Surely the only organisation who can supply a list of recognised telephone companies is the regulator OFCOM any other organisation can only report on their own membership, and I am not sure that the Ombudsman comes into this at all

Thanks for that. Yes it is very frustrating, as with so many things these days your past record counts for nothing. An interesting thing is that the staff are in the front line of many tenants complaints and are encouraging me, and others I believe to complain to their head office. However I do console myself with the thought that it must be a very expensive exercise for them which will in many cases produce litle in the way of results but will surely damage their reputation which they have worked hard to build up J

I am a housing association tenant. They adopted a zero tolerance policy some months ago. I pay by bank transfer during the first week of every month, the problem is that as they give 2 "free weeks" a year the rent calculation is weekly rent times 50m divide by 12, which is what I pay and how they calculate their Direct debit payments. The problem is that at certain times of the year I am in arrears on the 1st of the month by a few pounds, this month it was £16. this will disapear in December when we get a "free" week The arrears trigger a threatening letter which I view as harassment as invariably they have had the payment by the time I get it. During discussions with them they admitted that the same situation arises with tenants who pay by DD but they do not get the letters, Is this discrimination?? The arrears quoted at the end of October amounted too £16 - this is the equivalent of the rent for 8 hours and 16 minutes. there must be some guidelines somewhere concerning this. Can any one help please

I'm still wondering how madam Fluff got a leg of lamb down her Knickers I must be sad

I booked 2 return fares on line with National express. During the process I had to click to say I accepted their t's and cs (which were nowhere to be seen) A couple of days before the trip I had to change the travel arrangements, so I rang the agents Trainline. They were extremely unhelpful and basically said tough luck no refund no alterations. I then rang the operators who were a little more helpful and said yes I could change to another date as long as I did so at a manned station before the original train was due to leave. (which was 9:30 on monday morning). I did this and afer a conflab amongst the booking staff was informed that it could not be done. BUT they could let me have new tickets at a reduced price £16 more than the original price plus a £20 admin fee. Surely they can't get away with this in this day and age - or can they? Has anybody had any experience of this policy or any ideas about its legality. help please

I got exactly the same letter/form but from Credit security Ltd in Whitechurch. In my case I took LTSB to court (in the good old days before cases were stayed) and won the case. I rang Credit security who said that Lloyds had taken the case back. Lloyds are telling me a number of stories 1. Its a requirement of consumer credit act to send this annually 2 Its a [problem] and nothing to do with them 3 They have no information the papers are still with the solicitors 4 They have absolutely no sensible explanation to offer Sechi Clarke and Mitchell are I believe owned by Lloyds but not the collection agency whose address was on my letter This seems very odd I wonder what remedy we have after all I owe nothing and they appear to have issued this to a debt collector any body got any ideas