I've heard of people over on MSE forums being rejected for the foundation account, then being accepted by Santander so there's no guarantee that you'll get a foundation account. I summed up what I learned in the post -Opening a business bank account with bad credit history or no credit score.

I used the speedtest.net app to test the speed. I can now get up to 6Mb downstream and just over 2Mb upstream. To the last poster - That ASA forced T-mobile to remove their unlimited ads, stating that there misleading. With that in mind, you might be able to argue that it was the ad that led you into the contract. A misrepresentation is remedied by the act of rescission. Of course, you could only claim this, it you are on an unlimited data contract, and signed up either online, or in store where the ads were present. It does clearly state in the terms that tethering and video calling is excluded. I think mobile firms see these as ways to make an extra buck. 3 are doing the right thing by allowing tethering on their all you can eat plans.

Well, after receiving my reply, T-mobile made me an offer in full and final settlement. I replied (without prejudice), but have now accepted their offer, and will not take my complaint any further. Basically, they say they added a booster to my account, that this remain on the account for the duration of my contract at no extra charge. I am now able to get speeds of 4Mbps, and even saw 5Mbps in one my tests. Upload speeds are over 1Mbps, which is faster than both my home and office broadband connections. I'm curious as to which booster they added though as regular web and walk+ is limited to 2Mbps.

I have offered T-mobile both options. a) Remove my speed cap Or b) Set aside the contract. A misrepresentation would allow the remedy of rescission (in which case, i'd hand the phone back) I don't want to go to CISAS particularly, but thought that the court might look unfavorably on me if i didn't go their first, and T-mobile's lawyers would certainly be asking the court why didn't I go to CISAS. I agree with you, but i'm not sure I can argue in court that I CISAS are untrustworthy. As this is a matter of contract law (and not a simple telecom dispute), I suppose I could argue that it is a matter for the courts and not CISAS. It's tricky one.

Yeah, i've tried it in a ZTE blade. Also i've been next to various masts around and out of my city. There's no difference. The executive office told me that the 'Truly Unlimited' package is limited to 1Mbps. To get 2Mbps, i'd have to give up my 'no fair use policy' and pay an extra £5 a month. Thant's just not on. The ASA have told T-mobile to pull their ads, as they fell short of 'Truly unlimited'. Since it was those (now banned ads) that induced me into the contract, I feel I have a case.

Got the following reply: I think she missed the point. I want unrestricted speeds. i.e no artificial speed cap like I can get on all other networks. I have now requested a CISAS reference number so that I might take this further.

Well i've been in e-mail and telephone conversations with the executive office, so i'm not sure how that fits in with their complaints procedure, at all. I have stated my case to them and it has been passed to their legal department. I have asked for truly unlimited internet i.e no FUP, no speed restrictions etc.. or that they terminate my contract with no penalty fees. My next step is a LBA, then court I think. I believe my claim is strong, since in the t&c i signed up to, there was no mention of restricted speeds, or 3G (which is limited to 0.35Mbps). I was therefore right to believe that I would get full HSDPA speeds, as i would on any other network. It's only in the 'fair use policy' they list 3G speeds. My plan has no 'fair use policy'

I signed up with T-mobile on 7th July to take advantage of their "Truly Unlimited" offer. This was a £25.54 per month contract for what was described in the terms and conditions as truly unlimited internet with no fair use policy. Upon receiving my phone I discovered that my data speed was limited to 0.35Mbps. A quick internet search revealed that this was a common problem with T-mobile. I checked the terms and conditions of the contract to ensure that there was no talk of 3G only (i.e not HSDPA) or talk of speed restrictions. There wasn't. I called T-mobile and told them about my problem, yet they maintain that all was fine with my account. Eventually after a week, 6 phone calls, two e-mails and 10 twitter messages, they turned on "Web n Walk+" immediately my data rate shot up to 1.8Mbps (T-mobile restrict W&W+ to 2Mbps) I was happy with this as it meant the data rate was fast enough for everything I wanted to do with the phone. However a month later I was charged £5 for this service. I complained and got the charge removed and my line rental paid for that month as gesture of goodwill. I then went on holiday and my return discovered that my data speed was limited to 0.04Mbps. I complained again, engaged in a 20+ message twitter conversation and emailed the executive office. After which my speed increased to 0.9Mbps, I was told that there were mast problems in my area, hence why it was lower than it had been previously. To test this I left my area and visited a T-mobile mast 20miles away, yet suffered the same speed. I again spoke with the executive office and submitted a raft of speed data evidence, in addition to evidence from other t-mobile users who were getting better speeds. The executive office have no come back and basically said, my speed is restricted to 1Mbps unless I give up my 'unlimited' internet and accept a 500mb fair use policy, as well as pay £5 for a booster. Obviously I refused. I believe that 'truly unlimited' was a mis-represented. It is not 'unlimited' as there is a limit on my speed. Also no other mobile operator caps data speed as far as i've found out, and finally, these speed caps are omitted from the terms. I have written to them via e-mail and my e-mail have been past their legal team, so i'll wait for their reply, but it looks like this could be going further. It seems the ASA agree with my that "truly unlimited" was mis-leading: http://www.digitalspy.co.uk/tech/news/a343960/t-mobile-banned-from-making-truly-unlimited-internet-claim.html

When they called me at work and i initially said ok to the £35 a month agreement, they said they would stop all charges. A month later when i couldn't pay thats when they added the extra £100 They also said that unless i came to an agreement the charges would carry on as they are unable to close the account

I used to bank with Alliance and Leicester and had a £100 overdraft facility. I was extremely ill during February which resulted in my having a number of days off work. Losing £400 of income put me on the back foot. On the 10th May i went over this limit by £1.25 On the 25th May they applied a £25 fee for exceeding the overdraft limit for 5 days. On the 29th May they applied a £5 fee (16x£0.50 max cap £5) On 8th June they applied a £95 fee for my exceeding the overdraft (19 days at £5 per day) In April i had moved house and bank and had forgotten about this account. In July they contacted me and I felt pressured into agreeing £35 per month towards this debt. That however was more than i could afford to pay out each month, meaning the £35 was my only payment to them. I was contacted recently and told that they have added another £100 to the debt in the form of charges. So the debt is now over £300 To get the woman off the phone i agreed to pay £15 per month from now on. Obviously i was in the wrong, but is there any comeback here, on this? I'm not sure it's fair to charge so much for just being £1.25 over my limit.

I am going to write to Abbey tomorrow asking them for more details about the offer i.e is it completely separate and in addition to the previous £370 applied to my account, and how the sum would be paid e.g by cheque or transfer to an account of my choosing. Does anyone have any advice?

Like everyone else my claim was stayed. I recently applied to push it through due to hardship. I have now received a letter from Abbey offering 65% £395 of my £600+ claim. It was higher but they previously paid £370 (of £900) as part settlement. Like everyone I could really use the money should i reject this am i likey to have to wait another year to get this resolved?

I plan on asking Abby to proceed further with my case due to financial hardship - I am currently claiming JSA. I have had a look at the Hardship speadsheet in the templates library but it doesn't really work for me. In the section where you are suppose to put credit debts the notes say to only put the value and not any repayments. Well I have to pay Natwest £48 each month on my overdraft of £2088 and have to pay Barclaycard at least £10 as i'm over my limit there too. However their is nowhere to list these payments on the form.

Hi thanks for that. What evidence did you provide of hardship? I am currently claiming JSA is the award letter enough? I'd rather not give them statements from my creditcard and other bank overdrafts if possible. Do you have a draft letter?

Still haven't done anything on this as i'm unsure of what action to take. As I said I owe Abbey £1500 since they closed my overdraft. They currently owe me £580 in charges. If I persue the claim is it likely that they will just keep the £580 and take from the money I owe them? Of course if it wasn't for the bank charges I would still have my overdraft facility and so wouldn't owe them that sum.