charges.

My bank has recently charged me £150 unauthorised overdraft fees in the last month and are due to charge a further £75 this month. That is £225 on an overdraft facility of only £250!! THAT IS 90% OF THE OVERDRAFT FACILITY. In my opinion that is grossly unfair and bordering on theft. By the way, the account is only over the overdraft limit by £60 and would have been well within the agreed limit if it were not for these charges.

Hi there, Have recently moved to the UK and have been stung with £240 of Bailiffs fee's after having not paid council tax. The Bailiffs went to our landlords house after I never registered for council tax, our Landlord paid the bailiffs fee's and council tax, I registered for council tax and paid the owing amount, the landlord has since been refunded except I now owe £240 of fees for a single visit. This seems excessive. What are my options here? Ask the landlord to send of a template letter for a break down of the fees? I guess the letter needs to come from the Landlord since she has paid. What should I ask the council regarding these costs? I also feel like the Landlord must have had warnings from the council and obviously did not notify me. I never received any mail or warnings. Is that normal? Any advice is appreciated

Basically the letting agents are trying to keep all the deposit (£800) because the old house has a few marks on the wall where sofas have been etc, 2 fag burns in the carpet (ok hands up to that one, but it's a cheap carpet which I've priced up as £200 fitted) and holes in the wall where curtains have been put up (apparently that's not allowed). We tried to wipe clean the walls but it was taking the paint off as it was obviously low quality. They won't let us look at what they're on about or get a quote to fix it which would be no where near that figure, maybe £300, and are threatening to go for the full quote amount of £1700 if we go to dispute. Any ideas? They want an answer off me today as they have someone moving in apparently and want to redecorate! Cheers Matt

I have been renting out a flat for six years, but since then, the original management company have been taken over by O&M Management. The charges have increased and on a £70k property, I am now paying over £1200 per annum. Can anyone tell me how I can get out of this agreement or instigate a change to a more professional company? Fred