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

Anyway, once I had walked out of the store, security grabbed my bag, yanked me back in and marched me into their offices and proceeded to yell at me and talk to me very forcefully.

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

Dear Sir or Madam,

 

I am writting to lodge a formal complaint regarding

the number and requency of calls/texts to my works

numbers this must cease immediately as these messages

are being pick up by my work colleagues which is causing

me embarassment and distress and could jeopardise my

job.

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

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

Do you know the type/name of agreement / package?

£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

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?

Just got off the phone to virgin who have told me that they have credited another account that I hold with them and paid the difference of £15.88 into my bank. When I explained that I was not told that would happen their reply was that effectively I have had a months free service.

So guys if you want a months free service with a phone company just pay over the odds in the future

 

I have asked them to put everything into writing explaining what has happened.

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.

It was the subject access request that they wanted £10 for that only contained dates of entries on the file that letters sent they couldn't provide copies of the letters.

 

We were told the Vodafone default and Arrow Default are for 2 seperate contracts. On the arrow global defaulted account, under the account status details, it starts in red, defaulted with a balance of £529, then there are three entries in green with a ? saying £0 then another red one saying £0 there is nothing before this to say when the payments were missed. Does this mean it was already defaulted when arrow global took over it? When they took over it did the account status details whilst it was under vodafone get deleted so that's why is starts in red and we now can't see the full history and when the payments were missed? But the account open dates and default dates remain from when Vodafone held the account? I'm really confused and got so many questions!

Is there anywhere we can go where we could show them a copy of the credit file? Is it worth emailing experian to ask them to explain it to us?

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 ...

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

I would be tempted to try something along the lines of:

Given that the police took no action against me and I refute any suggestion of wrongdoing, I require a full explanation from yourselves and your client of your actions, why you believed that an offense had been committed and all evidence that your client believes that it has.

 

I am sure that you will appreciate that what you see as a disruption to your clients business activities resulted in a much greater disruption to my life until the police realised that there was no case to answer. Unless you and your client can provide a particularly compelling explanation for their and your actions then I would suggest that you make an immediate payment of £xxxx as compensation for these unwarranted actions.

 

I suspect that you realise that this is much less than I would claim if I was forced to take this matter to court.

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

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 ...

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.

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

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?

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"

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)

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

Perhaps the claim should be the other way round - harassment by the store because they suspected they weren't going to buy anything

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?

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

do you normally get 36 pages of calls? look for the differences

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.

OfCom are not a lot of help.

 

I have learned that it was Orange which slammed the account.

BT are going to take it back. however, this means that they close the old account and open a new one with new credit search and a minimum 18 month contract with cancellation penalties if I leave early.

BT admit that it shouldn't have happened and that the slam was unauthorised and yet they say that they are caught by their system and they can't do anything else.

I asked them to give me a deadlock letter and they refused. they said that they have done everything they can do and aren't prepared to investigate or to take up any complaint.

I called the Comms Ombudsman and was told that I will have to wait it out for 8 weeks before they will receive a complaint without a deadlock letter.

I have recorded calls for all of this.

 

BT admit that slamming is a big problem for them - and also that they can recognise a slamming if they look at the account - but they don't bother because it takes too much input. This means that they just let it go on.

 

I am stunned.

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