consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> Telecoms - mobile or fixed


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 27th December 2006, 22:39   #1 (permalink)
RussO83
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Dec 2006
Posts: 3
RussO83 Novitiate
Question o2- Billing Chaos! What Can I do?

Hey Everyone- this is my first post and my apologies if something like this is repeated elsewhere on the forums, but here goes...

I've had an o2 contract for a few years, upgrading every year, all was fine until I tried to cancel my contract and was offered 200 mins and 900 texts for £25, which was a good deal with the number of text messages I sent a month, the previous few months I had also accumulated over 2000 rollover texts, after upgrading I was hit with a bill charging me roughly £40 for texts that should have been included in my tariff, after calling them they eventually agreed that the extra 400 text bundle had not been applied properly, but that as I had sent over 900 I would still pay for some of them, I then brought up the matter of my rollover texts, which I was told didn't exist. After looking at my bill for some time while I waited on hold I was told that I did have the messages and I would have that refunded also. All well and good I thought... I paid the extra charges to save the hassle of a suspended DD, and kept an eye on my account online until I saw the credit had been applied....

On my next bill however the bill amount had jumped up another £25 from the previous months, I checked through to make sure I wasn't doing anything stupid (an important consideration on occasion),
looking closely I had sent more than the original 500 texts but less than 900 and again my rollover texts hadn't been included in the calculation- explaining the extra £25, however the original credit that had been applied had been cancelled out by an extra charge labelled "Goodwill: Misinformation" So i called again and found out that I was only meant to get 500 texts a month, and went through exactly the same procedure as before, eventually getting two credits applied. Expecting the worst I kept an eye on my bill looking for expensive texts, finding nothing I've left it alone for a couple of months...

For other reasons I ended up taking out an Orange plan for the unlimited texts and more minutes and cut back to using the o2 phone for people I didn't want to have knowing my new number- and didn't go over any of my inclusives and found my bill at £30 rathe than £25, not a great deal I know, I had and look and the £5 discount that was being applied up until the 2 credits were applied has suddenly reversed and is now adding on to my line rental.

It's a 12 month contract i've entered into, i'm now just into month 6 and I've had a billing problem every month so far, is there anything I can do?
RussO83 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 27th December 2006, 22:59   #2 (permalink)
callumsgran
Platinum Account Customer
 
callumsgran's Avatar
Default Re: o2- Billing Chaos! What Can I do?

Send them a Subject Access Request for all your details and see what it says when it comes, you should have signed an agreement when you took out your new contract if the terms were going to be different
callumsgran is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 27th December 2006, 23:13   #3 (permalink)
RussO83
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Dec 2006
Posts: 3
RussO83 Novitiate
Default Re: o2- Billing Chaos! What Can I do?

Hi, thanks for your reply, as I am on o2 online there was never an original signature to start the contract, the same with upgrades, I have access to all my bills since it I started that number available to me, is it still worth getting an S.A.R? Do I have to pay for such a thing?
RussO83 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 27th December 2006, 23:26   #4 (permalink)
callumsgran
Platinum Account Customer
 
callumsgran's Avatar
Default Re: o2- Billing Chaos! What Can I do?

I'm sure they would've sent you a contract to sign, as you entered into a credit agreement with them i'm sure they should've.
What were you paying before the new terms, are you paying an extra £25 pm for the extra texts?
to be honest i dont see why you needed them as you had so many rolled over
callumsgran is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 27th December 2006, 23:31   #5 (permalink)
RussO83
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Dec 2006
Posts: 3
RussO83 Novitiate
Default Re: o2- Billing Chaos! What Can I do?

No the £25 is for 200 minutes and 900 texts, not as an extra bundle

I'd only earnt the rollover due to friends coming (and going) home from Uni as well as splitting up with my GF who I'd texted a lot

It was some years ago I entered the first contract but upgrades have never required a signature on the contract, I'm fairly sure all calls are recorded to prevent any misunderstandings.... though that could have just been third party dealers... I forget
RussO83 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 27th December 2006, 23:55   #6 (permalink)
callumsgran
Platinum Account Customer
 
callumsgran's Avatar
Default Re: o2- Billing Chaos! What Can I do?

It may be worth you doing an Subject Access Request it'll cost you £10 but could save you a fortune, good luck!
callumsgran is online now  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 28th December 2006, 21:15   #7 (permalink)
buzby
Platinum Account Customer
 
buzby's Avatar
Default Re: o2- Billing Chaos! What Can I do?

Quote:
Originally Posted by cillitbanger View Post
I'm sure they would've sent you a contract to sign, as you entered into a credit agreement with them i'm sure they should've.
No they wouldn't. (1) A Mobile phone contract is for service, it is not a credit contract and they never have been at any time, therefore there is no need for them to be regulated under the Act. (2) A physical contract in not a necessity these days, just a courtesy. Many signing up over the web agree to a specimen contract, and use of the phone and subsequent payments are taken as your formal acceptance.
buzby is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
Telewest Billing jan2002 Telecoms - mobile or fixed 10 26th April 2008 03:32
County courts system 'in chaos' Karnevil Bank Charges and the Finance Industry in the media... 1 13th February 2007 12:44
County courts in chaos podgydad General 0 13th February 2007 09:41
British gas billing enq MARTIN3030 Other Stores 2 26th May 2006 16:29




Do your Internet search here:

The Consumer Action Group and The Bank Action Group are registered trademarks
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road, London, NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.