Is there a list of these fees anywhere on this site? If not, is there a website I can visit for a list of the respective fees as I cannot find anything on the moneyclaim website unless I am overlooking the obvious. Is using Moneyclaim cheaper than going direct to the court and if so by how much?

I wrote to Orange disputing their contractual rates as basically I was charged for Internet access contary to what was agreed by an agent acting on their behalf, however they did not respond in writing and verbally told me that I had to pay anyway. I also asked Oange to set up a DD to take a fixed sum from my account to cover the monthlu usage of about £70 while the Internet charges were being investigated. They refused this stating that I had to pay all arrears before they would consdier setting up a DD. They were not interested in a Standing order either. I am now in the process of promoting the issue through Moneryclaim however can Orange still hand the issue over to a DCA if the amount is in dispute? The amount the DCa is claiming is actually higher than the last bill I recevied from orange. Secondly I cannot find a contract between Orange and myself, what legislation can I use to ask for this document?

We have recently taken this route of using cash as opposed to the debit card or a cheque. Makes managing your money easier.

Just thought I would throw this in. If you book a caravan or tent pitch and pay a deposit or pay the outstanding amount in full for the pitch and you arrive before 12pm on the day in question, they impose a penalty of £5 because you arrived early. Even after paying the £5 you are not allowed on the site until after 12pm. I would like to challenge this as it is a penalty and in my eyes unlawful but I am not sure how to go about it. A lot of caravanners would be grateful if I could stick one in the eye for them. Needless to say we are not renewing our subscription with the C & CC.

Our caravan was with Black Horse on HP. I phoned then and told them I was selling the caravan and gave a valid reason for selling. No problem. I strongly suggest that when a prospective buyer is looking at the car and is interested in purchasing, advise of the HP and tell them to pay direct to the HP company and they can pay by debit or credit card. The HP company will then have to refund you everything above the settlement figure and it looks good on your history.

I think the issue may lie with whether the telephone line was connected to the receiver or not.

Why on earth are you still registered with them? Change suplier at the earliest opportunity which is about now. I also strongly suggest you write to Energywatch and outlining your compliant. For info have a look at MoneySavingExpert.com ad-free, free to use, Consumer Revenge!

The company does not have a leg to stand on if taken to task because they never followed simple procedures. I strongly suggest she contests it and puits in a claim otherwise the enxt company will do exactly the same. I am South African and we detested Unions because of all the strikes however when we moved over here we realised why people went on strike and that was because of poor management and the way they treated people. Nail them!

Not with a DCA yet, just the threat. taken the rest on board and will keep an eye on it.

Any advcie please?

When we signed up for the Orange contract we were told that we could download 1 gigabyte per month for the sum of £4 per month after the intial free period and luckily I had thsi in writing. But due to this incorrect info from the selling agent, about 4 months ago we incurred charges of nearly £700 for internet usage over a period of two months. Obviously there was no ways we could pay this and I cancelled my DD. Eventually the phones got disconnected by Orange. I thought that could only prevent you making calls not receiving any calls. We are now suing the agent for the outstanding costs via the small claims court, however Orange are being a bit unreasonable by demanding payment in full or handing it over to a debt collection agency. We have offered to start paying the outstanding balance by standing order on a monthly basis but they are not interested in this either. Up to date I have a clear credit history and through no fault of mine it looks like I am now going to lose that. If we have lodged a claim with the small claims court can Orange still pursue us for debt or do they have to wait for a resolution? Can they decline your offer of monthly part payment towards the debt? The part payment is over and above our monthly line rental. At present although the phones are disconnected we are still incurring monthly connection charges. Some advise regarding the debt payments and the disconnection wopuld be appreciated.

Does this also include the MINT Card as I wish to claim approximately £130 back from them.

As we had a small problem due o both of us on SSP, I pushed my Mint card to the limit but did not exceed the limit. There was a margin of about £20- £30 on it, however at the end of the month they had added the interest which then put the card over the limit and for the pleasure of doing this they penalised me £12. This seems like daylight robbery, but is this ethical? Either way I have now gone through all my statements from day one and found that I have incured charges of about £130 which I am now going to claim back. Although banks can close accounts if they have to refund charges, I doubt that credit card suppliers can do this. Can someone please enlighten me on this also? Thanks.

I have the same issue and will be using your template if you don't mind I sent a letter about 3 weeks ago requesting that Firstplus produce an amended contract to show that the period had been reduced from 13 years to 5 years thus making repayments artifically high. To date not a peep!

Before you do anything contact your citizens Advice Bureau and also Trading Standards.

Phone them one more time, tell them that you are very unhappy and if they don't resolve the issue and offer compensation you are going to approach Energywatch. They will resovle it and they will probably pay you some compensation. Can say I got the T-shirt!

The caravan is a 1998 Bailey 470/4. We are trying to sell it with all accessories for £4995 which will allow us to come out with a few pounds. Dealer offering about £4000. We are aware of most of the scams and will probably get the purchaser to pay the finance company direct and release it only on the finance company's say so.

Thanks Nathal, does it make any difference that you may have agreed over the phone for them to conduct a search? Unfortunately you normally have agree to this in order to for them to give you a quote. I would think that this would fall into a category called pressure of "under duress" and as we all know a contract/ agreement under duress is not binding. Your thoughtys on thsi aspect reagrding agreement over the phone and also the "duress" bit would be appreciated.

Last week I eventually got a breakdown of how they arrived at the figure and unfortunately it seems about correct, however I still can't get them to reply why they have decided to shorten the repayment period from 13 years to 5 years and then state that I am in arrrears and it showing up on my credit file as arrears. I am paying them slightly above the amount required if the repayment was still based on 13 years and not 5 years. I do understand that there will be additional interest but it is to be hoped that once our finances settle we can afford to pay more. In the meantime I do not see why we should pay more than we should. Is there any way we can forced them to revert back to the 13 years and remove the arrears notcies not defaults on my credit file?

Earlier in the year we purchased a caravan on HP but shortly after the purchase I developed a medical condition that makes caravanning difficult and I now wish to sell the caravan. The dealer is the obvious choice for a quick resolution but then there will be a shortfall. If I advertise it privately I can command a higher price. We have advise the finance company of our proposal and they agreed to it verbally. Probably get the seller to pay the asking price directly to the finance company and then get a refund of any overpayment. Are there any pitfalls that we should be aware of if selling it privately.

Last year we were looking for a loan of about £2000 at the best rate of interest but you can only find the best rate of interest once they have done a credit search. This then reflects on any future borrowing for the next year even if one decides not to take a loan anyway. Can they legally hold these searches on your file as you do not have a written agreement with any finance institution although at the time you verbally agreed to a credit search with the potential lender? We decided against the load at the end if the day due to a higher than advertsied interest rate although our credit history is fine.

Powergen appear to enjoy overcharging customers. I managed to get my bill reduced from £360 down to £193 but it took a lot of eeforts and numerous phone calls. As we had moved out I had it spread out over 6 months as they would not allow any longer although they had been at faultr since Feb 2005!

Any update on this yet as I wish to take action against Nationwide?

In November 2004 we took out a debt consolidation loan from Firstplus for £53300 with repayments of £520 per month for 15 years at an APR 8.9%. This was secured against our home. We kept up the payments but then decided to sell our home and pay off the debt. The home was sold off in February 2006 after 14 months of taking on the debt. At that time there was still an outstanding amount of about £48000 but this was not a settlement figure. The sale went through and they got paid but then decided that there was still outstanding interest for an amount just over £6000 which took it to much more than I had borrowed in the first place. I have repeatedly asked for a full statement showing how they have arrived at this figure but have been fobbed off everytime. The last time I spoke to them was Wednesday last week and was promised a full statement showing original amount borrowed, payments, interest charges etc but have recevied nothing as yet. Two previous request in writing went unanswered inluding several phone calls. Also basically the outstanding amount should be spread over the remainder of the 15 years bringing the instalments down to about £70 instead of £129 per month but in their wisdom they have amended it to 5 years but no new contract has been signed. Are they allowed to do this and can they refuse to supply me with a breakdown showing how they arrive at us still owing them £6000 plus? I really need something legal to thrown at them. Also it still shows up as asecured loan which is incorrect as it is no longer secured on any propeorty. It seems that they are amending the rules as and when they wish to do so. In addition, while we were disputing this we requested a payment holiday, but this is now reflected on my credit history as arrears otherwise my credit history is very good. Can I get them to remove this also?

We had a secured loan on our home over a period of 15 years. We then sold up 18 months later and at the end of the day we still owed about £6000 however I am disputing this as the loan should have been cleared. Is this still a secured loan and can they reduce the term to 5 years and tell you to repay it over 5 years without you having to sign anything. The APR has remained the same. I have a fairly good credit history with no defaults etc.