02, Virgin and Orange all offer a pay and go service that you can upgrade with and get a better phone with. Often supplying discounts based open how mug you have topped up over the past 18 months, 10% to be exact. Alot of the time sales reps do this as it's often a cheap effective way of selling the phone to the customer and the margins are usualy decent for the store / rep.

It turns out i do have a default on my account with them!!

All networks regardless of pay & go or contract of any kind don't offer any return period if its an upgrade. If its a new contract only O2 offer a 14 day cancellation. Thats strictly speaking if bought in store. If online or over the phone, you have your standard long distance selling act which is 14 days. It's best to deal with the person directly you set up the deal with, even the same branch. Other branches won't return your upgrade/contract because they take the deduction and its technically not their fault. Networks are not obliged to terminate your contract unless they fail to meet basic service agreements that you agree to when you sign. For example, no signal/service. Thats always your best bet. Never tell the sales person you don't like the phone because thats then down to change of mind. You also get your standard 28 day for a faulty exchange product. After that it is down to your own devices unfortunately and they are in their legal rights. In your circumstance, you picked quite a bad phone. I work for Carphone Warehouse and i refuse to sell the N97 because (i saw mentioned above) there are quite a few faults with it as it was rushed! Along with other phones such as ANY LG phone (avoid). The faults you are experiencing with your phone, is Nokia's fault, not 3's. They have a new software update avail that fixes the crashing and 2 new small parts. The camera bezel (shield) that was scratching the lens making the flash blurry and a new GPS antenna shield that fixes some other glitches.

If your name is not on the bill you won't be liable. 02 use 2 systems just like all other networks and independant retailers with mobile phones. 1) a credit check where they check the individuals credit score; 2) a 'URU' which is an internal system they use only for security purposes. 02 sales reps make 0 commission on iPhone sales. However, the sales rep did exploit a loophole in the system. The URU only uses the card to do a dummy transaction confirming the details for the credit check are correct and not your neighbours so to speak. All it checks is the address and postcode match. I wouldn't worry. Hope this helps!

The full inventory list along with the list i will get in an email tomorrow. Everything was properly cleaned before she left. Bearing in mind, there was 5 of us living in this house for 5 years. Like i said before, the carpet is, and seems to always be the main problem, its a 2 floor house with 4 bedrooms and a big sitting room, in other words, a lot of carpet. 2 kids and 3 adults, a lot of feet. Wear & tear i say. It's been cleaned and he will not get any cleaner. A steam cleaner was hired for 2 days and everything was spotless. She's not a woman that tolerates mess, trust me! Everything was done by the book, and unfortunately thats where she is getting stung, vulnerability. The main reason why the ceiling was not done, is because the landlord is selling the house and its up in the local agency for min asking price of £750,000. The house is in a poor condition as it is and needs a lot of work, a small hole in the ceiling is minor compared to the renovation cost to the property, and whoever purchases the property is bound to restore it. It just seems like a greedy landlord to be honest. Above the ceiling is a loft, its not a gaping hole, its more of a dent where the plaster has cracked and collapsed. Not even 20 cm wide. That may be worth pointing out. The tree was discussed, but he is not happy that it had to be cut down and wants it replacing as he feels even though he agreed to it, it only benefited our neighbors and apparently wants a new one replacing. A tree of its same size is going to cost quite a bit. But i don't really think there is much justification in that if he agreed initially. But there is nothing to prove it and the since then neighbors have sold up and gone. The tenancy was formally renewed at some point in August so yes it would be covered, even so, he had the deposit in a scheme as soon as she signed the agreement. So all's in order there. However, he is defiantly profiteering and i just can't under stand what (the official amount confirmed) £2218 is compared to the £750,000 min the guy is going to make? It's not going to be rented out again so what's the need in freshening up the carpet? I was reading through the LBA template, and i advised her to sort of go along with the general tone of the letter informally first and see what his reaction is.

Bit of a technical one but here we go. Forgive me for missing certain items as i am still flustered about the whole situation. My mum moved into a house about 5 years or so ago. Paid quite a large deposit of around £2000. She moved out less than a month ago now. I am furious with the landlord, but he won't speak to me. And my mum is too scared to contact him about this. From browsing around the forums, from what it seems, he has done everything by the book, took an inventory of everything and sent a letter recently to her new address, with a list of more than 50 items that are either missing, or damaged. Small things like, 1 single curtain hook missing... £12. 90% of what he has listed is well overpriced. He has completely disregarded normal wear and tear and the depreciation in the value of certain items, like the used fridge that was there when she arrived, which is at least 7 or more years old, which does not work anymore. Other things like the carpets needing cleaning and a tree we had to cut down as it was destroying the neighbors wall, which he gave permission, and paid for to remove!!!!! She paid the deposit well before the deposit scheme of April 2007 so it does not look like she will be covered there. She has renewed the lease several times, details of which i don't know. He did increase the price a couple of times however. Not once did he offer to come and replace dead furniture or even paint the walls. There is a tiny hole in the wall and my dad put a foot through the ceiling of one of the bedrooms so granted that will be a maximum of £300 to fix... maximum! I really don't know where she stands by more than half of the deposit has been taken. I probably will have to go back and get some details filled in about this for you guys but this is all i have right now! Desperate for some advice! Thanks for your time!

Hello, I am after some advice... I currently live in Manchester and i am at Uni. I have a current a/c with Lloyds which is registered to my home address in London, now un-occupied since my parents moved out. My question is... I went overdrawn late last year some time by a maximum of £4. My parents now inform me i have a possible CCJ and constant letters from debt collectors for an outstanding amount of £150 from Lloyds. This also shows up on my credit report from Experian. I don't know where to start, or even if i have a right to appeal as its been a long time. As i wasn't technically getting the letters, i wasn't aware. Is this something they can use against me? Do i have a case? Any help would be appreciated.