Hi everyone, I need some help fast!, To sum my story up this is a letter I wrote to Dell yesterday (one month after receiving a brand new laptop and 3 weeks after I reported the breakdown. "Official letter of complaint for faulty goods and refund refusal I bought a laptop from you on 27th August 2015 and it was received by me on 4th September. I paid £429. On Thursday 24th September the Internet was shutting off at will, I contacted my provider Plusnet on my old computer, obviously the connection was fine as I was chatting to them online. Upon chatting with your technical advisor XXX for 2 hours on Friday 25th September, it was conceded that the Internet hardware had a fault and needed to be repaired. XXXXX said she would book a pick up on Monday and the collection would take place Tuesday 26th September. I was to expect a call between 5-6pm Monday evening to confirm pick up on Tuesday of the laptop. I received no call, so I contacted XXX XX again. She told me the booking did not go through and to expect a call Tuesday for pick up Wednesday. I informed XXXXX that I would give Dell another chance but it had to be Wednesday as I wasn't available from Thursday to Sunday. I also told her I am on holiday in a couple of weeks so I want the laptop fixed by that time. Wednesday came and the booking did not go through again and apparently UPS would not review it until 4.30pm. They called me in the evening and said it would be collected Thursday. By this time, I was understandably angry so I asked for it to be picked up after the call the same day (Wednesday). They refused, so I contacted XXXXXX and asked for a refund. I was told she was waiting for a "review" of my refund! So it came to be that I gave Dell another chance, still very angry, that they could pick up the computer Monday, Tuesday or Wednesday next week but I want the refund by Friday as this is my right. Friday 2nd October I was offered a new computer in 7-10 working days! No, I wanted a refund. I was then told the "earliest" Dell could collect was Wednesday 7th October. I said this was the latest date as I wouldn't be at home and you would refund within 3-5 working days. Monday 5th October (a week after the original collection booking) it apparently was passed over to a "manager". Later that day XXXX (XXXX manager) offered for an engineer to come and visit and "fix" the laptop. Tuesday 6th October XXX wrote again and said refund isn't an option she can provide! She was sending up to "higher management"! Under the Sale of Goods Act 1979 (as amended) goods you supply must be fit for purpose. As there was a problem with the goods when I bought them, I requested that you pick up and repair the goods at no cost to me. I gave you two chances to do so, you have refused my refund and offered me a new computer and engineer, although I clearly stated I wanted a refund. I have all the e-mails sent by XXXX and XXXX and all I have sent including the original chat log confirming that there was a hardware problem with the laptop. The laptop failed within two weeks of receipt, the repair options were handled really inefficiently and my refund request was replaced with "other" offers. There should not be a problem, by law you owe me a refund and passing it around the Dell office is not making the problem go away. A copy of this letter will be included in a report to Trading Standards with all the relevant data. Please respond within 5 working days of this letter." After receiving this, a very arrogant man called me and basically talked down to me (he was very sure of himself). He told me an engineer would be coming tomorrow to attempt to repair the laptop. I told him I had given them many chances to repair it and now I want a refund. He refused point blank and sais that was not going to happen and they should be able to attempt one repair. I said I would take this to Trading Standards and if I have to, to court, he very arrogantly said "go ahead with that sir". He was actually egging me on to do it! Am I in the right thinking I do not have to accept a repair if I don't want to, and ask for a refund? If so, does anyone know what to suggest I do next? This has been going on too long now and I anxious for a solution. Please help!

Recently, I had some UPVC windows fitted.. Shortly after the job, I noticed that there were a number of defects with the glass and frame i.e. cracked glass, damage to frame etc As per the company's guarantee/policy I contacted the firm. I was then told to email them detailing the issues. I did this immediately, however they ignored my email. So a week later I called again. I was given no apology, instead I was told to provide some additional details, which I did. In my follow up email, I politely asked to be contacted within 7 days to arrange for remedial work to take place... Once again, they have ignored my email. I am looking for advice on what I should do? If it helps, the firm is a 'check a trade' listed company.. However I am shocked that a firm would act like this.

Sadly I went onto VF website last week and realised I was due an upgrade. I ordered the new iphone6s plus under pre order. it was meant to be £59 per month and £309 upfront cost. When I got home that night I noticed that my monthly payment had been billed at £120. I rang vf customer service and was told that I was more or less lying and that I could not cancel over the phone and would have to do it online. There is no where on line to cancel a order. over the next 36 hours I spent a total of 7hours 12 mins with customer service who said everything from 'you can only cancel within 1 hour of placing on line order' or 'your order has 100% been cancelled' to 'I am not allowed to cancel your order' I have now tried to leave VF and requested the PAC number to port to another network. They now say that I am in contract with them and if I want to retain my number (which I have had for 20 years )I will have to pay them £708 pounds. They are also refusing to unlock my handset from their network as they say I have not paid my bill for 3 months. All of this is complete rubbish. My bills are paid via direct debit and come out on time every time for the past 3 years with vf. I even went into a Vodafone store on Saturday and requested cancelation there which they refused. I asked her to write it on a bit of paper that she was refusing and she point blank refused to. All in all Vodafone are breaching just about every distance selling and cooling off period law, threatening customers, lying to customers and what amounts to stealing from me. I am disgusted, stressed and out of pocket from these fraudsters. DO NOT BUY FROM THEM, IT WILL END IN TEARS.

Hi guys My wife has a phone on contract with Virgin Mobile (Galaxy S5) and has had no issues up until recently for the past 6 weeks she has been restricted on numerous occasions what has happened is she recently changed her number as she was getting alot of spam messages and calls so they actually sent her a new sim card and promised a new number and her tarrif would be swapped over. So she received the new Sim popped it into her phone and obviously thought her tarriff would be there and started using it as normal up until again her phone was restricted and when she phoned up they said she has excessive usage of £237.99 which eventually was credited back as it was a mistake on there end for not moving the tarriff over to the new sim card, what has annoyed her the most this constantly happens where the tarriff is there but a futher £112 has gone on top of the bill totalling it to £349 for an unlimited VIP tarriff at £32 a month. This has been taken high up to the CEO office to deal with but there just as much use as the customer service and she is now worried about setting up a direct debit again until all is rectified but again yesterday they restricted her phone for not setting up the direct debit What rights do we have here as shes thinking about asking them to release her out of contract due to the hassle shes having at the moment. What annoys me the most is im a Network Engineer at Virgin Media and my thoughts on Virgin as a company go from bad to worse everytime this happens Here is her breakdown from the account Your tariff Extra use Other costs Your credits Total amount 07982871 Add name to number - £350.66 - £237.99 Cr £112.67 07986227 ( Should be Cancelled) Add name to number - - - £0.12 Cr £0.12 Cr

Hi all, Been mulling this over for about a year now as I was fobbed off by HSBC for my PPI claim. Here are the basics: Had a loan with HSBC in 1997 as I was 19 I was advised I HAD to have PPI for the loan, as I was buying a car and paying off a credit card. Loan was for £3000 Xmas 97 extended the loan to £3500 and again (I remember sitting at the desk in the Crawley branch) and being told, as I was extending the loan that PPI again PPI HAD to be added as they are 'helping me out'. '98 was going through debt problems and my father took me to HSBC branch again and they took my debit card off me and restructured the loan again with PPI till I paid it off in 2000. Now I followed all protocol for the information of the accounts and statements, but none was forthcoming. HSBC eventually (after 9 months) sent me the loan account numbers but said there was no PPI on any of them. I spoke to two different HSBC people in two different parts of the UK. One guy stated that he has all info in front of him, but can not 'verify' I had PPI and the lady I spoke to just said that she cannot confirm that I had PPI as it was too long ago and all details are destroyed after six years. I stated to both of them that if all details are destroyed after six years and no data stored on Microfiche, how can you send me details of all loan accounts and statements? Both staff said that if I can provide the PPI certificate, I have a claim. Now this was last year, The Ombudsman agreed with HSBC that there is 'no proof' that I had PPI, but I know I had PPI. Where do I stand. Barclays paid out on my PPI for years 98-2000 and I had no info for that. What I want to do is file at County Court for say £3000 for PPI Mis-selling and see how far I get until they settle or I go to Court. I have nothing to lose apart from my fee's for the County Court, and maybe HSBC might find my information? Look forward to any replies.

Hi, I was wondering if anyone could help me dealing with Wacom.eu I bought a Cintiq from them which is still under guarantee unfortunately, it only worked for a day and went completely dead. Wacom offered to send me a refurbished one or alternatively repair my one but I have to cover the postage cost in this case. My problem is that the item in question costed about £1600 and I do not want to accept a refurbished model as I think it would be extremely unfair to get a second hand machine in return for a fault that was inherent in the machine to begin with. Any help would be very much appreciate it, Thanks!

Don't know if we are allowed to mention names here, but here goes anyway. Interested to know if a letting agent can legally switch energy suppliers on a house up for rent without notifying or seeking authorisation from the Landlord/owner? Discovered that Countrywide 'sold' the contract to E.on, (who incidentally have a whole department dedicated to that company). Countrywide get a fee (although E.on would not say how much this was) and E.on get a new customer (we know how apathetic most people are on changing their suppliers) on any tariff they choose to set. E.on said they took the contract on in good faith (ie. that is on the understanding that the Landlord had agreed). Clearly no checks and balances on E.on's part, but then scruples are always thin on the ground when money is one the table.

Hi My partner ordered some bridesmaid dresses from an in-store catalogue, yesterday she went to collect the dresses which were delivered to store. One arriving home and opening the box she noticed she has been sent the wrong colour. BHS have admitted fault on this and have asked her to return them. However they are refusing to exchange only refund. The dresses were 20% off when she ordered, they say they will honour this but only if she re-orders today. Considering the cost of the dresses she does not want to re-order until she has received her refund. Does anyone have any advice? Is there any case for making them exchange considering it is their fault? Thanks in advance.

I have a 24 month business contract with Vodafone, on which I pay for 8 numbers. I have been a loyal Vodafone customer for 10+ years. This week one of the business handsets (iPhone 5s) starting playing up and blue screening. Having checked this online, I found it is a known problem with iPhones. The phone will now not turn back on. This is a business phone/ number and we use this number to give to clients as a main point of contact. I am 12 months into the 24 month contract, and 16 days past the warranty period for the handset. I did some research online and found that under the Supply of Goods and Services Act I have statutory rights to demand that Vodafone provide handsets that are 'fit for purpose'. I would expect that for a 24 month contract, in which I am paying monthly not only for the calls/ text etc but for the handset itself, that the phone would last the duration of this time. Digging a little deeper I found that the EU consumer directive states that 'A two-year guarantee applies for the sale of all consumer goods everywhere in the EU. In some countries, this may be more, and some manufacturers also choose to offer a longer warranty period.' Crucially a key point in the directive is that it doesn't require the buyer to show the fault is inherent in the product and not down to their actions. Furthermore, Citizens Advice state that if you are unable to use your service while your equipment is broken, the service provider may have broken their agreement because they are not providing you with the service you are paying for. Armed with this information I called Vodafone customer support today only to be told that none of the above applied to Vodafone when an Apple product is concerned (?!) Had I bought another phone (say a Sony or Samsung) then Vodafone would happily extend the warranty but as I had an Apple product that was older than 12 months there is nothing that they can do! I asked the agent to confirm that Vodafone don't uphold the EU directive nor the Supply of Goods and Services Act and the agent confirmed that this was the case! I advised that I would be emailing the CEO, Jeroen Hoencamp, to ask him his take on this. I also plan on contacting Trading Standards and the Alternative Dispute Resolution service provided by Ombudsman Services Communications. Meanwhile, I am without one handset which is not only crucial to the daily functioning of my business but in addition to this I am being told I must continue to pay for a service for another year that without a handset cannot be used! I intend to pursue this to the last degree as I cannot see how Vodafone can ignore these rules! I entered a contract with Vodafone and in my eyes, and the law it would seem, they have breached their end of the agreement. I wondered if anyone else has come across this and what steps they took?

Hi im new here so i apoligies if this is in the rong section. Please some one give me some advice. I am privately renting a property. When i first moved in it was me my partner and my son. Due to some difficult circumstances me and my partner have seperated. I informed the estate agent it will just be me and my son living at the property. They called the landlord and he had no problem with this. Now the estate agent want to do a brand new tenancy agreement with new fees. Now im happy to pay fees for a new tenancy agreement However they have said they need to re-refernce check me of a charge of £150, and also re reference check my guarantor of a fee of £100. Now when i first moved in i already payed for these checks and dont they still stand ? nothings changed apart from my partner moving out so why should my guarantor have to be re checked when he was liable for full rent anyway? So they have sent me a section 21 notice to vacate in 2 months saying the landlord wants me out. However the landlord has said its fine they just want me out because i refuse to pay for checks ive already payed for?. In the section 21 it has also said i need to pay for proffesional carpet and curtain cleaning and show them invoices for this . There says nothing of the sort in my tenancy agreement just that it should all be the same as the pictures in the inventory. Now i have 2 months to either pay which i dont see why i should pay for something ive already payed for a year ago. Or be made to move?. Also my deposit is in a deposit scheme so if i find another private rental how does it work with my deposit being transferd? Sorry for such a long thread just need some advice? are the estate agent allowed to do this? when the landlord is happy for me to remain in the property with my son?.

DFS v me (won). STAND UP TO THEM Hi all, I order a chair from DFS in November 2014 and paid a deposit of £100.00. DFS promise to delivery my chair for the christmas period. They failed to deliver the chair and informed me that the chair will not be ready till around the end of feb. 2015. i made a complaint to the store and they refused my cancellation and my refund of the £100.00 deposit. I wrote a final email/letter to the manager of the store and to the head office and gave them 14days to refund the deposit if not i would sue them in the local court. I also enclose in the email information about Unfair trading practices – buying from a trader and make them aware of this new rules. Today i received email from DFS now agreeing to refund my deposit after reading the new rules for UUnfair trading practices – buying from a trader . I have attached letter from DFS for viewers see and take note. Dear manager Regarding my complaint . Below, i have attached information for your attention. Please read carefully and take note. Unfair trading practices – buying from a trader If a trader misleads you or behaves in an aggressive way you can report them to Trading Standards, who may decide to take action against the trader. From 1 October 2014, you may also be able to unwind (undo) the contract and get some or all of your money back. This page tells you what action you can take when buying from a trader who misleads you or acts aggressively, and how much you may be able to get back What action you can take If you bought something, on or after 1 October 2014, from a trader who acted unfairly when dealing with you, you may be able to: unwind the sale and get a full refund or have a discount, and get compensation for your loss or distress. You may be able to do this where the trader’s practices or behaviour are: misleading or aggressive, and the trader’s actions played a significant part in your decision to buy from them. This applies to most goods and services, including utility contracts, door-to-door sales, holidays and holiday lets. It does not apply to financial services the sale of land or social housing credit, unless it is linked to the purchase of goods and services. When can you unwind the contract? You can unwind, or undo, the contract if: you do so within 90 days, and you have not fully consumed whatever you bought, and you have not already asked for and had a discount. You do not need to show any loss or that the trader acted dishonestly or negligently. How to unwind the contract You must clearly tell the trader that you are rejecting what you have bought by saying or doing something to demonstrate this. For example, write to the trader and say that you want your money back because you were misled into buying the item or because the trader harassed you. What happens when you unwind the contract? When you unwind a contract, the contract will end and you should receive a full refund. This should happen, even when you have used the goods or service for a while. If you have been supplied with any goods, you must make them available for collection by the trader when you unwind the contract. Continuous supply contracts If your contract is for the continuous or regular supply of a product, for example, electricity or broadband services, and you have used it for more than one month, you will have to pay the market price for what has been used. This will be deducted from the refund. However, if the trader’s behaviour is particularly bad and its effect on you severe, you will still be entitled to a full refund. When can you get a discount? You will be able to have a discount instead of unwinding the contract if: the product cannot be rejected, for example, a service contract which has been fully carried out, goods which have been completely consumed or digital content which has been fully downloaded, or the 90 day period has passed, or you do not want to unwind the contract, for example, because you want to keep the goods or carry on with the service contract. You do not need to show any loss or that the trader acted dishonestly or negligently. If you have a discount instead of unwinding the contract, the contract will continue but your discount can apply to what you have already paid and also any future payments. How is the discount calculated? If you paid £5,000 or less If you paid £5,000 or less, the percentage discount depends on: what the trader did to mislead you or behave aggressively, and how badly it affected you, and how long ago it happened. The amount of discount you can claim, depends on how seriously you were misled or harassed by the trader: 25% discount – more than minor. For example, the trader misleads you about the delivery date for a product 50% discount – significant. For example, a business misleads you about the health benefits of a product 75% - serious. For example, a salesman visits your home and greatly exaggerates how effective double glazing would be in reducing your energy bills and refuses to leave until you sign an order form 100% - very serious. For example, a salesman visits your home and bullies you, as a vulnerable consumer, into signing a contract for work you do not want and misrepresents that it was required by local council regulations. If you paid over £5,000 If you paid more than £5,000, the set discounts may not apply. If there is clear evidence that the market price was less than what you paid when you made the contract, then the discount is the difference between the two prices. For example, if you bought a car, which you later found out had been clocked, Glasses’ Guide could be used to check the market price of the car with its true mileage when you bought it. Compensation As well as unwinding the sale or having a discount, you might be able to claim some compensation from the trader too. You will need to show that the trader’s behaviour means you have suffered any of the following: financial loss, which was reasonably foreseeable alarm or distress physical discomfort or inconvenience . If the trader can show that they took all reasonable care to avoid misleading or harassing you, they will not have to pay any compensation. But they will still have to unwind the sale or give you a discount. ANSWER FROM DFS TODAY Dear Mr xxxxxx, I am happy to say that we have managed to cancel your order with Furnico; the manufacturer of the chair you ordered. Therefore we will be able to refund your deposit in full as we will not have to sell the chair from the shop floor. From your reaction I am in no doubt that there has been some confusion about the delivery time of the furniture you ordered and that your understanding of the time scale for delivery was different from what DFS could provide. I am very sorry we could not meet your expectations on this occasion. I do not feel that your sales person ...... has used "misleading information" or "unfair trading practices". I do feel you were of a genuine belief that your chair would arrive just after new year. We do strive to deliver clear and jargon free information to our customers so I will be conducting a review of the message our sales team give when customers buy goods from DFS ...... I tried to call both numbers we have for you but was unable to get through. If you have any questions please don't hesitate to contact me on 01463 701290. Yours sincerely, xxxx General Manager DFS Inverness.

I have recently been very unwell and in hospital and was unable to cancel my upgraded Vodafone contract within the specified 14 days of renewal on the 12 January, 2015. I phoned Vodafone today to explain the situation and was shocked to find out that they have no process to deal with such situations and I am tied into an 18 month contract, despite the fact that I am unwell, can no longer work and quite frankly am unable to pay the tariff I am locked into. I asked for them to reduce the tariff and the only reply I could get was 'You are outside the 14 days of terms and conditions'. I asked if they had an appeal process by which I could explain my situation and support this with medical evidence. The reply was' You are outside the 14 days of terms and conditions'. I explained that I had not set up or even put the sim card into the new iphone5 they had sent me and I was perfectly happy to return the phone as long as they could reduce my tariff. The answer I got was 'You are outside the 14 days of terms and conditions' I asked to speak to a manager to discuss this - the answer I got was 'No mangers do not discuss these issues - you are outside the 14 days of terms and conditions. This is outrageous with a company as large as Vodafone that they have no system or support or flexibly for extenuating circumstances such as myself and I am sure other people. I have been advised that Lee the Vodafone rep should be able to advise me on how to move forward from the dreadful situation as I am unable to pay the current tariff and quite frankly am stressed enough with illness without this extra, totally unreasonable response and behaviour from Vodafone. I am currently working with Stepchange Debt Management Charity, so will ask if they have any advise on how to move forward. Please can you advise?

Hi all, I've been asked to go to a disciplinary on Monday: This is part of the letter emailed to me, I've accepted the meeting but now I want to refuse it. -------------------------------- Evidence of this is a Bradford factor score (based on absences in the last 12 months) of 238. You have reached this score following a 5 day absence in February 2014 and then 4 short term absences in the past 6 months – August 8th – Migraine September 10th – Sickness December 8th – Cold/flu January 18th – Stomach ache/sickness -------------------- 1. The bradford score he's worked out is wrong. 2. It was 4 days in Feb not 5 - so not accurate, which is should be as this is the only sickness I have done a return to work interview for. (before he started work here) 3. no return to work interviews at any of the other sickness dates, I made him aware in September I've not been getting return to work meetings and he just told me that my score isn't bad and there is nothing for me to worry about. 4. September says sickness because there is no record of it anywhere, I can't remember what it was either at this moment. 5. I feel like he's wasting my time, and doing it for alternative reasons other than concern about me/my team, he's already decided what he's going to do about it before we even get to the disciplinary. I am going to call Acas on Monday as well, but I start a 7pm, the meeting is at 8pm and I have an hour when I get here, which I am planning on emailing him, and the CEO of the company and refusing to attend this disciplinary, but inviting him for a meeting with me? I don't want to seem like I don't care about my sickness, I do, I work around 250 - 300 hours a month and I have more than covered the lack of staff situation - including the massive mess over xmas/new year, I do other peoples jobs for them and fill in where needed and I feel like it's all meant nothing. I have been here 18 months. Please anybody with any advice, thank you!

Hi and thanks for the forum. I bought a jacket on Amazon through a seller in May 2014 and the item has been used a few times only. The zip broke a few days ago and the seller advised that I was out of the 15 days to return it. Amazon said I had until August 2014 but to call my Credit Card charge backs. So I've just called MBNA and they advised that I needed to file a claim in 120 days. Is that the end of the road as I feel totally ripped off. The product in my view is not fit for purpose. Many thanks in advance.

Hi - been trying to work this out in my head but wonder if anyone has any ideas about this situation of mine, thanks. I have an interest only mortgage - the arrears I previously had were shown on the statements and increased the outstanding balance, which I understand. The new balance then attracted more interest. Later the lender took me to court and had the arrears added to the security, increasing the balance again. Shortly after that they capitalised the arrears - so - assume the balance went up again. Also added all their legal fees. Does this mean that there has been a double recovery of interest then?

Hi, it's my first post on here so be gentle lol. My partner and I were recently browsing looking for loans we came upon a certain website (which today has been on the news through Natwest) and yes we did put our card details in but at no time did we think that we were actually committing to something, let alone allowing them to take money from our account. Once we spotted the 2 withdrawals from our account we immediately tried to get in touch with the company via phone but it is all automated and it simply tells you to log into your account online and cancel and request a refund that way. When you try to log in online ....... guess what? they have no record of you! I have sent messages through there website all to no avail - we haven't even got an email to say "welcome to........." I called Halifax and they have said, sorry we can't do anything as you put the card details in and it is in that companies small print that they can take that money out! I have just checked my account again to find yet another company has taken another amount out - which happened to be mentioned on the other companies website! Can anybody help please?

I applied for an mbna credit card. They demanded 3 months bank statements I asked why. They said to verify your income. I said the agency I work through will certify my income, they insisted on the bank statements. I said I wasn't prepared to hand over bank statements as I didn't need the credit and it was not worth it just for airmiles. Because mbna upfront the obtaining of security information I was now in a position where they had the same security information as the other credit card I have (same password, mothers maiden name) plus they had all the account details. Yes I said the same password, for me it is the lesser evil than having several passwords that I now have to write down (which to me is a worse security risk). When I called mbna to terminate my application they took me through security in the course of which the operator repeated to me my entire password. Now to my understanding they are not supposed to know this and it is an obvious security risk if they do. I am accustomed to a bank accomplishing security checks by asking for certain characters of my password. I pointed out that as I had terminated the application it was unacceptable for them to retain my security information and they should delete it. That was 6 months ago. Since then I have written and been sent responses where they have asked me to call. When I call I am told that they want me to go through security and I tell them I'm not doing that because they shouldn't have that information. So they have had a formal complaint and a Section 10 notice asking them to delete my information. In the complaint I said I believed their security was lax and not competently administered a nd put me at risk as they were holding the same information as other financial institutions who I do hold accounts with. I wrote this letter at the end of April. In July while I was abroad I was alerted that somebody had obtained my password and attempted to access my credit card account online, consequently my card had been cancelled and I would have to change m my password. I rely totally on credit cards while abroad so was left more or less financially stranded by this. In August mbna produced their letter full of regret and tell the ombudsman if you're not satisfied. I told them that things had moved on - my account had been hacked which was exactly the consequence I had warned them of and they were being held responsible. I also told them they had not responded to the section 10 notice. They replied denying receipt of the section 10 notice and said that in any event they were required by the Consumer Credit Act to retain data about my application for a card. I agreed but said that requirement does not extend to the security information that I told them to delete. They said they would investigate the breach ... we take security very seriously blah blah... 7 weeks on (they said they needed 8 weeks to investigate) mbna have never contacted me to ask what account was hacked or when.. . .so much for a rigorous investigation. We are in a standoff. I've told them they are responsible for the breach of the account (note my bank account which they also have but doesn't share that password was not hacked). To date they have not deleted my security information. I am ready to take them on but am thinking of not basing my case on the Section 10 notice as it probably mean I am not eligible to be heard in the small claims track. I'll mention it but not seek remedy under it and I am hoping the ico will tell them to delete the data. something to be wary of if you ever abandon an application with a financial institution.

Hello, I purchased my council house under the right buy act, I took out an interest only mortgage with the Halifax and registered the deeds and the mortgage in both my and my Mother's names I paid the full amount of the mortgage for 20 years until i moved out My name is still on the deeds and as far as I know on the mortgage as well. My problem is that due to various reasons I am not in communication with any of my family so can't see the statements , The Halifax won't send me a copies because I no longer live there and also don't know my balance. Is this legal?

Hi, 2 months ago i sent my car to a garage to get a gear stick and steering bush done i had just bourght the car cheap as i knew it had the problems.The garage Decided to do a mot on it and came back with faults so they fixed them long story short bill was 900 pound it should of been 300 i didnt ask for any extra work to be done. I had not heard from the garage for weeks and just put it down to parts taking there time coming through. Anyway i got a bill in the post out the blue. well all this was happening i was unlucky to be declaired bankrupt i have put the garage debt in with the bankruptcy so its been wiped . Now the garage refuse to hand my car back to me even though the official reciver has told me i can keep it as its worth under 1500 pound. Not sure what to do next as the debt been taken in to bankruptcy so i dont anyone anything anymore so how can they refuse to give me it back? DO i need to contact the police or trading standards Thanks in advance any help or advice would be great

Ok guys alot of negatives comments could come out of this but im looking for the supportive comments I took out a contract back in December 2011 phone was a Samsung Galaxy S2 now what really miffs me off with these companies is they only offer a 12 month warranty with all phones and they give you a 24 month contract Now i had the S2 for 9 months brilliant phone i loved it only until one day i woke up and the phone wouldn't turn on took the back off to check for any signs of water damage and all the little strips was white so that indicates no damage to the phone so i sent it off to Vodafone waited for a week to be told it had liquid damage inside the phone and wanted to bill me £100 to fix it i kicked off stating the phone has no damage to it and i am not paying £100 for nothing so then Vodafone said they would pay half to fix the phone again i refuse to pay £50 for something which is still in warranty. They was having none of it so i told them give me the phone back and ill have it checked by someone i know who specializes in Samsung mobile phones he took the phone apart and said there is no sign of liquid damage in the phone all the strips inside the phone was white as i said Contacted Vodafone and they was having none of my findings so i left it at that So the guy i know tried to fix the phone and said that its had its days and would be far to expensive to repair the phone. I have sent Vodafone an email today to Stefan Langkamp asking if vodafone could kindly reset my contract from scratch and issue me with a new phone of my choice way i see it is they get my custom again for another 24 months and they dont get the hassle about the S2 which is now broken. Still not had a reply yet hopefully if that dont work then people here may have some kind advice. I dont want the contract cancelling as i would struggle to obtain another contract due to some debt i have recently cleared off. I just want a phone which i would feel like im getting my monies worth i had paid for that S2 within the 10 month period of having the phone as all my bills was averaging around £45 - 50 a month due to work commitments etc i tried contacting Samsung regarding the issue but i had no reply off them

In November last year my 78 year old mother, with my assistance, entered into a 12 month sim only contract with Orange. She had good coverage at this time. Two months ago she moved into a residential home where there is no Orange coverage at all so is unable to use her Orange sim for texts or calls. She does not have any internet on her phone. She called Orange customer services to advise them of her situation and to ask permission to end the contract early only to be told that it was "her fault" that she had moved. I, personally, would have thought it was extenuating circumstances but not Orange. They insist that she either pays the contract off or carries on paying it until November. The phone is her lifeline, so she now has to pay for two contracts which leaves her no money for anything else, but it is important for her to have contact with her family. my husband and I will not be renewing our contracts with Orange, EE or T-Mobile when they come up for renewal. I ask you Orange, is it worth losing two contracts just for the sake of ending my mother's early. Your loss not mine!! However, that is terrible customer service!!

Over the weekend (21-22 June 2014), Ebuyer had a Mionix Naos 8200 gaming mouse on offer at a discounted price. It was marked with the orange banner they normally use to indicate a particular product qualifies for free shipping with no minimum spend. After adding it to my basket and checking out, there was no option to apply the free delivery that had been promised on the product page. As Ebuyer don't have any telephone support over the weekend I contacted Ebuyer customer support by logging a new eNote on their system. Their response has been shockingly bad and they refuse to refund the delivery charge. See the transcript below of the conversation so far: Me 21/06/2014 11:53 The product page for the Mionix Naos 8200 [redacted as the forum system won't allow me to post a link] shows 'Free Delivery'. However, when I add it to my basket and then try to check out, there is no free delivery option. Only paid options. Why is there this mixup on your system? I wanted to order during the weekend special for this item (£29.99), but it is impossible to do so at that price. Sarah 24/06/2014 09:57 Dear [redacted] Further to your enquiry, confirm that we do have a free shipping offer, and this is highlighted on a number of web pages however as with any offer, Terms and Conditions do apply. These are stated on our help pages. Free Shipping only qualifies on orders with a total > £49.99 inc VAT, so this item would qualify for free delivery when purchasing at the current price, but not when purchasing at the offer price. I hope this helps. Kind Regards, Sarah Ebuyer.com Customer Support Team Me 24/06/2014 10:06 Hello, This item clearly had 'Free Shipping' prominently displayed next to the offer price of £29.99. I took a screenshot of it at the time. You can view it here: [redacted as the forum system won't allow me to post a link] Please refund the shipping charge back to my card. Thank you. Sarah 24/06/2014 10:21 Dear [redacted] Thank you for your response. Again I kindly advise that we do have a free shipping offer, and this is highlighted on a number of web pages however as with any offer, Terms and Conditions do apply. As this order did not meet the Terms and Conditions outlined, due to being at an offer price, carriage was correctly added and this charge agreed to upon submission of the order. Regretfully this charge cannot be refunded. Kind Regards, Sarah Ebuyer.com Customer Support Team Me 24/06/2014 10:28 Hello Sarah I'm not sure if you're aware, but eBuyer actually has 2 different free shipping offers: 1) The customer spends a minimum of £49.99 2) Certain products have a little orange banner which says 'Free Delivery'. In these cases it is not necessary to spend £49.99. You can see an example of this if you view a product such as this: [redacted as the forum system won't allow me to post a link] Hopefully you are already aware of these 2 facts and I haven't taught you anything new. If you add the £9.99 product above into your cart, you will notice that there is a free delivery option when you go to the checkout. This is because the item had an orange 'Free Delivery' banner on its product page. In other words, it is not necessary to spend £49.99. As I demonstrated in my previous note, the Mionix Naos 8200 mouse which I ordered had one of those little orange 'Free Delivery' banners. Let me know if my facts about the 2 kinds of free delivery options are incorrect, or if there's anything else you need me to clarify. Thanks. Sarah 24/06/2014 10:41 Dear [redacted] Thank you for your response. Yes you are correct, there are two options for free 5 day delivery, one is available on orders over £49.99 and one is for certain individual qualifying products. As you have outlined in your response, the difference is determined at the point of checkout. Free delivery will be an available option to select if an individual item is part of a free delivery promotion. If the free delivery icon refers to the minimum spend offer and your basket does not add up to the required value, carriage will be added. I hope this helps. Kind Regards, Sarah Ebuyer.com Customer Support Team Me 24/06/2014 10:49 Hello Sarah The product I ordered was part of the free delivery promotion, as it clearly had the orange 'Free Delivery' banner. Other products which are not part of the free delivery promotion do not have that orange banner. If what I'm saying is not correct, then please let me know the URL of a product page which does have the orange 'Free Delivery' banner but still requires the customer to spend at least £49.99. Because I suspect what you are telling me is not accurate. If a product requires that £49.99 be spent (which is the standard offer that applies to everything), then what would be the point of adding the special orange 'Free Delivery' banner to its page? Can you confirm that you've visited the URL below and seen the screenshot I took? [redacted as the forum system won't allow me to post a link] Please refund the delivery charge as the product I ordered was part of the free delivery promotion.

Hi guys I'm not sure if I have posted this to the correct place but i'm wondering if anyone can offer any advice. There is a row of houses on a road plus a detatched house which have been boarded up for many many years and are quite dilapidated now. The council owns them, and I have asked if the council could sell me the detached house and I would renovate it as I cant afford to buy a house at the prices they are and will never get a £200k mortgage. I have worked since I was 15 and never been on benefits but because of this im not entitled to any help, even when I was made homeless because of family issues, I worked I was not a priority so had to rent privately as the council would not help. Anyway back to the point the council have said that they are looking to demolish the houses so that they can build new ones, which I think is completely pointless and a waste of money they only need a few thousand pounds spending on them to renovate and I want the detached one so it wont be affected, they haven't actually got planning permission to demolish the detached property yet. How can I get them to sell me this they are wasting such a great resource and I could turn this in to such a beautiful home for my family.

I Need advice - please: I received new contract to sign but I DIDN'T SIGN YET POINTS ARE: - My working hours are changed from 9.30 – 5.30 to 8AM – 6PM - My lunch break has been changed from 1 hr to 0.50 hr - My bonus and Salary are changed, basically smaller bonus and bigger (small change from 30.000 to 32.500) salary but finally I am going to be paid £400.00 less / month - New role/ title - New / more responsibilities ( my current responsibilities plus more) - New unreasonable targets I don’t want to signed this, I am working in accounts department over 7 years and my question is: Can my company refuse my redundancy ? ?? Looks like my current position doesn't exist anymore, I have new one where I will have my current duties plus more. I was told today that I have to replay with attached signed contract or refuse to sign with detail why until tomorrow. I have to refuse to sign because I can’t work 10 hrs, plus overtime to do my targets, but I don’t know how to replay, I don’t want to write something what after can be used against me? I’d like to be redundant in this case, not go without anything. I have to add that there is no point to talk to my Boss, it wont be any changes Please help

Hi Im live in Scotland and looking for some advice. I bought a new laptop today. I thought it would be a brilliant new laptop to replace my old one. So I reserved one online then went to the curryspcworld store to get it. However I found that after trying to use it for 2 hours it felt horrible to use, with the touchscreen and keyboard. The only things I did in the end with it, was connect it to the internet wirelessly and go through the setup process in order to be able to use it. 2 thigs which are easy to reset, I've been told. When I tried to take it back, explaining that it felt horrible to use I was refused a refund. They said this was due to personal data now being on the PC and then to the packagaing no longer being sealed. A pc name and a name for an windows account is not personal data. Please can someone advise me on what I can do to get me refund? Thanks in advance.