NO Dotty don't refer to any litigation within your section 78 request.Your name and address and Sharkley Account number is all that is needed. Regards Andy

I am very relieved for you. Hopefully you can fly away without any worries. I will mark this thread as resolved and place a link in the successes thread Any chance of an update to what VF have done?

Hi As Bang says there is a VF rep on CAG Another method to get Lee involved is as follows....

There's a VF rep on the site called Lee - hopefully he should catch this as yet another issue. If you search on vodafone you will see his posts and can PM him to hasten things.

It will get sorted!!!

It's always worth putting in jack. The worst they can say is no. Which then leads them directly into a breach of the OFT regulations on debt collection procedures

Ok send this to their compliance manager. Dear Sir or Madam, I refer to your e-mail received on xxxxx regarding setting up a payment plan the contence of which is utter nonsense, as you are well aware you are not entitled to any such information which can only be produced by order of a judge. I have stated clearly what I can afford to pay and that is my final offer. Please forward to me your banking details so I can setup a standing order to pay the amount offered. I am unable to make payments by debit card or direct debit due to the probable risk that these methods of payment may be abused.

He needs to go to the bank and get it disputed. Then if the bank or money shop refuses to refund it, go to the local police and report it as theft. Get a crime number and the bank will be forced to refund the money. Since it is money that the government gave you, it should be relatively straight forward to get it back.

Remember estoppel can only be used as a defence so let them take you to court but don't tell them that you know about it until they do......

the data controller SAR requests HFC Bank Limited Registered Office: Camden House West,The Parade, Birmingham B1 3PY

Hi Makka I decided to give MBNA time to reply b4 starting a claim - just to avoid the time and money really. Ive submitted my claim this week after they refused to pay my charges back further than 6 years. They agreed to pay from 2005 onwards after I sent a letter that someone advised me to do from here. I thinks its still on my thread if you need it at any time. the main thing is dont give up, especially as they offered a puny amount at first, then because of sending that letter from this forum, they offered a lot more. Although it still isnt enough, it just goes to show hoe wonderful this site if for its advice and guidance through the

On the AQ there is a box to tick to go for mediation, telephone appointments are not stressful. The mediator will phone you and explain what will happen, the they phone the claimant who then put their side of the story, which the mediator the relates to you, you the have your say and so on reach an agreement a consent order is made and sealed by the court a Tomlin order is then made stating how the debt is to be paid and over how long. You set up a standing order to pay the debt and as long as you keep up the payment that't the last you will here of it until they tell the debt is settled. The order is bindin

The important bit for standard broadband is this Another option for you would be fibre optic broadband. Although they are not selling any as AOL branded, TalkTalk do a fibre optic broadband service which is up to 40 meg broadband. Maybe they could sort you an upgrade for your troubles? See if the CEO's office can offer any assistance to you.