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jacktheband

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Everything posted by jacktheband

  1. Yes, they are legal, but the charge must do no more than cover the costs the company incurs in processing the payment. I'd say that £3.50 per month is about standard. Ofcom introduced regulations in 2013 relating to payment surcharges (which is what non-direct debit fees are classed as) - more info found at http://stakeholders.ofcom.org.uk/consultations/addcharges/faq
  2. Great result. Well done, thanks for updating. What were the details of CISAS's decision? Did it hinge on anything specific?
  3. Before doing a DD indemnity claim with the bank, it might just be worth considering the points i've raised, as if it is a genuine reason they have been taking the money (i.e. a new account was taken out in parallel to the existing account which was never closed) then the outcome would only be a trashed credit file. I'm sure that bank would comply if asked to do an indemnity, but it wouldn't really be addressing the reason why this has happened and whether this was a mistake by Orange, another company, or OH, etc.
  4. Need some more information. You said there was an upgrade, but then you mention that there was two separate accounts, which doesn't sound right. There are two scenarios that spring to mind, so could be one of these. If someone on Orange upgrades then they keep the same account, same mobile number, same payment details, etc. All that happens is that a new phone is provided (i.e. the 'upgraded' phone) in exchange for your OH agreed to be tied in to extended contract length. Therefore, the original direct debit continues as before (with perhaps a different month
  5. Good point, and it may well be something that if bought up in the right way could tip the balance for them to show some goodwill and terminate at no charge. However, it certainly cannot be called greed if they insisted that the contract is adhered to, after all that is what having a contract is about, both sides committing to a set of conditions.
  6. Orange customer services should be able to take the complaint and send an email to their credit file department to rectify the issue. However, usually the most practical method is for you to email that department yourself as you can more clearly outline what has gone wrong on your credit file and the issues which you had proving that any markers on your credit file are incorrect. The email address you've quoted is a little incorrect, so is probably why you've had no reply. I believe the correct email address is referrals.fax.inbox@everythingeverywhere.com In terms of how the issue has imp
  7. Sorry, but sounds like Orange are in their right to insist that you mother upholds her end of the contract that she entered into. Although this is a very unfortunate situation, this is not a case of where signal disappearing where there once was. This is the inherent pitfall of any service contract with a minimum term, i.e. the trouble that it causes when the customer's circumstances change and the service is no longer suitable/required. An option could be to ask them to reduce the contract to the lowest amount, thereby minimising any costs. Also, asking to then buy out early sometimes un
  8. Sounds like a fob off to me. The phone is designed to run apps in the background. If there's any overloading caused by background-running apps then the software on the phone is designed to safeguard the hardware by auto-closing those apps. Therefore, if the Apple shop's diagnosis is that running too many background apps is causing this issue, then in my mind this is an acknowledgement that the phone is faulty as the built in safety features aren't working as designed. If all iPhone 5s phones had this issue when not closing apps in background then everyone would complain as most peopl
  9. Just one point to raise as you are claiming under SOGA, due to it being over 6 months since purchase what evidence are you going to present to show that this was an inherant fault from the point of sale? As the onus is on you to prove that it was faulty when you bought it if it is over six moths. Although all the advice in this thread is sound, it does amaze me how many times this particular part is not mentioned on these forums. Just raising this point in case CPW change tact and use this as their reason to not assist.
  10. There is no such thing as a 'digital' aerial. All aerials are the same in terms of that they pick up signal and relay it down the the cable. With the switch-over to digital TV, analogue signals were phased out and digital signals sent instead. The aerials to be used are still exactly the same. The only thing that tv-watchers needed was either a TV that accepted digital signals (i.e. a newer TV), or a digi-box if wanting to use an older TV. Anyway, the point being that there does not need to be a new aerial. Your daughter either needs to use a digital-signal-accepting TV, or if using
  11. When exactly did you take out the contract? Was it a new contract or an upgrade? Did you get it in a store, from their website or over the phone? (asking this to determine if you are covered by Distance Selling Regulations and could therefore cancel the contract).
  12. Your best bet now is to ask them to lower the amount as a gesture of goodwill in the circumstances, with the option of proceeding to CISAS if they refuse. Still worth going down the CISAS route as it is free for you but will cost Orange, so they might be more willing to reach a goodwill agreement rather than fork out for defending via CISAS. The other option is to take it on the chin and not pay. This will then be a mark on your credit file for 6 years plus some usual chasing letters from debt collection agencies. So you have to weigh up whether this route is worth it or not.
  13. Reading the article seems to be to do with Orange France, not Orange UK. Would suggest updating the title to reflect this so not to panic Orange UK customers needlessly.
  14. Vodafone are not liable for anything to you, so count your blessings on being given £15 compensation. Your equipment was provided by Phones4U, all Vodafone is to do with this is providing your service/signal/sim-card. If the phone that the sim goes in has probs then that is P4U's issue to sort out, including offering a loan phone if they do that option. If you keep your new PAYG phone in good condition i guess you'd be able to recoup quite a lot of it's cost if you sell it once your regular phone is repaired. Add the £15 credit by Voda then you'll probably be back to no monetary loss
  15. If Vodafone do not lower/cap the amount (which i do not believe they are obliged to do) then your father-in-law would still be there person they would pursue for the debt. However, as the other person confessed to stealing/running up this bill (assuming there is evidence, i.e. they confessed to the police) then they would be liable for any cost incurred to your father in law, i.e. this high bill.
  16. This is the trade off between offering flexible delivery to suit customers, and having a tight security process for very high risk fraud items (i.e. iPads). Too far one way and you'll have a lot of fraud with genuine customers having iPads unknowingly taken out in their name (with the complaints of 'why didn't you have tighter security?') and too far the other way you'll present major problems for customers who cannot be present with ID when accepting delivery (such as your complaint). Personally, i'd be happier that the company i chose to go with had a tighter security against fraud, but down
  17. The law changed (last year i think) to offer protection outside the EU as well: http://ask.ofcom.org.uk/help/telephone/international_3G_charges
  18. One thing to prepare yourself for is the that they will probably not agree to the 'bill-shock' defence due to the text messages that were sent. From my understanding, the following texts are sent: - when data is first used a text gets sent advising how much data is, what bundles are available to buy and how to buy them - at various increments of data use a text is sent advising how much has been charged so far - when £51 has been used then data is barred and a text sent advising that a limit has been reached and the service restricted. To lift this cap then you'd reply to the text as
  19. Hi all. Hoping for some guidance on a mortgage which is heading towards the end of it's 2 year fixed period, seems as though Virgin Money have made a mistake. In June/July 2012 i went to buy my first house. Things didn't quite go smoothly and we didn't complete until Nov 2012. The mortgage we took was a 2 year fixed rate with Northern Rock (now Virgin Money). Everything's been fine since, but today we got a letter through the post from Virgin Money stating our fixed period is coming to an end and we'll be on SVR from 1st July this year. This is good for us as it'll be approx £90/mont
  20. What type of calls have you been charged for? Calls to mobiles? Landlines? 08 numbers?
  21. Found the details on what type of tariff i believe you are referring to: http://www.o2.co.uk/business/products-and-services/mobile-and-tablets/o2lease And have found the associated terms and conditions for them here: http://static.o2.co.uk/www/docs/termsandconditions/business-inclusive-minute-tariff-terms-17-february-2014.pdf The point that i would draw your attention to is point 2 on the pdf (the 2nd link above) which talks about Inclusive Minutes and Call Charges: Inclusive Minutes on Tariffs can be used for calls made in the UK to: standard UK landlines (starting 01
  22. The following is from Voda's general Ts&Cs: 6.2 Customer shall use all reasonable endeavours to ensure that SIM Cards are only used with Customer’s authorisation and shall inform Vodafone as soon as is reasonably practicable after Customer becomes aware that a SIM Card is lost, stolen or damaged. Subject to Clause 9.1 Customer shall be liable for any loss or damage suffered by Customer or its End Users as a result of unauthorised use of SIM Cards (including due to loss or theft), up to the time that Customer has notified Vodafone that such SIM Card is being used without Customer’s
  23. Thought i'd just quote the exact wording from the government website which really sums it all up: "DSRs do not link cancellation rights with your ability to resell items as new. Unless the item falls under the cancellation exemption , customers can cancel a contract and return the goods to you even if they have opened and tested the goods and, as a result, you are unable to resell them."
  24. You are covered by DSR. Simple - you notify them of your intent to return the goods and cancel the contract within 7 working days (day 1 is the working day after you received the goods). No point in contacting Vodafone, it's not their equipment they provided you so they will quite rightly have no interest in taking it off your hands. However, they might give you advice, which should be the same as this: Contact the 3rd party dealers. Advise them that you are returning under your rights under DSR and therefore require a full cancellation of the contract as part of returning the goods. The
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