Please click the link to view 3 letter. I dont want to return the handsets and i believe that they are mine as i have been paying for them for months. im not to fussed if i cant keep the numbers.

Hi, I recently complained to 3 as service in our area had been non-existant for 3 weeks, i phoned 3 and they said it would be sorted by the 31st July, this is no the case so i contatced them and reuested that they cancel the contracts without penalty. They agreed to cancel but want my handsets back (i have 2 accounts). can anyone advise. i can post the letters they have sent me for reference. kind regards to view 3 relpy please click link below http://i605.photobucket.com/albums/tt131/bdf3077/20090810121915633_Page_5.jpg

Hi, I have tried to claim back my bank charges but they have told me that all cases are on hold until after the test case, How would i go about claiming the interest on these charges if i cant even get the charges back? many thanks

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Image001.jpg picture by bdf3077 - Photobucket Image002.jpg picture by bdf3077 - Photobucket

The account is about 7 years old well the credit card account was, but it was closed and the debt handed over to MCS. You mention something about claiming charges back from them, what charges can i claim back and how would i go about finding out. I really just want the account closed, hence making them an offer to settle. thanks for everyones help D

Hi, I used to have a HSBC credit card, but the debt was passed over the Metropolitan Collection Services as i went to prison and could not pay it. when i was released i started a payment plan with MCS £30 per month as im not working (this started almost 2 years ago). I owe them about £1300. Im not working so can not afford to up the payments, but have worked out that i will be paying this for years to come!! I wanted advice on making an offer to them, i was thinking about offering them £400 - £450 to close the account. (this i will have to beg and borrow to get) what are my chances and does anyone have a template letter i could use? kindest regards D

Hi, I recently asked my bank to send my CCA which they did (dated 2002). Is there anyone that can take a look at it for me and tell me if its enforceable. The only reason im doing this is because TSB keep putting the interest up and im finding it so hard to get the balance down as I pay £100 in interest alone. I asked them to reduce it and they said no, so now id rather not pay them the rest as i have calculated that i have actually paid my bill the rest is now just interest for them. any help would be appreciated kind regards

Hi, I recently asked my bank to send my CCA which they did (dated 2002). Is there anyone that can take a look at it for me and tell me if its enforceable. The only reason im doing this is because TSB keep putting the interest up and im finding it so hard to get the balance down as I pay £100 in interest alone. I asked them to reduce it and they said no, so now id rather not pay them the rest as i have calculated that i have actually paid my bill the rest is now just interest for them. any help would be appreciated kind regards D