Hi I need some advice and wonder if anyone can help. November last year Virgin cut my service phone/tv in favour of a neighbour's service and told me they would not put it back on until I paid the bill. Of course I was furious as my bills are always paid and i am never more that 2months behind. Of the 4 years I had been with them they were always paid. So, I decided I no longer wanted their service and wrote 2 complaints to Virgin. They sent acknowledgement letters but no answer to my complaint. I then received debt collector letters from BPO asking for £135. January, I called Virgin and spoke to a woman in Collections who told me that I actually owed £40 to that point. I asked why the Debt collectors letter was asking for £135. No answer. I said I want to escalate my complaint but was told the collections dept was the last port of call. (she did not know I had written 2 letters already to Virgin Head office). To cut a long story short, I was unhappy with the response overall from virgin and wrote a letter laying out my complaints, asking for the actual amount I owed. I then received a Letter from another collection company, CSL, asking for £95 I wrote to them asking them to refer it back to virgin as a complaint is still outstanding. That was in MARCH. 5 days ago I received a letter dated 19th July from HL Solictors threatening court action etc etc. To date Virgin still has not answered my written complaints. Do I have any recourse through the Consumer Credit Act? I was reading the OFT page which indicated I did, but not sure. Can anyone consolidate or suggest action as to how I best respond to HL Solicitors? I need to be able to quote areas of consumer law to them. I am also planning to offer payment of £1 under protest. Any suggestions would be gratefully received. Mumof3

This is my very first posting so I am hoping somebody can help please:attention: My brother has learning difficulties and I have his mail forwarded to my address so that I can help him to manage his affairs. I stepped in to manage his affairs because my brother was unable to stand up to telephone salesmen who were bombarding him with calls in his own home. The situation was so bad (he was falling deeper and deeper in debt) that he has now gone into sheltered accommodation where he has some protection from people who take advantage of vulnerable people like him. When he moved into the shelter last October I helped him to sort out his affairs and found that he had a number of insurance policies from different providers which provided him with contents cover. One of these policies, from My Cover, provided him with unnecessary satellite TV insurance. As he was moving I contacted the company to cancel the policy and I was told that the policy could not be cancelled unless My Cover received this request in writing. I wrote this cancellation letter (which my brother signed) and sent it to the company on the 5 October 2012. Shortly afterwards I received a letter telling me that the company would not cancel the policy unless they received a cheque for £25 to cover the cost of "administration" for the cancellation of this policy. Again, I wrote a letter dated 12 November 2012 cancelling this policy and enclosed a £25 cheque from my brother for the administration fee. My brother signed this letter. We heard nothing more from My Cover and I thought the matter was settled until we received a letter from them today which was dated the 24th April 2013. The letter had gone to my brother's previous address (as I check the empty house regularly, I know the letter could not have been received any earlier than the 3rd May). The tone of the letter is very threatening and states that: ' the insurance is still active (nearly 6 months after our last contact with the company) because My Cover has not received the cancellation letter that My Cover is prepared to cancel the agreement if we pay another £25 administration fee within 14 days (we are already past that 14th day i.e. 8 May 2013) that, should my brother not pay this additional administration fee the matter will be referred to their Legal Department and my brother will be taken to Court. The letter goes on to explain that my brother will be liable to costs etc and that a County Court Judgement will seriously affect his credit rating etc Can you advise me on the next best step please? I have the original letters on my computer and these prove when the letters were typed up but I can't prove that My Cover has received these letters so what can we do about this? Also, I am very suspicious about their reasons for not contacting my brother for nearly 6 months. Surely, if they genuinely thought he was in arrears they would have contacted him before that? Any advice would be welcome Many thanks Wendy