Dear All I am a new user, I am here because I have a problem and I was hoping here within these realms I can get some advice. In March 2012, I booked a flight with fly.co.uk. Got what I thought was a cancellation email. (my bank put a stop to it, as it was unusual activity on my account. ) Went ahead and rebooked the flight through the email. In August, I started receiving, demands for cancellation payment. I thought this was odd as I had booked the flight and used it. I replied back to their email and did not hear anything from the till October. I got another email, replied back, a month later one more and I replied back, stating I had used the ticket. No reply. Eventually I get a letter saying they will take me to court. I called them up and they have told me that the first ticket I ordered was not cancelled but became cancelled after I did not return their email. They are telling me, I booked two tickets, even though they are identical and that I did not cancel one and thus I am liable for the one I did not cancel. However, I did not realise that this ticket was not cancelled and they waited until August to inform me that it had been. I feel that the below email, if you did not know the context, is not clear and gives no clear steps as to what to do next and could be mistaken for a cancellation email. Is there anything I can do or should I just suck it up? The cancellation is 120 pounds. email I received about the failure of payment. Dear Mr ********************* This e-mail has been generated automatically ********************* Thank you for your flight request: 8H4WRA. ***********************************************************************************************************************************************************Unfortunately, we were unable to charge the price of your flight to the credit card you provided. Please contact the serviceteam of your bank or credit * *card company. We must inform you that the price of your ticket could increase anytime, and that your reservation can be cancelled by the airline, if your ticket cannot be issued within 24 hours after booking. If you have requested insurance, the cost will be charged directly to your credit card by ETI – International Travel Protection. If this is not possible, they will contact you directly. Please do not transfer any payment for insurance to us. In case of a cancellation, fees apply for the processing of your order, in accordance with our company regulations (Terms and Conditions). Please respond directly to this email to ensure the shortest possible processing time. ************************************************************************************************* In case you have any questions, please do not hesitate to contact us. Best wishes, Your fly.co.uk Team Unister GmbH Barfußgäßchen 11 04109 Leipzig Germany and that

Hi guys, just a quick query. Over the last year i was stupid enough to have severaql payday loans to which i was not able to pay. First was with MiniCredit which is being dealt with, and sure most people that use this site are aware of the issues with this company. The Second loan is with CFO Lending. Both have issued me with several charges to my account, including missed payment charges and interest charged per day. On this site and others I have seen stated that the amount that people have to pay is "amount borrowed plus one month's interest" I've informed both companies of this to which they say this is not the case, i have tried to do some research on this matter online and have failed to find any other reference to this on any other sites other than forums, this does not appear (from what i can see) within Consumer Credit Act 1974 or any amendments and does not seem to appear under any OFT guidelines. I don't doubt in the slightest that this information is correct but i can find any law that would back up this. Where would i find these laws or guidelines which states this amount of charges applied to accounts? Dont get me wrong I know I am liable to these debts and will pay these back, but I think i should only be paying what is lawful.

Hello. I am the sole Director of a small Company. I have been on holiday to the West Country, for one week. Today, is my first day back. This morning a bailliff from NSL turned up, although his Company paperwork said 'Task Enforcement Ltd', demanding £799.34. I was a bit, taken back. I asked what for and he gave me a warrant for £202.00. When I queried the difference, he kept suggesting that I could not read. It later transpired that the difference was his costs which he had not given me an account of. The original fine was for a yellow box junction, which I had contested. I did recieve a letter back, saying that they had found against me, and that my next option was to pay or go to court. I had planned to go to court to fight the yellow box fine, as it would have been a 'de minimis' infringement at best. With the pressure and time constraints of running a small business, I opted to pay the fine, although it did sit on my desk for a while. I was on holiday for 8 days and today is my fist day back at work. The bailiff was extremely curt and rude, especially as my business is customer facing and I had customers in an out, while he was here. I telephoned my bookeeper, who told me that while I was away that he had paid, a fine, but could not be sure which one. I told the bailiff to come back tomorrow and talk to my bookkeeper. He was not interested, he just wanted the money now. I asked for his ID which he was reticent to give. His badge gave a telephone number to call to check his ID. I called the number at 11:37 and it was an answerphone (they actually called back at 14:05, half an hour after the bailiff had left). I left a message, saying that I wanted to check a Bailiffs, I.D. Eventually the bailiff wrote out a, Notice of Seizure of Goods & Inventory. To which he started to add items and costs. The costs amounted to: Debt/Penalty Charge Notice £202.00 Letter £11.20 Levy Fee £56.73 + £59.85 Attendance to Remove Goods/Vehicle £175.00 Aborted Removal £195.00 VAT on Enforcement Costs £99.56 A grand total of £799.34 He showed this to me and I told him that I am not agreeing to it. At this point, he had not completed an inventory. I told him that the desks, computers and printer in the office, we not mine, but were leased. At this point, I had to leave the office for a 30 minute appointment. Told you, small office, there was no one else that could do it. I told him to return tomorrow, when the book keeper was in. He said no, he was removing everything from the office now. Whilst, I was out, the staff called me to say that he had started to unplug their computer's and was pilling them in the middle of the office. He was pestering the staff to pay his money. She staff told me that he had said he would wait in the office until 1pm. Eventually, one of the female members of staff, was so panicked that he was unplugging her computer, that she paid him the £799.34 from her own card. When I returned to the office, I noticed that he had completed the inventory, to include a large printer in the office, which is leased, as well as a cheap Dell Computor and a cheap binding machine. Also, he had riffled through my desk and drawers and appears to have opened some of my mail. Of which part was a new log book for one of the cars. The registration No of which he scribbled in the top corner of the Warrant of Exectution. Is anyone able to give me any advise or tell me what to do? I have been well and truly ripped off here and I do not want to let matters rest. Whilst on the subject, I have come across John Galt of bailiff-mediation.com. Has anyone ever used John and can they confirm that he is reputable? I have read other posts, but they seem to link back to a dead link. Thank you.

hello I am new here and i am stuck as to where to post. I would like some help and advice please with a schhol fee's disoute i am having - can anyone please help me - thank you

Having moved house i am using the energy suppliers that the seller used after moving out of my last house making the cut from British gas they have billed me for a disconnection fee and now a late payment fee(£14)! they claim i had a contract i never sighed anything.I only agreed to pay them for energy used The disconnection fee(£50) it never was disconnected as my buyers have picked up the supply can they charge this Have written to BG they have failed to respond Thanks:-D

Hi, I have paid a £410 admin fee over the phone using my credit card on the 2nd of October to a letting agent On the 9th of October I informed them that I could not proceed with the rental due to personal reasons. The agent refused to return any of the monies to me. My Question is; at no time did they say it was non refundable and nothing was signed by myself or any one on my behalf. The house was still being marketed and all they had done was to send me 2 email forms to fill in which I had not got around to doing. Have they the right to keep it all? I would be happy to let them have something for their very small amount of admin. The agent had informed me that there was no rush as I couldn't move into the property until the middle of November. The agent has informed me that my £410 has already been given to the landlord so the agency cannot return it to me as they don't have it anymore. Thanks for any help you can provide.

can someone give me some legal jargon that i can use to get my insurance company to knock that fee down considerably or completely? im pretty sure thats an unlawful charge. the insurance company has done nothing to notify me the payment is late. i only know because the direct debit was returned to the bank due to lack of funds. now they themselfs probably dont even know its been missed yet. so im going to call them up and tell them and make the payment on the phone but i'd like some legal grounds to fall back on incase they get snotty over it.

Bailiffs took my car. Sent me letter stating: If you will not pay the fine before 15.06.12 - your car will be sold. I did not have the money to pay, so on the phone conversation I offered them to sell my car. Since then heard nothung from them until last week. Letter came stating: your car was sold for 600£ and storage fee is 3100£. Pay the outstanding amount within 7 days

Hi, my girlfriend recently moved to England, and after taking a few flat viewings, we found a really nice place for her. We set about reserving the property, by paying the letting fee. The letting agent said that the tenancy was secured as long as everything went according to plan in regard to the guarantor form. After she paid the letting fee in cash, she was invoiced. At the time I thought nothing of it, but on this invoice it said non-refundable payment. The agent raised this point and said that because he hadn't spoke to us about the fee being non-refundable prior to putting the money forward, that it didn't apply, and crossed it out in biro. From there he just required a guarantor form, because, at this point, my girlfriend did not have a bank account or a job (she needed an address first). After some talk my dad put himself forward as guarantor. We filled out the guarantor form, and sent through proof of address, identity and income. Now as far as I was concerned a guarantor was just somebody that could ensure payment should the tenant not be able to. However it developed over time that my dad would have to sign a co-tenancy agreement alongside my girlfriend and that a direct debit would be set up out of his account. We found out this information at the same time as being told that the property that my girlfriend had put the letting fee down for had been given to somebody else by the landlord, but that there was a bigger and better flat in the same building that she could have for cheaper than the original flat. The letting agent made out that this was the landlord being impatient because a week had passed before we finally sorted the initial guarantor information. Either way I knew my dad wouldn't accept those terms, and so we had to pull out. At this point however the letting agent said that he had passed on the letting fee to the landlord (which made no sense to me as the letting fee is surely for the letting agent), and after I said that we wanted it back, especially considering that money was for a flat that was given to somebody else, the agent said that that might be a problem and that i'd have to give him the weekend to sort it out with the landlord. Following that, I rang the letting agent back after the weekend and he said that the landlord wasn't giving the money back, but that we could have a credit note of the same value to use at the letting agency in the future. Now I'm at a bit of a loss, and was hoping somebody could give me some advice as to what to do next. Has the letting agent pocketed this money and is palming off the blame on to somebody else? Thanks Joel

I owned a motorcycle which I sold around a month ago. Then I called my insurance company to cancel the insurance, they told me to send them the original insurance certificate which I did when they received it they said its ok to cancel my direct debit. Then after 15 days or so I got a call from them to pay the 'cancellation charge' of an amount of £400. My original insurance premium was £180 a month (TPFT). I don't understand this charge and since I was surprised the lady on the phone told me to check T&Cs in which she claims that there is a term about cancellation charge. I still havent read this because it's at home, I will do first thing when I reach home tonight. Is there anything else I can do to avoid or reduce this? It is ridiculous amount of money to 'cancel' something that I stopped owning a month or so ago!

hi, i gave 190 pound as admin fee and 250 refundable holding depposit to estate agent. Now after All is well. the landroad refused and the agnet will not give me my money back. :-x :-x :-x :-x that is 190 + 250 which he should of given back automatically. thanks please help me get my money back .

Surely if a card account is closed,then there should be no way CPP could request further fees ? It is not clear from the report exactly who was at fault,but it raises lots of questions. http://www.dailymail.co.uk/money/saving/article-2198244/Will-victim-NatWest-customer-meltdown.html

So Myloans have taken a broker fee from my bank i did visit the site and did enter my details however on the final page it stated a £69.99 charge, i closed the webpage. Next morning they've already taken the money, had to wait until this cleared to arrange a chargeback, however this is where my issue lies Bank is stating that because i have seen the list of comparisons (however i did not finalize the application) that i have negotiated n(see definition below) with the company and therefore cannot apply for a chargeback. This stumped me, not sure whether this is right or not as the OFT is states that brokerage fees should be limited to £5 (also below). Any advice on what i should say to the bank or how to word a statement to them that they wont be able to argue with The Consumer Credit Act limits a credit broker's charges to £5 if, following an introduction to a lender, an agreement is not signed within six months. If more than that has already been paid, brokers must refund the excess on request. source: http://www.oft.gov.uk/about-the-oft/legal-powers/legal/cca/brokerage-fees/ Definition of 'Brokerage Fee' A fee charged by an agent, or agent's company to facilitate transactions between buyers and sellers. The brokerage fee is charged for services such as negotiations, sales, purchases, delivery or advice on the transaction. Source: http://www.investopedia.com/terms/b/brokerage-fee.asp#axzz24Aj7URRs

I am not sure how common this is for the indigenous students of London? Almost two years ago, I studied for a Masters (Msc) degree at a leading London University in a Mathematics based subject. 99% of the students on the course were overseas Indian students. For some unknown reason I was charged the exact same tuition fees as the overseas Indian students. I should have only been charged £3,000 but I was charged £12,000. I complained non-stop to the universities finance department and they attempted to correct the mistake but failed to do anything to resolve it. I was then officially suspended from the university for not paying the £12,000 tuition fees within the agreed time. This meant I could not attend lectures, sit exams or hand in project work. I complained to the course tutor but I was ignored. I complained to the head of the finance department but I was ignored. I complained to the head of the Mathematics department but I was ignored. I have never received a reply from anyone at the university. I wrote further emails and letters to the university finance department. None have ever been acknowledged. I then received a letter from the University bailiff company demanding I pay £12,000 plus their administration charges. I decided to change my approach by escalating the matter to my local MP. My MP managed to persuade the university to see its failures. I received a revised bill of £3,000. No explanation was given for their mistakes. I was still deeply disappointed at the way my education and time had been wasted. The university expects the full tuition fees to be paid. Why should I pay for a course which I have not received? I should have only been charged for the six weeks I attended the university. None of this was my fault. I find myself in a situation where I have been issued with a county court judgement for £3,495. How can I reverse this or even fight it?

Due to problems with getting incoming calls I want to leave AOL Talk and also AOL although I have no complaint with the broadband service, but they say if I leave before January they will charge £68. I want to leave because they are not providing acceptable telephone service. I have my answerphone set to cut in at 7 rings, and 3 minutes for message recording. It cuts in at 2 rings and the caller is told they cannot leave a message. It is not my phone, when this started happening I bought a new one and it's exactly the same. The message people are getting is not one I have recorded nor is it one of the standard messages stored in the phone, so it can only be coming from Aol Talk. Because of this I don't think they can justify the £68 charge. They are actually losing us money. My husband's customers (and prospective customers) are not able to get in touch unless by mobile which he can't always answer or they don't want to pay the extra charge involved in calling a mobile. The new provider will handle all the changeover details but how do I get Aol to at least reduce that charge?

Hi i have a PNC which was for £82. i have filed a stat dec out of time but this was refused so i have applied to have the decision reviewed by a district judge. I have had one visit from a bailiff who simply posted a letter through the letter box. The letter said that they want £418.70 in total for a £82 parking ticket. When i called the bailiff they said that the had done the following work: 1. sent a letter 2. attended the address 3. attended the address I dispute 1. as no letter was received and also 2. a someone is always at home an no visit was made and no letter put through the letter box. The bailiff also said when i spoke to him that he is going to visit the property again and that the total will go up to £580 - over £160 for a visit! I have asked the bailiff to give me a break down of what the charge for letters and attendance - i am waiting for a response. I have read that they can only charge £11.20 for a letter plus vat and then £28 plus vat per visit to the address up to a maximum of 3 visits - but this applies to attendance to levy but not attendance to remove goods. i anticipate that the bailiff will say that they attended to the property twice not to levy but to remove goods - for which it appears that they can change what they want as long as the charge is 'reasonable'. i have read somewhere that bailiffs can not change an attendance to remove goods fee without first levying goods, but i can not find any legislation or cases that support this. what i therefore need to know is 1. is it correct that a bailiff can not charge an attendance to remove goods fee without first attending to levying goods i.e 2. if this is correct what is the legislation /rules/ regulations/ cases that support this 3. Can a bailiff attend the property to levy goods, charge a levy fee but on the same visit remove goods and also charge an attendance for removal fee? 4. are there any rules that clearly set out the process that a bailiff must go through? 5. Can a bailiff attend the property with the intention of removing goods when his does not know whether there are any goods in the property that he can remove and still charge a attendance to remove fee for this? answers /comments will be appreciated. Thanks

I've just come to pay my latest Vodafone bill and have noticed they've added £5 as I was late paying my last bill. Firstly, I know this is a stupid way to treat customers as I will up and leave after my contract ends as they clearly don't appreciate my business. I am sometimes late paying but always pay. And I wouldn't mind, they're prices are already one of the highest in the industry. However, is it legal to charge an administration fee? I have just tried to phone them and spoke to someone who told me they can't access accounts at the moment due to a system upgrade, and I had one hell of a time upgrading in November. Can i charge them an admin fee if that's the way they want to play it? Thanks,

Hello all, I'd like to ask some advice and information on my issue. Last year I enrolled to a UK college (I'm from the continent), believing I'll find a job on time to be able to pay the tuition fee but that did not happen so I eventually moved back to my home country and informed the college I can't carry on my studies as I have no money for it. I wasn't told (at least, can't recall that happening) that even in this case I'll still need to pay the enrolment fee so I acted in the belief that there won't be any consequences (I know that's my stupidity). Early this year I received a bill from the college that I need to pay the enrolment fee (about 500 pounds, which is a lot of money for me, living in Eastern Europe). They said if I dispute that claim I can send them an e-mail etc. which I did but I received no response at all. Than a few weeks ago a debt collector company sent me a letter telling I need to pay that amount. I don't find this whole method satisfactory at all, but the main point is that I just simply cannot afford paying an amount that's way over my monthly income. So my questions are, what can I do? And what can they do? I really don't want to be locked up or something but I just have no means to pay this at the moment and it's unlikely to get any better soon. I appreciate any advice and information.

I moved house in April 2011 and continued my BT landline contract they never told me that it was for 18 months or that it would automatically be renewed. I decided last month to change to an all in one Broadband/telephone line with another company. BT emailed me to say that there was a cancellation charge so I contacted their technical help online and he said no there was no cancellation charge and emailed me a copy, however I have now received a final bill and the cancellation fee is still on it. I spoke to BT about this and they said my contract had been automatically renewed in May 2012 but no one told me this and according to Of Com this is no longer legal so before I write to complain I just need to know if I do have to pay this or not?

I received a letter dated 17 Feb from Northern Rock Asset Management PPI Review team. The letter states that I was sold PPI during the period 14 January 2004 and 18 March 2008 and invites me to request a review of my policy. They provide a checklist where I can select the possible misselling criteria that might apply to me. My memory is sketchy about the loan I had with Northern Rock and I think I paid it off early. I have no recollection of taking out PPI as it would be something I would generally decline. My initial thought was that this was a genuine attempt by NRAM to rectify any misselling incidents however another poster has mentioned NRAM are doing this review for a 30% fee. There is no fee mentioned in the letter I have received. Does anyone know anything about this as I am sure I am not the only person to have received such a letter. Thank you

I recently sold my car, and my insurance company charged me £70 for cancelling the policy early. Is there any way I can reclaim the money through the courts? Thanks Jeff

They say that their rising costs must be met by increased fees to licenceholders. http://www.dailymail.co.uk/money/cars/article-2148159/DVLA-hike-fees-drivers-offset-EU-costs.html

HI there, I stupidly took out a current account with Santander in my first year of uni and proceeded to max out the £1000 overdraft limit. Thinking nothing of it i continued to pay my bills from my Natwest account. I then attempted to apply for a phone contract and was turned down by several of the major telephone providers. So i checked my credit report to find i had 6 missed payments to my Abbey account. I had no idea how i was missing payments as i had never organised any pay plan with them and had no idea that i was in any sort of trouble with them as they had never written to me. From then on i noticed they had slapped on an unarranged overdraft fee of £50 per month. Before my credit report worsened i arranged in January to have a payment plan with them of £32 a month as im still a student it was all i could afford. This was despite several arguments with them that i had to pay £70 into which they tried to bully me. I have been continuosly paying the £32 a month fee and havent missed it, and they had stopped their charges. Until this month where i have received a bank statement saying that they are now charging me £100 per month in unarranged over draft fee. HELP!!

Hi everyone, My sister receieved a claim form from a school which my niece havent even attended and we are not sure what to do! She sent my niece (5 year old now) to school's nursary in Summer 2009. But she didnt carry on sending her to the same school. But she paid all the nursary fees at the time. However, the school claims that she was withdrawn without notice from the primary school. She only attended the same school only for the nursary and they have no proof that she was agreed to carry on for the primary school. Here is what the particulars of claim section states: ------ Outstanding Fees of #80 for Summer 2009 and Lieu of notice for Autumn 2009 because a full terms notice was not given prior to withdrawal of child from Langdale School. The claiment claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from 01/09/2009 to 14/12/2009 on #1,077.00 and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of #0.25 ------- The letter was received on the 15 December 2010. And from the date i believe she has 5 + 14 days to respond so that leaves her time to respond until 3rd of January! She usually leaves in Blackpool, she only came down to London to see us for the holidays and only now she told me about the letter! And i really dont know what to do! Not sure if theres time to extend the deadline! Thats why i need your help guys. We have only 3 days left and here i am sitting on my laptop on new years eve trying my best! I would really appreciate if you could help me with this matter... I wish everyone a happy new year and i hope all your wishes come true this year... Many Thanks. Kindest Regards; iceboy

My husband bought a motorbike from a website. It's a Chinese import and is brand new. He paid the deposit and it was imported and built for him. It was delivered today and he checked it over and paid the remaining balance. But once he'd signed for it he was given some paperwork and then told he'd have to register it himself, and pay duty to the DVLA - which he was not told about. We're looked all over the website and it says nothing about this anywhere. At no point did the guy he was dealing with mention that he would have to register the bike himself in order to get a reg plate and insure and tax it. Where do we stand? Should the company refund this money?