Hi silverfox 1961 I took out a 12month contract which is ending in a months time. I was giving them 30days notice that I would not be renewing the contract. I was not cancelling midway during a contract, the contract is ending.

Thanks for the responses above. I am moving from the Uk and am unable to take up their service. I would have thought the end of contract cancellation charge should have been advised when I took out the contract with them. If I have to pay to cancel I will send in a complaint as "Blondmusic" did

I am approaching the end of my 12 month contract with Plusnet Broadband Service. I wrote to Plusnet to let them know I did not wish to renew the contact for another 12 months they have e mailed to say there is a £30 cancellation charge to disconnect the Broadband Service. I cannot find any reference to this charge in their Residential Terms and Conditions. Can anyone advise if this £30 charge is legitimate or are they just trying it on.

Thanks for the replies Lookingforjustice, I have forwarded your detailed response to the young lady who is going with her mother to meet her Manager and HR officer at 4.30pm. The meeting will take place at Starbucks and I let you know the outcome later. Thanks loring

Hi My friends daughter has been off work for two extended occasions in the past year, she suffers with ME or something similar. She has been under investigations with the hospital and her GP. Whilst she has been off work she has always supplied her employer with sickness certificates. Today she has had a letter from her employer saying her manager and the HR department wish to visit her at home to put a work plan in place. Is this a usual course of action. The young lady is thinking this is some sort of attempt to intimidate her into resigning her job or perhaps they wish to pay her off. Does she have to let them visit her at home, can they not wait until she returns to work to put a plan in place. I would appreciate any views on this matter. Thank you loring

Hi I intend to move to an Assured Tenancy accommodation at the end of September. The new letting agent has had references form my 2 previous landlords and a personal reference as well. My previous landlords have confirmed that I left them with no arrears.the rent was always paid in full and on time etc. The new landlord now wants a financial reference and has requested me to provide him with full copies of my last 3 bank statements showing all monies paid into and out of my account along with details of where monies came from and where payments went out to. I feel this over intrusive and have offered to provide the summary sheets of my statements which show the total monies into and out of the account but he says he wants all the detail of the payments. I am not happy about having to do this although I have nothing to hide. Should I ask him to obtain a financial reference directly from my bank. I am not sure where I stand on this issue, can anyone offer any ideas on how to handle this. Thanks loring

This company do a lot of work in the London area collecting debts on behalf of Veolia Water who used to be Thee Valleys Water.

Hi Buzby I only purchased a SIM card from Carphone Warehouse for £4.99. There was no contract with it, when your credit was down to about £1.00 they would text you and tell you you needed more credit. You would take the SIM card to the shop, give them £10.00 and they would add the credit to SIM. There was no paperwork, later it was possible to add the credit online.There was nothing to question. I had no problem with the service and stopped using it in 2004. It was July 2009 when I found out they put a default on my credit file in September 2005. They never told me. loring

Hi I am not sure if I have posted in the correct section of the forum. if not I would be thankful if someone move it to the correct place. I am looking for some guidance as to how I should handle this untruthful bunch. I wii explain the storey so it will be a bit long winded. In 2001 I bought a Fresh Mobile Sim Card costing £4.99 from Carphone Warehouse for a " pay as you go" phone which I already owned, just go in the shop or go online to top it up. In 2004 I stopped using it, and got a monthly contract phone from T Mobile. Carphone Warehouse sent me a letter claiming I had not paid my bill and I was to send them £22. I wrote back I did not owe them any money as I was using a pay as you go sim card. I heard no more from them. In July 2009 I send away for a copy of my credit file and was horrified to find that Carphone Warehouse had placed a default on my file in 2005 for a debt of £22. I have battled with them since July 2009 till July 2010 to have this default removed. At first CW claimed the alleged debt of £22 was for the monthly rental which I had not paid. They claimed that they sent me monthly statements for this account every month since 2001 and that when I stopped paying they sent me a default notice, which I did not respond to, so they had no option but to place the account in default. I wrote to them and explained that I only purchased a pay as you go sim card and there was no monthly contract to pay and I also told them I never received any statements or default notices from them. I sent an SAR but they did't respond and sent my money back. I kept at them and they have now changed their storey totally. They now claim to have discovered the account is a "fraudulent account" and removed the default in July 2010. They refuse to give me any information about this fraud which they claim was carried out under my name.They return my SAR statutory fees and won't provide any documentation. They say they are going to credit my account with a £50 voucher, but I don't have an account with them, unless It could be another fraudulent one. The story about the account being a fraudulent one is total nonsense, I know that I bought the sim card and topped it up when I needed, fraud does come into it at all, it is an attempt to cover their tracks for issuing me a default I topped up the card at one of their shops and later online using my debit card. There is absolutely no fraud involved. I have sent them another SAR and this time I will hold out for some answers. I would like to tell them what they can do with their £50 voucher but before I do, have any posters think I may have a case for getting more than a £50 voucher, after all they defaulted me when I queried the alleged debt with them. The default was on my account for 5 years and for a fairly paltry sum of £22. Who should I report this matter to and would I be entitled to any sort of compensation for their actions. I requested the ICO to investigate the matter but he wrote back basically saying that if Carphone Warehouse said the account was fraudulent then it must be as they had always found Carphone Warehouse reliable when handling data. Glad to hear any advice or views on what I can now do. I have sent them another SAR and I am waiting for a response to that. Thanks loring .

Hi Thanks for all the replies, I have spoken with this chap and asked him to dig out all his old paperwork. It appears he may have made a bit of a mistake about years ago. He was awarded DLA back then and it was for a one year period. He never reapplied again as he thought it was actually for just one year only. I think he should have reapplied immediately after the one year. His condition is getting gradually worse so he should at least receiving the same as he was back then. He may have misunderstood what they told him or they may not have explained it properly to him. I do not think he is at all capable of handling this himself, he is too weak and tired. He definitely needs help. I have told him to get another form and I will help him fill it in and get information he needs from his GP and the Hospital. I will follow his application through and hope the end result is positive. I don't think he could back claim, they will probably say it was his fault. Thanks again for all the views and advice. Loring

Thanks Rebel 11, You are right, that is the lady who most probably would have the answer. I was surprised at the response he got from the jobcentre, but maybe they are right. Reading the government website he may not fit their criteria.

Hi I am looking for advice for someone who is illi A friend aged 55 has suffered with Leukaemia for the past 5 years. He attends hospital roughly every 4 weeks,he was in receipt of incapacity benefit for about 2 years and his employer then terminated his employment as the hospital confirmed he wpuld not be able to work again. He receives a small pension and a reduced rate of incapacity benefit. He suffers from extreme tiredness/weakness and sleeps for long periods each day, has no immune system and suffers from colds/flu continuously and is permanently cold as his circulation is virtually non existent. He has to take baths several times a day to keep warm. I advised him to enquire at the Jobcenter if he was entitled to any financial assistance. He has been told he is not entitled to any DLA nor is he entitled to any cold weather payments. Can anyone advise me if it is correct he is entitled to no financial assistance. Thanks loring

Hi I have just found this thread would say that Langester is on the mark when he suspects masonic influences in court proceedings and judgements. I can briefly report on a court case in London several years back. A very senior member of a Television Broadcasting company and also a senior mason had to appear in court on a drink driving charge, his 4th in as many years. In the middle of the night the gentleman drove his luxury car straight through the window of a shop and he was so drunk he was unable to get out of the car and the car remained inside the shop until the police arrived. When he was summoned to appear in court he contacted his friend who was one of the district judges in the court he was to appear in. The judge was most helpful to his masonic friend and supplied him with the court rota showing which days the judge would be hearing cases at the court. The judge told him to reject all hearing dates until the court would give a date when the judge would be at court. The "good judge" fined his friend £150, did not ban him from driving and did not give him any points on his licence. That's how business is done, so don't be surprised at many of the judgements given in favour of bankers in these enforcement or claims cases.

Hi I hope I am in the right forum. Last April 2010 I had to move flat and was awarded Local Housing Allowance of £175 per week. In May 2010 the local Housing Allowance increased to £180 per week and has remained at that level. The local council have told me that because I applied for Housing Benefit in April my Housing benefit will remain based at the April 2009 rate through to April 2011. Can anyone confirm if this is correct as I thought my HB would be paid according to the rate in force for that month. Thanks Loring

Hi Scarlet Pimpernel Re Post 5 2 creditors cashed the statutory fee cheque and sent no information , that was over a year ago. 1 creditor sent me 6 years bank statements and nothing else. I wrote to all 3 of them a couple of days ago and advised if they did not supply all the information they hold on me including agreements, PPi details, default notices , termination notices etc I would apply to the court to obtain the information. I shall have to work out the costs of asking the courts, I might have to do one now and the rest when i have the money. Thanks Loring

I moved home in April 2010, applied for Housing Benefit. I was awarded benefit based LHA of £175 per week. On 1st May 2010 Local Housing Allowance was increased to £180 per week and I have been told my award for the 12 months from April 2010 will be based on the £175 figure as that was the figure when I made my application. Is that correct and if so why do they issue revised LHA rates each month. Is anyone able to explain the council reasoning for keeping me on the lower rate. Thanks Loring

Hi Scarlet Pimpernel How do you go about suing OC's for failing to provide information requested in a SAR. Is it covered somewhere in the Data Protection Act. I have 3 OC's who won't send me anything but have banked thr statutory Fee. Could you please point me in the right direction Thanks Loring

Hi Thanks to all who helped with advice. The Inland Revenue have removed the CCJ and the lad has a bill of approx £200 which he can cope with Loring

Hi Thanks Elsa for your reply. It is very useful as O intend to write back to them today. Can you or any other poster explain what they mean when the write " The agreement application became the agreement once it was signed by you." I just do not understand what that is supposed to mean. The reconstituted application form they sent has no reference to any terms and conditions. Also the reconstituted application form is made up from 2 separate forms and has 2of sections 4, 5, 6 and 7. It is made from 2 different forms. I Would welcome any comments. Loring

Hi I I wrote to the bank and requested that they arrange for me to view the original copy of the agreement. It is probably about 22 years old. I received a quick response which means very little and I hope someone can tell me what they are talking about, this ia what I received " The reconstituted copy which we sent you represents a true copy of the agreement within the meaning of the Carey Decision" The 1983 regulations do not require a true copy to be a signed and dated agreement. ( I never questioned this but why do they quote the 1983 Regulations) "The Agreement application became the agreement once it was signed by you" ? " if the reconstituted agreement sent to you is incorrect please advise which aspects are causing you concern and forward any documents you are relying on" Not likely. Hope someone may know what they mean by their statements, the never confirmed I could view the originals they just ignored that Thanks Loring

Thanks postggi and Rebel11 I feel better now that you believe the Creditor has to get it right and I should not have to provide the information they were requested to produce. I also acknowledge that on the forum we all can only give our opinion on issues as we are not lawyers. I will write back to the creditor and ask him to check the reconstituted copy against the original which he holds and he should be able to spot the errors. Thanks Loring

Hi Postggi Yes I am 100% sure they don't have any agreement. The question I asked was do I have legal responsibility to tell them exactly what is wrong with their reconstituted agreement and to send supporting documentation to them. Loring

Hi I have been trying for about 2 years to get a copy of my Credit Card agreement from the Original Creditor. Recently he sent what he called a reconstituted agreement which consisted of a set of terms and conditions with no indication of what creditor they belonged to , what period they referred to and 2pages of a blank Credit Card Application forms and lots of detail about Carey v HSBC. The first application form contained hand written details of the Credit Card Number. my Bank Account Number and an address which was one I lived at 13 years after I obtained the Credit Card. The second page of the application form contained only a hand written date for application of the card. This date was incorrect, about 10 years out. I wrote back ad told them I did not think the information supplied would fulfil the requirements laid out in Carey v HSBC as the information supplied could never have been taken from the original application form. They have now written back and asked me to advise them exactly which aspects of the agreement are incorrect I think they are taking the mick, I think I have no obligation to tell them which information on the reconstituted agreement are incorrect, otherwise they will resend it corrected. They have not issued court proceedings yet. Can someone advise me if my assumptions are correct. Thanks Loring

Hi Harrassed Senior Thanks for getting back. I am having difficulties getting the attachments on this forumm I have copied them to photobucket and tried to attach them but iI cant read them. Where am I going wrong Loring

After trying for 18 months to get a CCA for a visa account from the card issuer I put the account in dispute. Within 2 weeks I received a letter and 3 attached pages claiming that as per Carey v HSBC this was my reconstituted agreement. I feel that this is not the case as I understand the information on the reconstructed agreement is taken directly from the original. I cannot find the posts which explain the case of Carey v Hsbc and would have thought it concerned the Visa Card contract not the Visa Card application form. I would appreciate if I could get some comments/views from other posters so that I can reply to the letter. My own comments are: I do not understand the last paragraph in the letter. Page 2 states it is an Application Form not the Agreement and has not got the correct address on the form when the application was made. It has an address I lived at 10 years later. Page 3 has sections 4,5,6 and 7 at the top of the page, these sections also appear on page2. Also the date at the foot of the page 01/11/81 is not the date I would made the application. The last page gives proscribed terms and other conditions and I have no idea as to which year they actually apply to Any help appreciated Loring