That makes me feel a whole lot better, I'm sure I've paid this charge before also, when I first raised a complaint with SSE, Ill have to add this info to my case with the ombudsman.I wonder if Ill be able to get this refunded?

I've had the same charges from SSE which I am contesting. Got hit with that visitation charge, I then paid £100 off of a £180 bill, then they came back a few days later and charged me another £49.87 I have a complaint open with the ombudsman of which these charges are part, amongst other on-going issues. I've gone out on a limb because I'm waiting on the ombudsman to arbitrate my complaints, so I've simply told them they are not to contact me at all apart from by email, that I dispute all my accounts and im not paying anything at all (as my account is in complete disarray with historical alleged amounts owed, visitation charges and current usage estimates all rolled up into one big bill) until the ombudsman has investigated as they keep sending me texts and calling me at work. Hopefully the ombudsman will help me out, we will see..

Hi, Thanks so much for the reply, To answer your questions: Are you definitely sure that it was issued because you missed September's payment, and not August's? Ive noted down references of all the online payments as I've gone along, april, may june, july, and august all paid up, september is outstanding. I live on my own in a cheap house, so my bill is £74.91 folllowed by 9 x £70 April payment -on april 12th May payment - on 2nd June June and July payment - on July 17th (two payments to bring me back up to date) Aug payment on 20th August September - not paid yet Stop Press: I've just figured out looking at my recipts, I only paid £120 in July instead of £140, thats where the arrears has come from, i've basically been £20 in debt since July 17th. I ignored the last warning letter as it didnt mention this, it just mentioned that I was late paying, so I assumed it crossed over in the post after I had paid the normal instalment in August. Oh well, I guess I'm stuffed and will have to cough up the £430 for the remainder of year and the £60 costs:| this will be fun.... looks like my gas/elec company is going to have to wait a while... Thanks anyway, I think I will take your advice and try to pay in advance next year, so at least theres a buffer if I miss an instalment.

Hi all, Ive just had a summons through as I've not paid this months payment yet (September), its only the 2nd today, and I dont get paid until the 12th-ish if im lucky. I have had a previous warning, followed by a demand for the full ammount. I only settled what I owed according to the instalments at this point, due to cash flow problems, had to pay £1000 for an engine rebuild on my car (no excuse I realise) but I'm basicly fully up to date. Just wondering what my options are - I know theres not much leeway with council tax but to pay the reamaining years amount plus £60 costs to keep it out of court is seriously going to break me financialy until at least christmas, not to mention cause late payments oand nasty letters for other bills. Is there any way I can persuade them to carry on with the instalments, or at worst, pay the outstanding and get rid of the costs? technically I'm only 2 days in arrears, I know how strict the rules are once a final warning has been issued but it dosent seem right. Any advice welcome, thanks

Hi Just an update, success at last! Recived an email from the 'high level complaints team' at CPW stating that the will credit my account. It only took about 30 emails and a meeting with a personal banker! I did go to the bank to gain thier official view, but to be fair, they had the same view I did. It just re-enforces my view that customer service these days is not customer service at all, its just a layer of bureaucracy implemented to put people off making a fuss. I had intended to give them a final month to pay up as buzby suggested, as although it would be frustrating, I wanted no holes in my case. Final email&reply is below, for info: Thank you for your response. I'm sorry our previous correspondence has not fully resolved your query and for any inconvenience this has caused you. I'm afraid our banking team have been unable to locate the payment you have made to us using direct banking. As you have provided proof of payment for the £42.02, I have arranged for this to credited to your Carphone Warehouse account. This will show on your August 2010 invoice. Please be aware that any future payments can not be accepted by this method, you can still pay by direct debit, in any of our stores, using your credit or debit card or by cheque. If you would like to arrange a refund of this credit, rather then it be deducted from your next bill, please call our customer services team on 0870 111 7200, this call is free of charge from your O2 Carphone Warehouse mobile. Kind Regards, Victoria Griffiths High Level Complaints Team Customers Message Follows: ------------------------ Hi, I have today had to time off work to attend a meeting with a representative from the bank to discuss this issue. I advised them of your request and proposal as a way forward with this issue, but I was advised they do not recognise your intended process. It appears they share the same stance as myself, as in, I paid the money to the CPW, and if CPW cannot locate the payment then it is the sole issue of the CPW. The bank had simply followed my instructions as I was advised by the (flawed by your own admission) advice from the CPW regarding the transfer of funds. I have provided you with evidence of the transaction, and I have warned you repeatedly that failure to return the money would result in further action. My view has not changed and my deadline for legal action remains: 12th August 2010. I most strongly advise you return the money to me promptly, as you will incur further costs if I am forced to escalate this matter. Regards,

Well I've been to the bank and they pretty Much confirmed what I thought. Cpw are basic talking nonsense. They advise I contact the online bank team to obtain concrete proof of the transaction, and It is for cpw to refund the money. In the absence of a refund by the 12th, should I just go ahead and file at court? Or should I alow them more time as I don't have a formal statement of transaction from the bank yet, just a regular statement showing the transaction. Thanks

Hi, Just a quick update, Not had chance to get to the bank yet, will try to make it today at some point. I'll post up the lates emails below - does this sound reasonable? Thanks. ................................................................................................ Thank you for your email. The banking team can't trace the payment you are referring to, the procedure now is to complete a payment release form and send it to your bank so that they can credit your account with the missing transaction. Please reply with the information to the previous email, so that we can do this for you as soon as possible and progress to getting the matter resolved. I look forward to your reply. Best Regards Kerry White Carphone warehouse customer services Customers Message Follows: ------------------------ Hi, In a previous email I was informed your banking team was already investigating this issue - they should have located and refunded the money by now. As previously stated, I am not going to call you as it costs a fortune and I have no proof the converstaion has taken place. If you had taken the time to look at this complaint properly, you would also know that this money was paid by bank transfer on the advise of Carphone warehouse, not by debit card. I paid AGAIN by debit card because you disonected my service. This is why I have been demanding a refund of the bank transfer. You do not need my account number and sort code as I am already a customer who pays by direct debit, so you alredy have these details. I do not need to make an indemity claim via my bank as they are not at fault here - they simply carried out my directions, as supplied by the carphone warehouse, to transfer the money. I remind you that you have 6 working days remaining to recify this situation. Regards, XXXXXXXXXXXXXXX Date: Tue, 3 Aug 2010 10:06:20 +0000 From: [email protected] To: XXXXXXXXXXXXX Subject: RE: Carphone Warehouse- Complaint case id: XXXXXXXX refund complaint (XXXXXXXXXXXXXXX) Dear XXXXXX, Thanks for your email. We still have not been able to trace this payment, however I will send a request to our banking team, to see of it is in our holding account. To do this I would need to take a few details, however if you prefer not to put these in email, I would advise you to contact us on 0870 111 7200. We need the following details, Your full card number which was used to make the payment The sort code The account number The transaction number or auth code ( you can get this from your bank) Your banks fax number If this payment still cannot be located, you will need to discuss with your bank to see if an indemnity claim can be done. Kind regards Jennifer Osborne

Ok thanks for the help! I had a feeling I would have to get the bank involved, would rather not, but needs must. Oh well, there goes my lunch break tomorrow! I will post back how it goes, of any one is interested, thanks.

Hi, thanks, but thats not really the issue, they owe me money and they wont refund it/credit my account as they say they have no record of the transfer. I paid again by debit card as I needed to get my phone back online. I pay by DD normaly, but this situation arose as i didnt have funds a few months ago so I first settled the balance by bank transfer, then got cut off, and had to pay again to resume service. So im basically about £40 out of pocket.

Thanks for the reply, Ive already paid them twice, as they say they have no record of the first payment (by online transfer) so i called them up and had to pay again by debit card to get my phone re-activated ( they were very quick to disconnect me despite my assurance the bill was paid). They then informed me they dont accept payment by bank transfer, even though I have an email from them with thier bank details to allow me to transfer funds for this purpose. I have given them all details of the transfer, date, scans of my bank statement etc. and they appear to be saying they cannot locate the money so basicly they cant help... I stupidly didnt put a reference number on the transfer, but then they did not advise me to either in thier instructions. I have a string of emails as this has been going back and forth for about 2 months now, all fully documented, and I have emailed them a LBA stating that I will recover the money through court if they dont refund it, the deadline expires on the 12th August. They just keep asking me the same or irellevent questions over and over again. Thanks for any advice.

Hi all, I'm In a bit of a dilema, my dd bounced for my mobile contract, So I called them up and advised I could settle by bank transfer. they emailed me the details and I paid, plus la late payment fee. Two days later my phone Is cut off. I call them again and they say thet have not received the payment. I paid ahain via debit card over the phone. Now they are saying they cant locate the payment and I will have to peruse my bank to get the money back. Now my bank, for a change, has not done anything wrong here. I lba'd cpw over a month a go and they are still giving me the run around. I have extensive email history with cpw regarding this Issue, scans of bank statements sent to them etc. My question is, to I now approach the bank who may not be keen to help, and prolong this further, with their process, or should I simply file a claim against cpw? I just want my money and I have cpw banged to rights. Any advice appreciated.

Bitty! lol! Urinating is a big part of my life, but I do not expect other people to take interest in my amazing natural ability. In fact I belive I can be put on the sex offenders register if I demonstrate my bodily functions in public. It's not a big acheivment, its just part of life, part that most people really don't care to see.

Are you saying that law is an opinion rather than a consensus?

I've Just spoken to (Halifax) County Court, they say they have had nothing news wise yet and my case is still stayed. (phew) No strike out application from the bank and no orders from the Judge. The lady said if the bank goes for a strike out, I will have chance to object - she seemed to be aware of the possible POC amendment and the Supreme courts 'suggestions'. She did say she couldn't advise what my options would be if the Judge decided to strike me out, but surely I would have to be notified so I could object/appeal...? I asked if the the case had been resolved (as in the terms of my stayed case) and she said no. I'm not sure wweather she was refering to the test case or my individual case. Bear in mind my notice of stay simply states 'until final resoloution of the test case' I would advise anyone with a stayed case to ring the court, especially those with limited days, to get some clarity. Keep the faith people!!

You would think so, but I have a sneaking suspision that they may just start striking stuff out if they do not hear from you (if you have a time limit imposed) just to clear the caseload. Or maybe i'm being a pessimist... Any news on the amended POC templates anyone?