I have to ask why. The only reason for going with a contract is to get a subsidised handset, which you'll be paying for over the next 18 months whilst committing to their service. For the last 7 years I have bought my (new) handsets on eBay, and used PAYG SIMS with deals that actually worked out better than deals with notional 'inclusive' minutes. Since 80% of users don't even make a dent in their inclusive minutes allocation, this is a very lucrative ploy for networks that is now being seen for the bad value it really is.

No, there is nothing at all to stop you making a complaint and asking for a refund for misdiagnosis. They may offer you a service instead or something material rather than cash, but you usually come off better than if it was a cash refund. They obviousl didn't check the bearings out properly as it is easy to decide if a bearing has gone or not. But as you complained of a noise and that noise is still there, you should ask for a full refund and see what they say. They obviously didn't take it for a test drive afterwards.

Atchoo! Atchoo! Atchoo!....Haven't felt right ever since my two weeks in Mexico:D cymruambyth, if your wanting a quick definite answer, I would ring the National Debtline as they are bound to have come across this before, if not they will know a man who can! I rang them seeking an answer to another matter, and as the first woman didn't know the in's and out's of the subject, rather than give me duff info, she found out there and then for me:D National Debtline England & Wales, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000

If CCA1edit.doc are parts of the same document then it would be deemed enforceable, however why would they print the prescribed terms on the reverse of the agreement & only use a quarter of the available space?

Welcome Finance Finally accepted our claim for misselling PPI....... Their final response. Sent me your email address if u want copy

Technically the court could set it aside under Part 3 http://www.justice.gov.uk/civil/procrules_fin/contents/parts/part03.htm PART 15 - DEFENCE AND REPLY - Ministry of Justice Personally I'd still lodge an N244 to apply to set it aside

Thank you so much for this.... This case is dreadful and has highlighted huge areas of concern with the manner in which complaints concerning a High Court Enforcement Officer are dealt with and the complexity of High Court Enforcement in general. The battle continues..

Just one other thing. If the cost of repairs are exceptionally high, the seller can offer you either a replacement or a refund, you cannot demand a repair. Just confirm that is is a proper dealer. You should do all future correspondence in writing. You are correct that the term 'sold as seen' and 'trade sale' has no meaning in law. As you are not a trader, then you have entered into a consumer contract and not a commercial one so you have the sale of goods regulations on your side. Any refusal by the seller should be given one more chance by sending him a copy of the estimate, (it will only be an estimate and not a quote a

It's not a course of action I'd take. If you have sent a prelim that has been ignored and they ignore your LBA, the people who need to notice will surely get the message when they receive an N1 stamped by your local court

What he believes is not relevant - it is what he can prove that matters. He needs to be reminded that if you go to an ET, his 'evidence' will need to stand scrutiny in that forum. Was this statement witnessed? You friend could find himself in deep trouble if this is found out. And the letter cannot be issued to you without a proper disciplinary process being gone through first. They are wrong. I suspect that your manager believes that he only needs to count your full-time employment, For the moment, you do absolutely nothing but continue to work as normal. From your post, all you have seen is this letter on a PC;

Hi Spamalot stick to your guns, call them and demand the money to be returned, we went £1.44 over drawn and was charge £35.00 madness, we chased and chased and Lloyds credited the funds the following month. don`t give up it takes time cheers

Have Mint previously sent you a Default Notice & Termination Notice? If so can you scan them, remove personal details & post them up? I'm going to ask a member of the site team to move this thread to the legal forum where it should get some specialized attention.

well how about another tack then. SAR them, reclaim the charges + int + 8% stat. in the meantime, armed with your statements, you should be able to calculate if [with the charges removed] you were not over your limit. when they have coughed and repaid the charges, if you were not over the limit, surely then by their own admission [by paying back the charges] they were at fault and should remove the default from your file. that way you have them! thats the way it used to work & cap1 did that for me in 2007. dx

If resonate sends the letter in the link provided he may not need to pay if Nat West agree to the POC being changed. As the application to amend is unlikely to fail, there is little point to them objecting to the amendment IMHO, unless they wish to appear obstructive to the court.

hiya, she better off calling phonebank(08453000000) then all she needs to do is simply tell the advisor that she never had any charges previous on her acc and shes had a letter to say that she will be charged on 03/08/09 and she wants them waiverered....the advisor will check the acc and will then put a waiver on there for her, makesure they give her a ref no. then just keep ahold of this untill shes had the aug statement just to make sure it was put through correctly and doesnt go out the acc, if for any reason it does still go out get striaght on the phone with that ref no. again if you need anything else just give me yell.

Sorry guys...........yes, I am still alive.....this is ongoing and I can't say too much right now....but the battle continues. I will post again when I can!!

Yes it is the garage that caused it. Can you prove that it was not like that when you took it in? Go to another garage and get a quote for puting it right and then tell the MoT garage that if they don't put it right, you will take it to another garage to be fixed and bill them. Say that failure to either fix it at their expense or pay the bill will result in court action. Don't do this on the phone, do it by recorded letter and don't send them a copy of the quote, just the price you have been quoted.

The payments should automatically stop by your employer as you are below the threshold Appendix 1: Deductions from weekly earnings from 6 April 2008 Net earnings Deductions Not exceeding £85 Nil Exceeding £85 but not exceeding £125 £4 Exceeding £125 but not exceeding £135 £6 Exceeding £135 but not exceeding £145 £9 Exceeding £145 but not exceeding £160 £13 Exceeding £160 but not exceeding £175 £15 Exceeding £175 but not exceeding £190 £19 Exceeding £190 but not exceeding £210 £22

The Mr and Mrs mix up is not relevant and will not help you or hinder them. Don't be distracted by it. Send me the email with a phone number if you can. Ta

They are busy I got mine on Friday! Heres my thread http://www.consumeractiongroup.co.uk/forum/nationwide/205426-nationwide-carolan78-2.html I have acknowledge the papers denying the debt and intend to fight it as all debt on my acoount is charges (I only had a basic flex accoutn that couldn't go overdrawn supposidly). If you have all your statements work out all the charges and interest on those charges you have ever had on the account, fight them and counter claim for the charges back. If you can't work it out and need statements send off a subject access reqest today (make sure it is special delivery) it will cost you £10, this t