Hi everybody, all your information is invaluable - I still have no tickets and no response from the seller - plus when I tried calling ebay yesterday they now request you have a pin ID to get through to them so gave up after holding for absolute ages because I had to pick up children. Anyway I have much more confidence to proceed with the Police and start the proceedings from there. It was interesting to hear a law enforcement option on the ebay number though so will be passing that on to the Police too.Once again thanks for the info - will update the post and let you know how I get on.Thanks.

Oh sorry! I was advised that they would be sent once they had been received from the promoters which would be 2-4 weeks before. I do know there is still time as concert is 3 weeks today but it is just the lack of response from the seller

Hi there, no as I say was very silly but have been on ebay for years and probably one of the lucky ones that have never had any problems but paid for them on 2/11. I doubt whether they have been lost in the post as have tried contacting the seller on 4 occassions now via e-mail since 5/5 with no response

Hi, Nobody needs to say how stupid I am I know but that aside has anybody had experience of this or can help.I purchased some concert tickets off ebay back in November and currently waiting for them to be received. I ordered 6 (2 of one seller, 4 off another) 2 have arrived but I am getting no response from the other seller.I have checked their ebay profile and they have had no activity on their account since November. I paid via paypal and of course you only have 90 days to appeal. I was sent the ticket confirmation from Ticketmaster but items blanked out which I would have expected so no alarm bells rang out. But the paypal transaction does not show the sellers address and you can not get the members information unless you have an ongoing transaction with the seller otherwise I would call them. Obviously I will be contacting ebay and paypal but know from experience that I will get no help what so ever, my real question is can I take this any further as I will try and follow it up, may be an expensive learning curve but any help would be appreciated!

Hi - since this there has been numerous communication backwards and forwards including one to the CEO office as per an e-mail on the other thread but this is the latest - any advice?? I would like to point out though on 2/2 I put in writing re cancelling the contract so a lot of this information is just in accurate Dear Mr McClure, Thank you for your reply regarding this. I am sorry to hear that you do not feel that Vodafone gave you the correct information over the phone, I am sure that I did mention this to you. However, if not this is why I stated this in the letter. The reason that the default is valid is because Vodafone has not breached any part of your contract. SIM cards have been sent to you when you requested these therefore we have kept to our side of your contract. If you refer to section 6 of your agreement it states the following: If your SIM card/Mobile Device is lost or stolen you must tell us as soon as possible so that we can prevent further use being made from it. You must pay for all Charges incurred until you tell us and you must continue to pay the line rental charges until this Agreement has ended as described in clause 2 or clause 11. This states that you must continue to pay the line rental on your account unless your contract finishes. At no time have we received a request for you to cancel your account, you would still have been liable for the charge up until the end of your contract which was 29/07/2009. The only correspondence we have received from you was on the 16th of June advising that you had not received your SIM cards that you have requested. We also wrote back to you to advise you that you were liable for the full outstanding balance on your account and that this had no been referred to Direct Legal. Section 11 is not applicable here because as advised we did send SIM cards out upon request. As previously advised Vodafone has sent you SIM cards when we have received requests from you to do so, therefore we have not breached any part of your contact. I would refer back to my original offer to offer to credit half of your outstanding balance and the default to remain. Dear Katy, I refer to your letter dated 26th September following our telephone conversation relating to the ongoing disputed account as above. It does not surprise me that you make reference to 'defaults' that you say will remain, purely because this was not mentioned on our telephone conversation and goes along with the service I expect from Vodafone. For some reason you and your colleagues seem unwilling to mention what I would deem 'fundamental' information during telephone conversations but mention them on following letters, similar to the mention of me being able to collect a sim from my local vodafone store. The only difference being your Customer Response team took approximately 5 months to mention this. To summarise this on-going fiasco there are so many flaws in the correspondance and information I have received from you. Most importantly the fact that you were verbally advised of my issues in January and then this was followed up in writing early February. Whilst I note you stated the sim is not fundamental or grounds to be in breach of the contract! How can I use the 'Vodafone' service without the sim? When writing to advise I have no sim and promises that this will be sent to me, is it not Vodafone' responsibility to provide this in order for me to continue to use your 'service' and basically allow me, the customer, to get what they are paying for. as As such Vodafone are in breach of the agreement under section 11.2 by failing to fundamentally put right what I have advised you of in writing. I have considered your offer to cover half the remaining balance, which I respectfully decline. I request any default notices are immediately removed from my credit file with immediate effect. As such I will expect no further correspondance from yourselves or any associated companies unless it is confirmation this debt has been reduced to '£0' and should you decide to take this matter to court I will be more than happy to produce the documentation and evidence I have and will also be claiming additional expenses against you. I shall be checking my credit file within the next 30 days from receipt of this email and should that default notice still be in place I will consider issuing the company with a claim for Injury to Credit because I am not prepared to allow this to sit on my credit file Yours Sincerely (copy via Post)

Back in May my husband purchased some tickets to go and see Beyonce at MEN. They were top priced tickets and were sold as 'on-stage' seating, this showed on the order confirmation and the tickets themselves. Upon collection from the Box Office the tickets showed GA which I presumed to be General Admission. I contacted Ticketmaster and the girl I spoke to said she had never seen this but when she checked it out said it was actually a seated area on the stage but it would be first come first serve for the seats. Anyway to cut a long story short we were unable to make it as my husband was called into work and my brother-in-law ended up going BUT there were no seats and it was a small enclosure at the side of the stage not ON it! Ticketmaster were contacted on 28/5 and responded on 22/6 to ask for the confirmation page and to confirm did we think we were mis-sold the tickets! We were away on holiday and due to numerous other goings on responded on 23/7 with a copy of the confirmation page and requesting a refund. To date we have received nothing - any ideas as I know my next step is a SD letter but am now getting frustrated and considering charging them interest as the seats were brought on c/card.

Hi, I was into my 11mth of my 18mth contract with vodafone when my phone was lost/stolen whilst on holiday. I immediately advised vodafone who put a block on the sim until it was certain that the phone was gone. On the 3rd January 2009 I rang customer services to advise that the phone was gone and could I have a replacement sim, which never arrived. Another phone call on the 13th Jan asking for an update when I was advised they had no record of my call on the 3rd but they would now send out the sim as requested and should be with me later that week. 28 days later still no sim, so I wrote to them telling them of the above and that as far as I was concerned that they had broken this contract and any agreement was null & void so I cancelled my DD. They responded by waivering my 2 months of charges (great since I had no sim) and would send a sim out...which I never got. Now they are demanding 141.00 for the outstanding balance of the contract and they had tried sending out some sims and find it strange I never got them, but I could of got one from my local vodafone shop anyway (although I was never advised of that nor was I aware I could do that). Surely this cant be right, as far as I am concerned I have not been provided with the service that I am being charged for and advised them of that both verbally and in writing. They are now threatening with debt recovery and my credit file rating. Any advice would be appreciated and sorry if the tale is long winded! thanks

Sounds good to me!!!! Thanks Lula.

There seems to be a lot of mention to James and Inga whom I presume are in the legal dept when your claim gets to the court stage. Does anybody happen to have their e-mail / contact details at all. Maybe these could be posted to the contacts by a mod???? Otherwise could somebody PM them to me as will def be getting in touch with them shortly!!!! Many thanks

U r a star Lula, thanks so much for that. Can not believe it has been left to the last minute but working under pressure is what I love. Finished it all anyway so just got to get it copied and get it sent SD tomorrow - fingers crossed . Thanks again.

Can somebody possibly help me with the above? The clock is definitely ticking now

I agree totally. I also won with HSBC and Alliance thanks to this website and again donated. Will be spending some of the in-laws money too WHEN we get it. Let's hope it is the same for her then!! Thanks again.

Hi there, it is not too late. I added interest when I filed a claim after a GOGW. I used a spreadsheet from this site to calculate my interest, you just fill in your charge claim and interest charged, date etc. Go into the Bank Templates Library and Interest Calculation Spreadsheets. I used the Excel Advanced one which is really straight forward. Go onto the charges and interest tab and complete the relevant sections, i.e charge, date, interest charged, date and it automatically calculates everything for you. Ignore the 8% tab as this is used when you get to the court stage, as I am sure it will with Abbey!!! Hope this helps.

Congrats, when did you submit your court bundle? I am just doing one for the mother-in-law which has to be in by Friday so panicing a bit myself!! You just think you are going to be the one they will go all the way with!!

Hi there, Can anybody help me with the above if poss? Just getting everything together now and going to send the bundle off SD today if poss!!

Hi there, CONGRATS first of all. I am just preparing a court bundle for my MIL but it has to be in by Friday so time is running out!! Anyway, sorry!!, I had a similar issue with a Nationwide account that I held and they were really on the ball and sent everything through to me. Basically you just give them as much info as possible about yourself, previous addresses, names etc and they have to provide any info they hold on you so subsequently you should get you info, just send an SAR to Barclaycard and start all over again!! Good Luck, sure you will not need it now you have suceeded once!!

My Court bundle will consist of Court letter (taken from Armsoft also including list of settled cases from Abbey) Witness statement (taken from Karnevils link) Schedule of Charges - these were amended to include interest as the claim stage, should I include both issues and / or should these be included with the correspondance?? Statements Correspondance Cases & Statutes (taken from the court bundle) and to include OFT Report / BBC Comm Conclusion / McNamara Interview / Comp Comm Report. Should this suffice? Also I notice that no mention should be made of anything without predjudice, my MIL received £988.00, refund out of the £2159.00 she initially claiming, into her bank account. I deducted these charges from the Spreadsheet when making the MCOL claim. Should I include these letters in the pack and does this correspondance get included on my witness statement? Also with regards to the additional interest. I made my claim on MCOL on 24/11, this has obviously now gone up. Do you actually claim the additional 32p per day now and should this new figure go on the witness statement or the initial figure you were claiming? Hope these questions make sense!

Wow, another update months on and the saga continues! I have just been away after a 2 week break and my mother-in-law has handed me her court notice for the small claims. 11/4/07 1000 at Liverpool Civil and Family Courts Anyway I read on and gasp when I see documents have to be returned to both parties by 2/3/07 1600 and yes we are only 4 days away. I have spent all day on the site and got loads of info - Case Summaries, Statement of Evidence, Info from the Court Bundle, OFT Summary, BBC Commission Conclusion, all correspondance of course and statements, summary of charges etc. but just want a bit of advice and confirmation I should include all this. The directions are as follows - 1) Each party shall deliver to every other party and to the court office copies of all documents (including experts reports if the court has given permission for expert evidence to be used) on which he intends to rely at the hearing. 2) Copies to be delivered by 4pm Friday 2nd March 07 3) Original documents should be brought to the hearing 4) Signed statements setting out the evidence of all witnesses (including expert witnesses if permission has been given to use them) on whom each party intends to rely shall be prepared and copies included in the documents mentioned in paragraph 1. This includes the evidence of the parties themselves and of any other witnesses whether or not the witnesses are going to come to court to give evidence. 5) The court must be informed immediately if the case is settled by agreement before the hearing date. Apologies but I have read through so many posts today and info on the court bundle, going to court etc just want confirmation myself.

It has been a while since I updated these threads - how awful. After various tos and fros Abbey offered £988.00 - accepted as part settlement etc. Anyway we are nearly at the court stage on this now. MCO filed 24/11, acknowledged on the 14th day and now saying they have not got summary of charges (which has been sent - POD obtained!). Anyway just a quick question I am going to re-send the summary of charges but obviously the interest has now increased. Should I send the original as sent on 24/11 (Total claim £2466.02) or an up to date one from today 16/12 (£2476.16)?? Going to start preparing the court bundle I think!

Well well well. We have received a cheque for the joint account for £955.69. The actual claim was for £961 so not sure where this amount come from!! Presume the usual letter saying as we are clearly do not accept the terms and conditions of the account they will contact us shortly to discuss future operation!!! so I expect the next letter to be the account closure! Another letter landed on the mat for my own account from a and l to confirm their acknowledgement of service - is this standard practice from a and l - intrigued why they have settled one so quick and not the other.

Hi there, just a quick question for all those whizz's on MCOL! HSBC have just coughed up all the money , what happens to MCOL?? Do I need to close anything off, confirm I have received payment etc. Sorry to ask, have had a brief look around but unable to find anything.. Thanks

Teddea, I am just completing an N1 form for the Abbey but we have received nothing from them whatsoever, not even the info on the 'Microfiche' so basically just want to file the info re breach of contract but sure I have read on one of the threads a statement about them cashing the cheque - any ideas or shall I just go with the draft on this thread?? Appreciate your help

A & L are a complete and utter bunch of ... well!! Can not believe the way they operate. I checked internet banking on Monday and everything was hunky dory, checked again today and they refused a DD due to lack of funds even though when I checked it said money available. I was told Internet Banking can be very misleading if you do not understand it - so what is the point!! Anyway back to my claim the 14 days is up tomorrow but can you amend the amount you are claiming for when you file on MCOL as obviously theyhave not put more charges on the account. So what now ? I am tempted to do them another letter with the revised charges (another £25.00 on one account / £34.00 on another plus interest) and give them until 14/09 to reply as this is then 28 days from my prelim letter. or file my MCOL tomorrow on my original amounts as per the LBA. I do not want to enter into further dialogue with them but am absolutely fuming at this moment in time, especially as they refused a first time payment on our mortgage and wanting to do them a snotty bloomin letter anyway....

Teddea, I think we are going to go down the N1 route but use the breach of contract, the cheque was cashed 4/7 so they are well over their deadline and if it means us getting the statements quicker then it will be worth it. I went through the statements she has last night (only 15 over the 6 years) and they already amount to £615 and she is aware of £370.00 charges late 2004 along with another £210.00 this month so she is into £1200.00 in 17 statements. So tonight is studying the N1 form and gathering that advice. Rather than issue an estimate I thought this may be a better option - would you agree?? Between you, Odds, LIPS and Karnevil there is so much info to take in as you all seem to be having a pretty herendous time of it!!!

Thanks for the advice. Have to say a bit worried going through the court but will do if needs to. My only concern is with me sending the non-compliance DPA letter stating this is exactly what I would do if I had not received the info within 7 days and that was 10 days ago!!!