Has anyone else had a nightmare with utility warehouse ? I have unfortunatly been with them for nearly 2 years , and i am paying roughly £165 a month for all my services , like home phone broadband , and i have 4 mobile contracts with them , i have never had any issues with them so far until last week , i always pay my bills a week before they are due to be taken from my bank a nd apparently i am a gold customer with them , ( i thought that was a benefit of being a good customer ) , apparently it amounts to nothing with them , i rang up last week , and i explained i wanted to upgrade a contract early , as all their phone contracts have 2 yr terms , i wanted to upgrade a contract that was due to run out first , which was in 11 months time, but i got told that the bill to upgrade early would cost me £88 , i asked if i could pay that over the phone with them , and they told me NO , you can have the upgrade , but the £88 would go onto the end of your july bill , so i said that was fine , they told me they would process the order and ring me back the next day , the next day came and got no call back , i then called back and the same thing happened again , and then again the day after , i rung up to complain and they told me i had failed a credit check with them for the upgrade , even though i had never missed a bill never paid late and never had a single issue on my account and i wanted to pay off my remaining upgrade there and then , yet 3 of their advisors told me otherwise and said you can upgrade , in the days prior to this call , , i told them i was leaving as i didn't appreciate being fobbed off and lied to , the attitude started , like they couldn't care less , and now for the past 3 days my internet has gone from being perfect to very very intermittent , it keeps cutting off and then going back on again , they may seem polite on the phone , but this companies loyalty to their customers is none existant , and they dont care lol , stay away from their are better providers out their !!

I'm hoping someone can give me some advice here. I took out a Learner driver policy for my son last September after buying him a car for his 18th Birthday. He was the owner and I stupidly did not change my name to his on the V5 so was the registered keeper. When I took out the policy I was named as a named driver, the policy was in his name and I declared that he was the owner/registered keeper of the car as I had my own vehicle. Two weeks ago, he drove his car to his friends and I drove the car home. Unfortunately, I drove into the back of someone and the insurance said the car was written off. The insurance company have refused to pay out because they said that I didn't say that I was the registered keeper of the car.I can accept this as an oversight on my part but they have now voided my sons policy and he has to state that he has had insurance voided and therefore insurance premiums are ridiculous! Im absolutely devastated about this as it was a genuine error on my part. Has anyone any advice regarding getting reasonable insurance cover for him? Many Thanks.

This is a very long story so please bear with me, I am now at my wits end and could use some advice if anyone could please help. March 2013, I heard from a friend who worked at the local VW garage that there was a 2007 VW Caravelle coming in as a part exchange. I'd been after one for a while so once it was in I went to look at it. It was a lovely bus, first owners were no other than Ant and Dec so it had all the bells and whistles. On the test drive it went well, I noticed the automatic gearbox was a little 'laggy' when I got back I discussed this with the guy I know, he said it would come with warranty and I specified that it had a gearbox and engine service as a condition of sale. I agreed a deal, part exchanged my trusty Passat and the finance went through. Fast forward a week, I collected the vehicle, after a few days I noticed the gaerbox was still laggy, and it was a bit clunky sometimes selecting the gears. I decided to read up and find out it is a common fault, due to the gearboxes not being serviced. I went back with the vehicle to ask what, if anything they had found when they serviced it, he went to check, and then came back and told me it wasn't a serviceable item and they hadn't done it. I wasn't happy, VW sell the items to service it, I demanded it be inspected. I was sent to a different garage, my local one didn't have the commercial facility (probably why they didn't service it), and it was plugged into the diagnostic machine which found NO FAULTS! I was amazed, and over the next few weeks it got worse, sometimes missing a gear and 'slamming' into one eventually. All this time I was told not to woory, it was under warranty. Now, the only spanner in the works for me since all this is that I had the vehicle remapped for economy when I bought it. I discussed this with another member of staff who I knew at the dealership and she suggested I use one of the mechanics, he was doing it for a lot of customers who weren't happy with the DPF units clogging up, you know, out of the back door. I declined and took it to the leading comapny in the UK for the work done, it was significantly better with the (blocked) DPF removed and I gained at least another 5mpg. He said it was a cracking engine, it was a shame it was joined to that shoddy gearbox. another month or so passes, I use it less because of the gearbox problem, but all the time I'm assured that if anything goes wrong I have a warranty. We had booked our holiday to France so we had fingers crossed, what could possibly go wrong? Well, everything actually. August 2013, I had driven through the night and in the early hours of the morning there was a noticeable whine coming from the transmission. Now, I'm pretty good with mechanics and can notice the smallest thing, my wife usually tells me to shut up. On this occasion she looked at me and said she could hear it too, oh dear. I carried on at a gentle pace, that wasn't enough though. I pulled out on an incline to overtake 2 HGV's and as I was passing the first one the gearbox kicked down, TWICE, which was like hitting a brick wall. A split second later there was a bang and I lost everything, luckily the truck reacted well and let me across to the hard shoulder. After a long wait we were recovered and the guy diagnosed transmission failure. DO NOT break down on a French bank holiday, we had 9 hours in a compound in rural France, and after lots of shouting we were sent a taxi to take us into the nearest town for a hire car, a Vauxhall Corsa, I kid you not. Five of us, luggage, bikes, bedding. We had to leave so much, holiday ruined. September 2013, it is recovered to my nearest VW Van Centre, Preston, a few days after I get home from the worst holiday ever. I find that the warranty is an external one, not a VW one. An inspection takes place and the first thing they find is engine damage, caused by the failed gearbox. This is where it gets sneaky. The warranty firm find out it has had the remap and DPF removal, there is no evidence anywhere in the vehicle, they must have phoned the specialists within a certain radius. They proceeded to tell him that they were selling the vehicle and had he done any work on it, he told them he had, and sent them the sheet with all of the work on. Funny thing is I wasn't hiding it, it was well within the parameters (there are two engine outputs, mine was the lower one, same engine, different settings). Claim refused, the guy at Preston VW thought it was quite funny, how nice. I dig my heels in and take it to VW, but from the outset I'm struggling. I bought what is essentially a commercial vehicle from a passenger car dealership. They are different divisions, none of them will admit any liability for the vehicle. When I eventually get someone to investigate they contact the guy at Preston and they go from his (one sided) findings, at this point the gearbox hasn't been touched. They reject any fault. I decide to get some legal advice, this ended up costing me £1200, and I've had to lease another vehicle to replace this one, we are childminders and it is a necessity. The solicitor takes everything on board, he is in contact with VW UK, Lancaster VW, Preston Van Centre and VW Finance. To put it bluntly they all call me a liar and a chancer, they stand by the vehicle having no gearbox fault. I'm told I can have it removed and inspected at one of their chosen places at my own cost. I refuse saying it is their responsibility. My solicitor gets in touch with me and says that they have sent him a quotation in the paperwork for the cost to repair, £2300. He advises me to just cut my losses and have it done, I'll only end up paying him the money to fight it, so I reluctantly agree. He is paid his dues, and I call to book the job in. Oh, wait a minute, that was just a quotation, they wouldn't actually do that job. They would however fit a new engine for £7500+vat. At this point I'm absolutely furious, they have deliberately lied to my solicitor, and there is no mention of the faulty gearbox anywhere! At this point I stop paying for it out of protest, pay the 1/3 so they can't take it back, and dig my heels in. . . September 2015. I'd recieved a letter from a collection firm asking to recover the vehicle, at this point it was still sat in the yard at Preston VW, deteriorating every day. One morning I get a knock at the door, my 9 year old son answered it and it was a pair of 'men in black'. They said they'd come to get the vehicle or recover the money, just over £6k. Considering I owed £10k I was just about to agree a payment (the £4k would have it fixed with used parts, so I thought I'd cut my losses) but then they find it is a clerical error. I then tell them I'm in dispute with VW and they tell me they can't be involved and leave! March 2016, I have correspondence from a solicitor saying they want the full amount, or hand the vehicle back to be sold. Now at this point I have had it recovered at my cost to a TOP SECRET location, the engine is removed, as is the gearbox. I refuse to hand it back in pieces to be sold for a pittance, leaving me with a huge balance to pay, I tell him that under no circumstances will I hand it back. I then recieve a very generous offer from a friend as he can see how much stress this has caused, he will lend me the £6k they were collecting last time. I contact the solicitor and offer this in full and final settlement and I will fix the vehicle. To my surprise they refuse, and I now have in front of me a county court hearing for return of goods. My question is, can I fight this and have my say? What chance do I have? It kills me to think they will get away with selling me a faulty vehicle and I still have to pay for it, pay for a replacement vehicle, deal with the stress, the hours and hours of my time I've put in to fight this. It is a matter of principal now, I'm just scared that if I get turned over by them I'll have nothing and still owe thousands. HELP!

Apologies that this is a long post. This is my first time on any kind of forum. I have tried to summarise but its been a complicated and very stressful process. I will be very grateful indeed for any advice... We moved into a flat in Sept 2013 when I called to give Npower the opening meter readings I asked to confirm what meter and tariff we were on. I was told it was an Economy 10 meter and noted down from the conversation that there were 3 cables which would give a Day rate, a Night rate and a Heating rate for the 3 night storage heaters with timings for when these rates would operate. You had to press a button on the meter several times to get the readings I gave the 3 readings as they appeared on the screens. Npower took Actual readings for these 3 rates in Nov 13 I gave more readings in May 14 at which point I started the complaints process because we had still not had a bill. I received letters with an account number from the complaints department finally a letter in July 2014 saying because they could not resolve my complaint about not receiving a bill I could go to the Ombudsman. At the end of July I receive a letter with the same account number but this time addressed to the occupier saying that because of problems closing the account the balance would be written off. Followed a week later by the First bill for £366, in my name but with a different account number. In Sept 14 I call to try and figure out what is going on am told that the first account number I’d received on complaint letters was actually the previous tennant’s but because of the confusion the balance (now £457) would be written off as per the write off letter. I give meter readings – this time 4 readings show on the meter instead of 3. That same day a bill is generated for the heat rate for £868. It is based on an estimated opening meter reading for heat. I am told again a week later on the telephone that my account would be credited to zero - clearing balance of £868 as per write off letter and to disregard any more bills/reminders and to wait during process. In Nov 14 I call again and am given apologies for distressing letters & assured case is with correct back office team. Promised that a correct bill should arrive soon showing the cleared balance of £868.72 and they had correct meter readings so a new bill would generated. I then receive a bill for £1,433, followed by ‘Our right to enter your home’ letter – with an outstanding balance £976. In December 2014 after numerous complaint calls I am given a new complaint reference number and assured collections will stop. In Jan 15 I receive a complaint deadlock letter refusing to remove the balance as promised and referring me to Ombudsman and I begin the Enquiry process. In Feb 15 I give new meter readings and receive a bill for £1481 - Tariff: Standard SC ROB Heatwise 1. I pay £505 for accurate energy usage calculated using my correct meter readings between Nov 14 and Feb 15 (leaving the disputed £976). At the end of Feb the Ombudsman says Npower incorrectly offered to write off the Sept 14 bill for £868 and that I should be given a £25 goodwill payment for the misinformation but that the outstanding balance remained. I did not agree with the Ombudsman proposal and it was reviewed in March 15. I complain that the meter reading Npower used to calculate the opening heat rate was an estimate because it had not been showing on the meter. As this was not part of the original complaint to the Ombudsman they advise me to contact Npower directly. I contacted Npower who agree to work out an accurate opening meter reading but I did not accept the Ombudsman proposal as I still hadn’t had an accurate bill and felt they had not helped resolve my issue with Npower. In April 15 we move out of the property and I give final meter readings and new address. On 1st May 15 they send: An amended bill to our old address for £1318. A letter saying because I’d rejected Ombudsman remedy my complaint has been closed thus exhausting the complaints process and balance is £1362. And a Final Bill for £1452 (the Tariff has now changed to Standard SC ROB 7 Hour Weekend Off-Peak) I call to complain about tariff changing and am told they've re-opened case though they believe bill is correct. Throughout May and June they send another Amended bill, numerous complaint reference letters, and Final demand and Act now to avoid court letters – all to the old address. I email the CEO disputing the Historic debt and Amended Bill and request again that our address be updated and debt recovery stopped. The complaint is logged and I’m given a new reference number. In July I start to get calls from Debt Managers Services attempting to recover a debt of £1,612. In August I receive 5 more amended bills each for a different amount. Throughout Sept and Oct I receive letters from Debt Managers saying my account is on hold while they await instruction from Npower. In January 16 I receive a letter from Npower with a ‘Notice of intention to file a default on your credit file’. Outstanding balance £1452. In February I email complaining that my complaints have not been handled properly and ask about the compensation arrangements Npower agreed with Ofgem. Executive Complaints reply to say I have exhausted thier complaints process and they will not look to raise a new complaint in relation to this query and refer me to their Legal Team. I point out that the Ombudsman instructed me to re-contact Npower to recalculate opening meter reading to which they had agreed. In March 16 Executive Complaints then reply with an incorrect opening meter recalculation (they use accurate winter heat readings to calculate an average daily usage and apply it to 497 days i.e saying we’d use the same heat in summer as in winter!) and advise me again to proceed legally. Moorcroft Debt Recovery begin pursuing the debt and in desperation to resolve this I contact the Citizens Advice Extra Help Unit, who help vulnerable consumers, they agree to mediate with Npower on my behalf. They challenge Npower throughout March and April but are told Npower's final position was that they would not be opening the case and referred me back to Ombudsman or to take legal action. The amended bills – Falsifying meter readings and placing us on the wrong tariff Having now examined the 5 amended bills of Aug 15 I can see that they have previously tried to ‘re-estimate the bill’ by falsifying meter readings - changing accurate readings into estimates to justify their original estimated opening reading. All these estimates are entirely inaccurate suggesting that I have used thousands of heat units in summer periods when the night storage heaters were switched off. I am suspicious that NPower have chosen to amend the bills with estimates from May 2014 (instead of the 2013-14 winter prior to that when the disputed energy was apparently used) in order to avoid the back billing regulations. I have also asked repeatedly why the Bill that I paid in Feb 15 was cancelled, amended and then re-calculated at a higher unit rate for heat (7p per unit became 12p). No one has addressed this concern. Our tariff appears to have changed from what I understood to be the Economy 10 tariff: Standard SC ROB Heatwise 1 to Standard SC ROB 7 Hour Weekend Off-Peak. At no point did we ever ask to switch tariff or were we offered any explanation as to why the unit price and tariff had been changed, despite me asking on numerous occasions for clarification. Harassment and marking my credit file I have been threatened with court proceedings multiple times, they refuse to put a hold on their collections process so I am still having to deal with debt collections agencies, NPower may have shared data which will impact my credit record and they say this cannot be amended because they claim the outstanding balance is correct and remains payable. They now say I need to proceed legally. My time, stress and worry I have spent innumerable hours dealing with all of this, trying to decipher what has gone on, examining 15 bills, complaining by telephone and email, going through an Ombudsman enquiry that did not help to reach a resolution, and working with Citizens Advice, all of which equates to weeks worth of my time. I have had countless sleepless nights and shed many a tear worrying about everything and feeling bullied by this huge corporation who seem to operate so recklessly with no regard for how peoples lives are affected by this level of stress that they cause. And throughout this period we have a chronically sick child with a rare blood disorder who has been in and out of hospital and Great Ormond St Hospital. Our now 3 year old daughter was first admitted to hospital in a life threatening condition in Oct 14 and has since been admitted 10 times, which Npower have been aware of. I have had to take my energy away from caring for my child to dedicate to unraveling all of this mess and that is extraordinarily painful for me. I am now fully prepared to take legal action, although I have no idea how to do this and do not have any access to financial support or legal advice. I feel completely daunted by the task and almost cannot bear the stress and time of pursuing it further but it seems to be my only route forward. I want to seek damages to be remunerated for this utter failure to handle my complaints and to bill me accurately. NPower’s conduct is far from fair or transparent and does not meet their standards of conduct by a long way. I refuse to be victimized. I realize that this has been a long read and I really appreciate any advice that others can give for me to take this forward legally. Thank you D

Sorry guys this is a long story, I will try to keep it as short as possible. My partner has been suffering from depression for a while which eventually led to him beginning to self harm due to his work environment making his life unbearable. He was signed off on the sick and very quickly unfairly dismissed from his job (totally different issue being dealt with separately) this made his mental health even worse and our lawyer advised he apply for PIP. We applied towards the end of last year and got an ATOS appointment through in January. It stated he had been assessed as requiring a home visit and they were coming to the house on a set date. Problem was that date was only three days from when we received the letter with my work I cannot change shifts that short notice so I called them to rearrange. They told me the next available appointment was weeks away but they could give me a date and I asked them if they could leave it with me as I didn't have my rota that far in advance and I need to be with him. They told me on the phone that I could simply change the appointment again if needs be. I ended up not being able to get that date either because there were too many people on annual leave that week (I am a nurse we cant get time off easily, it usually has to be organised quite far in advance) so I called to reschedule and was told this wasn't possible. I was told that if you cancelled twice it went down as a missed appointment. I argued my case and ended up phoning a complaint in to DWP who said ATOS were being unnecessarily harsh and told them to reissue the appointment. ATOS also said I hadn't called to cancel it on the day I did, they said I called the morning of which I clearly didn't since I work 0730 till 2000 and was in that day. We waited ages weeks and weeks for a new appointment and nothing came, Called atos who said no we had missed the appointment and weren't getting another. Called DWP again who fixed it and the next day we had a letter (miraculously dated the day before my call to DWP) but it said we had to go to the assessment centre which is right in the middle of the city centre. My partner doesn't cope in social situations, and does not cope well when around people he doesn't know he also has a learning disability that makes the prospect of going to an appointment like this even more scary for him which DWP and ATOS are aware of. I figured this was a mistake and called ATOS who said that his mental health nurse had told them he can go to the assessment centre. The mental health nurse claims she has made no such statement as she is not allowed to give a recommendation on someone she hasn't known for at least a year. The girl on the phone said she would put it through to the medical people to ask for it to be changed to a home appointment. Literally the next day we get a letter stating he would need to attend the assessment centre, and the day after we get an appointment through for one of the other assessment centres which is in the busiest possible part of the city centre. So I called today and got the same girl (what are the chances of that?) she was so lovely on the phone stated she didn't understand how they had come to a decision that quickly and then proceeded to read out to me the report from the mental health nurse (the one who stated she hadn't been allowed to give one) she stated she had known my partner for two months (an outright lie, he has been seeing her since October and was known to the service before that) and that he has no intention to return to work (again not true he would love to return to work, just not the job he had due to what they done to him, when he is better) and that he was fit to attend an appointment. I asked if our GP had been contacted and the girl said no, I asked why and she had no idea only telling me that the medical decision maker doesn't have to contact the GP its up to them. I then asked why they had based a decision on a statement which I disputed and was clearly an outright lie and was told it was the medical person that made the decision. I then asked to be put through to them but they don't speak to people apparently. I also informed her that my partner had cut himself the day the letter arrived and twice since because of the fear of this appointment, previous to this he had gone a fortnight or so without harming and that I would rather not go to the appointment and not get awarded pip than put him through anymore of this stress. He already had serious thoughts of ending his life on two previous occasions and I wasn't letting it get to that again. She suggested getting our gp to contact them because he can be put through to the medical decision maker people that I cant speak to and if he explains the situation they might change their minds. I have called the GP and asked for the doctor to call me back but he isn't in till tomorrow so I will need to wait. Our GP is brilliant and I know he will do what he can to help but what can I do if they wont change their minds? He was approved for a home appointment before the cpn put in that funny report that she promised me she hadn't done when I asked her about it stating that she wouldn't be allowed to because she hadn't known him a year. I also plan on asking the gp to confirm that he has been seeing the cpn for way more than two months, proving she is not telling the truth. nothing about his medical condition has changed or improved since he was originally approved for a home appointment so how can they state he needs to go to them. He cannot go to the city centre, hasn't been in the town for almost a year now because of fear of people. the only place he goes by himself is the doctors surgery which is on our street. he will come out with me to the shops but only if we go at night when its quiet (we have a 24hr asda close by which we go to in the early hours of the morning sometimes) but other than that he pretty much wont leave the house. The doctor has had to put him back on diazepam since this letter arrived and I am honest to god worried that I am going to come home from a shift to find him lying in a pool of his own blood. How can I fix this? Can I fix this? How are ATOS being allowed to get away with the way they treat people? and who can I complain to?

I've been able to defer repaying my student loan from the 1990s as I earn way below the cut-off point for repayment, largely due to chronic illness. However, this year, although I submitted my income evidence straight away, I was asked to submit more evidence as SLC claimed they could not establish my income (even though it was very clearly stated in the documents, as in previous years). I then sent off more financial information straight away which confirmed my income. Nearly a month later no one at SLC is able to confirm whether the information has been received or not. I have sent in the evidence again, as well as emailing them and calling them. They never call me back as promised and it certainly seems as though they are just ignoring my income evidence so that they can start taking repayments. When I got through to SLC on the phone I explained my situation and how little I earned the guy said he would stop the first payment - that will put me in arrears but then I have 3 months to prove my income. At the time I thought this was a good idea as I can't afford to start making repayments on my income but further research has shown this could spoil my credit rating. Does anyone know if it will be possible for me to reinstate this Direct Debit agreement by phone so that if SLC don't confirm the deferment in time they will take the first payment? Having researched online, I'd actually rather now pay the first repayment and try to claim it back after proving my income as if I go into arrears I can imagine that SLC will try and ruin my credit record. The bottom line is though SLC have had plenty of time to establish my income and as it is way below the cut-off point they should issue a confirmation of deferment letter. My first payment to them is due in a week and I'm at my wits end worrying what will happen when this date arrives. I've just sent off all the information yet again to their Complaints Department - it might seem a bit early to open a Complaint Case but I thought it might at last make them sit up and notice all the documentary evidence I've sent them. As far as I know my loans aren't connected to Erudio loans which I've just been reading about. As far as I am aware, my loan was originally with SLC and then it was taken on by Honours Loans. That said, it certainly appears as though it is SLC who have to tell Honours Loans whether or not to defer the loan. I'd greatly welcome any advice on this, given my illness I have plenty of time to this sort this out but SLC have ignored all the evidence I've sent them in the last month. Calling them seems a complete waste of time as even when they answer they just say their screen will either show a yes to deferment or nothing - it's not possible for them to look into the case for an update or to check out if any documents have been received. It certainly seems as though they are trying to wear down the lowly paid into paying back their loan even when they very clearly aren't obliged to unless they earn £2400+ a month . I certainly hope I won't have to go through this hassle every year.

I took out my brand new Vodafone contract on 22 November 2014. They ported my number from my old network (3 network) on 2 December. Since they ported my number on 2 December, a month ago now, I have been unable to receive calls or texts. I can make outbound calls and texts which displays as my newly ported number but I cannot receive inbound calls or texts. The number is unobtainable. I first reported this problem on 3 December and was promised a resolution within 48 hours. One month later, I have been promised a 48 hour resolution on 9 separate occasions. The 9th 48 hours has now expired and my phone is still not receiving incoming calls or texts. I have been promised resolutions from their contact centres, including their porting team and technical teams, a sales rep in my local store and by their web chat advisers. I have now been without service for 1 month and there is no sign of any resolution. Each time my 48 hours has expired I call again only to be told their system has been updated to show that the problem has been resolved. This incompetence is truly unacceptable as they only need to dial my number to see that it is still unobtainable and that they have not yet fixed my problem. I simply cannot understand how they would fiddle about a bit, think they have fixed my problem and then not bother to dial my number to test it. Surely that test comes within the first 10 mins of basic technical training. Also, nobody is willing to take ownership of my problem i.e. giving me regular updates despite my constant requests. Equally, their customer service advisers refuse to put me through to the complaints team by telling me that they don’t have a specific complaints team and they all just deal with complaints. So how do I escalate my problem? How do I get someone to take ownership of my problem? If I call again should I believe the 10th promise of a 48 hour resolution?

Hi there, I am in need of advice as my daughter aged 18 is being chased for payment after cancelling gym m/ship In August last year myself and two daughters went into the gym (xercise4less) and each cancelled our m/ship. We had m/ship over a year and on monthly rolling contract. We were each given a slip of paper to confirm cancellation and advised one more direct debit would be taken in September and then they would cancel our d.debits. I thought all sorted until October when payments taken from all 3 of us for monthly d.d. Myself and one daugher appear to have now had our m/ship cancelled as she had moved away to Uni and I have my paper confirming the date we cancelled. The isssue is that my youngest daughter has lost the paper she was given in August to confirm she had cancelled. I contacted Harlands back in November to advise we had all cancelled and they said it was nothing to do with them and I had to take the matter up directly with the gym. Tried numerous times to contact the manager at the gym and they have repeatedly promised a call back and then not returned my calls. I did eventually talk to the manager in December (she is the person who dealt with us all back in August)!! She told me that my daughters account had not been cancelled and basically she would need sight of the cancellation form before she could sort it out ( I didnt tell her it we didnt have it!!) She told me she would action the cancellation of my account and send the paperwork to Harlands - I asked for written/email confirmation of this which she promised me - but I never received!! I have not had any further contact and so assuming mine has now been cancelled. We have also moved address and so presumably they have been sending any correspondence to our previous address. My daughter had a phone message a last week 20/01/2016 from CRS just stating that she needed to contact them within 5 days. I googled them and realised they are the debt recovery section of Harlands. My concerns are - how do I resolve this given we have no proof in writing that she cancelled last August ( although 2 of us were witness). I am aware from other posts that the charges they will have applied will now be considerable, £9.99 per month plus £30ish for each unpaid d debit and then other charges on top Will this impact her and my credit rating as the payments were from my bank account? I have considered writing a letter of complaint with proof of postage but I think this would mean we would need to give our new current address which I dont wish to do. What exactly can they do if we can't prove she cancelled as this is really stressing me out? Many thanks for any advice

I'm completely at the end of my tether with this company and unfortunately there is not a short description of how they have messed me about. It all started when I got my bill at the end of July 2015 for £330.15 which was incorrect and a mistake by Vodafone. I had been overcharged by around £158 which was eventually credited to my account. I have been with Vodafone for over 10 years; I have three mobiles on my account and would consider myself a very good customer. I have never missed a payment in all the years I have been with Vodafone. • When I received this bill for £330.15 I called 191 to query it and the adviser agreed that it was wrong and told me that he would fill some forms in and have it sorted in 24hrs • 48Hrs later I called 191 again and found it still hadn't been sorted, I then called 191 repeatedly for the next 6 days speaking to various advisor's trying to get this sorted out. Eventually I was told it was definitely sorted and I wouldn't hear any more about it. • On Sunday 2nd Aug I got a text saying that if I didn't pay my bill that my service would be restricted, I assumed (wrongly) that this was a mistake as I had been guaranteed by your advisor that everything had been sorted out. • On 9th Aug I got a text saying that my service had been restricted as I hadn't paid my bill. I then called 191 (again) and was told that it was a mistake by Vodafone and the restrictions would be lifted within 2 minutes. • One hour later, still no service on any off my mobiles, (again) I called 191 and was told that they had forgot to lift the restrictions at the technical end and that they would do that now and it would all be ok. Finally after this last telephone call my service has been reinstated. I put all of the above in writing and sent it to the customer service department recorded delivery and never even got a reply. I followed it up 1 month later with another recorded delivery letter asking why I had not had a reply, again still no reply!!! When I got this big bill the first thing I done was cancel my DD as I was not giving Vodafone a free reign to just take whatever they wanted from my account. Once it was all sorted It took me till Dec to get the DD set back up again this took loads of 191 calls and live chats and wasn't sorted till I eventually went into a Vodafone store and the guy told me a box had not been ticked and that is why it had never been set back up again. The next saga was trying to get world traveller added to one of my numbers for a trip to the USA, again, after numerous 191 calls and live chats it was supposed to be added. Unfortunately when I got to the USA I found that it had actually not been added and the phone wouldn't work. To top this all of I received a call from the Vodafone sales team on Thursday 17th Dec 2015 (01709 918625) saying that I was paying to much per month and that she could change my price plans to save me money. I gave her both barrels about all of the above. I got an apology and was told she would put a note on my account and someone would be in touch to discuss, I've I heard this a million times now but no one ever gets back to me. After I got this of my chest we then discussed the various options on my account. I agreed to have one of my numbers increased to 6gb of data unlimited calls and texts for £41 per month and another one of my numbers changed to 6gb data and unlimited calls and texts for £33 per month. and she also offered a refund of £120 for charges I had incurred for going over my data usage. Yesterday Mon 22nd Dec I receive 2 emails from Vodafone, it now turns out that they have put one of these deals on the wrong phone and they are actually charging me £49 per month for both plans and not the figures agreed on the phone. and no sign of the £120 refund. When I found this out I went onto my online account and it was saying the same info, I then started a live chat and got the usual muppet who didn't have a clue what he was doing and couldn't do anything to help. Hence why I am now on here looking for a way forward??? I am extremely disappointed, exasperated and absolutely fed up with Vodafone and its call centres. I have much better things to do with my time than spend hour after hour on the phone to their staff because they keep making mistakes and getting things wrong. Any help or advice would be much appreciated, Thanks in advance Robert

I bought a brand new Toyota Auris (Touring Sports Design - Hybrid) in August this year and as soon as I picked up the car my troubles began. The car I test drove the week previous was the Icon-Plus which was being upgraded to the Design model but as the salesman pointed out this was in my favour as the new car had 17'' wheels, auto engine start and a better trim. So was taken in by this but when I picked that car up it did not have sat-nav. This was now an option and it was all my fault for not noticing this on the internal Toyota bulletin that they showed me but should not have seen according to memo's later. In due course I stood my ground and the dealership relented and retro fitted this but I will return to this story later. Whilst all this was going on I noticed that my petrol consumption was pretty poor and complained that I was only getting around 40 MPG when their own brochure indicated 70+. I started to complain about this and the dealership were very condescending and tried to blame my driving technique initially then tried tell me that the engine management computer needed at least year to settle down before scale of economy would work! I mentioned that I was already a hybrid driver (Prius) and was fully aware of both driving technique and consumption realities. both of which were ignored. I then complained to the finance company (yes you guessed it - Toyota Finance) and stated all the issues I had but they too pretty much ignored my complaints. Eventually, the dealership had to take the car back to fit the sat-nav and in doing so the car broke down (dramatically) warning lights came on the dashboard saying stop the vehicle now, major problem. As the Toyota driver limped back to my house the car was coughing and spluttering with smoke coming out the exhaust etc. This resulted in the car being towed away and lo-and -behold three weeks later was back in my possession and the general manager informing me that the sat-nav was fitted and a figure of 58.7 MPG was on the computer -NOT! For a start the sat-nav was the latest software version and the engineer who fitted had problems getting it to work. When I switched it on I could not turn down the voice announcements and or enter any details into it. so this was now a chocolate teapot! When I looked at the system computer is was still reading low consumption as it was before and where they got 58.7 MPG I do not know! So I got back onto the dealership and the finance company to complain again and guess what they repeated the same old garbage as before that the car was and always was in good working order, my driving skills were questioned again and the computer needed more time to find its brain. I have been trying to reject this car since I bought it, I have been very patient with the dealership although I came close to losing my temper with the sales manager who suggested that I 'didn't have a leg to stand on' and this was all in my imagination. The finance company I now know have a conflict of interest in being linked to the parent company so they will not help me apart from fill up my email box with nonsense. I did get an article published in the Auto Express that helped enormously with the sat-nav issue but that now is mixed blessings as I can't use it so now have moved onto the Ombudsman but this has now been running for months and no end in sight to when I get rid of the car. Any advice welcomed. NB by the way car now sat on my drive and not being used - as its costing a lot of money for petrol, gone back to my old Prius!

I switched to plusnet in may this year to their phone and fibre service.. took initial payment by debit card fine no problems.. phoneline changed over really smoothly however, the broadband/fibre date changed without our knowledge.. hmm not happy they apologise profusely and say it was out of their hands....ok so i let bt openreach take the fall 6 months in failure to even get close to the 76mbps more like 12 on a good day. . checked via their bt wholesale web tool which proved my point entirely about speed. . nothing is changed there.. Payments.. hah they are a joke.. direct debit goes.. 1 min later they pay it back into my account then charge me £6.50 for the inconvenience:-x:-x.. and blame my bank saying debit had failed due to insufficient funds. .. i ring my bank about to explode as i know its in credit and they say nope they sent it plusnet sent it back with an error code.. i challenge plusnet on this who say its a bank problem.. hmm not entirely convinced about this. . this goes on in august and sept however octobers went fine then we reach november and guess what it does it again:mad2:.. and they once again say its the banks' fault .. barclays have provided us with proof which i have sent to plusnet previously showing that it isn't a barclays issue and they need to investigate this further as the extra charges are not good for my finances and they offered a £1.50 refund thats it!! at this point i'd have been better going with bt business fibre and getting screwed royally on money.. No one at plusnet is taking this issue seriously have raised several complaints via their online tools and get fobbed off each time.. Ofcom allowed me to raise an issue there but told me it would be quite sometime before they could come back to me.. I'm really at my wits end with anger frustration and out of pocket by their cock ups.. :mad2:

I had my benefit stopped in August claiming I was living elsewhere and had a nightmare getting it sorted. At first they said they would just get a copy of the appication made elsewhere for housing benefit and if the signatures didnt match then money would be restarted, no word on that and in the period I got copy of tenancy agreement from my landlord, and a letter stating I never moved out, and a copy of recent bank statement to show I still live here and letter from bank stating my address was never changed, letter from DWP stating my claim began on X date at the current address. Still refused so was told to give copy of utility bill for July to show I was living here, but I am on pre pay meters and only bill is landline/internet which I provide but it was paid late due to being overcharged so was told it was unsuitable, I then provided 6 months of phone bills and still got nowhere. They then ask for copies of bank statements which I provide. Still nothing, I contact again to be told the phone bill is unsuitable because its not itemised so they want a itemised bill. More time passes and they claim now to not have recieved any bank statements or utility bills so I phone again and advisor sents me out a letter saying in the meantime claim can be reopened as the other claim is closed but wants to see bank statements and utility bills again. I do this one last time and wait a few weeks and it is reinstated but not for the disputed 3 months from May to August. I contact again today to be told I have to prove I wasnt getting the money and to do that have to hand in bank statements and utility bills for the period which I have already done a few times!!! I am getting nowhere and the staff talk down to me as if I am lying. I did also try getting MP involved but each time it takes a week to get back to me and they just tell me the same as the council So I am the victim of identity fraud and I am also autistic and suffer from severe depression which is why I am on benefits in the first place and I dont need this!

Hi, I hope somebody on here can steer us in the right direction before we lose our minds. My daughter was involved in a little pile up. A car two in front of her slammed on its brakes for no reason and the car in front of her bumped into it slightly. My daughter stopped and didn't hit anything but the car behind her didn't stop in time and hit her and the car behind that didn't stop in time and hit the car behind my daughter which caused that car to then hit my daughter's car even harder a second time. My daughter called the police because the car at the front and the one behind her quickly got out and checked their cars and drove off - refusing to be involved with the process. It turns out that the car at the front is putting in a PI claim. Police are now investigating them. The car that hit my daughter's from behind was a new car but turns out the driver hadn't insured it. She gave her first name and mobile number only both of which were genuine. She and her passenger were in a hurry to get away from the scene - either because she wasn't insured or there was something illegal in the car?? She then tried to avoid all consequences of the accident and even tried to sue to guy who hit her car even though he was insured but that's between him and her. She gave false addresses to the police when they contacted her and to the insurers when they contacted her. Turns out she's a law student. My daughter tracked her down using google and also found her new Facebook account which she's using under a different surname. She's definitely dodgy but we're not sure how other than her lies. Accident Exchange are watching her street to find out when she's around so they can confront her. My daughter has informed the police of all this info but they are frustrated in that the accident was in Surrey Police area but this woman lives in Met Police area and Surrey Police cannot just go to her house and arrest her. My daughter's problems started when her insurers - Sheilas Wheels - and the guy at the very end's insurers - LV - all started disputing liability. Several engineers called out and all give a ball park figure repairs about the same price. So SW decide to write off the car, and yet it's still ongoing with disputes here and there and claims for this and that and so on. Accident Exchange are involved and have got my daughter a replacement car as the one offered was no good for her needs which involve taking two baby seats in and out on a regular basis using the ISOfix system. SW have not replaced the car seats and have told my daughter to do so and present the receipts - well my daughter doesn't have £300 sitting around to spend on car seats, so the babies are still using the original ones. Her baby son aged one was in the car when she was hit but they don't care because there's no obvious sign of injury. My daughter got whiplash - genuine not just an excuse for a claim. Yet it looks like instead of repairing her car they are going to pay out almost what she would have sold it for, less excesses and so on. The accident was end July and her policy renewed in Sept. No renewal paperwork was received that we are aware of and now they are saying they will take approx. £1000 insurance fee from any pay out as this was the current year's insurance fee. Yet she didn't have a car since July. Does anyone have any advice on how to proceed with this? My daughter has been screaming down the phone to them again today, and is now saying that they must repair it (she can sell it for more than what they are offering to pay). She doesn't have motor legal protection, and I don't think they would have included it in the renewal. I have motor legal protection on my policy as standard but not sure I can use it for her (I'm with Co-Op). Help! please. thank you

Hi, First post here and i apologise for the length of this post. I have tried to keep it as short as possible but its such a long story. My electricity supply is with Utilita. We like them because they give you a handheld device on which you can check your balance/energy usage ect. One day i get a message on my device saying there is a fault with our meter and we must call the number shown. The electricity worked absolutely fine. we were having no issues at all but rang the number anyway. After 5 minutes on hold i hung up and decided i would call back the following day. The following day i completely forgot as the message had disappeared. it wasn't until a few days later when i tried to top up my electricity online that i was getting an error. It wasn't letting me add money to the meter for some reason and i was already almost up to the limit on my emergency credit. It was the following day that i assumed the electricity would go off until i paid the emergency and topped up, but it never went off. I rang again and explained my issue to costumer service. She told me she would get the relevant department to ring me back. They never did. a good few weeks past and the electricity still did not cut off and the smart meter was reading around -£100. It was then on the 24th July that they rang and said the fault with the meter needs sorting and asked if somebody could come around the look at it. I agreed no problems and we arranged a time for him to attend when i was home from work on the same day. They sent an engineer from a company called Trojan. He came in and looked at the meter. He took pictures of the meter then explains he has been told to replace it. I said that was fine as long as that when it comes back on i dont want to be without electricity and a -£100 balance as i didn't have the money to pay it off right away. He said dont worry the electricity will come back on then you will go into a debt with utilita and just pay it off slowly. He then carried on working but i noticed that he was now installing the meter outside instead of where it orginally was inside. I asked him why he was doing this and he explained that he has been told to. here is where the story gets good. you cant make this stuff up. It was 2 hours later i could hear him on the phone to his boss saying he was having problems. He was going over wire configurations over and over again. He must of made around 5 different phone calls to support because he couldn't get it back on. I went back out to see what was up he told me that my consumer unit may be faulty because the supple wasnt coming back on.. I assured him that my consumer unit is working 100% and it has done for 26 years. It was working when he arrived and now he tells me its stopped working within the 2 hours he has been swapping my meter. He said to give him a while longer. It was getting on 8 pm and it was friday night. The next minute i heard a van door shut so i ran outside and he was about to leave! i asked him what was happening and he said that he has now been told to leave it! i said you have got to be joking. You cannot just leave me here on a friday night. He passed me on the phone to him supervisor he told me its my consumer unit which is faulty and there is nothing more they can do. Now i know they are just trying to pass the blame here and at this point i was absolutely furious. i was on the phone to utilita and the engineer was sitting in his van. My phone battery was dying so i had to sit in my car to charge it up using a phone charger. Utilita was also trying to tell me its my consumer unit. i kept telling them they he cannot leave me like this. i had another word with the engineer and he admitted to me that there was no fault. He was called out because they suspected the meter had been tampered with. he said he found no tampering but was told to move the meter anyway. So how can the consumer box be faulty when there was no fault to begin with. Next minute 3 more trojan vans turn up and the guys dont get out there vans. I thought they had arrived to help get my supply back on. they just sat in there vans surrounding my house. 5 minutes later the police show up!! the police have a word with the engineer who was in his van. Then approach me and tell me they have been called out to a hostage situation. They had a call saying i was holding the engineer hostage in my house. All the Trojan vans then drive away and i am left here without a supply with two police officers at my house. They were really nice actually they knew what the crack was and they knew that there time was being wasted. In the end i called the housing trust because i rent from them and explained the situation. They sent around an electrician and he came and checked the consumer box and told me it was working fine. He agreed to look at the wiring that the Trojan engineer had done to see if he can help. He noticed right away that he had miss labeled two main cables. Swtiched them around and boom the supply came back on. It was the following monday that i complained to utilita and was apologised to. They told me they were wrong, the meter had not been tampered with and everything is back to order now. Only thing is it wasnt! the meter was still not letting me top up and the supply was still not going off. The meter went back -£30 again i rang up and explained. Was told the meter was not going back because it is in credit £50. Great by me. Left it at that. wasn't until the meter was back £-55 that i knew something was wrong again. it was 7th september at 12 midnight and the electricity supply cut off. i rang utilita at 7 am when they opened and they sent out another Trojan engineer. He checked the meter and looked soo confused. He told me the meter was hanging off the wall and wasnt even commissioned. i explained the story to him and he sorted it all out for me. The supply didnt come back on because he said you need to sort that with Utilita. I rang utilita and they told me the reason your supply went off at 12 midnight last night was because you tampered with our meter and you held our engineer hostage! I felt like crying at this point. I am so so innocent and i just cannot win with these. It turned out the guy didnt read all the notes. He had me on hold for 20 minutes then come back on and apologised. It was many many phone calls later that the supply did actually come back on. Everything seems to be working as it should now. I got a phone bill for this month and it is a staggering £100 over my norm. I found out it was the extra calls to utilita. I decided to give them an emailing explaining everything and assumed that they would pay it as its really not my fault i had to call these guys. i got a reply back from them yesterday: "I’m really sorry for the inconvenience this matter has caused you. I’ve looked in to this for you and can advise that upon listening to the calls made between yourself and our call centre it would seem that our engineer was kept at your premises against his wishes. The engineer was initially sent out as we believed there might be a fault or safety concern with the electricity meter. However upon the engineer’s arrival, we realised that the meter had been tampered with and the energy was being illegally sourced from the mains. As advised previously, we’ll not be reimbursing you for any cost incurred and should you wish to change suppliers, then the outstanding balance would need to be cleared. "" Words cannot describe how angry and upset i am. Can somebody please give me some guidance on what todo next. This is causing me so much stress its not even real. What makes this worse as well is that off the time of the orignal incident i was in the middle of chemotherapy. I had literally just come from having it when i let the engineer in. Sorry again for the length but i just dont know what todo.

Hi can someone help i bought a car and have had a letter from logbook loans stating the car had a loan on and they are coming to get it

Hi all, I've been reading some horror stories regarding David Lloyd cancellations and I desperately need some advice. At the end of February I got a massive hike in my housekeeping which I pay my step-dad. This made the £59pm membership with David Lloyd impossible to pay. This came into effect from the beginning of March and I needed to cancel my contract. The issue is I signed the contract back in October to commence in 2015 on an early start type thing. 2 months free if I recall. I read there are OFT rules saying you can terminate a gym contract if it isn't affordable anymore and they have to let you go. I was given a letter by my step-dad explaining the new housekeeping amount. I called and spoke to someone in membership at my club and they said if I bring the letter in I would be able to cancel under a "change in circumstances". I took the letter in and was made to feel like a liar - with her implying anyone could have written it and it was bogus. Obviously I strongly protested and I was told she would pass it on to the manager. Generally they need a "legal document" she tells me. I then get a phone call from her male colleague explaining the situation and that I am unable to cancel as it's not deemed "suitable" for them. I then spoke with the manager who explained they need something "letter headed" or "legal". I explained I am unable to provide anything but the letter I already have and that my step-dad does not have letter headed paper... why would he?! He went on to say it's not satisfactory to them and that I need to take in my personal bank statements. I said I would consider it due to fact it is a full overview of my finances which I don't feel comfortable sharing. I later emailed the local membership email to explain that I decline to show them all of my banking statements as it's personal. I went on to quote their contract saying that under exceptional circumstances they need something "satisfactory" the exact details of what is satisfactory are not defined anywhere on the contract. I said I have provided the only evidence I have available to me to prove the DRASTIC change in circumstances and that the term "satisfactory" is just designed so they can continually change the goal posts on me. I said if I don't hear back within 7 days then I will assume the matter is appeased. Someone in the department assured me I would be contacted. This email was on the 19th of March. Not hearing anything - I assume they've understood the awkwardness of the situation and shown some sort of compassion. WRONG!!!! I get a call on Friday 10th from ARC Europe saying I owe them £79 for unpaid membership. I assured the person on the phone that he is wrong and to check his facts with David Lloyd as my understanding is that it is a resolved matter. He asked who I spoke to and said the account will be suspended. I called David Lloyd that same evening to demand to speak to someone in membership to see if the matter was still ongoing and was assured I would be called this Saturday just gone. That never happened. I called them this evening asking to be contacted as a matter of urgency and I'm assured a phone call tomorrow - which I doubt I will receive. Please please please can someone advise me what to do as this is stressing me out quite considerably and I'm panicking. Thanks in advance.

Hi Over the years I have been living on credit and had many cards/loans, trying to juggle the payments, and then got into a payday loan spiral. Regret all that happened and now am in an IVA Today, I received an email from Wonga saying that my debt is wiped out and no more to pay which is great news. Please can anyone advise me if other payday lenders are doing the same or best action to take to get these debts wiped or reduced too? Thanks in advance

Paid cash for 4 pieces of furniture was offered discount if I paid in full there and then signed order but sales person didn't explain about cancelling terms now found out I can't cancel area manager for Scotland says he will not refund and my order is made its ment to be bespoke don't see how that can be made in a week he also says if I contact ceo by recorded delivery it will go straight to him help I have paid £950 any advice would be appreciated

Hi - any advice really welcome! I am moving house this Friday (7th August) from one end of the country to another. I used Shiply.com to find a remover. Shiply took £125 off me for a deposit, and unfortunately the remover had to pull out and I have to get another remover. I have been finding that there is no way to contact Shiply for that money back. On their site they say that deposits taken but not used against a move are kept by Shiply (they can be used another move within 6 months, but I shouldn't think many people do that if it can't be the same move). So I cannot book another remover until I have had that money credited to the account, but my move is now the day after tomorrow. I have emailed them every day using their contact details since Saturday. Their contact phone number for customer services is a dead line and does not take calls. My latest email has just been bounced back to me. Do you have any advice? I have no complaints about the movers who have always been great, but this service from Shiply itself is terrible and looks like blatant profiteering. Meanwhile, I have no removals company for a move 2 days away. Thank you!

I sold my motorhome a couple of weeks ago and wrote to the Insurance Factory to inform them of that, as well as provide the proof of sale. I paid by monthly DD and assumed that as I was no longer the owner of the vehicle, my insurance would stop. I WAS WRONG!!! Since then, I have received threatening letters and text messages saying that I owe then £200+ and that I am now referred to a debt collection agency. They provided a list of costs which included payment for legal protection; breakdown cover, admin fees and two figures which they recorded as just being under 'costs'. I wrote to them to appeal and to ask for further clarification on the money they say that I owe. I also asked for a copy of the credit agreement with Highway Insurance which outlines the cancellation fee if selling my motorhome, which I never received and so never signed. I accept that there will have been some administrative fee (which they say was £15.00) but the sum of £200+ seems a disproportionately large amount which is neither fair, nor reasonable. I exercised my right to cancel the policy after the sale of the motorhome and yet this has resulted in the company seeking to penalize me for that decision. I have contacted the company by phone 20+ times with little effect and have sent several e-mails which have thus far not been responded to. The reviews of the company are shockingly bad which I wish I had known before taking out insurance with them. Can anyone advise please as I suspect the threatening text messages will continue......

I've only been with BT since the 26th June and they have literally made a mess of absolutely everything! First their system failed to process my original online order. This only came to light when my equipment didn't arrive and phone to inquire. As a result my order was delayed by 2 days. They re-processed my order incorrectly, completely different package than I had ordered. Not sure why but I received the equipment three times!! They changed my phone number (which I've had for 23 years) despite me asking them not to, they promised to reinstate it. This promised on the 26th and I was told it would take 24 hours. Till this day it's not be reinstated! Each time I call them they say it will be done within 3 days, it never does. My BT Sport doesn't work, I was told their is an issue with my TV account and it will get fixed and someone contact me. They never have, I have spent so much time chasing up the phone number issue I have no energy to also chase this up! When they re-processed my, because they ballsed up the original, they picked a completely different package to the one I asked for so now I am being charged for phone calls i make despite me choosing to have Unlimited Anytime Calls. I'm also now ineligible for the Sainsbury's gift card as I didn't place my order online! Yes I did, but they had to re-process it so it's down as not being order online. Again I can't even be bothered to kick up a fuss as I just want them to return my number and charge me correctly. What makes this whole thing even worse is their appalling customer service. I understand things go wrong but at least make an effort to deal with the issues! On numerous occasions I have been promised a call back and nothing! :-x Any advice on how to escalate a complaint? To be honest I'm not after any compensation or reimbursement, I just want the services I signed up to and am paying for! Is that too much to ask from BT?

My 16 year old has just p***d away £1014 on FIFA Ultimate Team and Runescape crap. Briefly, he was left an inheritance of £3000. We took him into the bank where his current account was and helped him open an ISA and put it in there. Unknown to us, he set up online banking and over the space of a month started transferring it into his current account to waste on in game player packs etc. In one single day he blasted over £400 He knows in no uncertain terms that he has been utterly stupid and has vowed to earn it back over the summer with a part time job(s). I know that I'm at fault for not drilling into him the value of money and how important this windfall was for his future and college. He said that he knew it was wrong but he just got carried away. Considering his age and the mass of transactions that occurred in such a short space of time with seemingly no suspicions raised at either the bank or the two companies involved, is there anything I can do to recover any of the money? Can the player packs be sold on? Can the Runescape purchases be returned? Does anyone want to adopt a "stoopid" teenager? Regards, Essemess.

Hello all. We came across CAG through Google searches about Everest and their cowboy antics, as we have suffered pretty badly at their hands over the past 3 years or so and thought you may be interested in our experience of Everest. They were so bad that we ended up creating a website detailing everything that has happened to us, but in a nutshell we experienced heavy leaks (one was like someone pouring a cup of water down the inside of the window), and water pooling near electrical outlets. If that wasn't bad enough, 2 glass roof panels (the inside sheet on each) separately crashed down on us, narrowly missing me as I leapt out the way. Everest refused or were utterly unable to put matters right and after the second panel collapse we were advised by our lawyer to get a replacement roof fitted for our safety's sake. This (and damaged items in the roof collapses) cost us £8k but Everest were unwilling to pay for it, and can not be sued due to the clever way they construct their "company" in Jersey (where we live). Even a lawyer we employed couldn't find a way to sue them to recover the costs. Needless to say, their support was non-existent throughout and sadly our so-called "Trading Standards" department don't want to know, claiming their remit is "Weights and Measures" (is this normal in Trading Standards on the UK mainland?). Having tried every avenue possible, we have now resorted to putting a large sign on our house advertising our website which has much more info - if you are interested please PM/email me and I can send the link to you. It makes for some pretty damning reading. Thanks for reading, any advice would be most welcome. I am off to post some helpful info (I hope) in the computer section as I am a self-employed IT Consultant by trade! Tim Clayton.

Seeing so many people that are having issues with loans company Provident I thought I would post up there 2014 year report so you can se where all of you fees and charges go. That is to get even more new customers to make their lives harder and get even more fees/more money. See the attachment of how they are doing including some of the other known companies under their umbrella.. Satsuma Vanquis Moneybarn and many more including the other countries the are in too

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?