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Trixiewillis

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  1. Thanks for the reply. I'm going to write to Orange today and attempt to get a refund of the charges my bank will make. I've written to the bank already asking for some leniency and explaining the situation to them - as we were only £4 overdrawn and just for 1 day as I'm paid today and as it was due to a DD error, I'm hoping they might waive some / all of the charges, but we'll see! We opted for the direct debit option to save money (so we could avoid the non-DD charge). So far it's cost us far more than the charge would have done, so maybe you're right and we should go back to paying the bill the 'traditional' way!
  2. Just wanted to update on what happened in the end with MBNA (would have posted sooner, but a new baby has been taking up most of my time!!) The FSO negotiated between myself and MBNA and an agreement was finally reached where MBNA would refund me just under £100 worth of unfair charges, write off my credit card balance (which was almost all charges from them) and close my account. It took a few months to resolve and a little pushing from me to get the FSO to pursue them for charges. Even after an agreement had been reached, MBNA still sent me threatening letters about the outstanding debt. Just wanted people to know, it's worth pursuing as people like MBNA will push you around if they think they can get away with it!
  3. I've also just realised that for 9 months now, they've been charging us two non-direct debit charges - 1 per phone, on the same account (amounting to around £7 per month). Am I right in thinking that we should be able to reclaim 1 of those charges per month from Orange as well? Any help would be very gratefully received!!
  4. Hi all Apologies if I'm starting a new thread when one already exists on this, I did check the first 10 or so pages and couldn't see anything relating to my problem, so am starting a new one!! Orange billed me incorrectly on my last bill for 2 x Non-Direct Debit charges (amounting to around £7), despite the fact that I'd set up direct debit payment (this was the first month I'd done that) and they were going to take the money by DD. I called them on 15th November to tell them about the error. After some initial disputing from them, they agreed the charge shouldn't have been made, but said there was only 1 Non-DD charge, not 2. I figured I must have read my bill wrong and left it at that. On checking my bill again, I discovered I was right and so called them back on 17th November, spoke to a very helpful guy, explained that there should have been another credit for the 2nd Non-DD charge, he agreed and said it was "all sorted". When I checked my bank account today, I found that they'd taken the full direct debit amount. The upshot of this was that a subsequent DD that came out today, the day before my pay day, had taken me £4 overdrawn and my bank had returned the DD (we don't usually sail this close to the wind with our bank account, but this month I'd worked it out almost to the penny as we had a lot of expense!). I'll now be charged by my bank for going overdrawn, for the returned DD and no doubt charged by the company whose DD 'bounced'. If Orange had charged me correctly, as I assumed they would after me highlighting the error, my account would not have gone overdrawn and so I feel Orange should compensate me for the charges. I spoke to Orange today and they couldn't care less, they said the credit would appear on next month's bill. I've asked for a supervisor to call me back (I wanted to speak to one there and then, but 'none were available'). Has anyone else had this problem with them and did you manage to get bank / third party charges refunded? Thanks Lisa
  5. Thanks dx, that's useful to know. Can you direct me to a thread / info on how I could reclaim those charges? Cheers TW
  6. Hi all I have an on-going dispute with MBNA, which I've referred to the Financial Services Ombudsman. I'll scan some paperwork and upload it later as I'd like opinions on whether it's worth the fight (I'm over 8 months pregnant and am finding the stress of dealing with it all a bit much to cope with!!) However, in the meantime, I wondered if someone could give me a quick answer to this: Despite the account being in dispute and I've used those very words with MBNA and informed them I'm passing the matter to the Financial Services Ombudsman, they're still adding late payment and interest charges to the balance every month. Are they allowed to do that? Given that the FSO say it can take 6-9 months for them to resolve an issue, I could end up owing a small fortune at the end of all this if they don't come down on my side!! Thanks, Trixiewillis
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