Great shout, Ill send this off ASAP. Im really tempted to let it go the whole hog and show my face in court vs o2. Theres a post up here saying that I should say that clearly the phone was used when I wasnt in posession of it. Also that BCW do not know the law.

UPDATE!! Received this today from o2: Our reference: xxxxxxx Mobile Phone Number: xxxxxxxxxxxx Dear Mr Me Thank you for your recent letters regarding the above mobile phone. I'm sorry to hear of your concerns regarding contact you've received for the outstanding amount on your account. I can see that we extended your cooling off period and provided a jiffy bag for you to return your phone to us, to take you out of contract taken out in July 2007. Unfortunately, as you're already aware, we've never received the return of your phone. I can see that you were misinformed about your text message allowance in July 2007, and so we credited you back for these charges that you were billed. Your account was credited in July 2007 with £96.84 including VAT. Prior to your final bill, you had £239.51 outstanding on your account. A termination fee was applied due to non receipt of the phone, and this brought the total amount due, to £714.85. This amount stands and has not been brought to a nil balance as requested. I'm sorry that this isn't the response you were looking for, but I've enclosed written confirmation of our complaints process as you requested. If you have any further questions, please contact me or one of my colleagues on 0845 3300684. Our department is open between 8am and 6.30pm, Monday to Friday. Yours sincerely Simone Tiffin Complaint Review Service In their complaints process it states: "An independant view" Whereby I can contact Otelo. But, BCW told me to prove that I owed nothing, which I am not obliged to do. Infact they, by law, are required to prove that I owe the debt, which they havent done, and why I am writing to them to make them aware that they have misunderstood the law. I am willing to go all the way with this. Anyone got any advice on next steps??

Ok, so I sent the s.10 on the 20th October and it is now the 31st. 7 days have elapsed, BCW sent me their complaints procedure yesterday, o2 havent been in touch. They have 3 days before I need to deliver an LBA. Any advice for me?

Is that all I should write? Should I email it and print off a hard copy? What ultimatum should I give?

UPDATE: Following my letter to BCW & o2, BCW have chosen to reply to me: October 29, 2008 REF: B7819130 Puruers (spelling?!): O2 Telefonica UK Ltd Client Ref: 1002190619 Dear Me I write with regard to your letter of September 11, 2008, issued in relation to the aforementioned account. Please accept our apologies for the delay in responding. I have enclosed our internal complaints procedure as requested. With regard to your liability of the outstanding balance, I can only reiterate the advice given in our previous two calls to this office. Our client has advised that this balance is outstanding and instructed us to pursue accordingly. Until you are able to furnish us with evidence that you are not liable or instruction to withdraw is received from our client, we will continue recovery action. Should you wish to obtain documents advising on how this balance was accrued, we are instructed to advise that a £4.99 charge will be levied for a full itemized statement. A basic invoice is available and carries no fee. Please do not hesitate to contact us on 0871 7001577 should you require any further assistance. You can also email on [email protected] Yours sincerely, Signature Darren Carruthers Quality Assurance Officer I still have received nothing at all from o2. Its been about 10 days since I send the s.10 to them. Were do I go from here? bcwgroup plc

Cheers Ting

Thanks for your replies. The problem is, he already has 9 points and if he loses his licence he basically loses his life because of his job etc.

Why?

Its been well over the 19 business days, but I dont know what to do or where to go from here. Ive heard nothing from Newham nor the bailiffs. What do you suggest?

hiya Pal, sorry for the lateness of the reply but I have been away on hols and then came back and had loads of work to catch up on! I went to the County Court here and the Magestrate signed my Stat Dec. I spoke to the bank to request more detailed proof. They have told me they cannot give me more detail than they already have, so now its a sort of suck it and see situation. Its been well over the 19 business days, but I dont know what to do or where to go from here. Ive heard nothing from Newham nor the bailiffs. What do you suggest?

Thanks for your reply, but the links you have posted tell me that the website is not found

I have dont worry. My friend has just rang me to inform me I had PPI on the agreement covering unemployment. This means that when I said I lost my job and told them to come take the car they should have gone down the PPI route for a maximum of 12 months unemployment. I was back in work 4 months later and havent been out of work since. Therefore I should still have the car and all of this should have been avoided.

I actually have a recording of a telephone conversation with a rep from Cap Bank. In it he quotes the reg of my old car and I ask him as far as he is concerned nothing is owed and he says yes nothing is owed. But then he goes in through my post code and tells me he has requested a copy of my agreement which will be sent out by the end of next week.

Have already asked them for a breakdown of charges and the process is pretty much the same as with the bank charges isnt it. I remember having PPI, I just dont remember being told the full benefits of it. Im actually getting copies of every agreement Ive had to see if I had been mis-sold anything as I have just found out I was mis-sold a car i.e. the agreement wasnt what I was told and Im being held liable for £8000!!!

When I found that my Barclaycard (which is currently under a repayment agreement with the interest frozen) had a PPI on it. I found the following letters: 3 May 2006 Dear (me) Termination of Payment Protection I'm writing about the Payment Protection Insurance on your Barclaycard account. We are no longer prepared to allow Payment Protection Insurance Premiums to be debited from your account due to its current position. This means your insurance cover will end, and we'll notify Barclays Insurance (Dublin) Limited to this effect. If you're able to make a claim you can call 0500 500 7000 for the relevant claim forms, and you should also call Barclaycard on the number shown on this letter head (0870 366 5389) If we do not hear from you within 14 days we will contact Barclays Insurance (Dublin) Limited as described. Yours Sincerely K Mallinson Manager Now, my point is, look at the date. I was unemployed when they cancelled this but did not make a claim, and I have just found out that the PPI would have covered unemployment. I wasnt told this and therefore incurred charges for things like late payment, over my limit etc. If I would have known that PPI covered unemployment maybe I wouldnt have ever had to go into the repayment plan which I am in now? Do I have a case?

and what to do: Basically I bought a Ford Focus about 3 years ago. I lost my job after having it for about 10 months and couldnt afford to keep it. I spoke to my friend who told me to voluntary terminate the agreement, whereby I give the car back and they sell it at auction and thats it. I did this, and thought no more of it. A few months ago I wanted to apply for credit. I was refused and wanted to know why. I spoke to my friend who works at the place I got the finance with and he said there was no details for me on the system, which was great (it was a default from o2 which is incorrectly placed on my file - thats a different thread though!) I have just had a phone call, on "Private No." by the way, saying that it was regarding a loan with the Royal Bank of Scotland. I denied all knowledge. She said it was for a car. I said I had never had a loan with RBS. She said that they had taken the car from me and sold it at auction. I said oh yeah thats with Capital Bank, who have told me its all settled. She said she would send it back. I spoke to my friend who told me to call collections. Collections tell me they sold my car at auction for £6282 and that I still owe them £8200. I told them this was inaccurate. They told me that when I was sold the car a personal loan was taken out NOT a Hire Purchase agreement. A Hire Purchase agreement would have allowed me to give the car back and walk away. I told them it was a hire purchase agreement and she told me it wasnt. I informed them that there was no physical way I could pay the "outstanding amount" and nor would I be. She told me that the conversation was at Stalemate and that the KM investigation agents wouldnt be sending this back to them. I informed them that they already had and she told me that they would explain to KM what had happened and would give it back to KM. What can/do I do from here. This hardly seems right or just. I mean the first I heard of there being a personal loan was about an hour ago! I was always told and under the impression it was a HP agreement. Also, there is no way I am paying that amount of money back, I may aswell give it to charity. Any advice is welcome - please!!

peugeot 407

Where did you find that and for what car??

Its actually a rather nice black Peugeot 407 with the full shabang. Sat Nav etc.

Great Stuff that, do you also have the Letter before Action? Also, should I send this recorded?

Hay, its been quite some time now since I sent the letters to BCW & O2. I have received no further communication from BCW nor O2, and therefore no acknowlegement or proof of any debt. The next step I wish to take is to get the default removed from my credit record that, no doubt has been there for about a year. Does anybody have any idea of a letter to write to o2 basically concluding the matter, requesting that they close the account & dispute and also remove the default from my credit file. Any help would be much appreciated as I cant WAIT to get this matter resolved and prove that it isnt always the companies who have power!

Yeah I thought this too. None of the bulbs had been changed since I got the car. The only problem was one of the rear lights have gone out and HAVE NOT been replaced, the sidelight had gone and that HAS been replaced. Now though, the car is showing warnings that the LEFT brake light is faulty (the one which is out is on the right hand side) and the indicators are faulty. Im totally puzzled to be honest. I dont know what they have done.

Many thanks for your replies guys, the general consensus (sp) is that I did get a fair deal. However, now my car is telling me that I have an indicator bulb faulty, a brake light bulb faulty and they also havent replaced the bulb at the back which I asked them to. The only fault that my car used to detect and also that I had identified was that the sidelamp bulb was faulty. None of the other warnings had ever been identified.

A friend of mine who has helped me out in the past has told me he was recently "caught" doing 40mph on a 30mph road. However, he tells me that he saw no camera. I have driven down this road since a few times and there definately is no camera. The letter received from the Police says that this will be supported with photographic evidence. My friend told me and I told him I would ask on this website which I knew which had helped me recently and was superb. Bascially, he wants to know; 1) If there was no camera on the road should he challenge this 2) The Notice of Intended Prosecution says he has 28 days to respond but not to send payment or licence. He has lost the paper part of his licence and wants to know how long it takes when replying to this that they request the licence so that he can obtain a replacement when he gets paid. Your help is, as always, much appreciated. Cheers

A garage by work is selling BioDiesel the same price as Unleaded per litre. Anyone fill me in on what it is and if its safe to use?