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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

2Grumpy

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Everything posted by 2Grumpy

  1. 2Grumpy
    And unless the alleged debt has been sold to Freds then Vodaphone is ultimately responsible for Freds actions ... Nice claim brewing here if the OP's employers get fed up with the phone calls & sack the OP or if they lose out on a future promotion because of this
  2. 2Grumpy
    Depending on what exactly happened, This might amount to assault, maybe an unlawful search etc. Primark won't be thinking of making any court action, certainly not making any use of the video footage
  3. 2Grumpy
    I suspect that is why they are telephoning the work number - in the hope that this will make the OP pay up to stop it
  4. 2Grumpy
    Some parents might decide to pay RLP without understanding the position. Some parents might even be more likely to cave in to bullying of their children! You might have to get your parents to read up on RLP when you tell them about it. Clearly Boots have a problem if they detain people who go into their stores and don't buy anything while they are there. Perhaps Boots are trying to tell people not to set foot in their stores unless they are certain that they are going to buy something and that on no account should they examine anything unless they are going to buy it (in which case the examination is pointless). Obviously examining something and thinking about returning another time to purchase it is outlawed in Boots. RLP Cannot take any action against you. Boots won't because there is no case. Depending on the circumstances of what happened when the security guard stopped you and while you were waiting for the police, you might have a case against Boots. Hopefully that knowledge will give you strength
  5. 2Grumpy
    Do you know the type/name of agreement / package?
  6. 2Grumpy
    £87 for 1 month? seems a little high - did they fail to terminate the contract & allow it to run for a few months whilst not providing the service that they were charging for? Might be worth contacting 3 to confirm the termination date and to request a copy of the final bill. It would be worthwhile checking whether rental is paid in advance with calls in arrears
  7. 2Grumpy
    It might be worth waiting a few weeks if the default date is around august 2007, rather than alerting them that the account is about to become SB. How about a CCA request / prove it letter first as a delaying tactic?
  8. 2Grumpy
    No, you have had a months service paid for with money that they owed you, and they probably got that money sooner than they would have taken the DD, they have had an interest free loan and have deprived you of the use of your cash for the period that they held it. Have you checked that they didn't take the money that they say that they used the refund for? They claim that they applied the money to a different account - but did they really do that? If they say that they have given you a months free service then they really should give that - I would be on the phone to remind them that the month that they claim was free was actually paid for by cash they should have refunded therefore you are still waiting for the free month.
  9. 2Grumpy
    If the SAR refers to standard letters then they should provide skeleton copies of those letters on request. If there were multiple accounts, they should have provided details of ALL accounts for the tenner. Time to write back to the data controller to ask for confirmation that there are no further accounts or an explanation of why they failed to fully comply with the initial request (as well as the missing data) and those skeleton letters that really should include how they are customised ...
  10. 2Grumpy
    Not just a straightforward libel claim? The implication in other threads is that you can get an award just for the publishing of incorrect data that would cause harm, with extra for actual losses
  11. 2Grumpy
    I would be tempted to try something along the lines of:
  12. 2Grumpy
    The correct response on the first occasion would have been "I'm sorry, you have brought the wrong receipt for this item, even though it was the same price". Instead, they appear to have made a record of what happened and were on the lookout on subsequent occasions. It is even possible that if all 3 items were the same price that they have all 3 correct receipts, just presented on the wrong occasions. This sounds like some kind of entrapment here, not pointing out mistakes at the time (whether they continued with the refund or not) I wonder if they retained the evidence (item & receipt) to the correct standard to allow any sort of prosecution anyway. I would be tempted to write back saying that TKM actions were appalling, that the police (correctly) took no action against yourself but in hindsight you regret not making a complaint against TKM, and that in the circumstances they should be offering you ten times what they are demanding
  13. 2Grumpy
    If you look through the forum the [libel] damages that you can claim for them updating your credit reference is several thousand It will be worth getting a copy of your credit file to confirm that they have removed the update If they have then that is at least partly an admission that they got it wrong. If it is still there despite their statement that they had removed it, ... I imagine that Orange will start from the same position in court ...
  14. 2Grumpy
    Voda T&Cs re passing to a debt collector are for when they are using a 3rd party collections agency If they are selling the debt then property law comes into affect & I believe that they must inform the contract holder (with a NoA) There might be an account number on the vodaphone portion of the credit reference that will identify the account to them The default dates should be the same if they relate to the same debt and they should be shortly after the last payment was made Would it be worthwhile your partner emailing Lee authorising him to talk to you about this? Another approach might be to contact Arrow and tell them that you were not aware of the circumstances at the time that you paid the bill and presumed that it must be correct, but unless they can prove that the debt exists and that your OH is responsible for it, they should refund the amount that you paid and remove the default.
  15. 2Grumpy
    It is the CRA that is asking for 6 years worth of addresses and proof of Id to be sent to the DCA. Clearly the DCA isn't entitled to such information and shouldn't ask for it. I think that a simple letter to each entry simply stating that the entry is incorrect, that it has been incorrectly attributed to you and that you require the removal of it from your CRA file immediately might do the trick
  16. 2Grumpy
    Regardless of anything else, Orange didn't have to charge you to "keep the number active until you activated the PAYG SIM". If that is a limitation of their system, they could charge nothing for doing so provided that you aren't using the phone. In any event, does it technically really need a new sim to convert to to PAYG?
  17. 2Grumpy
    It's my view that termination charges are dodgy because they are charges for what hasn't been supplied. The "free" phone is paid for by the monthly charge and is "free" to avoid the Consumer Credit Act & HP etc It's reasonable to pay for what you have used (excluding any time when the phone was disconnected). Once you have done that, if you are challenged about any dates on forms, they could easily be "mistakes"
  18. 2Grumpy
    If the bank is going to terminate the agreement and demand repayment, there should be a formal request to do so. LTSB claim to have sent my son a termination notice (although they seem unable to provide a copy of it)
  19. 2Grumpy
    Have you thought of asking for a full explanation of why they required legal advice when they should have known that you were abroad and that you have previously been asked to pay on 1st April. I would explain that I could not consider making any payment without seeing a copy of the invoice and the advice received and whether that related to several people or just you
  20. 2Grumpy
    Perhaps the claim should be the other way round - harassment by the store because they suspected they weren't going to buy anything
  21. 2Grumpy
    Or consider billing them for the disruption to your life and inconvenience caused to you by them failing to give a proper description of items purchased on their receipts. What do they expect you to do - pin the receipt to the item? Wonder what happens if you take the wrong receipt with you if you have to return an item to poundland?
  22. 2Grumpy
    Definitely simpler to work out whether another 10 seconds conversation will cost zero or an extra minute rather than just the charge for a few seconds more. the helpful bleep every minute that I can use on my phone would lose its value somewhat - just incurred extra cost so keep on talking for 50 secs
  23. 2Grumpy
    do you normally get 36 pages of calls? look for the differences
  24. 2Grumpy
    Presumably in the bills might be the reason for the increasing charges that you could have prevented after the first one had you seen it, so you might be asking for a partial refund when you finally get them.
  25. 2Grumpy
    Given that this is their response there is no incentive for them to prevent slamming if all they offer is a new account with minimum term etc then they benefit from your not going through with it. Presumably also with the right to update your credit reference which they might not have had before (even if they did) They could just switch things back if they wanted to, they choose to offer that as the only way out Presumably you are making a complaint against Orange too. Who knows, in a months time you might want to switch to talk talk but will be unable to

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