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:-
Come and chat with us here (NB: External site NOT affiliated with CAG)

  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 19th June 2007, 05:18   #1 (permalink)
blanchie14c
Basic Account Customer
Default More 3G madness - but this time I'm having em!

Right, a bit long winded but here we go.
Had myself a nice phone and the offer at the time was - 'buy one get one free', cool! one for OH. No problems what-so-ever with the life of the contract. Decided though after 18 months (contract term) that we'd have a change. Okay, check T&C and its 30 days written notice. No problem! Written notice sent recorded (Well I am a CAGGER!)
The final bills came, well over the average but no call / text breakdown that we've been having for the last 18 mths. I wrote and questioned it. Nothing! Wrote again - nothing! Then a DCA (Hello Mr Moorcroft x) letter arrived that stated I owed them 100 odd quids? So yet another letter off to 3G this time a reply! "The amount outstanding is because you have not cancelled your contract with one of the phones." EH? I want a proper breakdown of the last month of my bills, I get this? are they mad!
So enjoyed writing the next letter as this time I enclosed copies of the 2 cancellation letters, copies of the 2 recorded delivery slips and print outs from the post office track and trace site. I thought I'd be getting a letter of apology in return but NO!

"Thank you for your letter, however, being as you didn't cancel your contract, you owe us this money."

Right, I'm not playing anymore.
My next course of action that I'm considering is a letter before action. Now I know a mobile contract isn't a credit agreement but I'm thinking along the lines of:
  • I cancelled my contract and can prove it, when the contract ended so did my consent for you to process my data. You have breeched this by passing my details to a DCA.
  • I cancelled my contract and can prove it, when the contract ended so did my consent for you to process my data. You have breeched this by continuing to report to my credit file.
So, does anyone think i should ask for damages / costs for the stess / letter writing and being 'bad mouthed' to the credit reference agencies / DCA. If so how do you quantify the level? Even a small amount would help as I'd be able to go though MCOL - then again, 3G are based in Glasgow so Scottish law? :o
Mmmmmmmm I need to move forward with this but a bit unsure at this stage - I know I've got them, but how exactly to enforce?
Its bloody annoying as I was proud of the phones when I walked out of that shop as it was the first credit I'd been granted in years, I'd cleaned myself up and got the phones - now look at the mess!
The easiest solution is to pay up now before they default me but why should I? It isn't in the CAG spirit to roll over to these incompetent bullies.

Look forward to suggestions, thankyou all.
__________________
Halifax
Beaten twice!
Aktiv capital default
Removed!
Thames Credit default
Removed!
Barclaycard Default
Removed!
Welcome Finance PPI
Paid in full after LBA
Ex-wifes Barclays
Beaten!
blanchie14c is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th June 2007, 11:18   #2 (permalink)
snu
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2007
Posts: 92
snu Novitiate
Default Re: More 3G madness - but this time I'm having em!

The company is 3, not 3G. 3G is a mobile phone technology which all the networks have

I don't think you can claim that they have breached the Data Protection Act, you can't withdraw consent just like that - they have to keep some personal data about you after your contract has ended for various purposes.
snu is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th June 2007, 11:58   #3 (permalink)
buzby
Platinum Account Customer
 
buzby's Avatar
Default Re: More 3G madness - but this time I'm having em!

Only the call centre is in Glasgow - the Registered Office is in England, so where you live (as this is a consumer issue) will determine the jurisdiction. As for damages/stress - no you'll not have a hope, as incompetence is allowed by the courts as a legitimate excuse. However, you can certainly ask 3UK for reasonable compensation for your time and effort in resolving the matter informally.
buzby is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th June 2007, 20:38   #4 (permalink)
blanchie14c
Basic Account Customer
Default Re: More 3G madness - but this time I'm having em!

Thanks buzby, do you know of the England HQ, maybe a full and detailed complaint to them might resolve things?
I find it incredible that I cancel the contract in line with the T&C, but even after the expiry date of the contract they are still allowed to process data? surly this can't be correct, thats what the Data Protection Act is for - to protect us from such like?
blanchie14c is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th June 2007, 20:41   #5 (permalink)
blanchie14c
Basic Account Customer
Default Re: More 3G madness - but this time I'm having em!

Quote:
Originally Posted by snu View Post
The company is 3, not 3G. 3G is a mobile phone technology which all the networks have

I don't think you can claim that they have breached the Data Protection Act, you can't withdraw consent just like that - they have to keep some personal data about you after your contract has ended for various purposes.
I can with draw my consent- the consent is contained within the contract, by cancelling the contract cancels the permission. Or is that credit agreements....
blanchie14c is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th June 2007, 20:48   #6 (permalink)
snu
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2007
Posts: 92
snu Novitiate
Default Re: More 3G madness - but this time I'm having em!

You expect them to suddenly remove all records of any dealings you ever had with them? That's ridiculously unreasonable. They're required to keep records for many years for tax purposes, for example. It'd be like requiring you to burn all your bills as soon as your contract is up.
snu is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th June 2007, 20:52   #7 (permalink)
buzby
Platinum Account Customer
 
buzby's Avatar
Default Re: More 3G madness - but this time I'm having em!

Glasgow is where all the work is done (if you exclude the hired hands in Bombay). Their Home Counties presence is being run down, so Scotland is your best bet (123 St Vincent Street, G2). You're not cancelling the contract, you are ending it, and whilst the information does not 'disappear' they are allowed to retain it. Once your contract ceases, their right to process the data further ends - so they'll not be updating a CRA a new data, but that's really all the Data Protection Act provides, not much else.
buzby is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 19th June 2007, 23:23   #8 (permalink)
blanchie14c
Basic Account Customer
Default Re: More 3G madness - but this time I'm having em!

Yes I understand that the records have to be kept for audit purposes etc, but when the contract has ended they shouldn't be processing the data they have on file should they? Thats what they are doing however. If contract ends on day - X, which was 30 days after I supplied them with written notice. (The phones were never used again after this date either) They sent the final bill, and I dispute it. Not only do they fail to explain the high level of the bill when requested (in writing) They claim that I never cancelled in the first place, pass my details to a DCA who are now sending threatening letters, and they have been reporting to my credit file as being late in paying!
Now if I had not cancelled, as they claim, they'd be perfectly correct in their actions. However, I did cancel, they got the letter, I proved this at a later date yet they still say I never cancelled!
How on earth am I supposed to get through to these idiots?

Also, the company is called Hutchinson 3G, and yes the data packet technology used in modern moblies is also called 3G, but thanks for pointing that out, other readers may not have been aware.
blanchie14c is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 20th June 2007, 10:27   #9 (permalink)
buzby
Platinum Account Customer
 
buzby's Avatar
Default Re: More 3G madness - but this time I'm having em!

Quote:
Originally Posted by blanchie14c View Post
Yes I understand that the records have to be kept for audit purposes etc, but when the contract has ended they shouldn't be processing the data they have on file should they?
You seem to think that 'processing' means something different than the rest of us. If you end your contract and matters will be concluded, the processing will stop as you suggest. However, they clearly have no knowledge of your request (whether they agree to it is a different issue) and they will not cease administering your data until the contract has been concluded with any and all debts paid. As they believe there is money outstanding then they are perfectly entitled to pursue you until you pay up, and pass your details to third parties to effect full recovery.

Moving on to the name and technology, you're still wrong on these points. They are not 'Hutchinson 3G', and since every other UK network HAS 3G, referring to them as '3G' is hardly helpful. Next 'data packet technology used in modern mobiles is 3G' ? What? I have several modern mobile phones that use GPRS (the packet transmission system you refer to), and none operate on 3G. Third Generation mobile is a descriptor for phones working on the UMTS band (when cellular started it was at 900MHz, Orange and One2One arrived using digital 1800Mhz, and Vodafone and Cellnet upgraded to digital at 900Mhz - the digital services were all 2nd Generation (2G) and called GSM. The arrival of GPRS packet data heralded 2.5G, and the launch of the UKs first public UMTS 3G service took place on 3rd March 2003 (03/03/03))!
__________________
- Raymond
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
Capquest Madness! KJBoutcher General Debt Issues 22 31st December 2007 13:59
Wheelie bin madness Kizan General Consumer Issues 32 7th February 2007 01:12
Where will the madness end???!?!?! Monoloco HSBC Bank 2 6th February 2007 15:57
Halifax Madness talk2megoose Welcome to the Consumer Forums 3 22nd November 2006 00:55
Madness trickypickle Halifax Bank and Bank of Scotland 0 13th September 2006 21:21




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.