The MOD Service Leavers Guide has been updated on 31st March 2016. To view and Download the guide see link: https://www.gov.uk/government/publications/service-leavers-pack

I cancelled my Barclaycards returning them to BC who did not advise the credit reference agency which might have affected my credit rating. After writing some letters with no reply I started the formal complaints procedure with BC and still no reply so referred the file to FOS. I requested that BC advised the credit reference agency, explained, apologised and paid me compensation of £100. FOS ruled in my favour and I await the payment from BC who apparently had not received any of my letters. So I am a happy bunny.

On 15th February, Talk Talk were informed that a phone line needed repair and the phone line was essential due to the 82 year old who relies on the landline to operate his emergency call system (the pendant around his neck). Response from Talk Talk: This fault will be repaired next day. Members of the customers family repeatedly phoned Talk Talk. Family friends repeatedly phoned Talk Talk. I also repeatedly phoned Talk Talk. Talk Talk gave me false information, or lies, on 4 different occasions as to when the repair will be completed. Talk Talk manager also said that the repair would be completed the following day. Another Talk Talk manager said account had been marked that day to be a welfare / emergency account and that repair would be prioritised. When asked why this had not been prioritised during my earlier phone calls explaining the situation of vulnerable customer, I was told it could not be prioritised because it had not been passed to Openreach. After a few minutes, I asked why had there been a delay of 6 days in passing account to Openreach and same manager said account had been passed to Openreach 6 days earlier. I then reminded manager about her earlier response and the fact that she had contradicted herself, adding herself to the list of lies previously told by her colleagues in this company. There is also a data breach by Talk Talk. On one occasion, I confirmed my name and that I was not the account holder. The Talk Talk employee than asked password which I didn't know. The Talk Talk employee bypassed this password (they have done so on several occasions with myself). One Talk Talk employee made me authorise an Openreach charge in respect of the landline repair. I had to authorise this charge on someone elses account when no permission had been given for me to authorise the charge. Talk Talk has left a vulnerable 82 year old man who relies on his landline for his security, safety and independence. Talk Talk was made aware of the situation and in return have provided nothing other than false expectations or lies as to when repair will be completed. Not only have Talk Talk staff told myself lies, but also 2 managers have also lied to me. I visited here last week with intention of staying for a day, waitiing for phone line to be repaired. The customers family are away on holiday. This is now a new week. I don't want to be here and have no choice. Talk Talk are just telling me lies as to when I can expect a phone repair for this vulnerable person. Apparently, there is nothing Talk Talk can do apart from tell me to wait for a phone call from a manager. My complaint cant be escalated as it is already with the manager. This is one of the 2 managers that had also lied to me which does not give me much hope. I want this phone line repaired ASAP so I can go home. I have had enough of dealing with Talk Talk as all that does is waste my time whilst they spout out their same script, their same apologies, yet do nothing. Any ideas please? This is for an 82 year old man... and for myself, so I can leave here and go to my home. Desperate.

hi there, I need some advice as I am now going out of my mind. On Thursday 14th January 2016 I took out a contract with Vodafone pay monthly for an iPhone 6s in Rose Gold 16gb I received an order acknowledgement but no further information. I then called on 15th January 2016 to find out what was going on with the order. After being passed around at least 6 different departments and often without being told and just being put on hold I got through to a very helpful sales advisor. This advisor took it upon himself to cancel my original order placed on the 14th and place a new order with himself which was a much higher tariff and quoted exclusive of VAT. He also took £29 for the phone cost upfront and £9.95 for it to be delivered the next day before 1pm. I was promised a text message and email of this order in the morning for delivery which NEVER arrived. Neither did an email confirmation of the order. On Saturday 16th 2016 by 10am I had not received any email nor any text. Thinking this suspicious I called Vodafone to find out where the order was. I was hung up on 4 times, passed to 3 different departments and in the end my husband had to talk to them as I couldn't handle the stress ( I suffer from a depressive illness and anxiety disorder). I broke down in tears from the stress of it all. I was shown no empathy, no friendliness nothing over the phone. Just spoken to like I was an inconvenience My husband was told by their customer service person (as not one of them will give their names willingly) that the phone would not be here until the Saturday 23rd January 2016. She was adamant and all we could do is take her word for it, as she was at least the 7th advisor we had spoken to and despite having paid £9.95 for the next day delivery. That same customer service agent advised to go into a shop and sort out the contract there as it had already passed credit checks. My husband told her not to cancel the contract in case we weren't able to get it sorted in the store to which she agreed over the phone. I was listening to the whole conversation on loud speaker. Being the gullible/trusting people we are we went to the Vodafone Store to get this contract sorted out. They looked into the order to discover the last advisor who promised they were going to leave the account alone had taken it upon herself to cancel the contract, which she had promised she would not do. So the store set up a new contract for the iPhone 6s in Rose Gold, 64gb. I was also told I would need to pay £69 up front for this phone also. At this point in time Vodafone had taken £136.95 whether in debits or reserve payments. Just to get this contract sorted out I conceded even though that is a lot of money. All was fine until we got home after having to drive 30 minutes back from the most local Store and then a knock on the door came. It was the first mobile, iPhone 6s in Rose Gold 16gb. The very phone that we were told would not be delivered until the following Saturday and which the advisor had cancelled . This arrived at 3.38pm. So I was charged for £9.95 next day delivery before 1pm via Royal Mail which ended up with a cheaper courier not wearing a Royal Mail uniform. On both occasions I was misled by the tariff with the advisor's so I decided to cancel the contracts and instead use the business tariff. Since that day I have been on the phone countless number of times trying to cancel both these contracts within the 14 days cooling off period and return the phones for a full refund of the upfront costs. This has proved stressful, difficult and impossible. The first phone that arrived through the post has been returned and received but has still not been refunded. I am having to take time out of my business to get this sorted out and it's not forthcoming. The other phone that I purchased from the shop has proved near impossible. I tried to return it to the shop but they wouldn't accept it as the customer service team had already cancelled it. To this day I have not received the returns bag and have called every few days to chase a new one. I am always told it will arrive but has not till this day. I'm now out of the cooling off period and received a letter dated 4th Feb stating I now owe over £800 as am out of my cooling off period. The line was cancelled over the telephone well before 21st January and by recorded letter which I have proof of. I have also kept every online chat with service advisor's. I have tried numerous attempts to get through to a resolution or complaints team only to be told they don't exist. Their very own website points you back at customer services - no dedicated complaints service. Today I asked for a deadlock letter so I could see resolution through the ombudsman quicker to be told I couldn't have one as the resolution team have not dealt with it. So I asked to be put through to them. I was told that no I couldn't be as their is a process. I asked what their process was to be told they couldn't deal with it. WTF?!!? I'm at the point where it is now affecting my mental health. I get extremely stressed and anxious at the thought of contacting them to only suffer the same treatment each time. What can I do? I haven't received a refund for the first phone and the second phone has still not been returned due to not receiving the returns bag. Even when that is returned the process for getting my money back is really going to affect my health. I have filed a complaint with the trading standards team but too early for the Ombudsman to get involved (shy of 4 weeks). I have never in my life experienced anything like this. I just want these phone lines cancelled and my up front costs return with no further hassle. Why is it so hard? Any advice would be greatly appreciate, this is the worst experience of customer services I have ever experienced and I will be moving my business mobiles as soon as the contracts on them run out. Jody

Hi, I purchased some marine plywood from a merchants for my shed roof last september. It was delivered on a Friday, I put it up over the weekend. On Monday it was warped and useless. After inspection from their Area Manager and efforts to blame me for the issue, the timber merchant sent new material and finally offered a £100 refund. I had to tear down the new roof and spend another weekend and purchase additional materials to put up the second new roof in as many weeks. About a month later I finally received a refund for the full amount. Followed the next day by an email request I return the payment less the agreed refund. I have not received a letter of apology nor a verbal apology from the company nor any other communication. I felt aggrieved and so ignored their requests feeling just deserts had been served. Now I am receiving letters from Judge & Priestly threatening court proceedings if I do not make the payment plus additional £40 charge and interest accruing at 0.10p per day. What should I do, this company treated me quite badly with poor materials and poor customer service.

I think I have just suffered appalling treatment from the NHS 111 service. I say think because I´m not 100% well right now and perhaps I am getting confused. Please bare with me whilst I relate my sorry tale and tell me if you think I am being unreasonable in complaining. I had PTSD some while ago, and am over that but it has left a few peculiarities such as panic syndrome and chronic sleep disorder. I am currently having a problem with my toe and foot. I have managed to survive the CT and angiogram last Thursday. I panic at anything medical. so my doctor gave me temazepam in preparation and for during the procedure. This was issued 19.2.2016, 14 tabs,instructions 1 or 2 as required. I spoke to him on the phone on Friday evening, to let him know I had survived and to ask for some more Oramorph. I forgot/didnt think to ask for more Temezepam´. He faxed the Oramorph prescription to Asda and my partner collected it that evening, no problem. This is a very painful problem to do with circulation and I cannot currently wear a shoe or drive, and certainly cannot walk unaided. I am due to get the scan results Friday coming. Now, over Friday night, my foot excelled itself painwise, to the extent that I was sick three times. It started off a panic attack. I have been given temezepan before for panic attacks, but only a pack of 14 every 3 months, as they dont happen that often anymore.´ I knew that would calm me enough to set me to sleep, but I didn´´t have any. I got through Friday night, didn´t sleep at all and uncontrollable pain. On Sat morning my partner went to the chemist to ask for some advice. The pharmacist said to ring 111 and ask for a prescription, that the service could access my notes, and although it is a controlled drug, they would see I had safely been prescribed it before. I rang 111, explained the situation, explained that the pain was upsetting my mental health and she said she would get a GP to ring me back within 2 hours. This was about 12 noon. At 4pm I received a call from 111 to apologise for the delay, and at 6pm I called them to say I was worried about the time and being able to get any prescription changed before the shops shut. At about 7.30pm the GP rang me. After nearly 8 hours of patiently waiting for a call, I tried to explain the problem. He gave me the brush off, told me I´d had 14 tablets on 19th Feb, so he couldn´´t help me any more. He said it was a controlled drug and he could not prescribe it . I wanted to ask if it was safe to up the Oramorph but he put the phone down on me! I waited an hour, to totally absorb what had just happened. I think that GP saw "mental health" and treated me accordingly, as though I was on the scrounge like an addict. I rang 111 again and told them what had happened. I told them I also wanted to make a complaint about this and they have directed me to PALS. I reiterated that I was suffering panic attacks with this uncontrollable pain and was extremely upset to get that sort of treatment after waiting 8 hours. Everything was recorded, and she said that she would put me back in the system. 2 hours. I waited up all night, my partner was kept awake, hell even the dog was awake. The pain was off the scale, everytime I dropped off, my foot started to hurt like it was jammed into a beehive. I had another 2 panic attacks, which made me sick and everything just got worse and worse. At 8.30am I gave in and rang back. They confirmed I was on the list for a call back but they had been extremely busy that night. I know I could have called them back earlier, but I was worried about pestering them, and that being recorded as my mental health and not the pain I was in. This time they started asking if I was suicidal! Was I a risk to anyone else or myselff! Well a person can be all of those things when in terrible pain. They said because I was "upset" they would get a GP to ring me straight back. 9.00 am GP from 111 calls. I told him what the problem was, and that by now I was actually on the brink of a mental health crisis. He still wasn´´t going to let me have the bloody drug, only this time he tried to tell me they had no access to my records on the 111 service! How odd that his colleague could see what my own GP had prescribed. Eventually he agreed to make out a prescription. He told me that I wa s being treated like this because I was asking for a controlled drug and that drug addicts ring them all the time trying to con drugs out of them out of hours. I had to point out that I was not a drug addict but a retired professional middle aged woman. He said that I could collect the drug from Asda when they opened. My partner went to Asda to collect it. The pharmacist would not allow him to have it. It is a controlled drug so therefore he had to have the green paper copy . I rang 111 to explain this and they wouldn´t believe me. They insisted it was because I was not there in person to collect it. After an hour they agreed to ring Asda themselves. To be told that I was right. So then they had to get the issuing GP to speak to me. I had to wait for him to ring me for him to tell me that my partner now had to go all the way to the local hospital to collect the bloody prescription. Then all the way back to ASDA. Ok, that´s the story, is this level of treatment acceptable, is this what we have to get used to now? I have been left reeling by this treatment. Does anyone think I should go ahead and make an official complaint? Because I think I have just had a taste of how mental health patients are generally treated when they have a real physical problem. Not very well at all. Thank you for reading.

I live in a sheltered housing property and I am currently in receipt of housing benefit. My landlord is a social housing association, this year the weekly rent has been reduced, but the service charge has risen dramatically. Currently the service charge is paid for by housing benefit but what happens when Universal Credit comes into force? I believe when UC is introduced the rent is then paid directly to myself and that I am responsible for paying the weekly rent to the landlord. The question is the "service charge" still included through housing benefit when UC is in force? The housing association does appear to be very keen lately in adding these additional services and increasing the service charges with no improvements to the services.

Hi Guys I would appreciate hearing from anyone that is familiar with the Certificate of Service form (N215) as I need to submit one within the next couple of days. At the top left hand corner there are two questions (a) On what day did you serve? (b) The date of service is The claim was served on the Defendant on 3 February and I posted the Particulars of Claim to them on 17 February so which date do I insert for the first question and which date for the second? It is not clear to me. Zinnia

Hi all, Hoping somebody may be able to shed some light on my question.. I have a judgment against an individual. I have come to realise his name is misspelt on the judgment. Have been advised by the court to make a formal application to correct this using an N244 form 'Notice Application'. My question really is regarding what court fee I am supposed to pay. Ive read the official fee guide but it doesn't make it very clear regarding this type of application. Any thoughts? Ive already emailed the courts to ask but thought somebody may have the answer on here. Thanks in advance

READ MORE HERE: https://www.gov.uk/government/publications/financial-top-tips-for-service-personnel/financial-top-tips-for-service-personnel

The following PDFs are the MOD Guidance on: Guidance notes for Service Personnel applying for a mortgage Guidance notes for Service Personnel when applying for Unsecured Credit FOI201600147_Annex_D_Guidance_Notes_for_Service_Personnel_Applying_for_a_Mortgage.pdf FOI201600147_Annex_C_Guidance_Notes_for_Service_Personnel_Applying_for_unsecured_credit.pdf

MOD Referral Scheme to help service leavers get accommodation. Information about the scheme to assist eligible service leavers to get accommodation via housing associations. The MOD Referral Scheme is coordinated by JSHAO to assist some service leavers to get accommodation via housing associations. to be eligible their is a criteria. Read More Here: https://www.gov.uk/government/publications/mod-referral-scheme-a-guide

Hi I've been using a storage facility for a few years to store some old stuff. Recently, they seem to have started doing something a bit dodgy with their fines system to raise some extra cash. They send email invoices and not paper ones. I didn't get the invoice this month so didn't make the payment. Then I got two letters. They are dated a few days a part but the postmarks show that they were posted on the same day. The first refers to previous correspondence asking for payment and is a 5-day late fine for £5. The second also refers to previous correspondence and is a £10 for being ten days late. Bit annoying because they hadn't sent any previous correspondence, not even an invoice. I paid the same day. That was a week ago. Today I got a letter dated 1st February. That's around the date that I paid - but it's postmarked 3rd Feb which is two days after I paid. It's a 15-day late fine for £20. So, in total, they seem to have fined me a total of £35 for a service that doesn't cost much more than that, and have got some extra cash out of me simply by neglecting to send a demand for payment, and then delaying posting the fines until it's too late for me to pay. On the face of it this seems as dodgy as all hell, and looks like an attempt to up their profits. Is this legal? I'm planning to send them a letter asking for a copy of the "previous correspondence" and also asking for a list of the fines that have been levied on the account in the last year with the dates they were posted. I also want to ask why they send two fines on the same day, and why I've been fined after making the payment. Is there anything else I should be asking? And are these payments legal? I want to make sure I know where I stand before I write to them. I paid the fines inadvertently by sending a payment for 3 months in advance so I don't have to worry about more fines for a while. I'm also planning to move my stuff as soon as I can arrange a van. Thanks, H

I bought a car from Car giant four days ago. On the way to home I noticed a knocking kind of noise from the engine. I believed it's a minor problem but I immediately booked an appointment with a SEAT service center for an inspection. They confirmed engine sound was due to lack of service and it will take 5-8 hrs to strip the engine and find the problem. They said most probably new engine may required. They also showed me next service due to date and mileage on the service book had been tampered. Actually I didn't noticed or believed that it had altered at the time of purchase. Next service date altered to 07-06-2016 from 07-06-2015. We can see this clearly, it has been altered by pen. No service been carried out in 2015. Had I seen there was a missed service I wouldn't have bought the car. Now due to this lack of service, engine appear to have damaged. Only one service been done from new (06-2012). I called to Cargiant today to return the car for a full refund. They said they want to inspect the car and fix the fault. Recovery has been booked. I told them I was sold the car with tampered service book hence I need the full refund of the car regardless of type of the engine fault. They said they cannot take the responsibility of the tampered service book because that's how they received it from the previous car owner. I believe this so un-fare to sell a car like this. I'm wondering what are my rights in this case. Can I request for a full refund just based on tampered service log book ? Thanks for your advise in advance

Hello I hope somebody can help me as I'm at my wits end and Vodafone is stressing me out massively. I joined Vodafone in November 2014 having left T-Mobile after 12 years with them. I signed up to a 2 year contract with Vodafone, however, I have had nothing but problems since. I was incorrectly assigned two account numbers and charged for them both despite having only one phone and one mobile number. I contacted Vodafone several times over January and was told that one had been cancelled and removed from my account. This was finally confirmed on Thursday 29th January. However, the next day my phone had "no service" on the top of the mobile screen and I have been unable to make or receive any calls since. Tomorrow will be day four of having no service and despite makes several calls to Vodafone and visiting two different stores, no one has been able to fix my issue. I have been told both accounts were cancelled, then that this was not the case and I did have an account but my last visit into the store, the staff member could not find my mobile number on the system. I really have had enough and need this problem fixed immediately. I have had multiple sim swaps and had the phone checked out and there is nothing wrong with it apart from Vodafone not providing me any service. I really would appreciate someone please assisting me with this as I am getting nowhere either on live chat, in store or over the phone. This is possibly the worst time for this to happen as I am awaiting calls that are very important for my future and I am due to go away this weekend coming and need my phone to be working by then. Please could somebody assist me with this matter and get my phone up and running again as it should be?

So the issue itself is kinda "resolved" as I'm told to wait up to 4 days for it to arrive. But I'm left feeling misslead with the information that was provided when I made my order, and anoyed that whenever anyone from our household orders from Argos it always seems to encounter an issue!? Basicly I orderd a game that was due for release today, and I chose argos as it stated specificly that if I placed it I would get "delivery within 1 days" shame that's not the case however. As it was only till after my payment had been processed did it give me the typical error of, "Unfortunaltey we're unable to confirm your order at this time and will email you soon when it has been confirmed" or well something along those lines at least. Anyway I was paitent waited till the late morning which is now for any updates as I was expecting this today.So heard nothing and then I got in touch with Customer service, asked about the status of my order, I was calm and explained in detail what happend, they were short but quick to pass me onto someonelse who could handle with my queries. When I mentioned that it specificly said "1 day delivery" they told me straight that they "doubt" it said that and was probably for dispatch instead. Which I could understand more if it actually said that, but it didn't so I felt like i'd been misslead and that apperently they "knew" what it actually meant or said despite me seeing it clearly worderd with the words " 1 day delivery" not dispatch. They then proceeded to ignore my other quires and asked me to end chat and fill out the survey. In regards with my other quries which were, with what happend with the system as it's not even able to send notifications out or update my orders status? Or will I even receive SMS notifications at least?? When can I expect to hear any updates??? And then from that service it got me thinking about how this kind of thing has happend before numerous times when we've orderd Cookers, and Washing Machines, Tumble dryers and all sorts from them. I don't know why Me and my family keep trusting them probably becuase I had hopes they'd improve and it was all just unfortunate circumstances but this has been too often now and I'm just rather peeved and needed to vent. Sorry if this isn't the right place or if my spelling/grammar is off, I maybe dyslexic but I'm not blind and can understand the meaning of the difference between the words Delivery and Dispatch. Honestly it'd be nice to know at least that I'm not the only one who's experienced repeated poor service so I feel less of a personal target by them even if it's unintentonal and just system/human errors. ~ Sincerly a foolish customer.

I paid via PayPal but the service still say i do not have enough funds. can any one help? i have send an email to consumeractiongroup via paypal

Hi I just wanted to ask if anyone has used the PPI claim complaints page offered by Barclaycard to make a PPI claim? They have an online form and an option to print out a large PDF form to fill and send. To me there seems to be a large number of questions they are asking including employment status at the time etc, which I can not see the relevance of. If anyone has used this I would appreciate it if you can let me know of your experience,

I deposited some money to an online trading account who have an operations in the UK. This was about 7 days ago and i have come to have some reservations about the company. I am trying to withdraw my funds but according to their system they charge a £25 fee for withdrawals. Do i still have a penalty free option for 14 days using such a service or am i liable for the fee.? Not sure if this is in the right part of the forum but any advice would be useful.

I moved into a housing association property around three years ago. I received a letter from the housing association today stating that they now intend to introduce a service charge for the TV aerial maintenance costs and the door entry intercom maintenance cost. The reason why these new costs are being introduced from the 1st April is that when the tenancy agreement was signed the housing association did not apply the correct charges for provision and maintenance, however they will not be seeking the recovery of previous costs. Surely because a contract had been signed it cannot be changed?

Hello, 20th January I received two phone calls from one number. 21st January, the same number called me. Upon answering, the vodafone rep asked me a few questions about my phone, what i use it for etc etc. After explaining to the vodafone rep that I work night shifts and her call woke me up, she persisted in asking me questions. I answered a few more questions and could feel myself waking up even more... In the end, I became annoyed and told the rep that I am going to have to end the call because I need to sleep in preparation for my night shift. The rep still persisted in asking me even more questions!!!!!! So, I become more annoyed and ask to speak to a manager or supervisor. The vodafone rep apologised and said all managers are busy, but someone will call me back. No call was received. My question: I have contacted vodafone for a PAC code so I can keep my number and move to a mobile supplier who does not contact its customers with sales calls etc. But now that Vodafone have my number, am I likely to receive calls from them in the future when I am with my new provider? I know this may not seem a huge problem to some people, but as I work nights and need as much sleep as I can in the day, I do not want vodafone to persist in calling me!

Hi have been called in for an assessment and it appears that i will go from Severe Disability Allowance with care & mobility ( supposedly for life To JSA looking at the assessment am guaranteed to score zero points loin pain heamaturia syndrome Have an intrathecal morphine pump attached to a spinal catheter believe that would make me unemployable and logically would not be able to sign as " fit " for work 1988 to 1992 spent 18 months in hospital with chronic kidney pain had a kidney removed in error in 1992 as a form of pain relief misdiagnosed as kidney stones because of this had ten years of untreated chronic pain before being correctly diagnosed had my remaining kidney stripped of its nerves and placed in my groin which gave 6 months of pain free before having the morphine pump installed in 2002 which i have filled once a month and replaced every 5 years any words of wisdom would be welcomed regards marlene ( wife of les)

Hi folks, A quick question - can an employer insist that staff attend a christmas carol service?

I ordered a Smeg minibar fridge from a company called Capital Cooling. Service was great prior to ordering. Then it plummeted. The Smeg fridge had manufacturing defects. The ice tray section was not level so useless if you want ice. Also, the manual said it was 32L but the advertising said it was 40L. I contacted Capital Cooling, who then got in touch with Smeg. Smeg said it was a misprint. I assume all the other documentation saying 32L was a misprint too. Its been 2 weeks and they still have not collected the faulty fridge for replacement. I have contacted both Smeg and Capital Cooling. The latter said they are waiting for a reply from Smeg. Smeg said they contacted Capital Cooling a week ago. Each blaming one another. Smeg did the delivery, FYI. If they don't collect it after a certain amount of time, do I get to keep it and still get a refund? Its a constant source or irritation, taking up space. Thanks, Jon

I had an Indesit washing machine delivered on 10th November but when I went to level it for use, I discovered that the 4 rubber feet were missing. I have called their helpline, messaged them on facebook, posted on their facebook wall and emailed, yet I am not receiving what I need. They sent 1 single foot 3 weeks ago and then promised to send the rest on next day delivery, they sent me 4 springs. I was once again promised next day delivery and I got 1 more foot!! I don't know what much more I can do and it's really stressing me out. I have a family of 5 and not washing in this weather is driving me crazy. I really hope someone has some advice for me.